Customer Accounts第 85 / 110 题
Before recommending a variable annuity to a retail customer, a representative must have a reasonable basis grounded in which information?
a.The customer's age, financial situation, tax status, investment objectives, time horizon, liquidity needs, and risk tolerance
b.The customer's credit score and employment history alone
c.The commission the product pays relative to alternatives
d.The performance of the separate account over the past 12 months
解析
Suitability and best-interest obligations require the representative to gather and evaluate the customer's full investment profile before recommending a product. Compensation to the representative is a conflict to be managed, not a basis for a recommendation. Recent performance alone says nothing about whether the product fits this investor's needs.
法律依据: FINRA Rules免费刷完整 110 道题库 — 无需注册。
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