AFC Client Communication and Ethics 4

Question 1

A client discloses they are considering hiding assets from their spouse during a divorce. What is the AFC counselor's ethical obligation?

Accepted Answer

Advise the client that asset concealment is illegal and you cannot assist with it

Answer

AFC counselors must refuse to assist with illegal activity such as concealing assets in divorce proceedings and should inform the client of the legal and ethical implications.

Question 2

Which communication technique best helps a counselor understand a client's underlying financial beliefs?

Accepted Answer

Asking open-ended questions about money attitudes and childhood experiences

Answer

Open-ended questions elicit deeper insight into the money scripts and beliefs that drive a client's financial behavior.

Question 3

An AFC counselor receives a referral fee from a debt management company for every client enrolled. This arrangement is BEST described as:

Accepted Answer

A potential conflict of interest that must be disclosed to clients

Answer

Referral fees create a conflict of interest; AFC standards require full disclosure to clients so they can make informed decisions.

Question 4

A client with limited English proficiency struggles to understand the counselor's explanations. The MOST appropriate response is to:

Accepted Answer

Use plain language, visual aids, and arrange for a qualified interpreter if needed

Answer

Effective communication with limited-English clients requires plain language, visuals, and interpreter services to ensure informed consent and comprehension.

Question 5

Under the AFC Code of Ethics, a counselor's primary obligation is to:

Accepted Answer

The welfare and best interests of the client

Answer

The AFC Code of Ethics places client welfare and best interests above all other obligations, including employer directives.

AFC - Accredited Financial Counselor Practice Test

AFC - Accredited Financial Counselor Practice Test

AFC Client Communication and Ethics 4