Counseling Skills & Ethics Flashcards
7 cards from real CRC practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 Counseling Skills & Ethics flashcards as text
A retirement counselor realizes they made an error in a client's projected retirement income calculation six months ago. What is the ethical course of action?
Answer: Disclose the error to the client promptly, explain the impact, and correct the plan
Ethical practice requires prompt disclosure of errors to the client, allowing corrective action and maintaining trust through transparency.
Under the ADA and fair counseling standards, how must a retirement counselor accommodate a client who is deaf?
Answer: Provide a qualified interpreter or appropriate communication aids to ensure full participation
Counselors must make reasonable accommodations to ensure equitable access to services for clients with disabilities.
Which best describes the ethical principle of 'veracity' as applied to retirement counseling?
Answer: Commitment to truthfulness in all communications with clients, including disclosure of limitations
Veracity refers to the counselor's obligation to be truthful with clients, including honest disclosure of the counselor's own limitations or uncertainties.
A client wishes to retire in two years but has significant credit card debt. The counselor's professional assessment conflicts with the client's emotional readiness to retire. What approach is most ethical?
Answer: Present the financial reality clearly, explore strategies to address debt, and respect the client's ultimate decision
The counselor must provide complete, honest financial assessment while supporting the client's autonomy to make the final decision with full information.
What is a key purpose of the International Foundation for Retirement Education (InFRE) Code of Ethics for CRC holders?
Answer: To establish professional standards that protect clients and maintain public confidence in the profession
The InFRE Code of Ethics sets behavioral standards that protect clients and uphold the credibility and trustworthiness of the CRC designation.
A client discloses plans to gift a large sum to a family member just before retirement, potentially jeopardizing their income security. What is the counselor's ethical response?
Answer: Explore the client's motivations, clearly explain the potential retirement impact, and document the discussion
The counselor must address the retirement implications candidly and explore the client's values around the gift, while respecting the client's right to make the decision.
When transitioning a client to another counselor due to relocation, what ethical responsibilities does the original counselor have?
Answer: Obtain client consent, provide an appropriate summary of the case, and ensure continuity of care
Ethical transition requires client consent for record sharing and a deliberate handoff that protects continuity of the client's retirement planning process.