CTFA Exam Study Guide

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Pass the CTFA by knowing the rules trust officers are actually tested on — HEMS and ascertainable standards, DNI and the 65-day rule, the 10-year rule, Regulation 9 reviews, portability, taxable terminations versus distributions — instead of rereading a course binder. CTFA Exam Study Guide is a focused, fully offline companion for the American Bankers Association's Certified Trust and Fiduciary Advisor certification, organized exactly like ABA's current content outline so you can drill your weakest domain or work through the whole exam. SIX WAYS TO STUDY • Flashcards — tap to reveal, tagged by domain • Multiple-choice questions set in real trust-officer scenarios — a concentrated position, a distribution request, a capacity concern — each with a worked explanation • True/false drills built from the misconceptions that cost marks • Term-matching game — pair key terms in rounds of five • Searchable glossary of the trust, tax and investment vocabulary the exam assumes you know • Formulas & thresholds reference — DNI, unitrust payouts, tax-equivalent yield, risk-adjusted return, plus the numbers and deadlines (annual exclusion, NIIT, Form 706 and 1041 due dates, five-and-five), each with its trap ALL SIX DOMAINS • Fiduciary Principles and Responsibilities — what it means to be a fiduciary, competing standards under the 1940 Act, Reg BI and the Uniform Trust Code, the prudent investor rule, OCC 12 CFR 9, powers and duties, breach, liability and undue influence • Integrated Planning and Advice — ownership forms and controlling documents, powers of appointment, insurance, retirement distributions including RMDs and QCDs, Social Security and Medicare, estate planning, disclaimers, decanting, gifting, special-needs planning and business succession • Fiduciary Administration — trusts, estates, agencies and guardianships; trustee, grantor, protector and directed-trustee roles; marital, insurance, charitable, dynasty and grantor trusts; HEMS, spendthrift and perpetuities; principal and income accounting and the power to adjust • Taxation — cost basis, fiduciary income tax and DNI, simple versus complex and grantor trusts, the 65-day rule, estate and gift tax, portability, marital and charitable deductions, IRD and the GST tax • Asset Types and Management — equities, fixed income, funds, alternatives, real estate, unique and digital assets; allocation, concentration, liquidity and risk; portfolio strategies and performance measurement • Risk and Compliance Management — pre-acceptance and know-your-client, beneficial ownership, OFAC and enhanced due diligence, capacity concerns, conflicts of interest, role limits and Regulation 9 reviews CURRENT FOR TODAY'S EXAM Built on ABA's CTFA Exam Content Outline effective August 2026 — the six-domain structure that replaced the older knowledge areas — including the SECURE 2.0 rules the exam now tests. Indexed dollar amounts are labelled by tax year, so you always know which figure you're memorizing. STUDY ANYWHERE Everything works offline. No account, no sign-up, no ads, no data collection. Start free with a preview of every mode. Unlock the full library with a weekly, monthly or annual subscription, or a one-time lifetime purchase — all four unlock identical content; duration is the only difference. This app is an independent study aid and is not affiliated with, endorsed by, or sponsored by the American Bankers Association, ABA Professional Certifications, or any bank regulator. It is not the certification exam and does not confer the CTFA designation. It provides exam study material only — not investment, tax or legal advice. Subscriptions are billed to your Apple ID and renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.dmpenterprisellc.com/privacy-policy