Richard (age 75) and his wife Fly (age 73) have been married for 47 years, and have one daughter Simona (45). Simona is married to Connor (also 45) and they have three minor children: Aiden (15), Ryan (14), and Keegan (11). Richard and Fly are in great shape and expect to live another 15 years based upon family history, diet, and two hours of tennis every day. The couple have a net worth of $15,000,000 including their home ($2,000,000), Fly's $2,200,000 IRA that she is taking RMDs from, Richard's $500,000 IRA that they take RMDs from, $260,000 of personal property, $2,240,000 in artwork that Fly created during her career, and the balance in investments of publicly traded securities.

The Certified Financial Planner (CFP) certification exam tests your ability to apply financial planning skills and techniques to real-life situations. Topics on the CFP test include: financial planning process and principles, tax planning, income and retirement planning, estate planning, risk management and insurance, investment planning, tax planning, retirement savings and income planning, estate planning and psychology of financial planning. The exam is 170 questions (multiple choice, short scenario and case study) and is three hours long.