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Study Material 2026
Question:
Which cycle describes members who are just surviving and living paycheck to paycheck?
a. Earn/spend/earn/spend
b. earn/spend/borrow/spend
c. earn/spend/save
d. earn/borrow/spend/save
Answer:
Earn/Spend/earn/spend
Question:
Financial counselors who don't use what they know about hemispheric thinking may fall into the
trap of:
a. Assuming the member will succeed if they work with the counsellor
b. Asking too many questions
c. Telling the member what they should do
d. Presenting information to a member in a manner that might not be the best way to
communicate
Answer:
presenting information to a member in a manner
that might not be the best way to communicate
Question:
Using a hard approach, rather than a soft approach, with members:
a. Reminds members they are in control
b. Communicates in an orderly, specific and straight-forward way
c. Correlates with the right side of the brain
d. Offers possibilities and suggestions
Answer:
Communicates in an
orderly, specific and straight-forward way
,Question:
The Johari Window describes four zones. When working with a member the Hidden Zone
represents:
a. Information that is known to the counselor and the member
b. Information that is known to the counselor and not the member
c. Information that is known to the member and not the counselor
d. Information that is not known to either the member or the counselor
Answer:
Information that is known to the member and not the counselor
Question:
Which type of counseling should a counselor use when a member is preparing for a large
purchase?
a. Preventive
b. Procedural
c. Productive
d. Remedial
Answer:
Preventive
Question:
Which of the following is NOT a counseling element
a. Budget
b. Credit.
c. Debt
d. Savings
Answer:
Savings
Question:
Which of the following is a closed-ended question?
a. Tell me more about that?
, b. Do you plan to move forward?
c. What was your deciding factor?
d. What is causing the hesitation?
Answer:
Do you plan to move forward?
Question:
An example of pacing is when a counselor:
a. wears the same type of clothing as the member.
b. matches the member's tone.
c. matches the member's energy level.
d. agrees with everything the member says.
Answer:
Matches the member's
energy level
Question:
How many steps are in the change process?
a. 3
b. 4
c. 5
d. 6
Answer:
4
Question:
Which of the following decision-making tools is the best to use when considering all forces in
favor of or against a plan so a decision can be made?
a. Essential obligations
b. Cost-benefit analysis
c. Reframing
d. Force-field analysis
Study Material 2026
Question:
Which cycle describes members who are just surviving and living paycheck to paycheck?
a. Earn/spend/earn/spend
b. earn/spend/borrow/spend
c. earn/spend/save
d. earn/borrow/spend/save
Answer:
Earn/Spend/earn/spend
Question:
Financial counselors who don't use what they know about hemispheric thinking may fall into the
trap of:
a. Assuming the member will succeed if they work with the counsellor
b. Asking too many questions
c. Telling the member what they should do
d. Presenting information to a member in a manner that might not be the best way to
communicate
Answer:
presenting information to a member in a manner
that might not be the best way to communicate
Question:
Using a hard approach, rather than a soft approach, with members:
a. Reminds members they are in control
b. Communicates in an orderly, specific and straight-forward way
c. Correlates with the right side of the brain
d. Offers possibilities and suggestions
Answer:
Communicates in an
orderly, specific and straight-forward way
,Question:
The Johari Window describes four zones. When working with a member the Hidden Zone
represents:
a. Information that is known to the counselor and the member
b. Information that is known to the counselor and not the member
c. Information that is known to the member and not the counselor
d. Information that is not known to either the member or the counselor
Answer:
Information that is known to the member and not the counselor
Question:
Which type of counseling should a counselor use when a member is preparing for a large
purchase?
a. Preventive
b. Procedural
c. Productive
d. Remedial
Answer:
Preventive
Question:
Which of the following is NOT a counseling element
a. Budget
b. Credit.
c. Debt
d. Savings
Answer:
Savings
Question:
Which of the following is a closed-ended question?
a. Tell me more about that?
, b. Do you plan to move forward?
c. What was your deciding factor?
d. What is causing the hesitation?
Answer:
Do you plan to move forward?
Question:
An example of pacing is when a counselor:
a. wears the same type of clothing as the member.
b. matches the member's tone.
c. matches the member's energy level.
d. agrees with everything the member says.
Answer:
Matches the member's
energy level
Question:
How many steps are in the change process?
a. 3
b. 4
c. 5
d. 6
Answer:
4
Question:
Which of the following decision-making tools is the best to use when considering all forces in
favor of or against a plan so a decision can be made?
a. Essential obligations
b. Cost-benefit analysis
c. Reframing
d. Force-field analysis
