CERTIFIED KINGDOM ADVISOR (CKA)
PRACTICE EXAM – 150 ACTUAL
QUESTIONS WITH ANSWERS &
EXPLANATIONS | PDF
What is the CKA?
The Certified Kingdom Advisor (CKA) is a certification for financial professionals who
integrate biblical principles with sound financial advice. Candidates must complete a
college-level curriculum, hold an industry credential (CFP, CPA, JD, etc.) or have 10 years
of experience, and pass a comprehensive proctored exam.
Section 1: Core Biblical Financial Stewardship (Q1-40)
1. A client wants to balance generous giving with debt reduction. According to the
Kingdom Advisor framework, which is the most biblically aligned first step?
A) Pay all debts before any giving
B) Give first, then tithe on remaining after debt payments
C) Give from the "firstfruits" while maintaining a reasonable debt repayment plan
D) Stop all giving until debt is eliminated
Answer: C
Rationale: Firstfruits giving (Proverbs 3:9) precedes full debt elimination. CKA teaches
proportionality – reduce debt systematically without ceasing generosity.
,2. Which of the following are consistent with the "heart of stewardship" in CKA
training? (Select all that apply)
A) Recognizing God as owner of all assets
B) Pursuing maximum personal lifestyle inflation
C) Using ROI as the only giving criterion
D) Generosity as worship, not tax strategy
Answer: A, D
Rationale: A is foundational (Psalm 24:1). D reflects worship-driven giving. B and C are
counter to kingdom values.
3. According to the CKA Generosity Cycle (2025 framework), the four stages
include:
A) Receive → Save → Spend → Give
B) Work → Earn → Consume → Die
C) Receive → Manage → Grow → Give
D) Give → Save → Invest → Give more
Answer: D
Rationale: The CKA model emphasizes giving as the starting and ending point, creating
a reinforcing cycle of generosity.
4. Which biblical passages are most frequently cited in CKA's core curriculum?
(Select all that apply)
A) Malachi 3:10 (tithe)
B) 2 Corinthians 9:7 (cheerful giver)
C) Leviticus 27:30 (tithe is holy)
D) Acts 5:1-11 (Ananias and Sapphira)
Answer: A, B, C, D
,Rationale: All four passages are frequently cited in CKA's 2025 core curriculum.
5. Which statement best reflects the "treasures in heaven" principle for portfolio
management?
A) Maximize after-tax return at all costs
B) Avoid all market risk
C) Use assets strategically for eternal impact, not just growth
D) Only invest in Christian companies
Answer: C
Rationale: Matthew 6:19-20 informs strategic allocation toward kingdom purposes, not
merely financial maximization.
6. A client has $100,000 in high-interest credit card debt (22% APR). They want to
give $10,000 to missions. What does CKA advise?
A) Give $10,000 and ignore debt
B) Give $2,000 and put $8,000 toward debt
C) Pay all debt first, then give nothing
D) Give $10,000 and borrow more for debt payment
Answer: B
Rationale: CKA advises proportional giving while maintaining reasonable debt
repayment, consistent with firstfruits giving and wise financial stewardship.
7. The CKA framework teaches that contentment is best defined as:
A) Having enough resources to buy everything you desire
B) Finding satisfaction in God's provision regardless of circumstances
C) Achieving financial independence by age 50
D) Never feeling financial anxiety
, Answer: B
Rationale: Contentment is a key biblical principle that transcends financial
circumstances.
8. The "Live, Give, Owe, Grow" framework includes which components?
A) Live (spending), Give (generosity), Owe (debt), Grow (investing)
B) Live (lifestyle), Give (tax planning), Owe (borrowing), Grow (saving)
C) Live (budgeting), Give (charitable planning), Owe (business expenses), Grow
(retirement)
D) Live (cash flow), Give (estate planning), Owe (mortgage), Grow (insurance)
Answer: A
Rationale: The "Owe" component specifically refers to the management and elimination
of debt obligations.
9. According to the CKA framework, the "Finish Line" in financial planning is best
defined as:
A) The age of retirement
B) The point of maximum accumulation
C) Enough to do what God has called you to do
D) Paying off your mortgage
Answer: C
Rationale: The financial finish line is not about maximizing wealth, but about identifying
"enough" to fund your purpose and freeing up resources for generosity.
10. 1 Timothy 6:6 is cited in CKA training to support which principle?
A) Wealth accumulation is the ultimate goal
B) Godliness with contentment is great gain
PRACTICE EXAM – 150 ACTUAL
QUESTIONS WITH ANSWERS &
EXPLANATIONS | PDF
What is the CKA?
The Certified Kingdom Advisor (CKA) is a certification for financial professionals who
integrate biblical principles with sound financial advice. Candidates must complete a
college-level curriculum, hold an industry credential (CFP, CPA, JD, etc.) or have 10 years
of experience, and pass a comprehensive proctored exam.
Section 1: Core Biblical Financial Stewardship (Q1-40)
1. A client wants to balance generous giving with debt reduction. According to the
Kingdom Advisor framework, which is the most biblically aligned first step?
A) Pay all debts before any giving
B) Give first, then tithe on remaining after debt payments
C) Give from the "firstfruits" while maintaining a reasonable debt repayment plan
D) Stop all giving until debt is eliminated
Answer: C
Rationale: Firstfruits giving (Proverbs 3:9) precedes full debt elimination. CKA teaches
proportionality – reduce debt systematically without ceasing generosity.
,2. Which of the following are consistent with the "heart of stewardship" in CKA
training? (Select all that apply)
A) Recognizing God as owner of all assets
B) Pursuing maximum personal lifestyle inflation
C) Using ROI as the only giving criterion
D) Generosity as worship, not tax strategy
Answer: A, D
Rationale: A is foundational (Psalm 24:1). D reflects worship-driven giving. B and C are
counter to kingdom values.
3. According to the CKA Generosity Cycle (2025 framework), the four stages
include:
A) Receive → Save → Spend → Give
B) Work → Earn → Consume → Die
C) Receive → Manage → Grow → Give
D) Give → Save → Invest → Give more
Answer: D
Rationale: The CKA model emphasizes giving as the starting and ending point, creating
a reinforcing cycle of generosity.
4. Which biblical passages are most frequently cited in CKA's core curriculum?
(Select all that apply)
A) Malachi 3:10 (tithe)
B) 2 Corinthians 9:7 (cheerful giver)
C) Leviticus 27:30 (tithe is holy)
D) Acts 5:1-11 (Ananias and Sapphira)
Answer: A, B, C, D
,Rationale: All four passages are frequently cited in CKA's 2025 core curriculum.
5. Which statement best reflects the "treasures in heaven" principle for portfolio
management?
A) Maximize after-tax return at all costs
B) Avoid all market risk
C) Use assets strategically for eternal impact, not just growth
D) Only invest in Christian companies
Answer: C
Rationale: Matthew 6:19-20 informs strategic allocation toward kingdom purposes, not
merely financial maximization.
6. A client has $100,000 in high-interest credit card debt (22% APR). They want to
give $10,000 to missions. What does CKA advise?
A) Give $10,000 and ignore debt
B) Give $2,000 and put $8,000 toward debt
C) Pay all debt first, then give nothing
D) Give $10,000 and borrow more for debt payment
Answer: B
Rationale: CKA advises proportional giving while maintaining reasonable debt
repayment, consistent with firstfruits giving and wise financial stewardship.
7. The CKA framework teaches that contentment is best defined as:
A) Having enough resources to buy everything you desire
B) Finding satisfaction in God's provision regardless of circumstances
C) Achieving financial independence by age 50
D) Never feeling financial anxiety
, Answer: B
Rationale: Contentment is a key biblical principle that transcends financial
circumstances.
8. The "Live, Give, Owe, Grow" framework includes which components?
A) Live (spending), Give (generosity), Owe (debt), Grow (investing)
B) Live (lifestyle), Give (tax planning), Owe (borrowing), Grow (saving)
C) Live (budgeting), Give (charitable planning), Owe (business expenses), Grow
(retirement)
D) Live (cash flow), Give (estate planning), Owe (mortgage), Grow (insurance)
Answer: A
Rationale: The "Owe" component specifically refers to the management and elimination
of debt obligations.
9. According to the CKA framework, the "Finish Line" in financial planning is best
defined as:
A) The age of retirement
B) The point of maximum accumulation
C) Enough to do what God has called you to do
D) Paying off your mortgage
Answer: C
Rationale: The financial finish line is not about maximizing wealth, but about identifying
"enough" to fund your purpose and freeing up resources for generosity.
10. 1 Timothy 6:6 is cited in CKA training to support which principle?
A) Wealth accumulation is the ultimate goal
B) Godliness with contentment is great gain
