Personal Financial Planning

Ethical Dilemma problem 1.
Instructions: Please use the case study format below. Points will be deducted from your
the grade for not following the case study format.

• CASE ANALYSIS: Brief analysis/summary of the case
• PROBLEM(S): Identify the problems/issues. Describe and define the Regulations and
Standards that were violated.
• SOLUTION(S): Possible Solutions to identified problems/issues – the best strategy that
can be used to solve the problems if this issue occurred at your job. What could you do to
solve the problem?
• RECOMMENDATION(S): Recommendation: what would you recommend in solving
this problem by reviewing the solutions you have the most confidence in. What are the
reasons for the preference? How would you prevent future similar issues if you were the
office manager/or owner of a personal financial planning firm?
• CONCLUSION: Briefly describe how you would implement the recommendations
and/or contingency plan.

A well-supported paper includes outside research and reference to our textbook. This will help
to substantiate your ideas and recommendations.
Your paper should be labeled with each section (analysis, problem, solution, etc) Double spaced,
12 point font, proper reference, and citation must be included. This
assignment is due by Sunday at 11:59 PM.

Ethical dilemma problem 1:
Joni is a financial planner for ABC firm. She provided all of her clients with the same products.
She felt this was OK since she had thoroughly researched them years ago and found them to be
excellent. By concentrating her recommendations with a few firms, she was able to receive
commission bonuses. She never discussed their goals and characteristics with her clients unless
they brought them up. Explain her violations of SEC and CFP regulations. Indicate what should
be done.

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