When does fiduciary duty actually start? Not when you think #CFP #ExamTip #Finance

💡 A client is engaged the moment they rely on your advice. Not when they sign a contract. Not when they pay you. The second they act on what you say, you're their fiduciary. 📚 Why this matters: The CFP exam tests this exact scenario. Many candidates assume it's contract signing. ✅ Free CFP exam prep: https://open-exam-prep.com/exams/cfp #CFPExam #FinancialPlanning #ExamPrep #StudyTips #CFPExam