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Accelerated death benefit riders allow early access to death proceeds for terminal illness. Waiver (A) covers disability premiums. Guaranteed insurability (C) adds coverage later. Accidental (D) increases payout for accidental death.

A Solo 401(k) allows both employee deferrals and employer contributions, often yielding higher maximum contributions than SEP IRAs. SIMPLE IRAs (A) have lower limits. Roth IRAs (D) are capped at $8,000 with catch-up in 2025.

The assignment of income doctrine prevents shifting earned income to another taxpayer for lower rates. The earner pays tax, regardless of assignment. Step transaction (A) and substance-over-form (C) address structuring, while constructive receipt (D) governs timing. This doctrine is critical for income-shifting strategies.

The Duty of Loyalty requires full disclosure of material conflicts, including referral fees. Care (A) is diligence. Confidentiality (C) is privacy. Code of Ethics (D) is broad but not specific.

Misrepresenting compensation arrangements violates the Duty of Loyalty, as it undermines full disclosure and client trust. “Fee-only” implies no commission, so accepting commissions contradicts that label. The Duty of Care (A) relates to diligence, not compensation.