Free Practice Questions for Certification CGPC

The CGPC Certification is a French national professional certification registered in the RNCP at Level 7 (Master's level, Bac+5) under the title 'Expert conseil en gestion de patrimoine' (ECGP), fiche RNCP36074, in NSF field 313. Its sole certifier is CONSEILS EN GESTION DE PATRIMOINE CERTIFIES (CGPC), the French affiliate of the Financial Planning Standards Board (FPSB). Holding it confers the professional qualifications required for the four regulated activities of the French wealth management profession and allows use of the CFP mark and the ISO 22222 standard.

Assessment is organised bloc by bloc rather than as a single examination. The référentiel registered with France compétences lists three modes — QCM, étude de cas and mise en situation professionnelle — applied differently across the four blocs: professional simulation for BC01 and BC04, case studies and QCM for BC02, and QCM plus case study for BC03. All four blocs must be validated, and the award is made by a jury of four members, three of whom are external professionals. CGPC also allows candidates to take the certification one bloc at a time on request.

Their official titles are: BC01 'Conduire la relation client en conformité avec la réglementation'; BC02 'Réaliser un bilan patrimonial global'; BC03 'Concevoir une stratégie patrimoniale globale'; and BC04 'Assurer la mise en oeuvre de la stratégie patrimoniale adoptée et en superviser le suivi et l'actualisation'.

No. The fiche RNCP36074 marks the route 'par candidature individuelle' as closed, as it does the initial-student route. The open routes are apprenticeship, formation continue, contrat de professionnalisation and validation des acquis de l'expérience (VAE). In practice that means the assessment is taken inside the CGPC programme — 305 hours at 5,180 € for professionals already in the field, or 335 hours at 5,680 € for career changers — or through a VAE application. Entry requires a Level 6 qualification, or a lower one plus proven banking, finance, insurance or real estate experience validated by the CGPC admission commission.

CIF (Conseiller en Investissements Financiers) is a regulated legal status in France registered with ORIAS and supervised by the AMF, mandatory to provide financial investment advice. CGPC is an advanced professional certification (Level 7 Master's level) and professional title representing comprehensive competence across civil law, estate planning, taxation, and investments, well beyond the minimum regulatory CIF baseline.

Under Article 787 B of the CGI, the Pacte Dutreil provides a 75% tax exemption on the market value of operational company shares transferred by gift or inheritance. It requires a 2-year collective retention commitment covering at least 17% of financial and 34% of voting rights, followed by a 4-year individual retention commitment by each heir/donee, and the effective exercise of executive management by a signatory for at least 3 years following transfer.

Article 990 I applies to life insurance premiums paid before age 70: each beneficiary receives a personal 152,500 € tax-free allowance, with the excess taxed at 20% up to 700,000 € and 31.25% beyond. Article 757 B applies to premiums paid after age 70: a single 30,500 € allowance is shared across all beneficiaries on the total premiums paid, while all accrued gains and interest are 100% tax-exempt, and the taxable premium surplus is taxed under standard inheritance duty brackets.

Under Article 39 C of the CGI, a Non-Professional Furnished Landlord (LMNP) under the régime réel can deduct linear depreciation for the building and furnishings against rental income. Depreciation cannot create or increase a tax deficit; any unused amount is placed into deferred reserve (ARD) and carried forward indefinitely to shelter future rental profits. Since Article 84 of the loi de finances for 2025, however, the building depreciation deducted is added back on exit: for sales made from 15 February 2025, Article 150 VB III CGI reduces the acquisition price by the depreciation allowed, which increases the taxable capital gain.

The official CGPC / RNCP36074 curriculum and assessment are conducted in French, and there is no official English version. OpenExamPrep provides a 100-question English-language MCQ study adaptation covering all four official blocs de compétences, aimed at international private bankers, bilingual advisers and candidates revising technical French wealth management concepts. It is a study aid, not an official translation, and it does not simulate the case-study and professional-simulation components of the real assessment. French legal and tax terms are kept in the original where they are the substance being tested, and explained in English.