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Open Exam Prep

Open Exam Prep

De : Ran Chen EA CFP®
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 Open Exam Prep: Mastering Financial Exams The path to becoming a certified financial professional is known for its difficulty, and finding high-quality, accessible study material shouldn't be the hardest part. Created by Ran Chen—an AI application enthusiast, Financial Advisor, and holder of the EA (Tax), Life Insurance, Series 6/63/65, and CFP® designations—this podcast was born from personal experience. Having navigated these challenging exams himself, Ran realized the need for better resources and created Open Exam Prep as a free solution for aspiring professionals. Each episode breaks down complex major exam topics into clear, digestible lessons, covering everything from tax planning and estate strategies to retirement solutions and investment principles. Whether you’re studying during your commute, workout, or downtime, we are here to guide you—one question, one topic, one victory at a time. Visit for more content: https://open-exam-prep.com/Copyright 2026 Ran Chen, EA, CFP®
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    Épisodes
    • [Series 6] 15, Variable Annuity Fees and Charges

      [Series 6] 15, Variable Annuity Fees and Charges
      Feb 21 2026
      This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam exam. In this episode you will learn: - What the mortality and expense (M&E) risk charge covers and why it is unique to insurance products. - How administrative fees are assessed for the operational costs of an annuity contract. - The structure of surrender charges, including how they decline over a set period. - Key differences between the fee structures of variable annuities and mutual funds. - A mnemonic device, "SAM," to easily recall the primary fees associated with variable annuities for the exam. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818
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      4 min
    • [Series 6] 14, Variable Annuity Payout Options

      [Series 6] 14, Variable Annuity Payout Options
      Feb 20 2026
      This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The key features of a Straight Life annuity payout and who it's best for. - How a Life with Period Certain option protects against an annuitant's early death. - The purpose and function of a Joint and Last Survivor annuity for couples. - The direct relationship between guarantees, beneficiaries, and the monthly payout amount. - A simple mnemonic to remember which payout option provides the highest and lowest income. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818
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      3 min
    • [Series 6] 13, Variable Annuity Separate Accounts

      [Series 6] 13, Variable Annuity Separate Accounts
      Feb 19 2026
      This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and CFP designation. He is passionate about opening up information to help everyone prepare better for financial certification exams. This episode covers content for the Series 6 Exam. In this episode you will learn: - The fundamental difference between an insurer's general account and a separate account. - Why a variable annuity's separate account is legally insulated from the insurance company's creditors. - The specific reason variable annuities are classified and regulated as securities. - How to identify and answer common Series 6 exam questions on this topic. - A simple mnemonic to distinguish the roles of the general and separate accounts. For more resources visit https://open-exam-prep.com/ and connect on LinkedIn at https://linkedin.com/in/chenran818
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      4 min
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