Trust FundsIntermediateCalifornia Exam

Can a broker keep their own money in a client trust account?

AYes, up to $10,000, consistent with standard broker trust accounting practice
BYes, an amount sufficient to maintain the account and avoid feesCorrect
CNo — any broker funds make it illegal commingling, per California trust fund record-keeping requirements
DOnly if clients consent in writing, under standard California trust fund handling rules

Why Yes, an amount sufficient to maintain the account and avoid fees Is Correct

Answer B: Yes, an amount sufficient to maintain the account and avoid fees

A broker may keep a small amount of their own funds in the trust account to cover bank fees (typically up to $200). Keeping more than necessary constitutes commingling.

Exam Tip: Trust Funds

Trust fund questions test the rules for handling client money. Know the deadlines for depositing trust funds, what constitutes commingling vs. conversion, and the penalties for violations.

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