Trust FundsIntermediateCalifornia Exam

Which of the following is NOT a permissible trust account?

AA federally insured demand deposit account
BA broker's personal savings accountCorrect
CA non-interest-bearing trust account at a California bank
DAn interest-bearing account with client consent

Why A broker's personal savings account Is Correct

Answer B: A broker's personal savings account

Trust funds must be held in a separate, designated trust account at a federally insured financial institution. A broker's personal savings account is never permissible as a trust account — this would constitute 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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