Certified Kingdom Advisor Practice Exam

The part of the iceberg below the surface represents the intangible drivers that shape every financial decision—spiritual capital and eternal perspectives. It’s about values, purpose, and worldview that guide behavior, not the concrete steps you take in planning. A statement about identifying strategies involved in financial planning describes the visible, practical techniques and actions, which belong to the surface above the water. That’s why it’s not a characteristic of the iceberg bottom. The other ideas fit the bottom well: spiritual capital and eternal perspectives reflect the deeper, non-financial foundations, and the notion that about 90% of the iceberg is below the surface captures the idea that most of what drives decisions is hidden from view.