Which of the Following Is True Regarding Financial Planning

Which of the following is true regarding financial planning?

A) You do not need to know anything about the client's family history in order to effectively develop a financial planning strategy.
B) Financial planning strategies are general; you can create one effective strategy that can be used for most of your clients.
C) You should learn a client's risk tolerance before creating a financial planning strategy for that client.
D) Clients are no more likely to implement recommendations where their personal values are reflected than recommendations that have worked for multiple others.