A client, Tom, informs a CFP® professional that his daughter, Susie, graduated from college last month and landed her first job. Tom wants to establish a Roth IRA for Susie. Tom wants to make a $5,000 contribution for Susie and explains that she does not know about investing and probably would not have the money to contribute. How could the CFP® professional best accomplish Tom’s objective?

A) Open the account in Susie’s name and then gift the assets to Susie.

B) Explain to Tom that he can contribute to an IRA for Susie.

C) Request Tom set up a joint meeting with Susie to complete the planning process with her.

D) Explain to Tom that Susie must complete a risk questionnaire before Tom can open the account.