Aditi, a CFP$$ professional, has been engaged by Eun$-$Jin, age $59,$ to manage her investment portfolio and provide advice about paying off her current home mortgage. Eun$-$Jin has a very low level of risk tolerance. Her portfolio is valued at approximately $$1$ million. She plans to use some of these assets to pay off her mortgage if Aditi recommends this course of action. Eun$-$Jin currently owes $$695,000$ on the mortgage. The mortgage has a fixed$-$rate of $3\mathrm{.}75\%$ and $20$ years remaining until being paid off. Aditi, who disclosed in writing that she is a fee$-$only financial planner and earns income based on a percent of assets under management model, believes that Eun$-$Jin's portfolio will return $6\mathrm{.}45\%$ on an annualized basis. Aditi recommends that Eun$-$Jin not pay off the mortgage because the expected portfolio return exceeds the mortgage interest rate. Does Aditi have a material conflict of interest that must be disclosed?

Question $2$ options:

No$,$ because Aditi disclosed in writing how she is paid.

Yes, because as a financial planner, Aditi does not have the expertise to provide mortgage advice.

No$,$ because as long as Aditi believes that her recommendation is in Eun$-$Jin's best interest, she is excused from making additional disclosures, either in writing or orally, to Eun$-$Jin.

Yes, because Aditi did not disclose that had Eun$-$Jin paid off the mortgage, Aditi's income would have been reduced.