{"id":2976,"date":"2024-09-11T05:35:08","date_gmt":"2024-09-11T01:35:08","guid":{"rendered":"https:\/\/mcclatchymhstg.wpenginepowered.com\/careers-education\/?p=2976"},"modified":"2025-08-28T19:12:09","modified_gmt":"2025-08-29T00:12:09","slug":"cfa-level-3-exam","status":"publish","type":"post","link":"https:\/\/www.miamiherald.com\/careers-education\/cfa-level-3-exam\/","title":{"rendered":"CFA\u00ae Level 3 Exam: Everything You Need to Know"},"content":{"rendered":" <p class=\"wp-block-paragraph\">Passing CFA\u00ae Level 2 is a massive achievement\u2014you\u2019re two-thirds of the way to earning your charter. <\/p> <p class=\"wp-block-paragraph\">But now comes the real test.<\/p> <p class=\"wp-block-paragraph\">Unfortunately, only a little over half of candidates (<a href=\"https:\/\/www.cfainstitute.org\/-\/media\/documents\/support\/programs\/cfa\/cfa-exam-results-since-1963.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">55%<\/a>) who get to this phase of the CFA\u00ae program will pass as the CFA\u00ae Level 3 exam shifts gears, focusing heavily on portfolio management and wealth planning, moving beyond theory and requiring you to demonstrate your practical skills as an investment professional.<\/p> <p class=\"wp-block-paragraph\">This final stage isn\u2019t just about formulas; it\u2019s about constructing strategies, balancing client objectives, and applying nuanced judgment in real-world scenarios. With structured essay questions and item sets, the exam demands a deep understanding of complex concepts and your ability to apply them to case studies and client portfolios.<\/p> <p class=\"wp-block-paragraph\">So, how do you conquer it? Let\u2019s explore the key strategies and topics that will guide you to success on the CFA\u00ae Level 3 exam.<\/p> <p class=\"custom_key wp-block-paragraph\"><strong>Key Takeaways<\/strong><\/p> <ul class=\"wp-block-list custom_underline\"> <li><strong>Enrollment Requirements<\/strong>: To register for CFA\u00ae Level 3, candidates must pass Level 2, stay enrolled in the program, and adhere to the CFA\u00ae Institute\u2019s Code of Ethics.<\/li> <li><strong>Exam Structure<\/strong>: The exam is split into two sessions: morning essay questions focused on portfolio management and afternoon multiple-choice questions centered on practical applications in wealth planning.<\/li> <li><strong>Key Topics<\/strong>: Portfolio management and wealth planning dominate the exam, along with other important areas, including fixed income, equity, and alternative investments.<\/li> <li><strong>2025 Changes<\/strong>: New core topics, specialized pathways (Portfolio Management, Private Wealth, Private Markets), and Practical Skills Modules will be introduced, offering deeper customization.<\/li> <li><strong>Study Tips<\/strong>: Candidates should prioritize using a solid <a href=\"https:\/\/www.miamiherald.com\/careers-education\/best-cfa-level-3-prep-provider-courses\/\">CFA\u00ae Level 3 prep course<\/a>, mastering the essay format, and focusing on ethics and niche topics like GIPS and AMC. Time management and understanding formulas in context are also essential.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-cfa-program-enrollment-requirements\"><strong>CFA\u00ae Program Enrollment Requirements<\/strong><\/h2> <p class=\"wp-block-paragraph\">Certain prerequisites must be met before you can register for the CFA\u00ae Level 3 Exam. First, you must have successfully passed the <a href=\"https:\/\/www.miamiherald.com\/careers-education\/cfa-level-2-exam\/\">CFA\u00ae Level 2 exam<\/a>, demonstrating your competency in areas such as asset valuation, financial reporting, and portfolio management. Additionally, candidates need to remain enrolled in the CFA program and in good standing with the CFA\u00ae Institute.<\/p> <p class=\"wp-block-paragraph\">A key requirement that remains constant across all CFA\u00ae levels is adherence to the CFA\u00ae Institute\u2019s Code of Ethics. This ethical standard is not only tested explicitly in the curriculum but also applied throughout your studies, especially in the decision-making and judgment calls required during the portfolio management and wealth planning sections of Level 3.<\/p> <p class=\"wp-block-paragraph\">In 2025, candidates will also be asked to select a specialized pathway (Portfolio Management, Private Wealth, or Private Markets), introducing a new layer of depth and customization to the Level 3 experience. Regardless of the pathway chosen, the ethical and professional standards remain a cornerstone of the CFA\u00ae Institute\u2019s philosophy.<\/p> <h2 class=\"wp-block-heading\" id=\"h-essential-details-about-cfa-level-iii-exam\"><strong>Essential Details About CFA\u00ae Level III Exam<\/strong><\/h2> <p class=\"wp-block-paragraph\">The CFA\u00ae Level III Exam represents the culmination of the CFA\u00ae program, shifting from technical calculations to real-world application. The exam is designed to assess your ability to integrate and apply the financial and ethical principles you\u2019ve learned in Levels 1 and 2 in professional scenarios, particularly within the fields of portfolio management and wealth planning.<\/p> <h2 class=\"wp-block-heading\" id=\"h-cfa-level-3-exam-format-and-structure\">CFA\u00ae Level 3 <strong>Exam Format and Structure<\/strong><\/h2> <p class=\"wp-block-paragraph\">The CFA\u00ae Level 3 Exam is structured into two distinct sessions.<\/p> <h3 class=\"wp-block-heading\" id=\"h-morning-session-essay-questions\"><strong>Morning Session (Essay Questions)<\/strong><\/h3> <p class=\"wp-block-paragraph\">In the morning, you\u2019ll face <strong>constructed response (essay) questions<\/strong>. These questions challenge candidates to analyze detailed case studies and apply their knowledge by writing structured answers. Topics in this session typically revolve around portfolio construction, asset allocation, and risk management, requiring you to provide explanations, outline processes, or recommend solutions. These questions assess technical knowledge, critical thinking, and the ability to articulate and justify investment decisions based on complex scenarios.<\/p> <h3 class=\"wp-block-heading\" id=\"h-afternoon-session-item-sets\"><strong>Afternoon Session (Item Sets)<\/strong><\/h3> <p class=\"wp-block-paragraph\">Like the CFA\u00ae Level 2 exam, the afternoon session consists of <strong>item sets<\/strong>\u2014a series of multiple-choice questions based on case studies. However, unlike Level 2, these questions are more heavily focused on applying advanced portfolio management concepts. You\u2019ll need to demonstrate your ability to manage portfolios, consider client objectives, and balance risk against return in various market conditions. This section emphasizes practical applications of asset allocation, private wealth management, and ethical standards.<\/p> <h2 class=\"wp-block-heading\" id=\"h-key-topic-weights-and-focus-areas\"><strong>Key Topic Weights and Focus Areas<\/strong><\/h2> <p class=\"wp-block-paragraph\">The CFA\u00ae Level 3 Exam emphasizes portfolio management and wealth planning, placing greater importance on real-world investment management and decision-making processes. Here\u2019s a breakdown of the key topic areas:<\/p> <ul class=\"wp-block-list\"> <li><strong>Ethical and Professional Standards (10\u201315%):<br><\/strong>As in the first two levels, ethics plays a critical role in Level 3. You will be expected to apply the CFA\u00ae Institute\u2019s Code of Ethics and Standards of Professional Conduct to complex scenarios, often involving conflicts of interest, professional misconduct, and investment integrity.<\/li> <li><strong>Portfolio Management and Wealth Planning (35\u201340%):<br><\/strong>This is the backbone of the Level 3 exam. You\u2019ll need to understand how to construct and manage portfolios tailored to individual and institutional clients. Topics like asset allocation, risk management, and performance measurement are critical here. You&#8217;ll also need to assess different types of clients (e.g., high-net-worth individuals and institutions) and their unique objectives, constraints, and preferences.<\/li> <li><strong>Fixed Income Portfolios (10\u201315%):<\/strong><strong><br><\/strong>This section explores advanced strategies for managing fixed-income securities within a diversified portfolio. You\u2019ll analyze interest rate risk, credit risk, and portfolio duration, often within the context of liability-driven investment strategies.<\/li> <li><strong>Equity Investments (10\u201315%):<\/strong><strong><br><\/strong>This section will test your ability to evaluate and construct equity portfolios, focusing on risk\/return trade-offs, valuation techniques, and security selection strategies. You will also explore factors like market anomalies and behavioral biases in equity markets.<\/li> <li><strong>Private Markets and Alternative Investments (10\u201315%):<\/strong><strong><br><\/strong>With more attention being placed on alternative investments, this section helps candidates understand how to manage portfolios with exposure to private equity, real estate, and other alternative assets. You&#8217;ll need to evaluate these investments in terms of their unique risk-return profiles and their role within a broader portfolio strategy.<\/li> <\/ul> <p class=\"wp-block-paragraph\">Understanding these key areas is vital, as success in the CFA\u00ae Level 3 Exam requires not only knowledge of these topics but also the ability to apply them in real-world, complex financial environments.<\/p> <h2 class=\"wp-block-heading\" id=\"h-cfa-level-3-program-and-curriculum-changes-in-2025\"><strong>CFA\u00ae Level 3 Program and Curriculum Changes in 2025<\/strong><\/h2> <p class=\"wp-block-paragraph\">The CFA\u00ae Level 3 Exam will undergo significant changes in 2025, reflecting evolving industry trends and the CFA\u00ae Institute\u2019s commitment to keeping the curriculum aligned with real-world finance.<\/p> <h3 class=\"wp-block-heading\" id=\"h-new-core-curriculum\"><strong>New Core Curriculum<\/strong><\/h3> <p class=\"wp-block-paragraph\">In 2025, the core curriculum will feature six key topic areas:<\/p> <ol class=\"wp-block-list\"> <li><strong>Asset Allocation (15\u201320%)<\/strong><strong><br><\/strong>This section will cover the process of allocating assets among different asset classes to achieve a desired risk-return balance. This is foundational to portfolio management.<\/li> <li><strong>Portfolio Construction (15\u201320%)<\/strong><strong><br><\/strong>This area will focus on combining different securities and asset classes to construct portfolios that meet specific investment objectives.<\/li> <li><strong>Performance Measurement (5\u201310%)<\/strong><strong><br><\/strong>Candidates will learn to evaluate portfolio performance using metrics like risk-adjusted return, benchmarking, and performance attribution.<\/li> <li><strong>Derivatives and Risk Management (10\u201315%)<\/strong><strong><br><\/strong>This topic will delve into the use of derivatives for hedging and enhancing portfolio returns, with a strong focus on risk management techniques.<\/li> <li><strong>Ethical and Professional Standards (10\u201315%)<\/strong><strong><br><\/strong>This remains a key area across all levels, but the Level 3 curriculum emphasizes its application in complex portfolio management and client-facing scenarios.<\/li> <li><strong>Pathways (30\u201335%)<br><\/strong>One of the biggest changes in 2025 is the introduction of specialized pathways. Candidates will choose one of three paths: <ul class=\"wp-block-list\"> <li><strong>Portfolio Management (Legacy Path)<\/strong><\/li> <li><strong>Private Wealth Management<\/strong><\/li> <li><strong>Private Markets<\/strong><\/li> <\/ul> <\/li> <\/ol> <p class=\"wp-block-paragraph\">Each pathway tailors the curriculum to the candidate\u2019s desired focus area, allowing for more specialized study while still culminating in the CFA\u00ae charter.<\/p> <h3 class=\"wp-block-heading\" id=\"h-practical-skills-modules-psms\"><strong>Practical Skills Modules (PSMs)<\/strong><\/h3> <p class=\"wp-block-paragraph\">The introduction of <strong>Practical Skills Modules (PSMs)<\/strong> represents another important addition to the CFA\u00ae Level 3 curriculum in 2025. These modules are short, interactive quizzes designed to assess candidates\u2019 understanding of critical concepts in each learning module. PSMs will not be part of the official exam but must be completed to receive results.<\/p> <h2 class=\"wp-block-heading\" id=\"h-tips-from-cfa-level-iii-candidates\">Tips from CFA\u00ae Level III Candidates<\/h2> <p class=\"wp-block-paragraph\">The CFA\u00ae Level III exam poses unique challenges, especially with its blend of multiple-choice and constructed response (essay) questions. Learning from <a href=\"https:\/\/www.reddit.com\/r\/CFA\/comments\/lp5ssv\/level_3_tips_for_the_exam\/\" target=\"_blank\" rel=\"noreferrer noopener\">others<\/a> who\u2019ve successfully passed the exam can provide invaluable insights. Here\u2019s a collection of practical <a href=\"https:\/\/www.reddit.com\/r\/CFA\/comments\/12o06bv\/passing_cfa_level_3_my_observations_lessons_and\/\" target=\"_blank\" rel=\"noreferrer noopener\">tips<\/a> from candidates who have been through the experience:<\/p> <h3 class=\"wp-block-heading\" id=\"h-balance-between-core-and-peripheral-topics\"><strong>Balance Between Core and Peripheral Topics<\/strong><\/h3> <p class=\"wp-block-paragraph\">One of the recurring themes from candidates is the importance of broad preparation. While it\u2019s tempting to focus on core, high-weighted topics, the CFA\u00ae Level III exam often throws in questions from niche or peripheral areas. As one candidate shared, \u201cIt\u2019s not just the big topics\u2014they tested peripheral areas I didn\u2019t expect. You can\u2019t afford to skip smaller topics.\u201d The lesson here is to cover all areas of the curriculum thoroughly, even if they seem less important.<\/p> <p class=\"wp-block-paragraph\">Another candidate added, \u201cI\u2019d recommend not focusing too deeply on just a few core topics. The test felt broader than I expected, and I got tripped up on something simple that hadn\u2019t come up in any of my mocks.\u201d<\/p> <h3 class=\"wp-block-heading\" id=\"h-master-constructed-response-essay-questions\"><strong>Master Constructed Response (Essay) Questions<\/strong><\/h3> <p class=\"wp-block-paragraph\">Unlike the multiple-choice sections in <a href=\"https:\/\/www.miamiherald.com\/careers-education\/cfa-level-1-exam\/\">Level I<\/a> and II, the <strong>essay portion<\/strong> of Level III is a whole different challenge. One candidate emphasized the need to practice answering concisely: <strong>\u201cThe more you write, the worse it gets. Keep your answers short and to the point.\u201d<\/strong><\/p> <p class=\"wp-block-paragraph\"><strong>Understanding how to answer essay questions effectively<\/strong> is critical. One candidate recommended skipping questions that take too long: \u201cIf you\u2019re stuck on an essay question, skip it. You can always come back, but it\u2019s important to get through the paper first.\u201d<\/p> <p class=\"wp-block-paragraph\">Another useful tip is to <strong>avoid writing in full sentences<\/strong>. The CFAI doesn\u2019t require long explanations, and candidates should focus on hitting key points. Check out Mark Meldrum\u2019s video on how to structure essay answers\u2014many candidates found it to be a game-changer.<\/p> <h3 class=\"wp-block-heading\" id=\"h-prioritize-ethics-gips-and-amc\"><strong>Prioritize Ethics, GIPS, and AMC<\/strong><\/h3> <p class=\"wp-block-paragraph\">Ethics remains a cornerstone of the CFA\u00ae curriculum, but <strong>Level III takes it further<\/strong> with the <strong>Global Investment Performance Standards (GIPS)<\/strong> as well as the <strong>Asset Manager Code (AMC)<\/strong>. These areas are often overlooked, but as one candidate noted, \u201c<strong>Taking the extra 5\u201310 hours to master GIPS and AMC can make the difference between passing and failing.<\/strong>\u201d Make sure you go beyond the basics, as these sections can be crucial to your success.<\/p> <h3 class=\"wp-block-heading\" id=\"h-mock-exams-quality-over-quantity\"><strong>Mock Exams: Quality Over Quantity<\/strong><\/h3> <p class=\"wp-block-paragraph\">Many candidates stress that <strong>doing too many mock exams<\/strong> might not be the best use of their time for Level III. As one candidate explained, <strong>\u201cI did 11 mocks, and in hindsight, I would\u2019ve focused more on the Blue Boxes and End-of-Chapter (EOC) questions instead.<\/strong>\u201d These Blue Box examples in the CFA\u00ae curriculum provide real-world applications of the concepts, which tend to mirror what\u2019s tested on the exam.<\/p> <h3 class=\"wp-block-heading\" id=\"h-time-management-is-key\"><strong>Time Management is Key<\/strong><\/h3> <p class=\"wp-block-paragraph\">Time management is one of the most challenging aspects of the Level III exam, particularly for the morning session. One candidate shared a strategy that worked well: \u201c<strong>I finished the essay section with 40 minutes to spare by skipping questions I couldn\u2019t answer right away. It gave me time to go back and review the difficult ones.<\/strong>\u201d<\/p> <p class=\"wp-block-paragraph\">Another candidate added, <strong>\u201cBe strategic about which questions to answer first. Start with the ones you know well and save the tougher ones for later.\u201d<\/strong><\/p> <h3 class=\"wp-block-heading\" id=\"h-formulas-matter-but-context-is-key\"><strong>Formulas Matter, but Context Is Key<\/strong><\/h3> <p class=\"wp-block-paragraph\">Although Level III is more focused on application, <strong>knowing your formulas<\/strong> inside and out is still important. One candidate explained, \u201c<strong>At this level, you\u2019ll often be asked to solve for a different variable or apply a formula in a way you haven\u2019t practiced. Don\u2019t just memorize\u2014understand how the formulas work in various scenarios.<\/strong>\u201d<\/p> <h3 class=\"wp-block-heading\" id=\"h-don-t-be-discouraged-by-failure\"><strong>Don\u2019t Be Discouraged by Failure<\/strong><\/h3> <p class=\"wp-block-paragraph\">If you don\u2019t pass on your first attempt, don\u2019t lose heart. Many candidates needed multiple attempts to pass Level III. As one shared, \u201c<strong>I failed my first attempt but passed the second time by focusing on my weak areas. Level III is a different beast, and it\u2019s okay if you need more than one try.<\/strong>\u201d<\/p> <h3 class=\"wp-block-heading\" id=\"h-additional-tips-from-candidates\"><strong>Additional Tips From Candidates<\/strong><\/h3> <ul class=\"wp-block-list\"> <li><strong>Create flashcards<\/strong> to help with memory recall.<\/li> <li><strong>Don\u2019t waste time reviewing notes.<\/strong> Flashcards and active recall are more effective.<\/li> <li><strong>Do less but higher-quality mocks,<\/strong> focusing more on EOC questions and Blue Boxes.<\/li> <li><strong>Learn how to structure your answers<\/strong> for the essay section; this can make a significant difference.<\/li> <li><strong>Stay calm during the exam<\/strong> and focus on answering questions efficiently.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-conclusion\"><strong>Conclusion<\/strong><\/h2> <p class=\"wp-block-paragraph\">The CFA\u00ae Level 3 Exam is a critical milestone on your journey to becoming a CFA\u00ae charterholder. By understanding the exam structure, focusing on key topics, and following a consistent study plan, you can maximize your chances of success. Whether you\u2019re just beginning your preparation or approaching exam day, this guide provides the insights and strategies you need to achieve your goals. Good luck with your exam, and may your hard work lead you to success in the CFA\u00ae program!<\/p> <h2 class=\"wp-block-heading\" id=\"h-faq\"><strong>FAQ<\/strong><\/h2> <div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1725606446059\"><strong class=\"schema-faq-question\"><strong>What is the CFA\u00ae Level 3 Exam?<\/strong><\/strong> <p class=\"schema-faq-answer\">The CFA\u00ae Level 3 Exam is the final part of the CFA\u00ae program. It focuses on portfolio management as well as wealth planning and includes essay questions and item sets, testing your ability to apply complex investment concepts in real-world scenarios.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1725606453999\"><strong class=\"schema-faq-question\"><strong>Is the CFA\u00ae Exam Level 3 difficult?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, the CFA\u00ae Level 3 Exam is challenging, mainly due to its focus on essay questions and the application of advanced portfolio management concepts. However, with thorough preparation, many candidates successfully pass on their first attempt.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1725606461432\"><strong class=\"schema-faq-question\"><strong>How important is the CFA\u00ae Level 3 Exam?<\/strong><\/strong> <p class=\"schema-faq-answer\">Passing the CFA\u00ae Level 3 Exam is crucial as it is the last step before earning the CFA\u00ae charter. This credential is highly regarded in the industry and can significantly enhance your finance management career prospects.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1725606469703\"><strong class=\"schema-faq-question\"><strong>How should I prepare for the CFA\u00ae Level 3 Exam?<\/strong><\/strong> <p class=\"schema-faq-answer\">Preparation for the CFA\u00ae Level 3 Exam should include a strong focus on portfolio management and wealth planning, practicing with essay sets, and consistent study. The CFA\u00ae curriculum and past exam questions are also recommended as study materials.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1725606477364\"><strong class=\"schema-faq-question\"><strong>What happens after passing the CFA\u00ae Level 3 Exam?<\/strong><\/strong> <p class=\"schema-faq-answer\">After passing the CFA\u00ae Level 3 Exam, you can apply to become a CFA\u00ae charterholder, provided you meet the work experience and other requirements set by the CFA\u00ae Institute. This designation is a significant achievement and can open up advanced career opportunities in finance.<\/p> <\/div> <\/div> ","protected":false},"excerpt":{"rendered":"<p>Passing CFA\u00ae Level 2 is a massive achievement\u2014you\u2019re two-thirds of the way to earning your charter. But now comes the real test. Unfortunately, only a little over half of candidates (55%) who get to this phase of the CFA\u00ae program will pass as the CFA\u00ae Level 3 exam shifts gears, focusing heavily on portfolio management [&hellip;]<\/p> ","protected":false},"author":11,"featured_media":2977,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3,244],"tags":[],"class_list":["post-2976","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-careers-education","category-finance"],"acf":{"external_author":[129],"external_editor":"","select_template":"default","not_show_feature_image":false,"hide_toc":false},"featured_image_src":"https:\/\/www.miamiherald.com\/careers-education\/wp-content\/uploads\/sites\/2\/2024\/09\/CFA-Level-3-Exam--768x427.png","author_info":{"display_name":"","author_link":"https:\/\/www.miamiherald.com\/careers-education\/author\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>CFA\u00ae Level 3 Exam: Everything You Need to Know<\/title>\n<meta name=\"description\" content=\"Prepare for the CFA Level 3 Exam with essential strategies on portfolio management, essay formats, and critical topics to ensure success in your final step.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.miamiherald.com\/careers-education\/cfa-level-3-exam\/\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/cfa-level-3-exam\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/cfa-level-3-exam\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"CFA\u00ae Level 3 Exam: Everything You Need to Know\",\"datePublished\":\"2024-09-11T01:35:08+00:00\",\"dateModified\":\"2025-08-29T00:12:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/cfa-level-3-exam\\\/\"},\"wordCount\":2325,\"image\":{\"@id\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/cfa-level-3-exam\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.miamiherald.com\\\/careers-education\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2024\\\/09\\\/CFA-Level-3-Exam-.png\",\"articleSection\":[\"Careers &amp; 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