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Continuing Education credit — August 2019

As a subscriber to, you can earn up to 12 hours of CE credit from the CFP Board and the Investments & Wealth Institute.

Please read the articles and answer the questions below. To find the related article, click on the hyperlinked title of the story – both online-only articles as well as stories published in the magazine.

You must answer 8 of the 10 questions correctly to qualify for CE credit.

Financial Planning does not provide a certificate of completion. However, you will receive confirmation if you’ve passed the quiz. Please keep the confirmation for your records. Financial Planning reports results to the CFP Board weekly. The board may take an additional two weeks to post results.

If you need assistance, please contact SourceMedia customer service at, 212.803.8500.
1. What is the median net worth (not including a home) of U.S. residents ages 40 to 44, according to Fed data? *This question is required.
2.  As a single tax filer, a surviving spouse may face the surtax on net investment income, at what percentage? *This question is required.
3.  Which of these portfolios had the best average annualized return from 1999 to 2018? *This question is required.
4.  Which of these portfolios, in the same time period, had the lowest percentage of years with a positive return? *This question is required.
5.  Which had the most favorable standard deviation? *This question is required.
6.  What was the average leverage ratio for bond funds in 2018, according to the Investment Company Institute? *This question is required.
7.  Bond funds that take on more risk have returned what percentage in the past five years, according to Morningstar? *This question is required.
8. Which of the below is true, under a June 2019 SEC revision of the Regulation Best Interest rules package? *This question is required.
9. Typically, when a prohibited IRA transaction occurs, such as using direct IRA-owned real estate for personal use, what is the penalty for the IRA owner? *This question is required.
10. Which of these passive funds had the worst one-year return (as of June 2019), according to Morningstar data? *This question is required.
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