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Continuing Education Credit — June 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. From 2004 through 2018, which of these asset classes had the highest average annualized returns? *This question is required.
2.  From 1974 through 2018, which of these asset classes had the highest average annualized returns? *This question is required.
Related Content: What to say when clients ask, 'How is my portfolio doing?'
3.  From 1999 through 2018, among these four asset classes, which had the most favorable annual standard deviation? *This question is required.
Related Content: 'How is my portfolio doing?'
4. Which of these 10% early withdrawal penalty exceptions applies only to employer plans? *This question is required.
5.  Which part of the Tax Code states that, in order to qualify for the 10% early withdrawal exception for disability, a person must furnish proof that he/she cannot engage in any “substantial gainful activity?” *This question is required.
6. At what AGI does the 3.8% Medicare surtax on net investment income for an individual filer kick in? *This question is required.
7. What is the ordinary income tax rate for a single filer making $450,000 per year? *This question is required.
8. Over the past 10 years, what has been the annualized total return of foreign equities (as represented by the MSCI All Country World ex-U.S. Index benchmark)? *This question is required.
9. A client who is a tech entrepreneur looking to exit a venture can receive exemptions on up to what percentage of capital gains from qualified small business stock? *This question is required.
10. Which FINRA rule states that it may be permissible for an advisor to borrow money from a client who also happens to be an immediate family member? *This question is required.
This question requires a valid email address.