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Continuing Education Credit — March 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.  Over the past 20 years, what was the standard deviation of a 12-index (S&P 500, S&P MidCap 400, S&P SmallCap 600, MSCI EAFE, MSCI EM, S&P Global REIT, S&P North American Natural Resources, Deutsche Bank Optimum Yield Diversified Commodity, Barclays U.S. Aggregate Bond, Barclays U.S. TIPS, Barclays Global Treasury ex U.S. and three-month U.S. Treasury bills) portfolio with a 6.83% annualized return? *This question is required.
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2. During the same time period, what was the standard deviation of the S&P 500? *This question is required.
Related Content: When boring is good investing
3.  What is the average student debt load in the U.S., according to the Census Bureau? *This question is required.
4. What percentage of medical school students graduate with $192,000 in student loan debt, according to the Association of Medical Colleges? *This question is required.
5. In January 2019, the S&P 500 increased nearly 8%. What is the most recent year in which the index posted a larger January rally? *This question is required.
6.  Which of these 2025 target-date funds had the worst return in 2018? *This question is required.
7.  Which of these funds that had a negative return in 2018 had the best five-year return? *This question is required.
8. While there are exceptions for more personal gifts, FINRA Rule 3220 generally bars gifts from advisors to clients in excess of what amount? *This question is required.
9. Which of these is NOT one of the four effective capital gains brackets in 2019? *This question is required.
10. What is the maximum percentage of Social Security benefits that are taxable as income? *This question is required.
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