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Continuing Education Credit — September 2018

As a subscriber to Financial-Planning.com, 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 help@sourcemedia.com, 212.803.8500.
1. What is the current basic premium for Medicare Part B? *This question is required.
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2. What is the maximum modified adjusted gross income a married couple filing jointly can have before they will be subject to a Medicare surcharge for an income related monthly adjustment? *This question is required.
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3. What was the average 60% equity/40% bond portfolio balance, at age 95, for 33 different clients (in time periods ranging from 1926 to 2017) who began investing at age 35, saving 8% annually of a salary starting at $50,000 and increasing 1.5% each year until age 70? *This question is required.
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4. To qualify as a high-deductible plan that can be used with an HSA, the plan must offer a minimum deductible of how much for individuals? *This question is required.
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5. What is the maximum annual deductible for a family in order for a plan to qualify as one that can be used with an HSA? *This question is required.
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6. How much, on average, do family caregivers helping a relative with dementia spend on annual out-of-pocket expenses? *This question is required.
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7. As of the end of second quarter 2018, what was the five-year annualized return of PIMCO’s Unconstrained Institutional Class Bond Fund? *This question is required.
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8. Which FINRA notice addresses examples of electronic communications considered to be either within, or outside, the definition of “recommendation” for advisors? *This question is required.
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9. At what income level is a couple filing jointly disqualified from contributing directly to a Roth IRA? *This question is required.
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10. What is the current annual maximum allowed for all employee contributions, employer contributions and non-Roth after-tax contributions? *This question is required.
Related Content: When to show HNW clients the Roth IRA back door
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