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Continuing Education credit — November 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. The Tax Code limits a 401(k) loan to which amount? *This question is required.
2. A 401(k) loan offset amount can be rolled over to an IRA or another employer plan by which date? *This question is required.
3. In the 20-year analysis presented (from 1999 to 2018), how many years did an all-cash portfolio beat a fixed-income portfolio with 40% cash, 20% aggregate bonds, 20% TIPS and 20% foreign bonds? *This question is required.
4. Overall, over that same time period, by how many basis points did a diversified fixed-income portfolio beat an all-cash portfolio? *This question is required.
5.  Which section of the Internal Revenue Code allows for the deduction of a wide range of medical expenses? *This question is required.
6. By what percentage are medical expenses deductible
in 2019? *This question is required.
7.  If an unmarried client inherits an IRA, how large must it be to generate enough in income to claim ongoing sustained itemized deductions? *This question is required.
8.  On average, what percentage more will retirees pay for health care insurance premiums in 2020, according to the National Active and Retired Federal Employees Association? *This question is required.
9.  If a foreign-born spouse wants to acquire U.S. citizenship after the death of their American spouse, how much time do they have to do so? *This question is required.
10.  Over the past 10 years, by roughly how many percentage points did the performance of international equity funds
lag those of the Dow and the S&P 500, according to Morningstar Direct? *This question is required.
This question requires a valid email address.