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Continuing Education credit — March 2020

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. Please take a screenshot of the confirmation from the results page 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 Arizent customer service at, 212.803.8500.
1. Since 1970, what has been the average S&P 500 return following the year after a 30%-plus return, such as occurred in 2019? *This question is required.
2. If a client has a portfolio loss of 35%, they should understand it needs a subsequent gain of what percentage in order to break even? *This question is required.
3. If a client leaves her $1 million IRA through a see-through trust to her grandchildren, and the oldest grandchild is 19, over how many years following the year of the client’s death can RMDs be paid out per the Secure Act? *This question is required.
4. Which of these is true regarding FINRA’s Regulatory Notice 19-04? *This question is required.
5. If a client wants to tap into their IRA assets before the age of 59 ½  without penalty, which specific IRS rule would allow for such distributions? *This question is required.
6. Payments made under the IRS rule for early distribution without penalty generally must be calculated using which of these methods? *This question is required.
7. Which of these is NOT an exception to the overall 10% early withdrawal penalty for IRAs? *This question is required.
8. A client who is how old can avoid the 20% nonqualified withdrawal penalty for an HSA? *This question is required.
9. For 2020, what is the maximum out-of-pocket health plan expense for a family? *This question is required.
10. Which of these actively managed funds had the highest three-year return through 2019? *This question is required.
This question requires a valid email address.