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Continuing Education credit — May 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. During which two months, during the time period from Jan. 1, 1998, through Dec. 31, 2019, did large-cap stocks see the best average returns?  *This question is required.
2. During the same time period, which two months saw the best returns for commodities? *This question is required.
3. Which two months saw the best performance for small-cap stocks? *This question is required.
4. Over how many years, maximum, can a non-eligible designated IRA beneficiary spread out distributions from an inherited account, per the Secure Act? *This question is required.
5. For 2020, when is the deadline for clients to make 2019 IRA contributions? *This question is required.
6. The 10% early IRA distribution penalty is waived for up to what amount? *This question is required.
7. What is the maximum HSA contribution for a single 56-year-old client with self-only coverage in 2020? *This question is required.
8. Employers with SIMPLE IRA plans are generally required to match 3% of an employee’s salary. In which case below can the rate be as low as 1%? *This question is required.
9. Which of these bond funds would have had the lowest return for a client over the past decade? *This question is required.
10. If you liquidate client funds in order to maximize tax losses for clients, how long must you wait to reinvest the cash into a similar investment, per the IRS, in order for the client to benefit from this strategy? *This question is required.
This question requires a valid email address.