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Continuing Education credit — January 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 email a certificate of completion. Please take a screenshot of the results screen, and 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 our Customer Success Team
1. What is the deadline for re-characterizing an IRA contribution? *This question is required.
2. What is the IRS user fee for a late Roth re-characterization private letter ruling? *This question is required.
3. At up to what rate are gains from collectibles, such as many bullion funds, taxed? *This question is required.
4. Which of these provisions is not allowed as part of a QDRO, per ERISA and the Internal Revenue Code? *This question is required.
5. Which of these rules states that the benefits accrued under an ERISA-covered plan generally cannot be assigned or alienated? *This question is required.
6. Which of these types of funds has the highest standard deviation across all returns over three years, five years, 10 years, 15 years and 20 years? *This question is required.
7. Of these same fund types, which had the lowest 10-year average return? *This question is required.
8. Which of these same fund types had the most periods of average returns — over three years, five years, 10 years, 15 years and 20 years — that were higher than their 30-year average? *This question is required.
9. What of these rules prohibit borrowing money from clients except under very specific limited circumstances? *This question is required.
10. Which of these funds had the best five-year return? *This question is required.
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