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Continuing Education credit — September 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. Which of these states is not a separate property state? *This question is required.
2. The “step-up in basis rule” is outlined in which Internal Revenue Code section? *This question is required.
3. This “step-up in basis rule” means that the beneficiary of inherited assets will: *This question is required.
4. If a client couple is married and filing jointly, what will their long-term capital gains rate be if their income is $495,000? *This question is required.
5. What is the highest possible monthly Income Related Monthly Adjustment Amount, or surcharge, on Medicare premiums for individuals with incomes above $500,000 and married couples with income above $750,000? *This question is required.
6. What is the lifetime estate and gift tax limit for a couple? *This question is required.
7. Taxpayers can use capital losses to offset any net capital gains, plus an additional how much of ordinary income? *This question is required.
8. Penalty-free withdrawals from retirement plans of up to how much can be used for childbirth or adoption expenses, per the SECURE Act? *This question is required.
9. 529 plans can include up to how much in lifetime student loan repayments for a beneficiary, as well as for each of the beneficiary’s siblings, per the SECURE Act? *This question is required.
10. Which of these precious metals funds has had the best annualized three-year return?  *This question is required.
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