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From“ Four Opportunities To Add Value In Giving Season,” page 19 1. Clients might want to concentrate several years of giving into one high-income year to offset the new ___ adjusted gross income( AGI) floor for deductions. A. 0.5 % B. 1 % C. 1.5 % D. 2 %
2. The new tax law has raised the exemptions for lifetime gifts and estate taxes to ___ per individual. A. $ 7 million B. $ 10 million C. $ 15 million D. $ 20 million
From“ The Overlooked Asset Class Advisors Can’ t Ignore,” page 21 3. Why do advisors avoid looking at digital assets for an estate plan? A. Passwords, file storage and social media accounts feel like IT, not finance. B. These items will likely have no value. C. The law has made it impossible to have power of attorney over these assets. D. None of the above
4. A Bryn Mawr Trust survey found the average person values their digital assets at nearly ____. A. $ 50,000 B. $ 100,000 C. $ 150,000 D. $ 200,000
From“ A Twist On Yield Investing,” page 40
5. The Cambria Emerging Shareholder Yield ETF recently sported a 30-day SEC yield of nearly __. A. 1.02 % B. 3.5 % C. 4.02 % D. 5 %
6. According to Cambria, a company’ s ____ is / are camouflaged in its market price. A. Corporate share buybacks B. Dividends C. Net asset value D. All of the above
From“ Big Beautiful End-Of-Year Tax Strategies,” page 44 7. Your clients’ $ 40,000 SALT deduction this year diminishes when their income exceeds ____. A. $ 200,000 B. $ 300,000 C. $ 500,000 D. $ 600,000
8. Net business operating losses carried to future years can only offset __ of income. A. 20 % B. 40 % C. 80 % D. 90 % From“ What To Tell Yield-Hungry Clients If Rates Fall?,” page 49 9. What’ s the disadvantage of putting money in a CD? A. It’ s illiquid. B. It’ s not insured. C. CDs are volatile. D. None of the above
10. Advisors say cash-equivalent allocations such as money-market funds should cover about __ months of living expenses. A. 3 B. 5 C. 8 D. 12
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Financial Advisor( ISSN 1545-0163, USPS 021-488) is published monthly by Charter Financial Publishing Network Inc., 149 Avenue at the Common, Shrewsbury, NJ 07702. Periodicals postage paid at Red Bank, NJ and additional mailing offices. Subscription Rates: $ 79 per year. Postmaster: Send all address changes to Charter Financial Publishing Network Inc., P. O. Box 7550, Shrewsbury, NJ 07702. Copyright 2025 by Charter Financial Publishing Network Inc. Reproduction, photocopying or incorporation into any information-retrieval system for external or internal use is prohibited unless permission is obtained beforehand from the publisher in each case for a specific article. The subscription fee entitles the subscriber to one original copy only. Unauthorized copying is considered theft. November 2025 Financial Advisor( Volume 26, Number 9)
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