R04
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September 23, 2025
2028 Protection Explained: Key Facts for CII Exam Preparation
In this article, we look at 2028 protection, which is a form of transitional protection that will apply in...
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September 9, 2025
Guaranteed Minimum Pension (GMP): What It Is, How It Works, and Why It Still Matters
Here, we look at guaranteed minimum pension (GMP) including what it is, when it accrued, and how it might...
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September 9, 2025
Brand Bitesize: Understanding Phased Annuity Purchase
In this Brand Bitesize video, we break down Phased Annuity Purchase – a key retirement income option often tested...
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April 29, 2025
Dividing Pensions in Divorce: Offsetting, Earmarking, and Pension Sharing Explained
When a marriage or civil partnership ends, dividing assets like the family home or savings is usually top of...
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April 15, 2025
The Workings of the Money Purchase Annual Allowance (MPAA)
In this article, we discuss the Money Purchase Annual Allowance (MPAA), a restriction on pension contributions that applies once...
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April 8, 2025
Understanding the Latest QROPS Changes and Overseas Transfer Rules
In this article, we look at recent changes to Qualifying Recognised Overseas Pension Schemes (QROPS) - useful reading for...
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March 11, 2025
Is Buy-to-Let Still a Good Investment? Tax, Costs, & Risks Explained
In this article, we take a look at buy-to-let (BTL) property as an investment – relevant to the CII...
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March 4, 2025
Small Pots vs Trivial Commutation: How to Withdraw Small Pension Amounts Efficiently
For those with modest pension savings, navigating how to access funds in retirement can be confusing. In this article,...
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February 11, 2025
Navigating the CII R0 Exams – Choosing the Right Path
Deciding the best order to tackle the R0 exams can feel overwhelming. Your choice will likely depend on a...
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October 22, 2024
Basic vs New State Pension: Key Differences Explained
In this article, we take a look at the key differences between the two main types of State Pension:...
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September 24, 2024
The Main Changes in the 2024-25 CII R04 Study Text
Here, we take a look at the main syllabus changes in the 2024/25 version of the CII’s R04 study...
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September 10, 2024
Understanding the Financial Ombudsman Service
In this article, we look at the Financial Ombudsman Service (FOS), focusing in particular on the process to be...
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July 23, 2024
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February 27, 2024
A Closer Look at Purchased Life Annuities
In this article, we look at purchased life annuities, focusing in particular on their taxation and the reasons for...
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February 6, 2024
When ‘Guaranteed’ May Not Actually Mean Guaranteed
Here, we discuss a concerning trend where some pension trustees revisit transfer values, demanding repayment years later. This is...
