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  • The CII AF7 February 2021 Exam in Review

    We have been reviewing the CII exam papers from the February 2021 sitting, and this week we're looking at AF7 – the Pension Transfer exam.

  • 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 useful reading for those preparing to sit the CII AF7 exam.

  • 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 benefits have been accessed flexibly. We explore how it works, when it is triggered, and its implications for pension planning. This is useful reading as part of your preparation for the CII R04, J05, or AF7 exams.

  • The CII J05 September 2025 Exam in Review

    In this article, we’re looking at the CII’s Diploma in Financial Planning J05 exam paper that students sat in September – this is the exam on Pension Income Options. This will be useful reading for you if you are preparing to sit this exam in the near future; it will help you to focus your revision on the areas that are likely to be examined.

  • The CII AF7 October 2020 Exam in Review

    We have been reviewing the CII exam papers from the October 2020 sitting and this time, it’s the turn of the AF7 Pension Transfer exam.

  • Friday Five Focus on Pensions – 5 Questions in 5 Minutes – 10 Apr 2026

    Each week, we ask questions relating to one of these topics: Investments, Taxation, Pensions, Protection, or Regulation. This week, our Friday Five is relevant to Pensions; this is useful as you prepare for the CII's R04, AF7, or J05 exams. The challenge is for you to answer them in 5 minutes. Try the new interactive format and get your results and feedback instantly!

  • Friday Five Focus on Pensions – 5 Questions in 5 Minutes – 6 Mar 2026

    Each week, we ask questions relating to one of these topics: Investments, Taxation, Pensions, Protection, or Regulation. This week, our Friday Five is relevant to Pensions; this is useful as you prepare for the CII's R04, AF7, or J05 exams. The challenge is for you to answer them in 5 minutes. Try the new interactive format and get your results and feedback instantly!

  • 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 those studying for any of the CII R04, J05, or AF7 exams.

  • Friday Five Focus on Pensions – 5 Questions in 5 Minutes – 30 Jan 2026

    Each week, we ask questions relating to one of these topics: Investments, Taxation, Pensions, Protection, or Regulation. This week, our Friday Five is relevant to Pensions; this is useful as you prepare for the CII's R04, AF7, or J05 exams. The challenge is for you to answer them in 5 minutes. Try the new interactive format and get your results and feedback instantly!

  • The CII AF7 April 2021 Exam in Review

    We have been reviewing the CII exam papers from the April 2021 sitting, and this week we’re looking at AF7 – the Pension Transfer exam. 

  • 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, we look at two key ways to withdraw smaller pension amounts efficiently: small pots and trivial commutation. This article is relevant for anyone studying for their CII R04, J05, or AF7 exams.

  • Friday Five Focus on Pensions – 5 Questions in 5 Minutes – 26 Dec 2025

    Each week, we ask questions relating to one of these topics: Investments, Taxation, Pensions, Protection, or Regulation. This week, our Friday Five is relevant to Pensions; this is useful as you prepare for the CII's R04, AF7, or J05 exams. The challenge is for you to answer them in 5 minutes. Try the new interactive format and get your results and feedback instantly!

  • Friday Five Focus on Pensions – 5 Questions in 5 Minutes – 21 Nov 2025

    Each week, we ask questions relating to one of these topics: Investments, Taxation, Pensions, Protection, or Regulation. This week, our Friday Five is relevant to Pensions; this is useful as you prepare for the CII's R04, AF7, or J05 exams. The challenge is for you to answer them in 5 minutes. Try the new interactive format and get your results and feedback instantly!

  • Friday Five Focus on Pensions – 5 Questions in 5 Minutes – 17 Oct 2025

    Each week, we ask questions relating to one of these topics: Investments, Taxation, Pensions, Protection, or Regulation. This week, our Friday Five is relevant to Pensions; this is useful as you prepare for the CII's R04, AF7, or J05 exams. The challenge is for you to answer them in 5 minutes. Try the new interactive format and get your results and feedback instantly!

  • 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 2028 when the normal minimum pension age increases to 57. This is particularly relevant to the CII J05 exam, where it has been specifically examined on multiple occasions previously, but could also easily come up as a question in R04. It may also be relevant to AF7.