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  • The Main Changes in the 2025-26 CII R03 Study Text

    Here, we take a look at the main changes that you’ll come across in the 2025/26 version of the CII’s R03 study text. As there have been no significant syllabus changes, the majority of the amends stem from the Autumn Statement 2024, the Spring Budget 2025, and the turning of the tax year. This article is particularly relevant to the CII R03, R06, AF1, and AF5 exams

  • Brand Bitesize: NS&I Premium Bonds

    In this Brand Bitesize video, we explore how premium bonds work, their prizes, and both the upsides and downsides. This might be useful for you if you're studying towards any of the CII R01, R06 or AF5 exams.

  • Multi-Asset Funds Explained: Key Advantages and Disadvantages

    Multi-asset funds play a crucial role in building diversified investment portfolios, making them a key topic for financial advisers and exam candidates alike. By spreading investments across multiple asset classes, these funds can balance risk and return, catering to different risk profiles and financial goals. This article discusses the benefits, drawbacks, and practical uses of multi-asset funds—essential knowledge for those preparing for any of the CII R02, R06, J10, AF4, and AF5 exams.

  • Financial Planning After Divorce

    When a marriage ends in divorce or a civil partnership in dissolution, there are a significant number of financial planning implications. In this article, we look at the impact on existing Wills, the laws of intestacy, nominations for death in service, and pension death benefits - useful reading for CII J02, R06, AF1, and AF5 exam takers.

  • 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: the Basic State Pension and the New State Pension - relevant to the CII's R01, R04, R05, R06, AF1, AF7, and AF5 exams.

  • Our Post-Exam Review of the July 2022 CII R06 Exam

    The exam guide from the July sitting of R06 has been released by the CII, prompting us to see how we did in predicting the questions and model answers in our pre-exam analysis.

  • Our Post-Exam Review of the January 2022 CII R06 Exam

    The question paper from the January sitting of R06 has been released by the CII, prompting us to see how we did in predicting the questions and model answers in our pre-exam analysis. 

  • Tax Year End Planning

    Tax efficiency and tax planning of a client’s portfolio are often examined in the R06 and AF5 exams and of course, the concepts can be tested across many of the other exams too. So, in this article, we look at some of the tax year end planning considerations.

  • The Main Changes in the 2024-25 CII R02 Study Text

    Here, we take a look at the main changes that you’ll come across in the 2024/25 version of the CII’s R02 study text. As there have been no significant syllabus changes, the majority of the amends stem from the Autumn Statement 2023, the Spring Budget 2024, and the turning of the tax year. This article is particularly relevant to the R02, R06, AF4, and AF5 exams.

  • Planning for Fixed Rate Mortgage Expiry

    In this article, we look at the options available to those whose fixed mortgage rates are coming to an end at a time when standard variable rates, and indeed new fixes, are likely to be higher than their previous fixes. This is useful reading if you are preparing for any of the CII CF6, R07, R06, or AF5 exams.

  • Using a Lump Sum to Pay off a Mortgage

    One question that often pops up in the CII R06 and AF5 exams is the consideration of whether it’s better to invest a lump sum, such as a recently received inheritance, or to use it to repay an outstanding mortgage. In this blog post, we consider the pros and cons of each.

  • The Main Changes in the 2024-25 CII R01 Study Text – Part 2

    Here, in the second of a two-part series, we take a look at the main changes that you’ll come across in the second half of the 2024/25 version of the CII’s R01 study text. This article is particularly relevant to the R01, R06, and AF5 exams.

  • The Main Changes in the 2024-25 CII R01 Study Text – Part 1

    Here, in the first of a two-part series, we take a look at the main changes that you’ll come across in the first five chapters of the 2024/25 version of the CII’s R01 study text. This article is particularly relevant to the R01, R06, and AF5 exams.

  • All You Need to Know About ISAs

    In the 2023 Autumn Statement, the Government announced a package of ISA reforms, most of which came into effect from 6 April 2024. In this article, we take a look at what these reforms involve - useful reading for those preparing for the CII's R01, R02, R03, R06, AF1, AF4, or AF5 exams.

  • Employee Benefits in Financial Planning

    In this article, we take a look at the pros and cons of financial planning-related employee benefits - relevant to the CII's R05, R06, and AF5 exams.