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  • Newsletter for December 2024

    Here's an update on all that's news at Brand Financial Training.

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

    The question paper from the April 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. 

  • PE Ratios – What are they and what do they mean?

    The price/earnings ratio is a quick way to see if a share you’re interested in is cheap or not. Find out how to calculate this ratio and learn what it means - useful for your CII AF4, AF5, J10, J12, R02 or R06 exam revision.

  • Brand Bitesize: Pension Carry Forward

    In this Brand Bitesize video, we talk about the basic criteria that must be met for pension carry forward to apply. This is useful for CII R04, AF5, AF7, or R06 exam revision.

  • Exploring Employee Share Schemes

    Here, we look at the main tax-advantaged employee share schemes, focusing on limits and tax implications. This is particularly relevant to the CII R03, R06, AF1, AF4, and AF5 exams.

  • Understanding Lifetime Mortgages and Home Reversion Plans

    Here, we look at equity release and, in particular, lifetime mortgages and home reversion plans - useful for CII R01, R07, CF6, R06, and AF5 exam preparation.

  • Whole of Life Insurance Explained: Key Features and Policy Options

    In this article, we look at whole of life policies. This article is particularly relevant to the CII R01, R05, R06 and AF5 exams.

  • Choosing Between Lump Sum and Regular Savings

    In the CII R06 or AF5 exams, one question that often pops up is the consideration of whether it’s better to invest a lump sum or save regularly for a future investment goal or for retirement. In this blog post, we consider the pros and cons of each method.

  • Assessing Net Worth and Making Informed Recommendations Using a Net Asset Statement

    For candidates preparing for their CII R06 or AF5 exams, understanding a client's net asset statement provides a comprehensive view of their financial position. By analysing assets, investments, and liabilities, the financial adviser can assess their net worth and make informed recommendations to align their financial goals for a secure future. Read on to find out more about how to interpret and utilise this valuable financial snapshot in the exam and real-world scenarios.

  • 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 R01, R02, R04, R06, AF4, AF5, CF1, CF6 and R07 exams.

  • Help for Those Purchasing a First Home

    In this article, we look at the different sources of financial support available for first-time home buyers. This is useful reading for CII R01, R07, CF6, R06, and AF5 exam preparation.

  • What are the duties of trustees?

    The CII exam on trusts is J02; the exam is 2 hours long with 15 short-answer questions giving a total of 130 marks. Here is an example question that will help exam candidates answer questions on the duties of trustees.

  • Tax Implications of Assigning Investment Bonds

    In this article, we take a look at the assignment of onshore investment bonds, focusing in particular on the tax implications. This article is particularly relevant to the CII R01, R02, R03, R06, AF1, AF4, and AF5 exams.

  • Getting to Know the ‘Know Your Customer’ Rules

    Here, we take a look at the ‘know your customer’ rules, focusing, in particular, on investment objectives - useful reading for the CII's CF1, R01, R02, R06, AF4, and AF5 exams.

  • Order of Taxing Income

    Here, we look at the order in which multiple sources of income are taxed. This article is particularly relevant to the CII CF1, R03, R06, AF1, AF4, and AF5 exams.