CII

Invest In You

Here at Expert Pensions we are all very passionate about learning and development. We love supporting our students on their learning journey and we are constantly working behind the scenes to ensure that you are getting the very best of what we have to offer. Why are we different? We believe we offer the very […]

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Did you do yourself justice this week?

I hope you are looking forward to a guilt-free weekend ​in ​the spring sunshine​​? Did you do yourself justice this week? It’s been another interesting exam term and we’ve learnt that it’s getting tougher​.​ ​A useful reminder that chartered means something special. ​We learnt that 1 day workshops don’t work for AF4. No more of […]

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Why Tax Free Cash will not be removed

Tax free cash from your clients pension pot will not be removed. But, whilst a flat-rate 30% tax relief does make a lot of sense to your BRT clients, it’s BAD news for HRT. Why? I’m going to show you exactly how TFC works and why a flat-rate 30% tax relief will make a lot […]

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3 unknowns about pension flexibility

I make it 7 weeks until 6 April and we are still awaiting final guidance on the IHT position. Tread carefully with any conversations you are having in the run-up to 6 April, particularly in the IHT space when discussing pension flexibility. There are still 3 things about pension flexibility that could have a serious impact […]

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CII exams 2015: April 2015 CII AF4 exam booked

If you are thinking about sitting an AF exam in April, time to decide from the CII exams 2015. I’ve just booked the CII AF4 exam for April 2015. I like to sit the AF3 and/or AF4 exam at least once a year (read more here). This year it’s going to be AF4 in April […]

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CII AF3 exam example question on video

Your most difficult subject from the whole AF3 exam syllabus is transitional primary protection. It’s the one most students, most of the time, have most difficulty with. And it’s recognised by the CII examiners as an important part of the syllabus for the AF3. It is so important, it was the BIG Q1 in October […]

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CII AF exam support: 1000 unique, topical and instantly available answers

Where else can you get access to over 200 exam topics and a 1000 replies? Every single one specifically and only about the CII AF exams? Save yourself hours of searching for an answer about the CII AF1 exam, AF3 exam, AF4 exam or AF5 exam. Every one original, unique, timely, topical and instantly available […]

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Does it matter the money comes from the DB scheme or the SIPP?

Following from my recent post and para-post on LinkedIN, Henry Tapper posted a question for me here: https://www.linkedin.com/pulse/db-dc-what-question-john-reynolds?trk=prof-post Here’s my answer (linkedIN wouldn’t let me post it): ”Henry, now now…check the financial advice given by a regulated pension transfer specialist authorised to give advice on DB transfers and given permissions by FCA? Trustees to check […]

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Access to the best of DC and DB pension schemes?

Is it foolish now to scorn the benefits of a DB scheme, in light of the new pensions flexibility? Oppose their outrageous good fortune? And take up arms against them with FAD? There’s no doubts that (for some) the new pension flexibility rules make the DB/DC transfer argument a lot closer. Are the new rules […]

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Looking past the question

As part of your structured study plan we emphasise the importance of practicing with past exam papers. Practice, practice, practice. You will have been doing this for years. The reasons are obvious and are 4-fold: *Make yourself familiar with the format of the exam *Practice case studies and questions *Get used to writing for three […]

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