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  • I would definitely do AF4 if I had to choose between the two. I have passed both and AF4 was a much less stressful experience. AF8 has unclear instructions at best, and the feedback provided for assignments is very vague too, it also costs a lot mor…
  • I would start with AF8, as its 3 pieces of coursework over a 12 month period. You can get them done quickly to leave plenty of time for resubmissions if needed. There's a 60 day marking time per coursework too so I wouldn't want to leave this until …
  • They are checking for Financial Soundness, for various reasons including their duties to the FCA. A Financial Adviser who is in financial trouble may have a conflict of interest. i.e. Recommending products with the highest commissions/fees as opp…
  • https://www.cii.co.uk/media/10125371/af8_coursework_faqs.pdf Below taken from above link for AF8 coursework FAQs, page 6. Would suggest your thinking is correct, but as Andy said probably worth double checking with CII. What are the timescales…
  • @benjaminfabi Thank you! Much appreciated.
  • I believe its because AF4 is a written (on actual paper) exam and not on typed on a PC like AF5.
  • Yes, it's not too clear at all. The expert pensions material does a great job of explaining what the CII should have done IMO... i.e., what CII are looking for with each assignment and also how to structure your answers. I'd also make use of the pen…
  • Hi, AF8 involves three coursework assignments rather than an exam. I am currently completing this unit though and would highly recommend the Expert Pensions AF8 Study plan if you are looking at completing AF8.
  • https://www.cii.co.uk/important-exam-deadlines All on here
    in R06 Comment by DaleLucas November 2022
  • @B2405 My assignments were around 25 working days each to be returned.
  • @BeckyJ My work is looking for a full time paraplanner and we're based in Knowle, feel free to send me an email/CV across and I'll pass it on to the hiring manager to get in touch. My email is dale@moneydr.co.uk Company: https://www.money…
  • I agree, some of the exam guides/practice papers seemed much more difficult IMO. Good luck for results
  • As far as I'm aware there would be no advantage to having a life of another policy over own life policies that are held in trust, as neither would fall into the estate of the deceased. Disadvantage of life of another policy; A third party such as…
  • In my opinion enrolment plus isn't worth it for R06 and I think your money would be better spent towards a third party case study analysis.
    in RO6 Comment by DaleLucas July 2022
  • Hi, Is there a recording of this webinar available anywhere please? Would be interested to see some info on attaining CFP once completed CII APFS/FPFS. Thank you!
  • https://www.cii.co.uk/learning/qualifications/assessment-information/on-screen-written-exams-by-remote-invigilation/exam-rules/ Hopefully section 11 on here might answer some of your questions.
  • I would send them a message on live chat, I've had this issue before. Over live chat they fixed whatever was wrong with the order their end and I received the digital content later that day.
  • @SA96 Thank you for the reply, much appreciated
  • So in this case either surviving spouse would inherit everything under intestacy, as the remaining estate value (once the jointly owned property automatically passes to spouse), is below £275k (either £200k or £150k), and children would get nothing.…
  • https://www.citizensadvice.org.uk/family/death-and-wills/who-can-inherit-if-there-is-no-will-the-rules-of-intestacy Jointly-owned property Couples may jointly own their home. There are two different ways of jointly owning a home. These are benef…
  • sorry for late reply, www.moneydr.co.uk specialise in NHS Pensions and LTA/AA queries
  • Hi, I sat the R06 exam earlier this week so perhaps take my words with a pinch of salt as I haven't gotten the results back yet! I bought the case study analysis from BTS which I thought was very helpful and walked me through the case studies …
  • With this does the prot ret age of 55 only apply to funds accumulated before Apr 2023? so would any additional contributions after this be ring fenced to the normal min pension age?
  • I used the knowledge checker from CII for R05 and felt like this was good exam practice for this module, I didn't find the knowledge checker as useful for the other R0 exams I have done so far. I know a lot of people will suggest the BTS material…
  • I passed R03 1st time on Thursday. Thanks for your help👍🏼