Can anyone explain to me what DWP benefits would be available to someone on this salary, that would be affected by a lower salary due to salary sacrifice?

Thanks

I'm sitting AF1 in February 2026. Does anyone know where I can find more past papers? I already have the two papers on the CII website from 2025.

Any help would be appreciated.

Thanks

2025 March ANSWERS

2022 Oct questions and answers

2022 March questions and answers

I would be grateful.

Thank you,

David

0780 893 5814

david@dendroprivatewealth.com

Just thought update you - our suggested technical revision list will shortly be going out to everyone that's attending one of our AF5 workshops next week - and let us tell you, it's a pretty mighty list!

Covering areas such as the advice process, business considerations including expansion, pensions, savings and investments, protection and some more general bits and bobs.

Here's a taster of what's on the full list:
➡️Options to fund Dean and Chloe's expansion plans
➡️Impacts of recent NI changes to businesses
➡️Mechanics / benefits and drawbacks of SIPPs / SSAS
➡️Cash vs Stocks and Shares ISAs
➡️Underwriting considerations for protection policies
➡️Options for their mortgage / impact of end of fixed rate

And the above really is just scratching the surface! Our full list will be available as part of our fact find analysis and anyone that has purchased will be able to access it as soon as we go live next week.

These forums are not always manned as they are intended to be learner-led so do please get in touch with us directly if you need to chat anything through. Our email is: enquiries@bespoketrainingsolutions.com 

Happy studying everyone - you can do this!

Natalie - BTS

What a busy morning getting to grips with the fact find - there's some pretty complex stuff in there! If you haven't already seen the fact find, I have attached to this thread. Please do chat all things September AF5 here and let's all help one another get through this beast of an exam :-)

Natalie - BTS

Understand how to calculate average acquisition cost to determine base cost of pooled shared at disposal.

However, I don’t understand the example of when shares were sold in 30 days 3.4 (Charlotte) in BTS book.

Why was the purchase of the newest shares not pooled detailing the acquisition cost? I think it’s because the transactions within 30 days were sale first, repurchase second. So, whilst the newest shares were considered to be the ones being disposed of first (even though in reality they were purchased after the sale), we had to use average acquisition cost of previously ascertained shares as the new ones technically had not been purchased. Is this correct?

If that is the case, does it work differently if the transactions within 30 days are purchase first and sale second?

Lastly, if bought and sold on the same day or sold then bought, is it that the transaction was deemed as not having happened at all?  

The case studies have landed for the July R06 exam - wahooooo!! 

Welcome to and & and . I have attached a copy of the case studies to this message 🤩 

Please feel free to use this forum to chat all things July R06. BTS will monitor this chat from time to time as well - we'll be back again later on, we have work to do!

Natalie - BTS