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

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

Just wondering how anyone who sat r06 yesterday felt the exam went?

It felt to me like there were a large amount of 'explain' questions... I managed to finish the exam with 1 minute to spare on the timer, probably rushed the last couple of questions as a result. Bit 50/50 on what the result will be!

Hope it went well for everyone and good luck to you all come 30th May results day.

Nathan

The case studies have landed - wahoo! Welcome to Robin and Kerry, Samir and Lydia :-)

I have attached the case studies to this post and BTS has already started working on getting to know our clients for the next couple of weeks. We'll keep you posted with our progress and we encourage you to comment in here on your thoughts on the case studies. Let's work together.

Best wishes,

Natalie - BTS

In the section regarding Top Slicing, the BTS guide provides a 5 step process for completing a Top Slicing calculation.

In Step 1 they mention that pension contributions can be used to extend the BR bands, but not gift aid.

In the following example (11.5) they used both pension contributions and gift aid to expand the individual's basic rate band, in contradiction with their step by step guide? 

Can anyone confirm if I'm reading this correctly