RO4 (Pensions & Retirement Planning) - Online Exam Training

Friday, 06 August 2021 – Monday, 09 August 2021
9:00 am – 4:30 pm
    • Luiza Todd, Course Trainer, Bespoke Training Solutions


Day One

• LO2 Pension simplification

o Tax relievable contributions

o Methods of tax relief

o Employer contributions

o Annual allowance, carry forward, tapering & the MPAA

o Lifetime allowance and BCEs

o Transitional protection

o Death pre-retirement

• L04 Defined benefit (DB) schemes

o Types of DB scheme

o Scheme funding

o Benefits at retirement

o Death pre-retirement

Day Two

• L06 Pension freedoms/options at retirement

o Pension freedom options:

o Scheme pension, lifetime annuity, drawdown pension and UFPLS

o Phasing retirement

o Death in retirement

• L07 State pensions

o Old state pension rules

o Single tier state pension

o Deferment

o Escalation

o DWP benefits in retirement

About the Trainer

Luiza is a Director and co-founder of Bespoke Training Solutions (BTS). BTS were established over 17 years ago and are specialists in regulated training support.

BTS have worked with and supported many Academies and candidates over these years and, as a result, their level of technical expertise in this arena is extensive

Luiza is a highly experienced level 4 facilitator with 35 years + industry experience.

She has facilitated, designed and trained many Level 4 and 6 support materials and workshops.

Luiza sits the R0 exams every year to ensure that both her technical knowledge and experience of what the exams are actually like in practice remains outstanding.

Please note: This event is a regional collaboration between the local institutes in the area. Your booking details will be shared with the Insurance Institute of Sheffield, which is acting as the host institute for this event.

CII Accredited

This demonstrates the quality of an event and that it meets CII member CPD scheme requirements.

7 3/4 hours' CPD can be claimed for this event if relevant to your learning and development needs.

It is recommended that you keep any evidence of the CPD activity you have completed and upload copies to the recording tool as the CII may ask to see this if your record is selected for review. Details of the scheme can be viewed online at