R04 Pensions and Retirement Planning

R04 Pensions and Retirement Planning

Exam format: 1-hour multiple choice exam
Exam Recommended Study Hours Credits
R04 50 hours 10

Achieve an R04 exam pass using the BTS STEP approach

This module will enable candidates to identify and analyse relevant pension and retirement planning considerations when they are delivering financial advice.

Don’t be fooled by the fact that R04 only has 10 credits towards your Diploma. Many BTS candidates say that they find the pensions exam harder than personal taxation or investments. One reason for this is that there are so many different pensions rules that you have to understand and apply in your exam.¬†

Start by working through the BTS R04 study guide, then access training or e-learning. Finally, practise as many exam-style questions as you can using the BTS R0 Study Buddy app.

BTS R04 Learner Journeys

Click on the profiles below to find out how our learners achieved their R04 success:


Our guides provide a clear, visual way to study for regulated exams.

They help you develop the base knowledge and understanding required for an exam pass.

There is no need to purchase the examining body R0 study text, our BTS guides are a complete replacement.

Available in a choice of two formats: printed or digital.


BTS offer face to face and remote workshops, and 1:1 training.

Our training ensures candidates fully understand the concepts that lie behind each of the key learning outcomes.

BTS training can also help identify key syllabus areas that are more popular with the R0 examiner.


BTS e-Learning is ideal for people who learn best using visual, online and interactive tools.

It allows you to work through your R0 studies at your own pace, with the BTS team behind you all the way.

BTS e-Learning can again show you the key syllabus areas that are more popular with the R0 examiner.


The BTS R0 Study Buddy app replicates the CII exam standard as closely as possible.

Practise exam questions on your mobile device with fully explained answers.

The app allows you to complete full specimen exams and/or concentrate on a key learning outcome.

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