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"Sometimes there is nothing worse than trying to study and the words just don't make sense - that's why I've found the study CD's so useful from Patterson Audio - especially when in the car or when I need to be learning in another way" Peter Brookes, Training Manager, The co-operative Independent Financial Advisers

“Thank you for your help and assistance which enabled me to pass my J04 examination in September 2009. Having failed on two previous occasions I was determined to make it third time lucky. With the assistance of the audio CD I was able to study in a time to suit me (i.e. driving to and from work). The course was set out in easy to listen to /bite size chunks which made covering what is a horrible syllabus much easier. I really feel that the CD course was the difference in me passing.” Phil O'Connor, Director, Whitewell Financial Planning Limited

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The J04 Audio Programme.

The key areas of each module is shown below.


Module 1 (15 minutes) J04 and Exam technique	Structure of the Diploma exam \| exam preparation \| 6 golden rules in the exam
Module 2 (8 minutes) AF3 and the Advanced Diploma	Structure of the Advanced Diploma exam \| J04 and J05 \| tips on how to approach Advanced Diploma exams
Module 3 (44 minutes) HMRC regime Part 1	Registration procedures \| eligibility for tax relief \| pension input period/amount \| annual allowance \| lifetime allowance \| pension commencement lump sums \| minimum pension age \| benefit crystallisation events

Module 4 (26 minutes) HMRC regime Part 2	Pre-crystallisation death benefits \| investment restrictions \| tax sanctions \| reporting requirements
Module 5 (22 minutes) HMRC regime Part 3	Primary protection \| enhanced protection \| protecting higher tax free cash entitlement \| fixed protection \| applying for protection
Module 6 (18 minutes) Defined contribution pension schemes	Contribution structures \| benefits: death, ill health and early retirement \| investment strategies \| statutory money purchase illustrations

Module 7 (22 minutes) Defined benefit pension schemes	Defined benefit scheme structures \| topping-up benefits \| variations: defined cash, career average, hybrid and integrated schemes \| calculating scheme liabilities (ongoing, ISA19, insolvency) \| trustees/employers options for rectifying a deficit
Module 8 (28 minutes) State pensions	NI contributions \| basic state pensions \| BR19 \| deferral options \| S2P \| graduated pensions \| SERPS \| pension credit \| Pensions Act 2007
Module 9 (23 minutes) The legal framework for pensions	Pension Acts \| regulation of pensions \| pension protection fund, fraud compensation fund and financial assistance scheme \| stakeholder pension provision \| types and duties of trustees \| EU law

Module 10 (29 minutes) Early leavers and transfers	Rights and options of early leavers \| revaluation of deferred benefits \| principles of transfer value calculations \| transfer value analysis system \| critical yields \| transfer club
Module 11 (26 minutes) Key pension accumulation issues	Assessing pension contributions \| salary sacrifice \| pension versus non pension vehicles \| SIPPS \| personal accounts \| pensions and divorce (offsetting, earmarking, sharing) \| changes to state pensions
Module 12 (21 minutes) Crammer module	The summaries from the previous modules