Financial Planning & Wealth

CII R06 Financial Planning Practice Exam Preparation

Apply the financial planning process to client cases, type structured answers and justify recommendations for the three-hour CII R06 written assessment.

2 compulsory written questions Detailed Study Notes Written-answer focused revision

Try a written R06 answer

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R06 is a written exam — train for it here

This practice paper contains 2 compulsory written questions.

Write your own answers, manage 150 available marks within the published 3-hour time limit, and receive criteria-based practice feedback after submission.

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Responses: 2 compulsory written questions
Marks: 150 available marks
Time: 3 hours exam-conditions option
Selection: All questions in this practice paper required
Feedback: Written-answer criteria after submission

Course syllabus information reviewed for 2026. Exams Academy is an independent education provider and is not affiliated with the CII.

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Type your answer. See which marking points you covered.

Try one 12-mark R06 written question. After you submit, you’ll receive a clear breakdown of the points your answer covered and what to improve.

Question (a)

Identify12 marks

ScenarioAmira, 34, and Ben, 36, have children aged three and six. Their combined take-home pay is £5,200 a month and essential household expenditure is £4,100 a month, including mortgage payments. Cash is £9,000. A £245,000 repayment mortgage has twenty-two years remaining. Amira receives three months' full sick pay; Ben has no employer sick pay. Amira's death-in-service cover ends if she leaves her job. Their only personal life policy pays £18,000 a year for ten more years. For this calculation assume it pays on the death of either parent and that the family needs a further £32,000 net a year for nineteen years after allowing for surviving earnings and other resources, but before replacement childcare costs. They would like to save for university but have not agreed an amount or date. Ben has become anxious after a friend's serious illness and finds long forms difficult. Neither has reviewed their wills since the children were born.

Identify six additional items needed to complete the family fact-find, giving a case-specific reason for each. Cover one distinct response in each area: income/employment; existing personal protection; dependency and care; mortgage; education objectives; communication/support. Identify a specific point within each area; repeating a topic label alone earns no credit.

12 marks available. Use the mark allocation to judge how much relevant detail to include.

Your answer

Enter at least 10 characters. Do not enter real client or personal information.0 / 6,000

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Syllabus

Module 1: Client information, objectives and risk profile

Establish the relationship, needs, priorities, vulnerability and understandable risk profile.

• 1.1 Relationship
• 1.2 Objectives and vulnerability
• 1.3 Financial risks
• 1.4 Risk profile

Module 2: Synthesise client information

Identify gaps and obtain relevant additional information.

• 2.1 Gaps and subjective factors
• 2.2 Additional information

Module 3: Analyse the client's situation and options

Quantify the current position, weaknesses and alternative solutions.

• 3.1 Analysis
• 3.2 Provision gaps
• 3.3 Advantages and disadvantages

Module 4: Formulate and justify suitable plans

Recommend appropriate action and explain reasons, risks and limitations.

• 4.1 Suitable plan
• 4.2 Justification
• 4.3 Risks and limitations

Module 5: Implement, review and maintain

Coordinate actions and adapt the plan using appropriate review triggers and benchmarks.

• 5.1 Implementation
• 5.2 Review and adaptation

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Interactive preview

Free CII R06: Financial Planning Practice Knowledge Drills

Try 15 optional knowledge drills from Learning Outcome 1

The official assessment requires written answers rather than selecting from answer choices. These optional drills help you strengthen course knowledge before practising the written paper.

Knowledge Drills

Learning Outcome 1

Drill 1 of 15

A response must explain where implementation sits in the six-step planning process. Which sequence is sound?

1 / 15

Flashcards

Card 1 of 10Chapter 1

Question

What should be agreed before substantive planning begins?

Tap to reveal answer

Focus Learn

Key Knowledge Areas7

[1.1] ISO stages and agreed terms
[1.1] BS 8577 and Consumer Duty
[1.1] Independent, restricted, limited and execution-only services
[1.2] SMART and must/want now/later priorities
[1.2] Partners' aims and values
[1.2] Vulnerability drivers and appropriate support
[1.1] Competence, records, referrals and ongoing-service value

Knowledge Gaps to Review5

Exam Traps4

Key Numbers5

Chapter 1: Establish client objectives, needs and priorities

Begin with the relationship

Financial planning connects a client's resources with their aims and the risks that could prevent those aims being met. Establish what work is being commissioned before collecting information or selecting investments. Explain the firm's regulatory and advice status, the scope and limits of the service, initial and ongoing costs, conflicts, confidentiality and the review service. The client needs to understand what the adviser will do and what the agreement excludes. A signed form is evidence of an agreement; it does not establish that the client understood it.

ISO 22222 describes six linked stages: establish and define the relationship; gather data and determine goals and expectations; analyse and evaluate financial status; develop and present the plan; imp…

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Open every chapter’s key areas, pitfalls, exam traps and key numbers.

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Practice modes

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Learn with feedback, then switch to exam conditions.

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Instant feedback & explanations

See the answer and explanation after each choice.

Practice Mode

Timed answer-planning practice

Use the timer, keep answers hidden, then review your result.

Preparation Package at a Glance

Feature	Exams Academy	Details
Access Period	Lifetime Access	One-time enrollment with no recurring fee
Answer-Planning Practice	Unlimited Retakes
Study Support	Instant 24/7 AI Tutor	Self-service AI support; live instructor support is not included
Cost	$151 (One-Time)	One-time payment with no recurring subscription

Frequently Asked Questions

R06 has two case studies with short written answers. The paper lasts 180 minutes, carries 150 marks and has a standard pass reference of 55%. CII releases cases two weeks before the sitting.

Five independently authored guided papers, each with two cases and 150 marks. Topic areas define the scope; you type your own answers. The 75/75 case split is an authored practice choice. Feedback is a practice estimate, not an official CII grade.

No. The 140 selected-response questions across five sets support decisions and answer structure. Their 45-minute clock and 70% mastery target are practice settings; the official R06 examination requires written answers.

Twenty worked applications cover time value, education payments, gearing, different inflation rates, cash flow, protection gaps, income tax and NICs, CGT, estate bands and retirement needs. Each supplies inputs, steps, result and limitations.

The official unit lists 100 notional study hours and 30 CII credits at Level 4. Your needs depend on prior technical knowledge and written practice.

This is independent preparation organised around the R06 syllabus and retained study sources. It is not an official CII examination or familiarisation test.

R06 is assessed in writing. This original practice paper provides 180 minutes and 150 practice marks, with 2 compulsory written questions. These practice counts do not establish the official paper structure. Marking guidance stays hidden until submission. Try the free written-answer preview.

Key Benefits

Written Case-Study Practice

Work through five original two-case papers and explain your recommendations in your own words.

✓ Typed short answers and calculations.
✓ 180-minute exam-conditions or untimed practice.
✓ Guided topic areas and transparent practice estimates.

Planning Methods & Worked Calculations

Use 166 reference entries, including 20 complete worked applications and a matching Formula Bank.

✓ Inputs, method, answer, assumptions and traps.
✓ Cash flow, education, protection, tax and retirement.
✓ A representative formula and full worked application in the free demo.

Chapter Notes and Active Recall

Study seven chapters and retrieve key distinctions with 132 flashcards.

✓ Client objectives, risk and information.
✓ Analysis, recommendations, implementation and review.
✓ Current figures with conditions and date boundaries.

Source-Grounded Tutor

Explore planning methods and calculations against the course material.

✓ Ask why an option fits a client's facts.
✓ Distinguish assumptions from guaranteed outcomes.
✓ Supporting answer-planning drills with explanations.

Exam Format & Details

Assessment	Two written case studies with short-answer questions; 150 marks
Duration	180 Minutes
Standard Pass Mark	Standard 55% pass reference on the written paper. Platform feedback is a practice estimate, not an official grade.
Level	CII Level 4
Recommended Study Time	100 hours
CII Credits	30

Practise applying the financial planning process

R06 combines regulation, investment, tax, pensions and protection knowledge in client-specific written answers. Preparation needs more than recognising a rule: identify missing facts, quantify weaknesses, compare options and explain why an action suits the client.

Study the seven chapters in their official order, then use 132 flashcards and 166 reference entries to retrieve methods and close distinctions. Twenty worked applications show formulas, supplied inputs, ordered steps, answers and limitations, including education funding, gearing, tax, estate bands and retirement cash flow.

Write, explain and review

Five original guided papers each contain two client cases, 150 marks and a three-hour exam-conditions option. Topic areas define the response scope while you supply the facts, analysis, recommendations and reasons. The authored 75/75 case allocation is a practice design, not a fixed official split. Type answers, flag parts and review your work; source-backed criterion feedback gives practice estimates rather than official CII grades.

The separate five answer-planning sets provide 140 selected-response questions with explanations. These shorter drills develop decisions and response structure. Their 45-minute clock and 70% mastery target differ from the official written examination and do not reproduce or grade it.

The official R06 assessment comprises two case studies with short-answer questions, 180 minutes and 150 marks, with a standard pass reference of 55%. CII releases its cases two weeks before the sitting. Use the official preparation materials alongside this independent course.

Who Is This For?

✓ Candidates taking CII R06

✓ Diploma in Regulated Financial Planning candidates

✓ Financial advisers and paraplanners developing written case analysis

Preparation centre

Use these connected guides for the syllabus, exam format, booking and revision strategy.

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Study plan

CII R06 Revision: Turn Client Facts into Written Answers

Prepare for CII R06 written case studies with a practical method for organising client facts, checking calculations and explaining suitable recommendations.

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