I think the critique by OfQual is too harsh against the CII’s exams. Most Independent Financial Advisors have found the Level Four set of exam quite challenging and I am confident they will result in a significant improvement in the academic knowledge of the industry. There is of course no substitute for being Chartered! rnrnThe article which inspired this blog is http://www.moneymarketing.co.uk/adviser-news/cii-defends-level-four-qualification-after-ofqual-criticism/1052030.articlernThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn