CPD

All CPD content

What are the biggest risks for clients in 2019?

Describe what to expect from financial markets in 2019.
Identify the impact of Brexit on sterling and for asset allocation in client portfolios.
List the reasons why some are predicting a recession and the asset classes expected to perform well next year.

What you need to know about the annual allowance

Describe the basics of the annual allowance and recent changes to pensions tax relief.
Identify what carry forward is and how it affects the annual allowance.
List what impact the MPAA and tapered annual allowance has for advisers' clients.

Pension Freedom

Getting the withdrawal profile right for clients in decumulation

Identify inappropriate and appropriate investments for decumulation.
Design and document a retirement centralised investment proposition.
Describe and document a client withdrawal profile.

Guide to accident, sickness and unemployment insurance

To learn what ASU is and for whom it might be suitable.
To be able to list the pros and cons of ASU compared with income protection.
To be able to explain ways to protect clients in the event of forced redundancy.

Gamechangers of the protection industry

Describe the impact some gamechangers have had on the protection industry
Understand the potential effect of future gamechangers
List the way forward for the protection industry

US citizens need to sort out their tax affairs

Learn about the US tax system
To describe what needs to be done in the run-up to tax year-end in the US
To take on board the correlations between US tax and UK tax

Fintech is the future - along with traditional advice

Describe what fintech is
Articulate why fintech might be a threat to financial advisers
Describe how financial advice might be able to work with robo-advisers and other fintech

Income Protection

Guide to the background to protection planning

Describe what types of financial shocks income protection can cover.
Identify how state benefits and IP interact and how advisers can help clients understand the IP claims process.
List how the income protection market might develop over the next few years, including whether it will consolidate.

Sustainable Investing

Climate change will have an impact on all retail investors

To understand some of the risks associated with climate change as an investor
To learn about the impact one can have as a retail investor
To describe ways in which retail investors can access ESG markets

The growing importance of advice on long-term care

Describe why the number of people living for longer is set to increase and the care available to them.
Identify what to check with a client or relative who has immediate care needs.
List the options clients have to be able to meet care costs and how to communicate these to them.

Changes for financial advisers under SMCR

Identify the types of firms affected by SMCR
Describe the new financial services directory
Identify the importance of the new functions under SMCR

What the Budget delivered for your clients

Identify what were the biggest announcements in the Budget related to pensions, tax and housing.
Describe what announcements advisers would like to have seen the chancellor make.
List what changes delivered by the chancellor will have the most impact on advisers' clients.

What can be done to end the gender pensions gap?

Learn about what steps are being taken to address the gender pensions gap
Understand what the problems are
Grasp the relationship between the gender pay gap and the gender pensions gap

Automatic enrolment

How will 2019 hikes affect opt-out levels?

Understand how employers are positioned to cope with next year's contribution hike
Learn about AE providers are faring
Grasp the challenges facing the inclusion of self-employed workers

Getting to grips with the residence nil rate band

List the key definitions, dates and thresholds for the residence nil-rate band.
Identify what are the 'traps' to watch out for in estate planning strategies.
Describe the common scenarios advisers may encounter with their clients when dealing with RNRB.

Income Protection

Guide to the changing face of income protection

Describe how sales of income protection differ from other types of protection and why this is.
Identify which initiatives have raised awareness of IP and how these have helped advisers start protection conversations.
List how income protection has adapted to meet the needs of growing numbers of self-employed.

Inheritance Tax

Financial planning for later life care provision

Describe what options for solving the later life care crisis have been suggested.
Identify what clients want from their later years and how much money they will need to achieve that.
List what clients need to know about saving for care, paying IHT and what flexible options there are.

First-time Buyer

What advisers need to know about Generation Rent and protection

Identify the changes in the BTL market which were intended to help first-time buyers.
Describe what impact fewer homeowners means for protection needs and advisers who sell protection.
List why tenants or Generation Rent represent a potential income for advisers as clients.

Building a decumulation investment strategy for clients

Be able to describe a “liability relative” approach to investing.
Identify the different implementation approaches to liability-relative investing.
List the “hybrid strategies” which incorporate annuities and/or insurance into a portfolio.

Emerging Markets

Guide to investing in Latin America

Be able to list what the long-term opportunities are for investing in the region.
Identify how Latin American equities have performed recently and over the longer term.
List the reasons Latin American bonds have outperformed and what political changes the region might face.