CPD

All CPD content

Discretionary Management

Taking care of outsourced clients

Describe what advisers' duty of care is when outsourcing investments.
Identify how to use DFMs without ruining client-adviser relationships and what the FCA expects.
List key questions to ask those running client investments.

Defined Contribution

Testing DC pension benefits against the lifetime allowance

List the calculations involved in testing against the lifetime allowance.
Describe how the tax charge is calculated and whether there is any way of mitigating it.
Identify how pre-2006 pensions can still reduce the available lifetime allowance at age 75.

Prospects are glowing for collective defined contribution schemes

Describe how Collective Defined Contribution schemes might work
List how CDC schemes might be useful for the Royal Mail
Describe why it might raise retirement income over the longer term

Personal Pension

Guide to helping mid-lifers plan for retirement

Describe what mid-lifers need to consider when saving for retirement.
List how advisers can help mid-lifers prioritise their pension and what tools providers can offer to help.
Identify how women can ensure they are financially prepared for retirement given the pensions gap.

Defined Benefit

Partial DB transfers offer a good third way option

Describe the reason why people should do a partial transfer
List the important things to communicate to clients
Describe how the partial transfer mitigates risk for members

Inheritance Tax

How to engage with clients’ beneficiaries

List the benefits of engaging with clients’ beneficiaries as part of intergenerational planning.
Identify ways to help a client’s executors and beneficiaries during the probate process.
Describe the opportunity for taking on beneficiaries as clients.

Defined Benefit

Why specialist advice is critical for GMP equalisation

Describe the background to GMP equalisation and how schemes can get started.
List the different methods of equalisation for schemes to adopt and how they communicate the process with members.
Identify the potential pitfalls and how specialist advice can help smooth the GMP equalisation journey.

Guide to advising US expat clients

Describe the tax liabilities due when one is a US citizen
List the problems US citizen have with conventional investment funds
Describe the issues when it comes to selling property

Due diligence on P2P platforms

Describe why P2P has become more popular.
Identify the risk profile of P2P.
List how clients should use P2P.

Improving pensions for the self-employed

List the challenges faced by the self-employed in saving into a pension and the employment landscape in general.
Describe what the DWP trials are looking at in regards to self-employed pensions.
Identify possible solutions to saving for retirement among self-employed.

Guide to later life mortgages

List what types of later life mortgage products are available and how they differ.
Describe what is driving the growth of this market and why clients are demanding these products.
Identify what advisers can do to help later life mortgage clients and what they need to know about suitability and risk.

Tax Efficient Investments

Top 10 tax-efficient investing vehicles

Describe how tax relief works
Understand the differences between the different Isas
To learn about different tax efficient vehicles such as EIS and SEIS

Small Self Administered Scheme

Schemes buckle up for a bumpy ride: Ssas survey

Learn about how Ssas providers are faring
Understand the features and costs of current plans
Be able to describe the challenges facing Ssas firms

Regulation in 2019: Have advisers got the all-clear?

Learn about the regulatory challenges facing advisers
Be able to describe which areas the FCA is focusing on
Understand the new Mifid II changes

What is in store for Chinese equity investors?

Describe how the US-China trade war has impacted Chinese equities.
Identify the reasons for China's slowing economic growth and the outlook for its economy in 2019.
List the opportunities in Chinese equities for clients and how to get exposure.

Guide to how advisers are using technology

List what technology can be used for throughout the advice process.
Identify what due diligence is required to select a technology provider.
Describe how technology can help comply with regulation and what the future is for tech in advice.

Five things advice company acquirers are looking for

To learn about how to prepare one's company for sale
To understand what are the main drivers to the due diligence process
To learn about what makes a company more attractive

Exchange-traded Funds

Using ETFs to position for trade war events

Describe how the US-China trade war started and three possible scenarios that could develop.
Identify how exposed various equity indices, tracked by ETFs, are to an escalating trade war.
List which sectors and company sizes are more or less exposed to the trade war.

Personal Pension

Understanding Qrops and transfers from UK pensions

Identify what a Qrops is and the conditions that must be met by a Rops.
Describe the transfer process from a UK registered pension scheme to a Qrops.
List what five conditions are used to assess an overseas transfer charge and what needs to be known about the lifetime allowance.

Guide to with-profits

Get up to speed about the current state of the with-profits sector
Learn about the implications of asset allocation
To understand the smoothing process and allocation of bonuses