CPD

All CPD content

Role of advice as debt levels among retirees rise

List the drivers behind rising debt levels among the over-55s.
Describe what the later life lending market can do to meet demand among consumers.
Identify the role advisers play in offering holistic financial planning.

Income Protection

Understanding gender, disability and the protection gap

Describe the challenges disabled women face in the workplace.
List what can be done to address this problem in the group insurance market.
Identify what other help is available to support disabled women back into work.

Inheritance Tax

How can advisers close the wealth transfer generation gap?

Identify why intergenerational communication is key.
Describe the role of the adviser when it comes to wealth transfer.
List the possible solutions when advising on transferring wealth between generations.

Waking up to wake-up pack requirements

Describe the history of the open market option.
List the Retirement Outcome Review changes.
Identify the impact this will have on advisers.

The rise of the intangible economy

Describe the changing nature of the modern economy.
Identify why companies with intangible assets are delivering higher earnings growth.
List the right investment strategy for the knowledge driven economy.

How to prepare for a bear market

Describe the background to the current bull market.
List how clients can prepare for a potential bear market when it comes.
Identify what type of companies will do well in a bear market and which to avoid.

Pension Freedom

Guide to retirement income pathways

Describe how the retirement journey has changed since pension freedoms came in.
Identify the right choices to make in accumulation and in decumulation.
List how to make sure clients in drawdown have enough cash.

Inheritance Tax

When and how clients can contest a will

List the grounds for contesting a will and why inheritance disputes are rising.
Describe what a financial provision claim is.
Identify out of court dispute resolutions and how claims can be prevented.

What you need to know about ESG investing

List the economic and social drivers behind growing demand for ESG investment strategies
Understand and explain the value and risks of ESG-focused investment portfolios
Describe the complexities of ESG investing to current and prospective clients

Intergenerational wealth: Dealing with the great division of assets

Learn about the FCA's recent intergenerational differences paper
Understand how advisers can serve the needs of different demographics
Graps the challenges for advisers providing intergenerational advice

Counting the cost of US/China trade dispute

Understand how the trade war could impact client portfolios
Learn about the role Chinese currency may play in the trade war
Gain an understanding of what steps the Fed has been taking recently

Financial Conduct Authority

What are the implications of the FCA’s business plan?

List what the FCA covers regarding Brexit, Mifid II and duty of care in its business plan.
Identify what the regulator notes around technological innovation and data ethics.
Describe what the FCA sets out about combating financial crime.

Pension Freedom

Why clients should rethink dividend income retirement plans

Identify the two events that have changed traditional approaches to retirement investing.
List the risks for retirees of living off yield.
Describe the benefits for clients of living off income and capital in retirement.

Inheritance Tax

Guide to saving your clients IHT

Describe how to use gifts and trusts.
Identify how to value the estate.
List how to mitigate IHT through different financial solutions.

Revisiting the calculations for pre-2006 pension benefits

List the conditions that must be satisfied for a protected lump sum to be paid.
Describe how the protected lump sum itself is calculated.
Identify the exceptions to the normal calculations.

Lessons to learn about the use of trusts

Identify the insight that the case gives into the Family Court’s approach towards trusts.
Describe the methods that might be used to elicit funds from that resource.
List the circumstances in which such methods might be deployed.

Guide to advising the self-employed

Describe the differences for advising between an employed and self-employed person
Describe the importance of keeping a track record of earnings over the year
List the factors providers look for in a self-employed person

Understanding the different types of power of attorney

List the three main types of power of attorney and how they differ.
Describe how the system works in Scotland and Northern Ireland.
Identify what a trustee POA is and what to do if no POA is in place.

What you need to consider when advising older clients

List how family finances have changed over the past few decades.
Describe why clients are having to manage their money for longer.
Identify what advisers need to differently to advise clients over 50.

Guide to Multi-Asset

Describe the advantages of using multi-asset funds
Describe how multi-asset funds work
List the assets multi-asset funds can invest in