CPD

All CPD content

How to help clients invest for accumulation and decumulation

Explain the differentiated objectives in accumulation and decumulation investing.
Understand and contrast the key risks of investing in accumulation and decumulation.
Understand and explain the key variables in analysing and evaluating the potential outcomes of a retirement investment plan.

Pension Freedom

How to help clients choose the right income fund for retirement

Learn what impact the pension freedoms have had on retirement provision.
Consider how income funds can help clients to fund their retirement and the risks that these bring.
Understand how ratings can help advisers to find the best income funds for their clients.

What you need to know about retirement interest-only mortgages

To learn about Retirement Interest Only mortgages
To understand when they are appropriate
To understand how they compare with equity release

Guide to using Target Date Funds

To learn how Target Date Funds work
To understand how Target Date Funds differ from Lifestyling
To learn how Target Date Funds can be used

Back in focus: The FCA's 'competition' priorities

Understand the rationale taken by the FCA in recent years
Learn what other approaches are available
Comprehend the arguments for and against the regulator's current approach

Making allowances? The future of pensions tax

Learn about recent developments with regard to the lifetime and annual allowances
Grasp the arguments for and against a reform of these allowances
Comprehend the factors that could influence the government's stance on the issue in future

How to avoid the pitfalls of advising on pension transfers

Consider how to build up a detailed knowledge of the rules and regulations around pension transfers.
Understand how to better engage with and know your clients and their needs.
Learn how to deliver a recommendation.

How to make sense of GMP clawback

To understand how the GMP clawback problem started.
To ascertain ways to help clients who may be hit by a letter requesting repayment.
To be able to list preventative measures to stop similar problems happening in the future.

Defined Benefit

How to ensure pension transfer clients are not hit by the LTA

Understand what is important to the client when advising pension transfer clients.
Learn about the different options available to pension transfer clients who want to avoid the LTA.
Consider what is the right way to use the 100 per cent lifetime allowance.

Why clients should avoid relying on property to fund retirement

Consider why clients are relying on property to fund their retirement.
Learn what the risks are of relying on property and cash, and why clients are averse to saving into a pension.
Understand how advisers can help clients to avoid relying on equity in the home for retirement income.

Pension Freedom

Drilling down into decumulation risks

Understand the risks of managing a pension pot in retirement.
Learn what the risks can do to a portfolio in decumulation.
Grasp what advisers can do to help clients manage decumulation in retirement.

What to know about expat Americans living in the UK

To understand some of the financial complexities US expats face when living in the UK
To learn about the treatment of savings wrappers, such as Isas and Sipps
To grasp how to approach assets being brought in from offshore

Why firms should avoid the flight of the phoenix

To understand what is driving some firms to phoenix.
To ascertain whether there is a right or wrong way to close and start again.
To understand the implications this can have for the firm, the consumer and the industry.

Guide to financial advice for later-life marriage

To understand the financial drivers behind later life marriage.
To be able to explain the financial advantages and disadvantages of marrying later in life.
To ascertain ways to help clients with complex inheritance issues.

How to protect drawdown savings in a market crash

Understand how different market scenarios can impact clients' income levels in retirement.
Consider whether diversification, cash levels and other strategies can help portfolios recover from a market crash.
Learn what advisers need to do with clients to help them through stockmarket volatility.

Financial Conduct Authority

What to know about investment risk in the early years of retirement

Learn about the relationship between risk and retirement and how that has changed with pension freedoms.
Understand why retirees tend to be risk averse and how this can be overcome.
Grasp what the FCA concluded about risk and how advisers can incorporate this into the advice process.

How ex-pats could still be hit by a HMRC tax bill

Understand the complexities of a client's tax position if leaving the UK
To appreciate the siginificance of one's tax liabilities despite being resident abroad
To learn about the importance of domicile

Pitfalls and merits of paying out on DC scheme death benefits

Learn about the changes to DC scheme death benefits that have been introduced since pension freedoms
Find out about what different beneficiaries are entitled to
Understand why it is important to keep expression of wishes up to date

Life companies: Changing their tune

Grasp the challenges facing life companies
Understanding how their business models are changing
Learn about why life companies are selling legacy books

How to help clients create a lasting power of attorney

Learn how attorneys are appointed in England and Wales and why they are important.
Understand what LPAs allow clients to achieve and the role of a health and welfare LPA.
Consider how to broach the issue with clients and some tips for advisers.