CPD

All CPD content

How clients can take pension benefits early due to ill health

Identify when and how clients can take their pension benefits early due to ill health
Outline the conditions needed to pay out a serious ill-health lump sum
Describe how the benefits are taxed

What is happening to UFPLS KFIs?

Describe what is happening to KFIs for UFPLS in April
Describe to differences that will take place in April
Describe what challenges this presents to advisers

How should graduates start on their finances?

Describe the financial predicament of recent graduates
Identify certain ways graduates can help themselves when seeking information
Describe the tax advantages low earners have

Does your client need a RIO mortgage?

Define what a retirement interest-only mortgage is
Describe who a RIO mortgage is suitable for
Outline some of the factors one has to take into account with a RIO mortgage

How to sell protection policies

Identify reasons for selling different types of protection policies
Describe why advisers might sell a policy in trust
Describe the importance of scalability with mass affluent clients

How to use cashflow modelling under the product rules

Describe what the prod rules expect of financial advisers
Describe what capacity for loss actually means, and how cashflow tools help
Identify how cashflow tools can help with charges

How to advise on workplace pensions

Identify the exclusions that can be placed on workplace saving
Describe how employers should treat the 8 per cent contribution rate
Identify what the default charge is for a workplace pension

Inheritance Tax

Safeguard the children's inheritance

Identify how the nil rate and residence nil rate band work
Describe how pensions can be used in IHT planning
Describe how business relief works

How clients needing care can get financial help

Identify the ways in which elderly or disabled persons can get state funding
Identify the different types of state benefits
Describe the benefits of NHS continuing healthcare

Understanding how death benefits work

Identify the ways in which pension benefits can be paid
Identify the different types of lump sum death benefits
Explain how death benefits are tested against the lifetime allowance

How to hold business premises in a Sipp

Describe how buying a property with one's Sipp works
Identify how one gets insurance for the property
Describe some of the risks associated with buying a property with a Sipp

FCA's plan to shake up non-workplace pensions market

Describe the context behind the FCA's non-workplace pensions review
Identify the main findings from the FCA review
Identify the implications for advisers

Treating vulnerable clients fairly is ‘responsibility of all’

Identify key points in FCA guidance on treatment of vulnerable customers
Identify challenges around definition of vulnerable customer
Describe ways in which firms can help vulnerable customers

Is your client caught by the lifetime allowance?

Describe how the lifetime allowance works
Describe what happens with a benefit crystallisation event
Identify alternatives to hitting the lifetime allowance

What if Boris were a trustee?

Describe the limits of the powers of trustees
Identify what powers the courts have over trustees
Describe how the courts can get rid of trustees

How a mix of products can help in one's retirement planning

Describe how annuities can be helpful
Describe the importance of holistic financial planning
Describe how fixed term annuities work

How are pensions protected in a bankruptcy?

Describe the legislative position with regard to pensions and bankruptcy
Outline the case law that has affected this position over time
Explain the ways that pension funds can be claimed by a trustee in bankruptcy

How master trusts are regulated

Describe some of the bases on which master trusts will be assessed
Describe what happens to a master trust if it does not get authorisation
Identify what is needed to demonstrate financial competence

Guide to advice and guidance

Identify the key differences between advice and guidance
Describe the FCA's proposed changes for DB transfers
Identify how technology can help to bridge the advice gap

Guide to boosting retirement income

Describe different ways a client can boost their retirement income
Identify how clients can use different products
Describe some of the risks associated with these products