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.

The Lifetime Allowance brings plenty of challenges

Describe the challenges around the lifetime allowance
Describe what happens when the lifetime allowance is breached
List the ways to mitigate the breach of the lifetime allowance

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.

Guide to handling insistent clients

Describe what an insistent client is and what is driving the rise in them.
List what the FCA says about insistent clients.
Identify the risks these clients pose in relation to DB transfers and how advisers can protect themselves.

Defined Benefit

The changing role of DB pensions

List the reasons DB pensions are disappearing from the private sector.
Identify what is behind the trend for transfers and the risks this has created.
Describe whether this will drive new products in the market.

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.

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

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.

Defined Benefit

What you need to know about DB superfunds

Identify the role of consolidators in the market.
List the features of the regulatory framework.
Describe how much appetite there is for the new schemes and why.

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.

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

Inheritance Tax

How to navigate inheritance tax with clients

List some of the main technical issues that advisers face in dealing with inheritance tax.
Describe when RNRB applies and reducing the value of an estate.
Identify how charitable bequests work and the complexities around BPR and CGT.

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.

Equity release mortgages have a lot to offer

Describe the evolution of lifetime mortgages
Describe how retirement interest only mortgages work
List the key points about taking a mortgage in retirement

Managing doctors' annual allowance

Describe how the tapered annual allowance works
List the effects on doctors
Describe how doctors can mitigate the tax charge

Guide to Family Financial Planning

Describe some of the challenges involved in family financial plannning
Describe the ways in which families can plan their intergenerational wealth transfers
Describe the uses of trusts in family financial planning

Master trusts have to shape up

Describe how master trusts have to conform to new rules
List what master trusts have to submit
Describe the charges that auto-enrolment schemes can make

Guide to Sipps

Describe the advantage of Sipps
Describe the difference between standard and non-standard assets
List the factors for selecting a Sipp

Defined Benefit

Could FCA’s letter spark a mass exodus?

Learn about how firms have reacted to the FCA's Dear CEO letter
Gain an understanding of current developments in the DB transfer space
Learn about the challenges the industry faces with DB transfers