CPD

All CPD content

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

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.

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

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

How to be a financial adviser in a changing political landscape

To learn more about how to meet the challenges of being a financial adviser
To understand the impact of Brexit
To see the importance of the FCA Register

What you need to know about the annual allowance

Describe the basics of the annual allowance and recent changes to pensions tax relief.
Identify what carry forward is and how it affects the annual allowance.
List what impact the MPAA and tapered annual allowance has for advisers' clients.

Pension Freedom

Getting the withdrawal profile right for clients in decumulation

Identify inappropriate and appropriate investments for decumulation.
Design and document a retirement centralised investment proposition.
Describe and document a client withdrawal profile.

US citizens need to sort out their tax affairs

Learn about the US tax system
To describe what needs to be done in the run-up to tax year-end in the US
To take on board the correlations between US tax and UK tax

The growing importance of advice on long-term care

Describe why the number of people living for longer is set to increase and the care available to them.
Identify what to check with a client or relative who has immediate care needs.
List the options clients have to be able to meet care costs and how to communicate these to them.

What the Budget delivered for your clients

Identify what were the biggest announcements in the Budget related to pensions, tax and housing.
Describe what announcements advisers would like to have seen the chancellor make.
List what changes delivered by the chancellor will have the most impact on advisers' clients.

What can be done to end the gender pensions gap?

Learn about what steps are being taken to address the gender pensions gap
Understand what the problems are
Grasp the relationship between the gender pay gap and the gender pensions gap

Automatic enrolment

How will 2019 hikes affect opt-out levels?

Understand how employers are positioned to cope with next year's contribution hike
Learn about AE providers are faring
Grasp the challenges facing the inclusion of self-employed workers

Building a decumulation investment strategy for clients

Be able to describe a “liability relative” approach to investing.
Identify the different implementation approaches to liability-relative investing.
List the “hybrid strategies” which incorporate annuities and/or insurance into a portfolio.

How a drawdown-annuity blend offers the best of both worlds

Be able to describe the outlook for the annuity market.
Identify some of the advantages of using a drawdown policy for clients.
List the tools and apps to help clients avoid running out of money in retirement.

Small Self Administered Scheme

How the Ssas market has evolved

Be able to describe how the small self-administered schemes market has evolved.
Identify the four different types of Ssas propositions.
List the issues around Ssas for advisers to consider.