CPD

All CPD content

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.

Guide to key Budget announcements

Be able to identify the economic announcements from the Budget and how the Chancellor has prepared for Brexit.
Describe what pension reforms were delivered by the Chancellor in the Budget around patient capital investment.
List the four key residential housing market policies from the Budget.

Getting the pensions conversation right

Understand the cash flow modelling exercise financial planners might use to create a retirement plan with clients.
Consider how to help clients minimise the risk of running out of money in retirement.
Grasp how to make pensions for compelling for millennial clients.

Defined Benefit

How to advise clients on DB transfers

Understand what the FCA has issued on pension transfer advice and who is eligible to give advice.
Learn what to do with self investors and the distinction between the two risk types.
Grasp what there is to know about TVAS, TVC and Apta, and charging for advice.

What you need to know about the Budget 2018

To understand what the economic impacts of the Budget could be.
To list the various tax changes implemented in the latest Budget.
To understand what the main implications are for mortgages and investment.

Retirement Income

Guide to retirement income and planning

Learn what clients' retirement income needs look like and the different savings vehicles available to them.
Understand what options there are for those who want an income in retirement post-pension freedoms.
Grasp how to deal with vulnerable clients.

Inheritance Tax

How to navigate inheritance tax and pensions with clients

Learn in which instances pensions are subject to inheritance tax and why.
Consider what happens when clients want to transfer their DB pensions to a DC arrangement.
Understand how to help clients in these situations.

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.