CPD

All CPD content

Guide to advising clients with mental ill health

To understand what the FCA's work on vulnerability means for clients with mental ill health.
To be able to hold difficult conversations with client.
To be able to research the market to get the best outcome for clients.

Why a client in drawdown may want to transfer

Describe some of the factors affecting clients in drawdown
Identify reasons why a client may want to transfer
Explain some fears about drawdown

The Staveley pensions case has posed interesting legal challenges

Describe some of the challenges around the Staveley cse
Describe HMRC's attitude to the case
identify why there was controversy

Retirement Income

What the FCA's rules on investment pathways mean for clients

Identify key points in FCA retirement outcomes review paper
Explain what the standardised objectives are
Explain what the implications are for advisers

Can govt solve the net pay vs relief at source dilemma?

Explain how relief at source system works
Explain how net pay tax relief system works
Identify the key issues surrounding the government's proposals

Guide to managing longevity risk

To ascertain the effects of longevity risk on a portfolio
To be able to explain to clients the different ways of structuring a portfolio
To understand what sequencing risk means for a pension portfolio

The importance of multi-asset investing for pension planning

To understand various multi-asset strategies in decumulation
To be able to explain different investment approaches
To be able to assess how to construct tailored multi-asset portfolios for pensions

Inheritance Tax

Reclaiming IHT in wake of coronavirus market impact

Explain how IHT share loss relief works
Explain how to claim the relief
Identify the ways in which the relief claim impacts the nil rate band

The various ways former spouses can lose access to a pension

Describe some of the issues relating to separating couples or widows/widowers over pensions
Identify the procedures an individual must go through, when assessing their circumstances
Describe an advantage cohabitees have regarding pensions

How to manage sequence of returns risk

Describe some of the challenges around sequence of returns risk
Describe a straightforward way to mitigate that
Explain the advantages of dynamic spending

Property a pension scheme may or may not invest in

Explain why pension schemes might want to buy property
Identify which types of property are available for a pension fund to invest in
Describe how a pension scheme can get involved with residential property

Guide to later life planning

Describe some of the fundamental points about planning for later life
Explain what lifestyling is
Identify the usefulness of buying an annuity

Inheritance Tax

How to navigate proposed IHT changes post-Covid

Identify available tax exemptions and reliefs
Explain how to efficiently use trusts
Explain how to insure against liability

Beware unauthorised pension payments

Identify what an unauthorised payment is
Explain how the tax charges work
Identify who is liable for tax charges

Guide to later life lending

Describe the importance of later life lending
Identify who it would suit
Explain some features of some of the products

What the new DB transfer rules mean for the advice industry

Describe the impact of contingent charging rules on members seeking transfer requests
Identify reasons for giving advice to DB transfer clients
Describe how an adviser can avoid conflicts of interest over advice

Guide to advice after the pandemic

Describe some of the impact that the pandemic has had on advisers' working lives
Explain how it has affected client portfolios and behaviour
Describe steps to change advisers' working practices

How hybrid solutions fit into the retirement universe

Describe some of the options available to advisers for retirement income
Explain the pros and cons
Identify some of the impact of pension freedoms

How to borrow from one's pension

Outline the pitfalls of a member taking a loan from a Sipp
Describe the conditions for a loan from a Ssas to a sponsoring employer
Describe the challenges associated with repaying a loan

How the worlds of sport and pensions collide

Describe the situation with footballers and their pensions
Explain how protected ages and pensions work
Describe some of the unusual investments you can put into a Sipp and Ssas