CPD

All CPD content

DB transfers: when to go ahead

Identify the significance of suitability requirements when assessing for DB transfers
Describe when you should and shouldn't make a transfer
Identify the importance of capacity for loss in DB transfers

Investing in your child’s future

Describe the different ways a parent can open an account for their child
Describe some of the advantages and disadvantages of a Jisa
Identify how an investment account can be opened for a child

How to split the pension on divorce

Identify the challenges of splitting pension under divorce proceedings
Describe the different ways pensions can be treated in the financial settlement
Highlight some of the pitfalls to be avoided in this process

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

Have you got your centralised retirement proposition?

Identify the differences between Centralised Retirement Proposition and Centralised Investment Proposition
Describe what ability to bear loss means
Describe some of the risks you have to take account of with centralised retirement propositions

Inheritance Tax

Guide to intergenerational planning (part II)

Describe the level of nil rate bands
Identify some of the challenges of passing on wealth through the generations
Describe ways of using pension and other wealth for descendents

New horizons for financial advice

Understand how advice is changing
Learn about the effect of new techologies
Gain an understanding of the challenges

How to advise divorcing clients

Describe the different pension sharing options available to divorcing clients
Identify the tax risks and common issues faced when sharing pensions, property and other assets
Describe the key elements of divorce law to be able to communicate these to married clients.

New changes to doctors pensions

Describe the challenges posed by the tapered annual allowance for doctors
Describe how the new flexibility proposed could work
Identify the ways to go forward for NHS professionals

Defined Benefit

Contingent charging ban could negatively effect consumers

Identify the potential advice consequences of banning contingent charging
List the exceptions from the ban on contingent charging
Describe potential commercial consequences of the proposed ban on contingent charging

Harnessing the power of the human touch

Understand how behavioural science can be used in the advice process
Learn about the methods being introduced
Gain an understanding of how it could form part of the qualification syllabus

Advising clients in bereavement

List why there is a wellbeing gap among those aged above 60.
Describe the grant of probate process.
Identify how much a funeral costs and what you can do to help bereaved clients.

How to help clients plan for retirement

Describe how an adviser should treat a client 20 years away from retirement
List the most important investments a client should have in this age bracket
Describe the big questions a client needs to ask herself as she considers retirement

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