CPD

All CPD content

Income Protection

Why income protection is evolving

List the common causes of income protection claims.
Describe how income protection is evolving beyond the core insurance product.
Identify the role of critical illness cover and how to look beyond the claims statistics.

Guide to segmenting clients

Describe the main issues relating to segmenting
List the dangers with segmenting
Describe the importance of the Prod rules

Financial Conduct Authority

What are the implications of the FCA’s business plan?

List what the FCA covers regarding Brexit, Mifid II and duty of care in its business plan.
Identify what the regulator notes around technological innovation and data ethics.
Describe what the FCA sets out about combating financial crime.

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.

Income Protection

Demystifying the UK group risk market

Describe the background to the group risk market.
Identify the group risk language that is holding the market back.
List what the government is doing to have a positive impact on the market, and what the future holds.

Inheritance Tax

Guide to saving your clients IHT

Describe how to use gifts and trusts.
Identify how to value the estate.
List how to mitigate IHT through different financial solutions.

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.

Lessons to learn about the use of trusts

Identify the insight that the case gives into the Family Court’s approach towards trusts.
Describe the methods that might be used to elicit funds from that resource.
List the circumstances in which such methods might be deployed.

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.

Guide to Multi-Asset

Describe the advantages of using multi-asset funds
Describe how multi-asset funds work
List the assets multi-asset funds can invest in

How bonds and equities are defying their conventional relationship

List what the typical defensive portfolio will look like
Describe what investing in a multi-asset portfolio entails
Explain the risks and benefits of absolute-return funds

Fund House of the Year 2019

Learn about the best perfoming fund houses over the past year
Understand how this performance was achieved
Be able to describe the main headwinds facing investors

Will Jisas feather the nest for future needs?

Gain an understanding of how the Jisa is faring
Grasp the product's benefits and pitfalls
To learn about the best cash Jisas

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

Retail Distribution Review

Guide to Adviser charging

Describe how adviser charging works
Decsribe the importance of the current system
List the differences between adviser charging and commission

Managing doctors' annual allowance

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

What do medical conditions mean in insurance applications?

Describe the importance of insurance policies
Describe the situation with exclusions
Note the percentage of rejected claims

Get ready for SMCR

Describe the importance of the SMCR regime
List how firms need to prepare themselves
Describe how they need to treat their staff

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

Inheritance Tax

How to manage inheritance tax liabilities and property

Describe how people can mitigate a big IHT bill
Describe the importance of financial planning
List the ways in which gifting can be a liability

It's time to wake up to mental health

Describe the ways in which the insurance industry is addressing mental health issues
Describe how the workplace is changing to make mental health a more mainstream issue
List how business leaders can change perceptions

Guide to Portfolio Buy-to-Let

Describe the impact of stamp duty on portfolio buy-to-let
Describe the stress test landlords have to undertake
List the ways the mortgage market has changed for portfolio landlords

Time to treat trusts with neutrality and fairness

Describe the importance of using trusts in financial planning
List the problems that changes to tax charges might create
Describe the impact of periodic charges

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

HMRC to plough through huge levels of data under CRS rules

Describe the responsibilities of the Common Reporting Standards
List the potential liabilities for not reporting
Describe why avoiding the issue will not work

Unheralded top performers await advisers’ attention

Understand the benefits of investing in small funds
Learn about how small funds are performing
Understand the pitfalls for managers of small funds

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

How style factor investing works

Describe how style factors work multi-asset investing
Describe how style factors apply to certain asset classes
Describe the performance of funds using these strategies

Protection for the vulnerable

Learn how to identify a vulnerable customer
Learn actions firms should take when dealing with a vulnerable customer
Understand how firms can achieve appropriate customer outcomes

The impact of the US-China trade war on US equities

Describe the impact of the US China trade war on US equities
List the reasons for the slowdown in the US economy
Describe the extent of tariffs on Chinese goods

Owning up to clients' offshore assets

Describe the importance of the Common Reporting Standard
Outline when there's a risk of prosecution
Describe the benefits of proactive disclosure

Guide to platforms

Describe how to do your due diligence on your platform
List the elements you should look for when selecting the right platform
Describe the reasons for replatforming

What to consider when looking at assisted suicide

Describe the main points of the Ninian assisted suicide case
Decribe why Mr Ninian's widow claimed relief from the forfeiture rule in his will
List the importance of legal advice

The group risk policies employers are adopting

Describe how companies are adopting group insurance policies as benefits
List the user friendly terms for group risk policies
Describe what the 'workplace statement' will do

Group risk is having a moment

Describe the importance of group risk
Describe the significance of Early Intervention Services in group risk policies
List the commercial changes of the group risk market