CPD

All CPD content

Income Protection

What can the industry do over protection?

Describe the importance of people taking out income protection
Identify some challenges with vulnerable clients
Describe the impact that mental health issues have on a client

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

How to mix and match your multi-asset funds

Describe new ways of building multi-asset portfolios
Describe the method for calculating the capital market return
Identify the ways of achieving true diversity with multi-asset funds

Inheritance Tax

Helping clients pass on wealth

Describe some of the ways clients can mitigate IHT
Identify some of the advantages of Aim-mitigating products
List the ways life interest trusts can work

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

Guide to Cryptocurrencies

Understand what cryptocurrency is.
Describe the regulator's approach to cryptocurrency.
Identify the benefits of the technology that enables cryptocurrency transactions.

UWOs may rarely appear but they are here to stay

Describe how unexplained wealth orders work
Describe how a client should respond to a an UWO
Describe what a client can do to mitigate one

Fund liquidity: The quest to remove investor roadblocks

To gain an understanding about the most recent liquidity problems for open-ended funds
Learn about what action the regulator could take
Grasp how funds can reduce the likelihood of encountering liquidity issues

Do dedicated technology funds have a home in intermediary portfolios?

Gain a greater understanding of tech funds
Learn about what's driving their performance
Be able to describe the headwinds facing the sector

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

Staying vigilant amid Brexit uncertainty

Gain an understanding of why UK funds have returned to favour
Learn about the dividend trends of UK firms
Learn about the factors that could affect future dividend payouts

Income Protection

Value of IP finally starts to hit home

Be able describe the key drivers of growth in the income protection market
Learn about how providers are faring
Understand what improvements are being made to the product

HMRC to take on phoenix companies

Describe the main changes brought about by HMRC's rules on phoenixism
Describe the responsibilities and liabilities of directors
Describe what happens to directors of previously suspected phoenixism

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.

Guide to US Equities

Describe the differences between UK equities and US equities
List the way US expats can escape onerous tax rules
Describe the fundamental corporate differences between the US and the UK

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

Why talk about productivity?

Describe what is contributing to poor productivity in the UK
List the stresses people are often under at work and at home
Describe what companies can do to help stressed out employees

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.

Income Protection

Understanding gender, disability and the protection gap

Describe the challenges disabled women face in the workplace.
List what can be done to address this problem in the group insurance market.
Identify what other help is available to support disabled women back into work.

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

Do you sit outside IR35?

List the ways in which IR35 is affecting those who are contractors
Describe what contractors can do to prepare for IR35
Describe the ways in which contractor can sit outside IR35

Inheritance Tax

How can advisers close the wealth transfer generation gap?

Identify why intergenerational communication is key.
Describe the role of the adviser when it comes to wealth transfer.
List the possible solutions when advising on transferring wealth between generations.

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.

The rise of the intangible economy

Describe the changing nature of the modern economy.
Identify why companies with intangible assets are delivering higher earnings growth.
List the right investment strategy for the knowledge driven economy.

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.

How to prepare for a bear market

Describe the background to the current bull market.
List how clients can prepare for a potential bear market when it comes.
Identify what type of companies will do well in a bear market and which to avoid.

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.

Inheritance Tax

When and how clients can contest a will

List the grounds for contesting a will and why inheritance disputes are rising.
Describe what a financial provision claim is.
Identify out of court dispute resolutions and how claims can be prevented.

What you need to know about ESG investing

List the economic and social drivers behind growing demand for ESG investment strategies
Understand and explain the value and risks of ESG-focused investment portfolios
Describe the complexities of ESG investing to current and prospective clients

Giving advisers a prod in the right direction

Learn about how advisers are navigating Prod rules
Gain an understanding of the challenges posed by Prod
Grasp how Prod could impact how advice is delivered

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

Counting the cost of US/China trade dispute

Understand how the trade war could impact client portfolios
Learn about the role Chinese currency may play in the trade war
Gain an understanding of what steps the Fed has been taking recently

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.