CPD

All CPD content

How to protect drawdown savings in a market crash

Understand how different market scenarios can impact clients' income levels in retirement.
Consider whether diversification, cash levels and other strategies can help portfolios recover from a market crash.
Learn what advisers need to do with clients to help them through stockmarket volatility.

Financial Conduct Authority

What to know about investment risk in the early years of retirement

Learn about the relationship between risk and retirement and how that has changed with pension freedoms.
Understand why retirees tend to be risk averse and how this can be overcome.
Grasp what the FCA concluded about risk and how advisers can incorporate this into the advice process.

Data protection

Why GDPR will impact trust disputes

Consider why the trust is an important legal concept and the reasons for setting up a trust.
Understand what GDPR is and how Subject Access Requests can be used in trust disputes.
Learn what action can be taken in light of enhanced data protection.

How ex-pats could still be hit by a HMRC tax bill

Understand the complexities of a client's tax position if leaving the UK
To appreciate the siginificance of one's tax liabilities despite being resident abroad
To learn about the importance of domicile

How to help families preserve long-term wealth

Learn about the importance of managing different generations in a wealthy family
To understand the importance of communication
To grasp the importance of teaching children of affluent families the importance of handling money

Guide to platform consolidation

Understand what is driving platform consolidation.
Consider some of the pitfalls for platforms to avoid and find examples of where replatforming has gone well.
Learn why due diligence is so important when selecting a platform to use, and the future of the market.

Pitfalls and merits of paying out on DC scheme death benefits

Learn about the changes to DC scheme death benefits that have been introduced since pension freedoms
Find out about what different beneficiaries are entitled to
Understand why it is important to keep expression of wishes up to date

Life companies: Changing their tune

Grasp the challenges facing life companies
Understanding how their business models are changing
Learn about why life companies are selling legacy books

How investors can protect client money

Learn about the collapse of Beaufort Securities and following developments
Understand how the rules applied in this case could affect clients in other cases
Focus on how to mitigate the risks here

Why China is still key to rising stockmarkets

Grasp the factors driving the Asia ex-Japan regions performance in recent years
Learn which funds have prospered here, and why
Understand the role of specific countries and sectors here

Guide to interest-only mortgages

Understand how interest-only mortgages have evolved
Find out how lending criteria has changed in response to regulation
Learn about what advisers' approach should be towards interest-only mortgages

Financial Conduct Authority

Enter the age of accountability

To understand how the Senior Managers and Certification Regime works
To learn why there is a need for the SMCR
To understand the implications of it for bank culture

Quirky protection becoming the mainstream

Learn about why high-risk or impaired individuals are becoming the norm when trying to place insurance for them
Understand why lack of available insurance for non-standard risk concerns the FCA
Find out what providers are doing to expand their scope of cover people who previously found it difficult to get insurance

The role of commodities in portfolios

To understand what commodity investing comprises.
To be able to explain the different risk/return characteristics of commodities.
To ascertain the role of commodities in a wider portfolio.

Guide to using social media to grow your business

To learn about the role of social media in the use of one's business
To understand which social media outlets will work best for one's purposes
To understand how to make the best use of social media

Landlords need to be aware of property market rule changes

To come up to speed with the changes to licensing rules relating to houses in multiple occupation
To understand which properties now fall under this category
To appreciate what landlords need to do in the next few months

What wealth managers can do to get Brexit-ready

Grasp why planning for Brexit is not just a compliance matter and how it can be planned for.
Learn the biggest risks for wealth managers and advisers of leaving the EU, including identifying weaknesses.
Consider how to treat location requirements and maintaining cross-border client relationships.

How to help clients create a lasting power of attorney

Learn how attorneys are appointed in England and Wales and why they are important.
Understand what LPAs allow clients to achieve and the role of a health and welfare LPA.
Consider how to broach the issue with clients and some tips for advisers.

Frontier Markets

Guide to investing in frontier markets

Learn what constitutes a frontier market and sets the asset class apart from emerging market economies.
Understand how investors can get exposure to frontier markets in their portfolio and to fixed income.
Grasp which frontier market countries offer the best investment opportunities and why.

Inheritance Tax

How to protect your estate from have-a-go challengers

Learn about different factors that can trigger an inheritance dispute.
Understand why a challenge to a will might succeed.
Understand how to minimise risk of challengers.

Tax Efficient Investments

Understanding Social Investment Tax Relief and how to make it work

Learn what the Social Investment Tax Relief is and how it compares to other social enterprise structures.
Understand what has hampered take-up of this tax relief.
Consider what changes might be made to improve SITR.

Data protection

The impact of GDPR on divorce proceedings

Understand the impact of GDPR on divorce proceedings.
Learn the implications of being jointly instructed or instructed by one party in the proceedings.
Consider the role of the adviser in understanding the financial information provided by one or other party.

How to start a pension if you've left it late

To understand why people may leave it late to start saving.
To ascertain how to overcome some significant pension challenges.
To be able to list different ways to help boost pension savings.

Defined Benefit

What clients need to understand regarding DB pension transfers

To learn about top five reasons for staying in a DB scheme
To learn about when a transfer might be a good idea
To have a better grasp of DB transfer

Understanding passive approaches to SRI

Learn about the history of ESG investments and SRI, as well as the differences between the two.
Consider the three main routes to investing sustainably including passive, active and impact investments.
Understand the index selection for passive investments and what is behind investor selection.

Business Protection

What to know about advising on business protection

Learn the definition of a small business and the risks SMEs face.
Understand the different types of business protection available and what they cover.
Consider how to increase awareness of business protection among clients and the role of advisers in doing so.

CIP suitability: Making the right choices

Understand how advisers are meeting CIP suitability requirements
Learn about the methods advisers are using to invest client money
Grasp the FCA's expectations on CIP suitability

Critical Illness

CI survey: Steps in the right direction

Learn about the biggest developments in the critical illness market over the last year
Think about the potential consequences of these developments
Focus on the issues facing advisers who sell critical illness products

Guide to unexpected property ownership

Learn what happens after a client has inherited a property and what their options are.
Consider whether renting or selling an inherited house is better and what the different markets are like.
Understand what to know about becoming an accidental landlord.

Why divorcing couples and families need to find alternatives

Learn about how divorce proceedings work now and why there is demand for reform.
Understand some of the options available to divorcing couples that may ease the process.
Consider what role advisers can play in mediated divorces.

Defined Benefit

Contingent charging is not all it's cracked up to be

Learn about the main challenges relating to contingent charging
Understand the impact of contingent charging on the advice process
learn about alternatives to contingent charging

How to access the free client bank in need of advice

Learn why there are opportunities for advisers in the workplace pensions market.
Understand how the current workplace pension market works including regulatory changes and costs.
Consider what the retirement options are and how to evolve a workplace proposition.

How to boost clients' income in retirement

Learn how advisers can help their clients boost their income in retirement and which strategies are best.
Understand how the retirement income strategy differs depending on the size of the pension pot.
Grasp whether the pension freedoms have had any impact on funding retirement sustainably.

How clients can get into intergenerational property investment

Consider the case for investing in intergenerational property.
Learn where are the best regions to purchase property and how to finance it.
Grasp the legal and tax implications and how to get clients started.

Sustainable Investing

How to benefit from CSR

To be able to explain what CSR means to clients.
To understand different types of sustainable investment.
To be able to see how CSR can mitigate long-term risks.

Defined Benefit

Getting used to how advising on pension transfers is now done

Being brought up to date with the latest thinking on DB transfers
Understanding the importance of APTA and TVC
Learning how the advice process on DB transfers has changed

Inheritance Tax

How financial planning can help clients bridge the generation gap

Learn about some of the planning strategies advisers should have to help clients tackle the generation gap.
Understand the importance of inheritance tax when transferring accumulated wealth and questions to ask clients.
Consider the range of gifting strategies and trust structures available to clients.

How advisers can help clients turn property potential into reality

Consider the case for using equity release to help fund retirement.
Learn the misconceptions advisers' clients have about equity release and how to overcome these.
Understand how to educate clients and the wider family members about their property options.

Why clients are interested in values-based investing

Understand what the different definitions of values-based investing are and how each approach works.
Consider the size of the values-based investing sector and the effect on performance.
Learn the challenges faced by the industry.

Guide to advising the self-employed

To understand the issues affecting self-employed people.
To be able to help them save more.
To be able to list different types of insurance that can help protect clients.