CPD

All CPD content

Guide to accident, sickness and unemployment insurance

To learn what ASU is and for whom it might be suitable.
To be able to list the pros and cons of ASU compared with income protection.
To be able to explain ways to protect clients in the event of forced redundancy.

Gamechangers of the protection industry

Describe the impact some gamechangers have had on the protection industry
Understand the potential effect of future gamechangers
List the way forward for the protection industry

US citizens need to sort out their tax affairs

Learn about the US tax system
To describe what needs to be done in the run-up to tax year-end in the US
To take on board the correlations between US tax and UK tax

Fintech is the future - along with traditional advice

Describe what fintech is
Articulate why fintech might be a threat to financial advisers
Describe how financial advice might be able to work with robo-advisers and other fintech

Income Protection

Guide to the background to protection planning

Describe what types of financial shocks income protection can cover.
Identify how state benefits and IP interact and how advisers can help clients understand the IP claims process.
List how the income protection market might develop over the next few years, including whether it will consolidate.

Sustainable Investing

Climate change will have an impact on all retail investors

To understand some of the risks associated with climate change as an investor
To learn about the impact one can have as a retail investor
To describe ways in which retail investors can access ESG markets

The growing importance of advice on long-term care

Describe why the number of people living for longer is set to increase and the care available to them.
Identify what to check with a client or relative who has immediate care needs.
List the options clients have to be able to meet care costs and how to communicate these to them.

Changes for financial advisers under SMCR

Identify the types of firms affected by SMCR
Describe the new financial services directory
Identify the importance of the new functions under SMCR

What the Budget delivered for your clients

Identify what were the biggest announcements in the Budget related to pensions, tax and housing.
Describe what announcements advisers would like to have seen the chancellor make.
List what changes delivered by the chancellor will have the most impact on advisers' clients.

What can be done to end the gender pensions gap?

Learn about what steps are being taken to address the gender pensions gap
Understand what the problems are
Grasp the relationship between the gender pay gap and the gender pensions gap

Automatic enrolment

How will 2019 hikes affect opt-out levels?

Understand how employers are positioned to cope with next year's contribution hike
Learn about AE providers are faring
Grasp the challenges facing the inclusion of self-employed workers

Getting to grips with the residence nil rate band

List the key definitions, dates and thresholds for the residence nil-rate band.
Identify what are the 'traps' to watch out for in estate planning strategies.
Describe the common scenarios advisers may encounter with their clients when dealing with RNRB.

Income Protection

Guide to the changing face of income protection

Describe how sales of income protection differ from other types of protection and why this is.
Identify which initiatives have raised awareness of IP and how these have helped advisers start protection conversations.
List how income protection has adapted to meet the needs of growing numbers of self-employed.

Inheritance Tax

Financial planning for later life care provision

Describe what options for solving the later life care crisis have been suggested.
Identify what clients want from their later years and how much money they will need to achieve that.
List what clients need to know about saving for care, paying IHT and what flexible options there are.

First-time Buyer

What advisers need to know about Generation Rent and protection

Identify the changes in the BTL market which were intended to help first-time buyers.
Describe what impact fewer homeowners means for protection needs and advisers who sell protection.
List why tenants or Generation Rent represent a potential income for advisers as clients.

Building a decumulation investment strategy for clients

Be able to describe a “liability relative” approach to investing.
Identify the different implementation approaches to liability-relative investing.
List the “hybrid strategies” which incorporate annuities and/or insurance into a portfolio.

Emerging Markets

Guide to investing in Latin America

Be able to list what the long-term opportunities are for investing in the region.
Identify how Latin American equities have performed recently and over the longer term.
List the reasons Latin American bonds have outperformed and what political changes the region might face.

How a drawdown-annuity blend offers the best of both worlds

Be able to describe the outlook for the annuity market.
Identify some of the advantages of using a drawdown policy for clients.
List the tools and apps to help clients avoid running out of money in retirement.

Alternative Investment

How clients can position in alternatives to withstand volatility

Identify the role of alternatives and their benefits in a portfolio.
List how clients can get returns from less traditional asset classes and why the current environment means they need to.
Be able to describe the risks of using alternative investments in a broader portfolio.

Small Self Administered Scheme

How the Ssas market has evolved

Be able to describe how the small self-administered schemes market has evolved.
Identify the four different types of Ssas propositions.
List the issues around Ssas for advisers to consider.

Income Protection

Guide to the need for income protection

Identify why clients might need income protection over other types of protection.
List the reasons advisers can help clients with IP needs.
Describe whether providers are adapting protection products and learn about the protection gap.

Guide to key Budget announcements

Be able to identify the economic announcements from the Budget and how the Chancellor has prepared for Brexit.
Describe what pension reforms were delivered by the Chancellor in the Budget around patient capital investment.
List the four key residential housing market policies from the Budget.

Getting the pensions conversation right

Understand the cash flow modelling exercise financial planners might use to create a retirement plan with clients.
Consider how to help clients minimise the risk of running out of money in retirement.
Grasp how to make pensions for compelling for millennial clients.

Defined Benefit

How to advise clients on DB transfers

Understand what the FCA has issued on pension transfer advice and who is eligible to give advice.
Learn what to do with self investors and the distinction between the two risk types.
Grasp what there is to know about TVAS, TVC and Apta, and charging for advice.

What you need to know about the Budget 2018

To understand what the economic impacts of the Budget could be.
To list the various tax changes implemented in the latest Budget.
To understand what the main implications are for mortgages and investment.

Ethical Investing

The times, they are a changin’

Understand how ESG investing is spreading throughout the investment universe
Learn the differences between impact investing and ESG investing
Compare the UK experience to what is happening in Australia

How to help clients approach sustainable investing

Understand what are the different definitions around the concept of sustainable or ethical investing.
Learn how to help different clients navigate the different approaches to sustainable investing.
Consider what type of data there is available to help advisers make a selection.

Retirement Income

Guide to retirement income and planning

Learn what clients' retirement income needs look like and the different savings vehicles available to them.
Understand what options there are for those who want an income in retirement post-pension freedoms.
Grasp how to deal with vulnerable clients.

How to make outsourcing work for you and your clients

To understand what is meant by 'outsourcing'.
To learn different ways of delegating investment decisions.
To understand how the agent-as-client process works.

Platform survey: Providers face the music

Learn about the issues facing platform providers
Grasp how providers are navigating these challenges
Gain an understanding of how the market is faring

Can the multi-manager fund survive?

Gain an understand of multi-manager funds
Learn about how investment professionals use them
Understand how the market is changing

Inheritance Tax

How to navigate inheritance tax and pensions with clients

Learn in which instances pensions are subject to inheritance tax and why.
Consider what happens when clients want to transfer their DB pensions to a DC arrangement.
Understand how to help clients in these situations.

Guide to paying fees for education

Learn about the pros and cons of Junior Isas for saving for children.
Understand how to save enough for private education and whether to pay off university fees.
Consider what role advisers can play in helping clients to plan for their children's future.

Wide exposure, but low in cost

To understand the basics about multi-assets funds
To understand who multi-asset funds would be suitable for
To understand the difference between passive and active multi-asset funds

How to help clients invest for accumulation and decumulation

Explain the differentiated objectives in accumulation and decumulation investing.
Understand and contrast the key risks of investing in accumulation and decumulation.
Understand and explain the key variables in analysing and evaluating the potential outcomes of a retirement investment plan.

What you need to know about unexplained wealth orders

Learn what is an unexplained wealth order or UWO.
Consider how it might affect high net worth clients and how a UWO can be challenged.
Understand how law enforcement in the UK is changing.

Guide to the UK market post-Brexit

Learn how fund managers are positioning in UK equities for Brexit and how clients should be invested in the asset class.
Consider what impact Brexit uncertainty has had on the UK economy.
Understand how advisers can help to reassures clients ahead of Britain's departure from the EU and the discussions they should be having.

The benefits of group protection policies for cancer treatment

Understand why it is important for employers to have employee benefits in place.
Learn about the main benefits of group income protection and group critical illness cover.
Consider some of the criticisms levelled at group critical illness and why cancer makes up the majority of claims.

Pension Freedom

How to help clients choose the right income fund for retirement

Learn what impact the pension freedoms have had on retirement provision.
Consider how income funds can help clients to fund their retirement and the risks that these bring.
Understand how ratings can help advisers to find the best income funds for their clients.

Income Protection

The 10 things advisers should know about protection

Understand what to know about the range of protection products and what clients protection needs are.
Learn about the underwriting process and where price comes in.
Consider clients' existing employee benefits and any suitable added value benefits.