CPD

All CPD content

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.

Sustainable Investing

Guide to investing for good

Learn what is behind investor demand for ethical investing and how to construct an ethical or sustainable portfolio.
Consider the pros and cons of active versus passive investing.
Understand what are the most important ESG themes for investors.

A guide to the jargon and trends behind sustainable investing

To understand the basic points about ESG investing
To learn about how ESG investing is defined
To understand the role of wealth managers

What you need to know about retirement interest-only mortgages

To learn about Retirement Interest Only mortgages
To understand when they are appropriate
To understand how they compare with equity release

Guide to using Target Date Funds

To learn how Target Date Funds work
To understand how Target Date Funds differ from Lifestyling
To learn how Target Date Funds can be used

Should US equities form part of a diversified client portfolio?

Learn why the US stock market has been in what is known as a bull market.
Understand whether clients should be concerned about macroeconomic factors in the US.
Consider why US equities form part of a well-diversified client portfolio.

Back in focus: The FCA's 'competition' priorities

Understand the rationale taken by the FCA in recent years
Learn what other approaches are available
Comprehend the arguments for and against the regulator's current approach

Making allowances? The future of pensions tax

Learn about recent developments with regard to the lifetime and annual allowances
Grasp the arguments for and against a reform of these allowances
Comprehend the factors that could influence the government's stance on the issue in future

How to avoid the pitfalls of advising on pension transfers

Consider how to build up a detailed knowledge of the rules and regulations around pension transfers.
Understand how to better engage with and know your clients and their needs.
Learn how to deliver a recommendation.

How to make sense of GMP clawback

To understand how the GMP clawback problem started.
To ascertain ways to help clients who may be hit by a letter requesting repayment.
To be able to list preventative measures to stop similar problems happening in the future.

Inheritance Tax

Why making a will makes a real difference to those who survive

To learn about disaster provisions in wills
To understand what the dangers are if all the beneficiaries on a will die in one go
To learn about when someone leaves everything to charity in the event that all beneficiaries die

Defined Benefit

How to ensure pension transfer clients are not hit by the LTA

Understand what is important to the client when advising pension transfer clients.
Learn about the different options available to pension transfer clients who want to avoid the LTA.
Consider what is the right way to use the 100 per cent lifetime allowance.

Why Amazon insurance is a prime proposition

To understand what big tech companies are considering in the realm of insurance.
To ascertain the challenges for providers and advisers.
To learn ways to enhance brokers' offerings to compete against the likes of Amazon.

Guide to regulatory changes

Find out what advisers need to know about Mifid II and GDPR
Learn about some of the actions advisers can take to ease the impact of the rules
Learn about other regulatory reforms that are on the horizon

What you need to know about Child Trust Funds

Understand how Child Trust Funds work
Learn about ongoing contributions to CTFs
Know what happens if parents do not trust their children with the money at 16

Why clients should avoid relying on property to fund retirement

Consider why clients are relying on property to fund their retirement.
Learn what the risks are of relying on property and cash, and why clients are averse to saving into a pension.
Understand how advisers can help clients to avoid relying on equity in the home for retirement income.

Pension Freedom

Drilling down into decumulation risks

Understand the risks of managing a pension pot in retirement.
Learn what the risks can do to a portfolio in decumulation.
Grasp what advisers can do to help clients manage decumulation in retirement.

Alternative Investment

Guide to crowdfunding and P2P lending

To understand how Crowdfunding and P2P finance works
To learn about the risks of crowdfunding and P2P finance
To learn about doing due diligence on a platform

How cohabiting couples can limit potential financial disadvantages

Learn about how cohabiting couples can limit potential financial disadvantages
Find out the disadvantages cohabiting couples suffer when a relationship breaks down
Find out the disadvantages cohabiting couples suffer when a partner dies

Time for change at the ombudsman

To gain an understanding of how the FOS is being reformed
Grasp how the reforms could affect advisers
Learn about the challenges facing the organisation .

Is Aim investing hitting its targets?

Learn about the tax benefits of holding Aim shares
Understand the pitfalls of such investments
Gain an insight into how Aim shares have performed

The best UK funds of the past five years

To learn about how UK companies funds have performed
Understand the growth drivers
Be able to describe the sector's challenges

What to know about expat Americans living in the UK

To understand some of the financial complexities US expats face when living in the UK
To learn about the treatment of savings wrappers, such as Isas and Sipps
To grasp how to approach assets being brought in from offshore

How to help clients position in UK equities for Brexit

Understand how to help clients position their investment portfolios in UK equities as Brexit approaches.
Learn what a possible 'no deal' Brexit might mean for UK equities.
Consider whether clients should adjust their exposure to large, mid or small-cap UK stocks.

Guide to unusual buy-to-let

Learn what there is to know about the holiday let market in the UK.
Understand how mortgage providers are catering to the needs of expat landlords with UK property and the tax implications for holiday homes.
Consider what there is to know about Airbnb as buy-to-let landlords show an interest.

Why firms should avoid the flight of the phoenix

To understand what is driving some firms to phoenix.
To ascertain whether there is a right or wrong way to close and start again.
To understand the implications this can have for the firm, the consumer and the industry.

The perils of risk drift

Learn what is meant by the term risk drift.
Understand the role advisers play in helping their clients to establish their attitude to risk.
Consider how to monitor ongoing risk in risk targeted, multi-asset and risk rated investment solutions.

Guide to financial advice for later-life marriage

To understand the financial drivers behind later life marriage.
To be able to explain the financial advantages and disadvantages of marrying later in life.
To ascertain ways to help clients with complex inheritance issues.

Is multi-asset investing the best approach for clients' portfolios?

To understand the differences between multi-asset and multi-manager
To learn about the investing principles behind the different of fund
To grasp why one might have advantages over the other

What the FCA’s basic savings rate could mean for consumers

To learn about the FCA's introduction of a Basic Savings Rate
To understand how it might work
To learn about the FCA's regulatory initiative

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.