CPD

All CPD content

What advisers should have learned about Mifid II so far

Identify the main objectives of Mifid II
Describe how portfolio reporting works
Identify what advisers should be doing on fee disclosure

Do markets care about geopolitical noise?

List the risks facing investors
Explain how the tensions may change fund performance
Understand which asset classes may be best to avoid investing in

What money laundering rules mean for crypto and trusts

Describe what the new anti-money laundering rules mean
Describe how crytpo-assets will be affected
Identify what will happen with trusts

How to get your client's stolen money back

Describe what push payment fraud is
Explain what the banking industry is doing about it
Explain the relevance of the Quincecare case

Guide to US Equities

Describe the dominance of US equities on global stock markets
Describe the impact of Federal monetary policy on US equities
Identify some of the challenges with investing in tech stocks

How clients can take pension benefits early due to ill health

Identify when and how clients can take their pension benefits early due to ill health
Outline the conditions needed to pay out a serious ill-health lump sum
Describe how the benefits are taxed

Capital Gains Tax

How to make use of entrepreneurs' relief

Identify the importance of entrepreneurs' relief
Describe what steps one can take if fearful about changes in the Budget
Describe how entrepreneurs'relief is different from previous CGT reliefs

What the regulators plan for operational resilience

Describe what the new proposals on operational resilience mean
Describe where the FCA and PRA differ in their outlook
Identify whether there are extra costs involved

What is happening to UFPLS KFIs?

Describe what is happening to KFIs for UFPLS in April
Describe to differences that will take place in April
Describe what challenges this presents to advisers

Real estate funds and the challenge of liquidity

Identify the prospects for the real estate market
Identify the challenge of liquidity in real estate funds
Describe approach investors should take with property funds

How should graduates start on their finances?

Describe the financial predicament of recent graduates
Identify certain ways graduates can help themselves when seeking information
Describe the tax advantages low earners have

Does your client need a RIO mortgage?

Define what a retirement interest-only mortgage is
Describe who a RIO mortgage is suitable for
Outline some of the factors one has to take into account with a RIO mortgage

Guide to investing in 2020

Identify whether government and corporate bonds will be popular going forwards
Describe the impact of Brexit on UK equities
Describe the importance of holding defensive assets

How to advise those divorcing in their 60s

Identify how divorces among those in their 60s+ differ from others
Explain how to treat multiple properties among divorcing couples
Describe how the courts treat the split of assets

How Brexit will affect cross-border divorce

Describe some of the consequences of Brexit on divorce
Identify some challenges to being a multi-jurisdictional family
Define the implications of children in divorce

The "12 days of Compliance"

Describe some of the main points of compliance firms have to cover
Describe the importance of human resources compliance
Describe the importance of reporting requirements

The economic outlook for 2020

Describe the biggest risks facing investors in 2020
List which asset classes are expected to perform well
Explain what impact US-China trade talks may have

How to sell protection policies

Identify reasons for selling different types of protection policies
Describe why advisers might sell a policy in trust
Describe the importance of scalability with mass affluent clients

How to use cashflow modelling under the product rules

Describe what the prod rules expect of financial advisers
Describe what capacity for loss actually means, and how cashflow tools help
Identify how cashflow tools can help with charges

How to advise on workplace pensions

Identify the exclusions that can be placed on workplace saving
Describe how employers should treat the 8 per cent contribution rate
Identify what the default charge is for a workplace pension

What the new P2P rules mean

Describe how the FCA rules will improve consumer protection
Identify the dangers of the rules over 'sophisticated investors'
Describe some of the problems the FCA found with P2P platforms

Understanding FCA's ban on speculative mini-bonds

Identify the FCA's concerns about certain types of mini-bonds
Identify FCA's exemptions to permit promotion of speculative mini-bonds
Describe the implications following collapse of mini-bond issuer LCF

Understanding HNW millennials

Identify the importance of HNW millennials
Describe a key difference between millennials and baby boomers
Describe the importance of getting ESG investing right

Landlords facing tax increases

Describe what happens to the tax situation with landlords next year
Identify how landlords are adapting their businesses to deal with the changes
Describe other important aspects for landlords to protect their businesses

Are care and support services worth it?

Describe the importance of having added value benefits with a protection policy
Highlight the most popular added value benefit provided by an insurance company
Describe the most important part of a policy when deciding which one to purchase

The risks of commercial property investment

Identify the risks attached to investing in commercial property
Describe the ways in which an investor should seek legal advice
Identify the risks when it comes to buying an off-plan property

Investing in corporate bonds

Explain why corporate bonds are popular with investors
Describe how corporate bonds work as an asset class
Identify some of the risks involved in investing in corporate bonds

Capital Gains Tax

The CGT consequences of buying a 'space in a tower'

Explain how Principal Private Residence relief works
Describe what happened in the case of Mr Higgins
Describe how PPR flipping works

Inheritance Tax

Safeguard the children's inheritance

Identify how the nil rate and residence nil rate band work
Describe how pensions can be used in IHT planning
Describe how business relief works

Guide to Multi-Asset Investing

Identify how multi-asset funds have performed in times of stress
Describe how assessing risk appetite has changed
Identify ways in which savings can be made with multi-asset funds

How clients needing care can get financial help

Identify the ways in which elderly or disabled persons can get state funding
Identify the different types of state benefits
Describe the benefits of NHS continuing healthcare

Now is the time for qualitative research

Describe the importance of qualitative research
Identify the principles of qualitative research
Contrast qualitative research with quantitative

Seeking redress from high cost short term credit companies

Identify some of the concerns with high cost short term credit companies
Describe precautions that HCSTC firms have to take
Describe some of the regulatory procedures surrounding HCSTC companies

Discretionary Management

Guide to Discretionary Fund Management

Describe the differences between multi-asset and model portfolios
Identify some of the key points of discretionary fund management
Describe some of the regulatory issues around model portfolios and investments

Understanding how death benefits work

Identify the ways in which pension benefits can be paid
Identify the different types of lump sum death benefits
Explain how death benefits are tested against the lifetime allowance

How to work out the IR35 rules

Identify who is affected by the IR35 rule changes
Describe how to decide if someone is affected by the IR35 rule change
Describe what happens to the information stored by HMRC by the changes

How to hold business premises in a Sipp

Describe how buying a property with one's Sipp works
Identify how one gets insurance for the property
Describe some of the risks associated with buying a property with a Sipp

Ethical Investing

Guide to responsible investing

Identify what greenwashing is
Explain the fixed income context for ESG investing
Describe what Emsa has to say about ESG investing

FCA's plan to shake up non-workplace pensions market

Describe the context behind the FCA's non-workplace pensions review
Identify the main findings from the FCA review
Identify the implications for advisers

Do trusts still serve a purpose?

Describe some of the advantages and disadvantages of trusts
Describe how family income companies work
Identify the advantages of a flexible family trust