CPD

All CPD content

Guide to advising clients with mental ill health

To understand what the FCA's work on vulnerability means for clients with mental ill health.
To be able to hold difficult conversations with client.
To be able to research the market to get the best outcome for clients.

Smaller companies are offering opportunities

Describe some of the advantages of investing in small cap stocks
Explain why there is more liquidity
Identify the reasons smaller companies can pay dividends

The risks and dangers of cryptocurrencies

Describe some of the risks associated with cryptocurrencies
Identify what companies have to do if they are involved with cryptoassets
Explain what companies have to do to protect themselves from internet criminals

Understanding ESG terminology

Describe the terminology used in the ESG eco-system
Explain the impact of regulatory changes on ESG investment products
Describe the concept of greenwashing

How mortgage payment holidays work

Describe how the mortgage payment deferrals system works
Explain the impact of mortgage payment holiday on one's creditworthiness
Describe how long the mortgage payment holiday will last

How your client may be affected by FATCA

Describe what FATCA and CRS are
Explain what due diligence is involved
Identify which kinds of product are affected by the rules

How the EU capital adequacy regime will apply to those with DIM permissions

Describe the importance of new EU capital adequacy requirements
Identify how it will apply
Explain how it will work going forwards, post-Brexit

Why a client in drawdown may want to transfer

Describe some of the factors affecting clients in drawdown
Identify reasons why a client may want to transfer
Explain some fears about drawdown

The Staveley pensions case has posed interesting legal challenges

Describe some of the challenges around the Staveley cse
Describe HMRC's attitude to the case
identify why there was controversy

Retirement Income

What the FCA's rules on investment pathways mean for clients

Identify key points in FCA retirement outcomes review paper
Explain what the standardised objectives are
Explain what the implications are for advisers

Can govt solve the net pay vs relief at source dilemma?

Explain how relief at source system works
Explain how net pay tax relief system works
Identify the key issues surrounding the government's proposals

Guide to managing longevity risk

To ascertain the effects of longevity risk on a portfolio
To be able to explain to clients the different ways of structuring a portfolio
To understand what sequencing risk means for a pension portfolio

How redundancy payments will be affected by tax

Describe some of the issues relating to the taxation of redundancy payments
Identify some situations when redundancy payments up to £30,000 can be taxed
Explain the use of CJRS for redundancy payments

The importance of multi-asset investing for pension planning

To understand various multi-asset strategies in decumulation
To be able to explain different investment approaches
To be able to assess how to construct tailored multi-asset portfolios for pensions

Discretionary Management

The technology needed to run a DIM

Describe the use of apps by discretionary investment managers
Identify some of the reporting rules required by the regulator
Explain the 10 per cent rule

How equity release has evolved

Explain how products and mortgage rates have changed
Explain what is driving the increase in funding
Identify ways in equity release could help fix the social care crisis

Guide to selling your business

Describe some of the aspects of selling your business
Identify some challenges around a sale
Explain how to deal with these challenges

Investing in European equities

Explain the outlook for European equities
Identify the sectors that may survive or do well after the crisis
Explain how European equities compares to UK equities

What the FCA's paper means for property funds

To understand the reasons why property funds have gated
To be able to explain the long-term diversification benefits of property
To be able to grasp what the FCA's recommendations might mean for client portfolios

Business Support

How IFAs can show value of advice

Explain public attitude towards financial advice
Identify ways in which the advice gap can be narrowed
Identify ways in which advisers can promote the value of financial advice

Guide to hiring in a post-Covid world

To ascertain how to take advantage of opportunities during lockdown.
To learn new ways to attract and retain fresh talent to the industry.
To be equipped with new ideas to bolster your firm through recruitment and training.

Financial Conduct Authority

How to navigate the FCA's financial resources assessment

Explain how firms should conduct their annual assessments
Explain difference between capital and liquid resources
Identify FCA’s expectations for identifying harm

How to advise the modern 'blended' family

To understand what issues might arise from blended families.
To be able to explain the different legal implications of inheritance.
To be able to demonstrate knowledge of trusts and wills

Business Support

How share-based incentives can help small firms in tough times

Explain benefits of share-based incentives for smaller firms
Identify the different options available when arranging share-based incentives
Explain how to get the documentation right

What 'breathing-space' regulations mean for those in debt

Describe what the breathing space regulations mean
Identify who they apply to
Explain the difference between mortgage and credit agreement debt

How to continue meeting FCA governance requirements

Explain what governance means in the context of regulation
Explain what has happened with SM&CR so far
Identify ways in which to assess a firm and individual's competency

The impact of government debt on your clients

Describe the risk of inflation as a result of higher debt levels
Explain what the multiplier effect is
Identify the potential impact on investments of higher government borrowing

How to have a good video conference meeting

Describe some of the challenges around video conferencing
Explain why it suits some people more
Identify some tricks to use in videoconferencing

Guide to Discretionary Fund Management

Describe the implications of DFM choice on your regulatory permissions
Identify the assets that typically do best in a recession
Explain the considerations when choosing an investment manager

Inheritance Tax

Reclaiming IHT in wake of coronavirus market impact

Explain how IHT share loss relief works
Explain how to claim the relief
Identify the ways in which the relief claim impacts the nil rate band

The various ways former spouses can lose access to a pension

Describe some of the issues relating to separating couples or widows/widowers over pensions
Identify the procedures an individual must go through, when assessing their circumstances
Describe an advantage cohabitees have regarding pensions

How governments are combating Covid bailout fraud

Describe how vulnerable the Covid stimulus measures could be to fraud
Explain how various governments are trying to combat this
Identify why some governments are likely to better placed than others

Closing the racial wealth gap

Explain some of the causes of the wealth gap
Explain the FCA's focus on culture
Identify ways in which the industry can help close the wealth gap

The outlook for emerging markets

Describe what drives emerging market economic performance
Explain what moves emerging market share prices
Identify the different ways one can invest in emerging markets

Why your client should set up a business LPA

Describe the reason for setting up a business LPA
Explain what happens when there is no business LPA
Identify what a business LPA does

How to manage sequence of returns risk

Describe some of the challenges around sequence of returns risk
Describe a straightforward way to mitigate that
Explain the advantages of dynamic spending

How Fos is handling the pandemic

Describe some of the changes instigated by the Fos during the pandemic
Identify the impact on adviser firms for some of these changes
Describe how Fos is behaving towards insurance companies

How protection cover has changed since Covid-19

Explain impact of coronavirus on protection policies
Explain how to introduce IP and CI cover
Identify what is true and false about the payment of claims

What the FCA expects from discretionary managers

Describe some of the requests by the regulator regarding advice suitability
Explain dangers with vulnerable clients
Describe some of the dangers, and necessities with discretionary management

Should your client go self-employed?

Describe the tax differences between employed and self-employed
Identify some of the drawbacks of being self-employed
Describe some of the responsibilities of being self-employed