CPD

All CPD content

Protecting your home and family: the four WHYs

Describe some of the challenges with sorting out a protection policy for a client's family
Describe some of the factors involved with setting the term of the policy
Explain the importance of assessing the amount that will be provided

Guide to Buy-to-let

Describe how rental yields will perform in 2020
Describe the supplementary charge is for landlords in England
Explain the issue with top-slicing

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

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

The pitfalls of Bank of Mum and Dad

Describe some of the pitfalls of being Bank of Mum and Dad
Identify why a Living Together Agreement would work
Describe the best way of getting a mortgage with one's child

How to get a £1m mortgage

Describe some of the difficulties achieving a £1m plus mortgage
Identify some of the ways to improve the chances of getting a £1m mortgage
Describe the elements of the relationship with the lender that would improve a borrower's chances

How a business lasting power of attorney works

Describe the benefits of having a business Lasting Power of Attorney
Identify the differences between and LPA and conventional PoA
Describe who would make a good choice for a business LPA

How to split the pension on divorce

Identify the challenges of splitting pension under divorce proceedings
Describe the different ways pensions can be treated in the financial settlement
Highlight some of the pitfalls to be avoided in this process

Advising clients in bereavement

List why there is a wellbeing gap among those aged above 60.
Describe the grant of probate process.
Identify how much a funeral costs and what you can do to help bereaved clients.

Role of advice as debt levels among retirees rise

List the drivers behind rising debt levels among the over-55s.
Describe what the later life lending market can do to meet demand among consumers.
Identify the role advisers play in offering holistic financial planning.

Lessons to learn about the use of trusts

Identify the insight that the case gives into the Family Court’s approach towards trusts.
Describe the methods that might be used to elicit funds from that resource.
List the circumstances in which such methods might be deployed.

Guide to advising the self-employed

Describe the differences for advising between an employed and self-employed person
Describe the importance of keeping a track record of earnings over the year
List the factors providers look for in a self-employed person

What you need to consider when advising older clients

List how family finances have changed over the past few decades.
Describe why clients are having to manage their money for longer.
Identify what advisers need to differently to advise clients over 50.

Equity release mortgages have a lot to offer

Describe the evolution of lifetime mortgages
Describe how retirement interest only mortgages work
List the key points about taking a mortgage in retirement

Guide to Family Financial Planning

Describe some of the challenges involved in family financial plannning
Describe the ways in which families can plan their intergenerational wealth transfers
Describe the uses of trusts in family financial planning

Guide to Portfolio Buy-to-Let

Describe the impact of stamp duty on portfolio buy-to-let
Describe the stress test landlords have to undertake
List the ways the mortgage market has changed for portfolio landlords

How to use ETFs to get exposure to thematic investing

Identify what thematic investing is and why it has been associated with active management.
Describe why it is important to understand the aim of the index methodology and how they are constructed.
List why it is important to ensure investors have a meaningful exposure to a trend.

Guide to the Isa market

Describe the history of Isas and why they have become a building block in client portfolios.
Identify how to protect investments held in stocks and shares Isas from volatility and whether there is value in having a cash Isa.
List the different types of Isa available now and consider whether there are too many in the market.

Income Protection

Why conversations about protection are difficult but essential

Identify why protection can be a difficult subject to broach with clients.
List some of the common misconceptions about protection and its coverage.
Describe how advisers can make the case for protection, and why mortgage clients might have more of a need.

What you need to know about later life protection

Identify why the cost of care in the UK is rising and what that means for protection needs.
List how advisers can help clients plan early and identify the right protection cover.
Describe which products have entered the market to meet later life protection needs.

Understanding the role of independent financial advice in divorce

Describe how financial planning at the outset of divorce proceedings can help fund it.
List what factors are relevant to financial arrangements in divorce proceedings and the need for financial disclosure.
Identify what need there is for clients to get financial advice when going through a divorce.

Guide to later life mortgages

List what types of later life mortgage products are available and how they differ.
Describe what is driving the growth of this market and why clients are demanding these products.
Identify what advisers can do to help later life mortgage clients and what they need to know about suitability and risk.

Guide to with-profits

Get up to speed about the current state of the with-profits sector
Learn about the implications of asset allocation
To understand the smoothing process and allocation of bonuses

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.

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.

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.

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.

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.

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.

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.

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.

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

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

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.

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

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.

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

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