CPD

All CPD content

How to help clients facing later life planning challenges

Identify biggest challenges facing later life planning
Explain how to help clients prepare for future and unpredictable costs
Explain how to mitigate certain risks in later life planning

In Focus: Vulnerability

What lessons can we learn from British Steel?

To spot red flags and raise awareness of potential problems with regulators and other bodies.
To understand financial vulnerability in the context of redundancy.
To understand when defined benefit transfer advice is not in the best interests of certain clients.

Retirement CPD course

Guide to retirement saving

Describe the drawbacks of lifestyling
Explain the appeal of multi-asset investing
Explain what passives funds have to offer

Retirement CPD course

Guide to ESG and pension investing

Describe the significance of sustainability in pension funds
Explain the importance of the relationship with fund managers
Describe what the EU sustainable finance disclosure is

Retirement CPD course

Guide to retirement income

Describe how to manage clients in drawdown
Explain some of the drawbacks with annuities
Identify how to blend annuities with drawdown

Defined Benefit

What makes a good or bad pension transfer?

Explain the FCA's approach to DB transfers
Identify examples that would make a good DB transfer
Identify examples that would make a bad DB transfer

How to engage with clients on a retirement pathway

Describe the importance of investment pathways
Identify the tasks facing financial advisers
Explain the fees surrounding investment pathways

How to navigate protection and the lifetime allowance

Describe the application conditions for the different forms of fixed protection and individual protection
Explain how fixed protection and individual protection work
Describe the different levels at which the LTA is capped

In Focus: Vulnerability

How to navigate decumulation post-Covid

To understand pension investor behaviour post-Covid
To be able to explain how to meet any pension shortfalls
To understand how to help clients keep on track for retirement

What could a 'wealth tax' look like?

Describe some of the basic points of the mooted wealth tax
Identify how much the authors of the report say it could raise
Explain whether this is likely to be adopted by the Treasury

What advisers should know about the FCA's investment pathway rules

Explain the background to the investment pathway rules
Identify the implication of the rules for firms
Explain how firms can differentiate their service

In Focus: Vulnerability

How to retire early amid a pandemic

To understand why people are changing their retirement plans.
To be able to explain the potential benefits and pitfalls of dipping into the pension early.
To be aware of how different clients may react at retirement to global events such as Covid-19.

How the Pension Schemes Act will affect your clients

Describe the impact of the new Pension Scheme Act
Explain the criminal aspect of it
Identify ways of handling the TPR with its new powers

Retirement Income

How 2020 brought later life planning into sharp focus

Explain the challenges of the pandemic for later planning advisers
Explain impact of potential tax changes
Explain the crucial elements of later life planning

In Focus: Vulnerability

How to combat pensions scams

To understand the depth of the problem with pension scams
To learn what measures are already in place and how these operate
To be able to explain how to spot and report potential scams

What skills do advisers need to manage the great wealth transfer?

Explain how financial advice has evolved
Identify the specific set of skills needed to advice on wealth transfers
Identify the types of training that exist to help advisers

How to teach your children 'saving is cool'

Explain why people are financially ill-prepared
Identify ways to help children understand money better
Identify ways to teach children about savings

In Focus: Vulnerability

How to help vulnerable 'Divorce Day' clients

To understand how divorce matters for financial vulnerability
To recognise the soft skills advisers need
To be able to explain tough financial decisions in a clear and empathetic manner

How divorce can affect retirement

Explain why divorce among over 60s is on the rise
Identify the key factors couples in a divorce need to consider
Explain how advisers can help couples to be better prepared in a divorce

Inheritance Tax

Guide to intergenerational wealth transfer

Explain how conflict has arisen when wealth is being passed down
Explain who is making the investment decisions
Identify the pitfalls when it comes to passing on wealth

When is the right time to advise clients as couples or individuals?

Ascertain when to see clients as couples or individuals
Identify why some clients might want individual help
Explain the benefits of joint financial planning

How to help clients make a drawdown transfer

Explain the required conditions for doing a partial or full transfer
Explain how to transfer crystallised pensions
Explain how statutory permissive override works

Business Support

How to reach unadvised clients

Identify the different client groups
Explain how advisers can appeal to future clients
Explain the impact of technology

How to cope with the Lifetime Allowance

Explain how the lifetime allowance charge operates
Identify the key issues a pension scheme member should consider
Describe how the LTA affects individuals

How advisers can help clients prepare for Brexit amid uncertainty

Identify the key ways Brexit is likely to affect clients
Explain why paying attention to cyber security will be very important
Identify the actions advisers need to be carrying out now

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.

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

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

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 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

Property a pension scheme may or may not invest in

Explain why pension schemes might want to buy property
Identify which types of property are available for a pension fund to invest in
Describe how a pension scheme can get involved with residential property

Guide to later life planning

Describe some of the fundamental points about planning for later life
Explain what lifestyling is
Identify the usefulness of buying an annuity

Inheritance Tax

How to navigate proposed IHT changes post-Covid

Identify available tax exemptions and reliefs
Explain how to efficiently use trusts
Explain how to insure against liability

Beware unauthorised pension payments

Identify what an unauthorised payment is
Explain how the tax charges work
Identify who is liable for tax charges

Guide to later life lending

Describe the importance of later life lending
Identify who it would suit
Explain some features of some of the products