We've taken member feedback on board and are making some exciting changes to our specialist roadshows during 2023. You can expect:
Throughout the event the focus will be firmly on topical and insightful business updates around retirement and later life advice which can enhance the quality of advice you provide to your clients. As well as counting towards your CPD requirements, the conference offers a great opportunity for networking and exchanging ideas with your peers during the coffee and lunch breaks.
Join us as we explore the latest thinking around retirement and later life advice, while providing practical planning points and actions to support advisers in continuing to deliver better consumer outcomes.
Inheritance Tax (IHT) has never been more topical. Both the nil-rate band (NRB) and residence nil-rate bands have once again been frozen by the Chancellor and projected IHT receipts are about to hit record levels. For many clients this will be the first time they have seen house prices and asset values fall, with high inflation and rising interest rates this creates a number of challenges. Older clients may also be concerned as to how they can effectively fund their retirement whilst making provisions for later life care. With that, the biggest wealth transfer to ever take place is happening now and financial advice plays the important role of ensuring that clients can live comfortably today and pass on wealth generously in the future. Baby Boomers are said to be the wealthiest generation, controlling 80% of the UK’s wealth and in many cases, they are also the largest demographic obtaining advice. With Millennials and Gen Z set to benefit from that inheritance, it raises the question - how will you advise the next generation? During this session, TIME will explore the generational landscape, top tips for engaging clients of the future, and how estate planning strategies can play an important role in this process.
Articulate the reasons for concern around IHT, and why Business Relief investing may be an attractive option for many clients
Identify intergenerational planning opportunities within your existing client bank
Understand the characteristics of different generations and routes to engage with Millennials and Gen Z
How has the investment landscape changed?
Will the current strategy yield the same results?
It won’t be easy, but there are some rules that can be followed
Refuel and build up your professional network
The cost-of-living crisis continues, as inflation remains elevated at the highest levels for over 40 years. As a result, this year we have seen volatility and wild gyrations in financial markets, as investors come to terms with this new normal. Many clients will be looking to safeguard their retirement income in this volatile environment. We will discuss how you can adapt retirement income strategies, whilst remaining focused on client objectives.
Identify how clients’ objectives and priorities in retirement have changed
Explain the impact of volatile economic environments on a client’s retirement objectives and portfolio
Describe how a layered allocation approach could be used effectively to underpin a client’s retirement portfolio using guaranteed income
Business Relief (BR) has existed for decades and is now a key pillar of the government’s strategy of directing growth capital to companies that need it. Investors may be handsomely rewarded for investing in businesses and products that qualify for BR. For those embarking on later life financial planning, the allure of freeing assets from inheritance tax may be strong. But there are risks. What if BR legislation were to change? What market risks are you exposing your clients to? How credible are the solutions available? This presentation from Close Brothers Asset Management will address some of these concerns and look at the type of clients who may typically benefit from considering BR. It will explore the origins of this legislation, how financial planning and investment advisers can work together to provide successful strategies to mitigate IHT, and will focus expertise on one area: smaller company investing to achieve BR. What are the opportunities? Where are the pitfalls? How can we manage the risks? How
Grab yourself some lunch whilst speaking with our subject matter experts
Producing a retirement income that is resilient in the face of a changing economic environment can be challenging. Increasing inflation and interest rates are leading many advisers to reassess elements of their portfolio asset allocations. In the current climate, the outlook for fixed income has become challenging, especially since interest rate increases can have a detrimental impact on capital values. So how do you build an income portfolio that copes with the ups and downs of the investment and economic landscape and also the changing circumstances of clients? In light of a New Consumer Duty, demonstrating that clients are receiving the outcomes they were expecting is absolutely paramount. We are in a challenging period and who knows for how long? Some would say that It’s in less than buoyant times that advisers add massive value. At the same time, we have seen substantial increases in the rates of guaranteed income available. In this session we will examine how this can form part of the client’s o
Recognise the current economic and regulatory challenges around retirement income
Consider how higher levels of income can be sustained
Understand how legacy provision can be improved
Explore how retirement plans can be made more resilient
Refuel and build up your professional network
Asset Protection Trusts (also sometimes called ‘Lifetime Trusts’,‘Lifetime Protection Trusts’, ‘Property Protection Trusts’ or ‘Estate PreservationTrusts’) are sometimes marketed as a solution to reduce care home fees or save on Inheritance Tax. In this session, leading law firm Shakespeare Martineau will clarify matters with reference to case studies as well as look at alternative ways clients can ring fence assets.
Now that the much heralded care reforms for England have been deferred for two years, the requirement for advice for those in need of care and their carers and legal representatives is arguably greater than ever. In this session Tony Miles will provide an update on the state of care reforms across the UK and highlight four specific advice opportunities for 2023 that all advice firms should consider.
This event has been accredited by the Personal Finance Society and the CII and can be included as part of your CII CPD requirement should you consider it relevant to your professional development needs.
Company: TIME Investments
Victoria joined TIME in June 2021 from LGT Vestra, having previously spent over four years with Octopus Investments where she had a primary focus on developing and maintaining strategic relationships. Victoria works closely with financial advice networks, wealth managers, and professional bodies, helping them to add value to advisers and their clients.
L&G Assurance Society Ltd
Company: L&G Assurance Society Ltd
Basil Anderson, DipPFS, Dip CII Key Account Manager Basil joined Legal & General in September 2018 from ARAG plc, a legal expenses insurance specialist where he managed the company’s key insurer relationships. Basil previously worked for Allianz as a Partnership Development Manager creating new corporate partner relationships with banks, building societies, large retailers and vehicle manufacturers. Basil works with key accounts in the South West of England, helping them to grow their business through our range of retirement solutions.
Close Brothers Asset Management
Company: Close Brothers Asset Management
Tony has over 17 years’ investment experience and is Head of Investment Specialists at Close Brothers - a team providing investment advice and consultancy to a wide range of financial advisers and clients. Before joining Close in 2017 he spent almost 10 years at UBS Jersey, first in investment banking and latterly wealth management specialising in advising UK resident-non-domiciled high net worth clients. He has also worked at Bankers Trust, Hyposwiss and St. James's Place. Tony is a Chartered Fellow of the Chartered Institute for Securities and Investment, holds a post-graduate qualification in Broadcast Journalism from City, University Of London, and a BA (Hons) in French and Geography from Keele University. He loves food and travel and speaking pretty bad Spanish! He lives with his wife and two young sons near Southend in Essex.
Company: Shakespeare Martineau
Heledd Wyn is Head of Private Client at award winning legal firm Shakespeare Martineau. A full member of the Society of Trust and Estate Practitioners, she is an accredited member of Solicitors for the Elderly and in 2021 was awarded 'Lawyer of the Year' at the Bristol Law Society Awards.
Miles Associates Ltd
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