Bristol and Cheltenham Summer Conference

Don will be available for further conversations with delegates, throughout the event

The Chancellors’ Autumn Statement has brought about tax changes for us all, especially your high net worth clients. With changes to Capital Gains Tax, dividend tax changes, frozen or reduced thresholds and allowances, etc., it all adds up to a greater tax burden. To combat this, we need to get creative, and take advantage of the governments' generous incentives in meeting client's needs. That means upgrading your toolkit and looking at alternative investment solutions like VCT and EIS as complementary tools. In this presentation we will review the changes in the budget through a client lens, and address the challenge of long term pension planning with ever changing pension rules. We will bring this to life by looking at a typical personal savings journey from 1990. Lastly, we will explore the financial planning solutions that could be used to manage some of these changes and the minimise the impact on your clients.

Learning objectives:

• Understand the main budget changes and potential impact on your clients.
• Identify advice opportunities for clients effected by legislation and budget changes.
• Articulate solutions that can be used with clients these clients and the tangible impact these can have.
• Understand how you can satisfy your Consumer Duty obligations through tax planning conversation.

Are you still comfortable with your existing CIP, or is Consumer Duty forcing you to reconsider? Evelyn Partners would like to share their thoughts on why they believe advisers should consider closed ended funds within a model portfolio and why your proposition should (for some clients) move beyond a traditional basket of collectives.

Learning outcomes

• To reinforce understanding and awareness of consumer duty with a focus on investment management.
• To examine whether investment decisions previously made are still fit for new investors.
• To learn more about closed ended funds and how they can be incorporated with a model portfolio.

Our active range of model portfolios offers something different to the traditional basket of collective and so with the advent of consumer duty and the focus around propositions, pricing, value for money our content is both timely and interesting from a learning perspective.

Refuel and build up your professional network

It is more and more common to have clients who have remarried and have children from a former marriage/relationship. How should such clients approach planning with a family home, their pension and investments? This session will look at the options and implications of different planning routes and consider how to maximise tax efficiency within those structures.

• To look at  the opportunities for post-death inheritance tax planning
• To consider the general financial planning issues for people in second marriages with children from a first marriage
• To look at specific planning issues for such people in relation to investments, houses and pensions, and
• To consider the current landscape for lifetime inheritance tax planning that secures the financial position of a surviving spouse/partner

Overview of Later Life Lending market, examining why clients chose to release equity from their homes. We’ll delve into our mass affluent research, and will discuss Consumer Duty and the importance of product innovation.

Learning objectives:

1. To learn more about the lifetime mortgages market, and whay clients chose to release equity from their home 

2. To find out more about how they could potentially benefit your clients 

3. To learn how consumer duty is impacting the later life lending market? 

Grab yourself some lunch whilst speaking with our subject matter experts