East Midlands Specialist Regional Roadshow | Retirement & Later Life | H2 2021

We’re delighted to announce our phased return to events in September 2021!

We would like to introduce our series of renowned specialist Retirement & Later Life roadshows. The realities of an aging society mean more clients and advisers than ever are seeking clarification to approach life planning in new ways. The world has radically shifted as a result of the pandemic, with client expectations, aspirations and needs ever-changing; increasing the responsibility placed on advisers to respond in terms of both their understanding and advice process.

Join us as we explore these topical areas, providing practical planning points and actions to support advisers in continuing to deliver better consumer outcomes.

Programme highlights include:

  • Are you a safe pair of hands?
  • Fixing the care crisis
  • Retirement reviews – covering all the bases

Download the full agenda and book your free place now by following the links on this page.

Lunch/refreshments will be provided. Please note that we anticipate high demand for delegate places, so early registration is advised.


COVID Guidelines

We are delighted to be returning to face-to-face events and want to reassure you that the health and safety of our staff and members are our priority and we remain committed to making your experience as safe and enjoyable as possible.

Whilst restrictions have now been lifted, we will still be recommending important procedures and will be working together with the venues, to ensure a safe and successful return to physical events. We ask you to please follow these guidelines, where possible to ensure a safe environment for all attending.

  • Please do not attend events, if you have any COVID symptoms, please click here for up to date NHS information
  • Take a lateral flow test on the morning of the event, allowing at least 30 minutes for accurate results.  Please click here to order directly from the NHS website.
  • Please check in via the NHS track and trace app, on arrival
  • Encouragement of wearing facemasks in public areas (unless seated)


Whilst social distancing is not a government recommendation, we will be limiting capacity at events, to allow additional space around the venue.  Please book now to secure your place, these will be available on a first come, first served basis.

We look forward to seeing you soon and if you have any queries, please do not hesitate to contact the events team at regionals@thepfs.org.

 

A selection of delegate feedback from recent PFS specialist events:

“A first-class event and selection of speakers. Thank you.”

“A well organised, informative event with an excellent blend of topics.”

“Excellent. Extremely informative and educational.”

 

Please note the agenda is provisional and may be subject to change.

Programme  

08:45 - 09:30 Registration



09:30 - 09:40 Chair Introduction

Speaker: Alan Sensicall, ADS Financial Planning

09:40 - 10:00 Are you a safe pair of hands?

This short session will ask delegates - 'are you a safe pair of hands?'. It will look into some of the fundamentals of client vulnerability and the reasoning behind the launch of the independent Financial Vulnerability Taskforce. It will highlight the Taskforces Charter and and how visible support of it allows your firm to align with an independent set of standards as well as the expectations of the FCA. In adopting the Charter it will also enable firms to promote their own approach and commitment to treating customers and clients fairly.

 

Speaker: Tony Miles, Secretariat of The Financial Vulnerability Taskforce.



10:00 - 10:35 Retirement reviews – covering all the bases

Over recent months, there has been a lot of focus on retirement income advice. However, we need to make sure that everything is closely monitored on an ongoing basis. The Personal Finance Society’s Good Practice Guide on Income Drawdown states that ‘firms should scope out, document and follow a defined process that is able to evolve. It must include a process to cover the onboarding of new clients and a robust review for existing clients’. Many aspects of later life planning might fall into non-regulated areas. For example, whilst consumer vulnerability is not limited to those in later life, there tend to be some elements that present themselves more as people get older, so there is a lot to factor in. In this session, we’ll look at a number of ideas as well as industry guidance to show how to review a client’s plan throughout retirement and into later life. We’ll also consider what the regulation tells us about service design and segmentation to ensure that the process remains aligned to each client.

  • Examine the key factors in a review process 
  • Discuss key industry guidance on good practice relating to pension reviews 
  • Recognise the impact of health and ageing 

Speaker: Martin Lines , JUST

10:35 - 11:10 Decumulate Differently

Every client has different objectives for their retirement, and deserves a bespoke decumulation strategy that incorporates flexibility and certainty. We want to shine a spotlight on the opportunities presented by longer and more diverse retirements.

In this session we will explore:

  • Retirement outcome risk – durable decumulation in later life: we’ll consider the key challenge of managing risks in the decumulation phase of retirement and discover how a layered approach to retirement planning can help meet a client’s objectives.
  • The value of property wealth under management: we’ll discuss how you can broaden your proposition to use later life lending products to access property value as part of holistic financial planning, both at and in retirement.

Speaker: Marie Catch, Legal & General Home Finance

11:10 - 11:15 Professional Qualifications Officer



11:15 - 11:35 Morning Break



11:35 - 11:40 Chartered Champion



11:40 - 12:15 Business Relief Investments and leaving sustainable legacies

When considering effective legacy planning, it is important to gain a true understanding of a client’s beliefs, values and aspirations. For some clients, legacy planning is primarily focused on ensuring that their wealth is passed on to their loved ones. Others may be keen to use their investments to generate positive change, seeking investment opportunities in sectors that improve the world we live in, and create a positive impact. Some Business Relief investment services can offer a dual benefit; providing a fast and flexible way to pass down wealth, whilst also providing a direct route to sustainable investments, such as clean energy generation. TIME’s session will take a deep dive into the concept of legacy planning, whilst examining the underlying assets held within their BR service. The session will also look to provide the audience with an understanding of specific planning opportunities that can help to protect and maintain a financial legacy for future generations.

  • Build on practical tips, skills and techniques to help clients uncover personal and financial legacy aspirations, and to build stronger relationships with future generations
  • Articulate the importance around investing sustainably, and what that means in the context of intergenerational planning.
  • Understand how BR investments can help provide a sustainable financial legacy for future generations.

Speaker: Harry Donoghue, TIME Investments

12:15 - 12:50 Business Relief Investments and working with Fiduciaries

Many advisers with older clients can find themselves dealing with fiduciaries, typically attorneys appointed under an LPA or EPA (in England) or Continuing Power of Attorney (Scotland). When it comes to attorneys and investments for estate planning, including Business Relief (BR), issues around advising the Court of Protection, suitability and potential conflicts of interest may come in to play. In this session, Puma will look at these and other related matters with reference to specific legal cases, highlight best practice and discuss ways that BR Investments might be made by attorneys.

  • Understand guidelines in place along with the allowances for tax free gifts  
  • Appreciate duties and responsibilities of fiduciaries when discussing investment decisions
  • Recognise where business relief investments may be made by attorneys and key points to consider

Speaker: Karen Sullivan, Puma Investments

12:50 - 12:55 Education Outreach Ambassador

Speaker: Alan Sensicall, ADS Financial Planning

12:55 - 13:35 Lunch



13:35 - 14:10 The biggest risk in retirement planning? Fear

Money is emotional. And when it comes to retirement, the risk of running out of it can cause many otherwise rational investors to panic. As advisers, not only do you have to build the plans to address challenges such as longevity risk and inflation, but you also have to coach your clients through the crises of confidence that events like Covid bring. In this session, we’ll be taking a look at retirement planning through a behavioural finance lens and explore: The concerns that later life planning brings The cognitive biases that may affect the success of a plan How to address – and calm – these biases to ensure that clients stay on track

  • Understand the concerns experienced by investors in later life planning 
  • Identify the cognitive biases they may face 

Speaker: Andrew Donald, Seven Investment Management

14:10 - 14:20 Membership Officer



14:20 - 14:55 Fixing the Care Crisis

After years of delay, and following the spotlight put on care by Covid-19, it would seem from press commentary that we can soon expect an announcement from the UK government in respect of a plan to transform social care across England. Government sources suggest the PM is 'comfortable with some sort of tax' and the plan is likely to include a cap on payments by the elderly. This session will summarise the latest position and in the event that the government plans are known an analysis of its strengths and weaknesses from both a policy and consumer need perspective.

Learning objectives:

  • Understand the issues that underpin UK care in crisis 
  • Review the options for funding social care that the government can/did consider and what can we learn from other countries
  • Analyse the governments recently announced plans and how far does it address the issues

Speaker: Tony Miles, My Care Consultant

14:55 - 15:00 Chair's close



CPD

CPD CII Scheme
 
PFS Accredited 3h 50min

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.



Speakers  

Alan Sensicall

ADS Financial Planning

Martin Lines

JUST

Marie Catch

Legal & General Home Finance

Karen Sullivan

Puma Investments

Harry Donoghue

TIME Investments

Andrew Donald

Seven Investment Management

Tony Miles

My Care Consultant

Alan Sensicall

ADS Financial Planning

Venue  

Hilton East Midlands Airport

Junction 24, M1, Derby Road
Derby
Derbyshire
DE74 2YZ


Partners in professionalism

FAQs

Click on the ‘Book Now’ button above. Once you have logged into your PFS account you will be taken to the booking pages for this conference.

Yes. If the Conference or session you want to attend is full, there are often cancellations so if you go on the waiting list it is likely you will be able to attend. Click on the ‘Book Now’ button above to go onto the Waiting List.

You can amend your registration details by logging into your Events profile. Click on the ‘My Events’ button to do so now.

It could be that you have entered your email address incorrectly or that you have switched to a new email address, or that for some technical reason your registration failed. Please contact the Personal Finance Society Conference office at regionals@thepfs.org and we can check your records.

At the present we are not able to automatically upload the CPD records, but we hope to be able to offer that service in the near future.

Please also note that you MUST sign in at the Conference for all sessions you attend in order for the Conference Office to validate your attendance.

You will be able to download your CPD Certificate from the PFS website after the event, and will receive an email within 48 of the event with the link to download your CPD certificate.

If you are unable to download your CPD Certificate after 48 hours, please email regionals@pfsevents.org to clarify this.

Please click here to view the schedule of forthcoming Conferences, regional events and what CPD sessions will be covered.

For general information and links about the CPD process, please click here.

To log-in and view your CPD records, please click here.

If you have any further queries about CPD, please contact the Personal Finance Society /CII on 020 8989 8464.

We will do our best to accommodate all dietary requirements. You can make us aware of this as part of the registration process, or update your Event Profile on the PFS website (click on My Events to login and then edit your requirements on your Event Profile).

Please email the Conference Office at regionals@thepfs.org after the Conference and we will send you the presentation slides.

The dress code is business attire.

We are delighted to be returning to face-to-face events and want to reassure you that the health and safety of our staff and members are our priority and we remain committed to making your experience as safe and enjoyable as possible.

Whilst restrictions have now been lifted, we will still be recommending important procedures and will be working together with the venues, to ensure a safe and successful return to physical events. We ask you to please follow these guidelines, where possible to ensure a safe environment for all attending.

  • Please do not attend events, if you have any COVID symptoms, please click here for up to date NHS information
  • Take a lateral flow test on the morning of the event, allowing at least 30 minutes for accurate results.  Please click here to order directly from the NHS website.
  • Please check in via the NHS track and trace app, on arrival
  • Encouragement of wearing facemasks in public areas (unless seated)


Whilst social distancing is not a government recommendation, we will be limiting capacity at events, to allow additional space around the venue.  Please book now to secure your place, these will be available on a first come, first served basis.

We look forward to seeing you soon and if you have any queries, please do not hesitate to contact the events team at regionals@thepfs.org.