The science of retirement, compliance (PROD) & the real value of advice
We are kicking off our 2019 events programme by addressing some hot topics, whilst also focusing on the ultimate soft skill for advisers; demonstrating the real value of advice.
We have a terrific line-up of subject matter expert speakers, focused on educating and inspiring members. Your local quarter one regional conference provides a great opportunity to network & share good practice with your peers and secure 4 hours 35 minutes of structured CPD. Programme highlights include:
View the full programme by clicking the link on the right and be sure to secure your free place by registering now.
2018 has been a difficult year for most asset classes as they’ve faced a mounting set of economic, political and policy related headwinds. As we move into 2019 we will consider whether these headwinds are heralding the end of the current economic and market cycle or not and what the implications are for investors.
Our industry is awash with TLA’s, I mean three letter acronyms. Our other favourite past time in the financial services sector is to explain ourselves through the use of numbers, charts and sometimes line drawings. When we present these to advisers and ultimately advisers use these with their clients, do they give any additional clarity and quality to an informed conversation or are they misunderstood or worse, confusing? Indeed, when we discuss what’s happening around the world we try to take complicated economic circumstances and put them into an easy to see chart. But do these charts really give us any ‘useful’ information? There are lagging indicators / leading indicators, surprise indices / surveys, yield curves / and spreads. What do they tell us? What can they be used for? What we should be looking for?
Markets dislike uncertainty and perhaps nowhere has this been more apparent than in the UK over recent years. As politics has taken centre stage and Brexit has rumbled on, so has the unrelenting negative sentiment towards UK equities. In a lively presentation, Fidelity will challenge this narrative - assessing the current fundamental and valuation backdrop and analysing whether now in fact could be an opportune time to initiate or increase exposure to domestic equities. They will also look further ahead and explore some of the key themes that could shape the investment landscape in the UK over the next decade. In particular, exploring how demographic trends, technological advancements and changing consumer habits are intersecting and influencing an ever wider set of sectors with new winners and losers emerging.
Today we are on the cusp of a number of changes affecting financial advice, such as MIFID 2, changing FCA regulations, potential stock market corrections, changing client attitudes, as well as the threat, and opportunity, of technology. All of these factors could have an impact on the fees that people are prepared to pay for advice. Throughout the last 30 years financial advisers have added significant value to their clients, and their families, lives. This has been achieved by providing peace of mind: protecting the family, ensuring a happy retirement and supporting the estate. However, it has often been difficult to quantify and articulate this value. This presentation will focus on a pragmatic analysis of the potential challenges facing advisers. It will then demonstrate strategies and tools that can be used to help demonstrate the huge impact of receiving on-going professional advice. Financial advisers have been Making A Difference to their clients’ lives for decades and this presentation will help to quantify and prove it.
Recent research suggests that a large percentage of advisers are not aware of the PROD rules that have been issued by the FCA under MiFID II. Product Governance is at the very heart of the suitability journey and the FCA has created a new set of regulations which required compliance by January 2018. This presentation by Square Mile will examine the PROD regime, what adviser firms need to look out for and what they need to do to comply with the new regulations.
Since Bill Bengen pioneered the ‘safe’ withdrawal rate research in 1994, researchers have developed several adaptations to the original framework, from the Guardrail strategies developed by financial planner Jon Guyton, to the Ratcheting rule developed by Michael Kitces. Further research identified that spending tends to decline progressively in retirement. This led researchers to coin terms such as the ‘Go-Go’ years, ‘Slow-Go’ years and the ‘No-Go’ years, to describe the unique phases in retirement. This session is a deep dive into the research behind the sustainable withdrawal rate framework.
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.
Exeter's award-winning Conference, Banqueting and Events Centre and home to Devon's Aviva Premiership rugby team, the Exeter Chiefs. Sandy Park has the flexibility to host from large exhibition events to small meetings, all within easy reach of the beautiful cathedral city of Exeter and the stunning scenery of the Exe Estuary, East Devon and beyond. The venue is conveniently situated by junction 30 of the M5 and only ten minutes from Exeter International Airport.
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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.
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Please click here to view the schedule of forthcoming Conferences, regional events and what CPD sessions will be covered.
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 firstname.lastname@example.org after the Conference and we will send you the presentation slides.
The dress code is business attire.