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.
A detailed and finalised agenda will be available approximately 6 weeks before the start of each round of events. You can view the programme by visiting this page, and also by downloading the PFS Conference App. We highly recommend you download the PFS Conference App prior to this event, to ensure you the best experience onsite.
We look forward to seeing you soon and if you have any queries, please do not hesitate to contact the events team at email@example.com.
Please note as a PFS member, you are permitted to attend one event in each series at your preferred location. If you would like to attend more than one and take the opportunity to be a partner, please contact our Partnerships Team for more information.
Non members are welcome to attend their first event per series free of charge. After this, we will contact you about joining the PFS to be able to access further events and services.
Delegates from our recent events said;
‘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.”
As the story goes when Albert Einstein was questioned about a particularly challenging problem, he simply replied, “In the midst of every crisis lies great opportunity”. Well, there's no doubt that we've all faced an unprecedented crisis in the last 2 years but where’s the opportunity for advisers? Sadly, many of us will have either lost a loved one or know someone who has, and the reality of the Covid pandemic is that many more people have realised the need to get their affairs in order. Which brings to mind another well-known saying: ‘There are only 2 certainties in life: Death and Taxes’. So, in this presentation we will take a fresh look at the Inheritance Tax (IHT) landscape and the opportunity that this can bring for advisers to engage with their clients and beneficiaries when
Key points include:
As investors look ahead to later life, their attention turns to maximising wealth: protecting and growing investments to meet their needs, and those of their loved ones. But like a game of Snakes and Ladders, things may not always go to plan. Forces from economic factors to unforeseen personal circumstances can give your clients a lift or hinder them from meeting their goals. So how can you help your clients successfully play the game to both maintain their lifestyle and maximise the legacy they leave their beneficiaries?
In this session, we’ll discuss
After many years of protracted debate about how to address the issue of social care, the government have now announced the introduction of a cap on the amount that any individual will have to pay towards their personal care. In addition, it is proposed that the capital limits will be increased. There are also other aspects outlined in the proposals that need consideration. In this session Just will look at the various aspects that have been proposed by the government and consider the realities and what effect they will actually have for those that self-fund their care. By using examples, Just will explore the workings of the cap and demonstrate how important regulated, qualified advice will be in order to bring peace of mind for individuals and their families who are all in a vulnerable position. Just will also summarise the different ways that care might be funded from both a state perspective, through to all privately funded options. Importantly Just will also explore how the costs can genuinely be capped and bring certainty to a very uncertain situation.
When considering retirement and later life, investors seeking consistent returns or attractive levels of income have recently struggled. The pandemic has caused increased volatility for global equities, interest rates continue to remain low, ensuring bonds continue to provide poor real returns, and many companies have reduced their dividends. Alternative asset classes can provide stability for an investor’s portfolio in the current climate, helping to achieve the attractive and dependable returns investors are seeking. Advisers focused on client’s overall portfolio construction through exposure to different asset classes may see real value in allocating to alternatives. Throughout this session, TIME will explore the investment benefits of investing in real assets as well as the tax advantages alternative asset classes can offer, including Inheritance Tax mitigation through Business Relief and creating a tax-free income stream through ISAs. With many investors increasingly concerned about how their investments can have a positive impact on the world, many sectors such as renewable energy infrastructure and commercial forestry have environmental benefits that can be quantified and shared with clients. Long income property funds can also have a huge societal benefit, with many focussing specifically on social infrastructure.
More retirees than ever are choosing to separate in later life, with one in four divorces now happening over the age of 50. The end of such a significant chapter is never easy and the strain of divorce isn’t purely emotional. Divorce can also have a huge impact on financial wellbeing, particularly as clients approach retirement. When it comes to sharing assets such as pensions or property, seemingly reasonable decisions can leave your clients seriously disadvantaged. Financial advisers can play a critical role in helping divorcing couples find financial fairness. In this session, Legal & General will focus on the advice opportunities, the challenges and the support that is available for advisers looking to develop their knowledge and expertise in this area.
Any firm that provides advice and guidance for those in later life is likely to have to deal with bereavement at some point, typically that of a client or a family member of the client. This is all the more salient following the coronavirus pandemic and finding support following a death can be key to ensuring that the lives of those bereaved can be rebuilt. The National Bereavement Service is a not-for-profit company and a member of the National Bereavement Alliance. It offers practical and emotional support to guide those bereaved through what needs to be done, for example introducing the bereaved to trusted partner organisations in both the private and charitable sectors or providing useful information on the statutory requirements following loss. This session will explore the nature of bereavement and how this service can support financial advisers when faced with client related bereavement.
One of the key aspects of giving advice to those in later life is the involvement with fiduciaries, especially those with powers of attorney and in the case where clients have lost capacity deputies and professional deputies. This session looks at Lasting Powers of Attorney, their application, common mistakes when making them and how they interact with key aspects of later life advice. It will also bring delegates up to date with recent proposals from the Ministry of Justice in respect of Lasting Powers of Attorney and the Small Payments scheme
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.
Cecilia Furner, DipPFS
Legal & General Retirement Solutions
Company: Legal & General Retirement Solutions
Cecilia heads up the Strategic Partnerships team within Legal & General Retirement Solutions, her team is responsible for developing successful strategic relationships within the intermediary market. Cecilia’s career stretches over 20 years in financial services, during which time she has held key senior business development roles at various providers. She is a member of the Personal Finance Society and has a postgraduate Diploma in Financial Planning.
Company: TIME Investments
Bob joined TIME in September 2014, having previously spent 12 years at Aviva. Bob is originally from Glasgow however on joining Aviva’s graduate programme he spent time in London and Cheltenham before settling in Manchester. At Aviva, Bob looked after a panel of key accounts, primarily in the Manchester area. Bob works closely with Lee, providing support to advisers across the North West. Bob holds a BA Hons in Business Studies and Economics from the University of Stirling and has since achieved FPFS status and most recently the IMC qualification.
Simon is a Senior Director leading our Business Development team, responsible for relationships with investors and their advisers. For more than 35 years he has worked with preeminent UK financial institutions, developing a deep understanding of regulated advice and investment management. Simon is both a Chartered Wealth Manager and Fellow of the Chartered Institute of Securities and Investments.
Graham Duffy is a Care Specialist with Just. Graham shares his knowledge of the retirement and later life markets with intermediaries through the delivery of business development presentations and workshops. He has over 40 years’ experience in financial services, working in the Lloyds reinsurance market for 23 years and then becoming an instrumental part of the new Long-Term Care division at Partnership. He is committed to developing all aspects of care fees planning. Graham’s expertise puts him in an ideal position to support financial intermediaries and their clients to benefit from the considerable opportunities this market presents. He lives near Stow-on-the-Wold with his partner and is an enthusiastic golfer. He has three children and three grandchildren.
National Bereavement Service.
Company: National Bereavement Service.
Starting her career as a nurse and a midwife, Anne has worked for over 30 years providing care for bereaved people within both the NHS and legal sectors and developed strong relationships with third sector organisations. She has used her understanding of process and administration together with excellent communication skills to interpret complex procedural information into accessible English. This included working with government, professional bodies and financial institutions to create documents and web content for the public. Anne was the author of the final two editions of Which? Books What to do when someone dies. She joined National Bereavement Service in 2020. Anne has a comprehensive understanding of the whole experience of bereaved people, both practical and psychological and is experienced in sharing knowledge and skills with both the public and a wide variety of professionals.
Tony Miles MBA, DipPFS
My Care Consultant
Company: My Care Consultant
Tony Miles MBA, DipPFS is Technical Director of independent care navigator My Care Consultant. He has spent over 35 years in financial services, more recently as Head of Strategic Sales for Partnership (now Just) where his passion for ensuring consumers access professional advice when sourcing and funding care took root. Tony also runs his own consultancy firm through which he supports the work of the Personal Finance Society in respect of later life issues and is the Secretariat for the recently launched Financial Vulnerability Taskforce.
Company: BlackFinch Investments
With over 30 years’ experience, Sarah joined Blackfinch in 2014. Her career spans banking, property & the media sector before returning to financial services in 2010. She holds a Tax & Estate Planning Accreditation in BR, EIS & VCTs and has completed the PRI Academy’s Foundation Course in Responsible Investment.
The Mere Golf Resort and Spa in Cheshire is set alongside The Mere Lake and is close to the picturesque town of Knutsford.The bustling cities of Manchester and Liverpool and the historic city of Chester are all within easy reach.There are excellent transport links with Manchester International Airport only ten minutes away, a frequent two hour train service to London from Manchester Piccadilly and the M6 and M56 motorways close by.
Parking and WiFi complimentary to all guests.
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.
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 firstname.lastname@example.org to clarify this.
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).
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.
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 email@example.com.