Invaluable CPD & skills training
The Personal Finance Society’s quarterly Regional Conferences offer members a full day of topical, insightful and business relevant CPD, delivered by leading subject specialists.
Attendance also offers the opportunity to network and share good practice with your professional peers, local to where you live and/or work.
There will be updates on research, new developments and initiatives from the Personal Finance Society and your local PFS Regional Committee will be happy to share information about member services, qualifications and pro bono initiatives.
Join the conversation on twitter and be sure to register now to secure your free place at this event.
Investors face no shortage of challenges – a slowing global economy, ongoing trade disputes and rising geopolitical tensions dominate the headlines. Amongst all of this, the demand for growth and income continues unabated and so a new approach to achieving investment goals whilst managing risk is needed. The ability to manage portfolio risk ‘dynamically’ is crucial in order to achieve our clients’ investment goals – but what do we mean by this, and how does it actually work in practice? We will look at the various sources of risk indicators, how we can interpret these, and as a result, which levers we can pull in the multi asset universe in order to alter portfolio risk positioning. We will explain how this is implemented in ‘real life’ scenarios and highlight the importance of a truly flexible approach to portfolio construction.
Speaker: Chris Warren, Cornelian Asset Managers
In an industry creating increased complexity, regulation putting the responsibility of client understanding on the adviser, and markets likely to incite clients to ask difficult questions, we need to speak ‘client’ rather than ‘finance’. 1. What will get a client’s attention? 2. How can we keep the client interested and engaged long enough to receive the information? 3. What do they want or need to know? 4. How are their feelings connected to their outcome? 5. Are we chasing the wrong returns?
By the end of this session you will understand:
In recent years, the regulator has continued their focus on how to create an environment where clients are getting good outcomes. In the retirement advice arena things have changed, particularly with the advent of pension freedoms. There was, perhaps, a definitive track to run on in the past, when it came to taking retirement income. That is no longer the case. There are some great opportunities to give people more flexibility in retirement than ever before, but these are not without a degree of risk. Whilst the pensions advice environment has changed for firms and consumers, the annuity market has also been developing, particularly in the area of personalisation. Whilst, in PS19/01, the regulator has reminded firms about the importance establishing eligibility for an ‘enhanced’ annuity, the accuracy of information to get a ‘market-leading’ rate is specifically highlighted. In fact, seemingly small details can make a big difference. So, what does the future hold? The combination of changing advice models and freedom and choice has led to greater adoption of technology and platforms. What does this mean for the way guarantees are put in place and the interaction with other funds and assets? How can advisers manage the balance between freedom, choice and certainty?
By attending this session, advisers will be able to:
As if pensions weren’t complicated enough, we’ve all had to deal with the dreaded annual allowance calculations. Very topical at the moment due to the introduction of the tapered annual allowance back in 2016, not to mention the money purchase annual allowance. We begin thinking all looks very straight forward, until the realisation hits that not only does the client have a DC pension, they’re also a member of a DB pension scheme. What annual allowance applies – is it the standard or is it the alternative. Of course as soon as you’re dealing with a high earner who is a DB member and has personal savings into a DC then all sorts of numbers need to be considered. We’ll address all of these points, alongside what charge is payable should the unfortunate event arise and summarise this within a very straightforward and allowable case study.
The use of smartphones has grown rapidly over the last decade and now is the time to take advantage of the opportunities that a mobile client experience can deliver to complement your face to face advice. As your clients trusted adviser you are very well placed to develop a digital strategy that works. We’ll show you how to automate your client reporting, provide secure and timely communications and deliver a better client experience all under your own branded app.
This session will help you to;
Speaker: Lou Wallis, moneyinfo limited
With the implementation of the IDD and the Senior Managers Regime due to be rolled out later this year, this session will provide an overview of the final IDD rules as relevant to individual protection, including compulsory training, market awareness, conduct of business and acting in your customers best interests. It will also explore the need to improve access to insurance for consumers with disabilities and pre-existing health conditions, and the steps that intermediaries can take to achieve this as well as improve outcomes. We will look ahead to the Senior Managers Regime and its requirements coming later this year. We are today in many cases triaging the customer out of the sales process - Why?...we will look at the consequence of not putting protection in place, the current application process and clients with pre-existing health conditions. Finally, his session will provide an overview of using price as the primary differentiator - what this drives and what it means for customer journeys and outcomes.
You have been contacted by a couple who are approaching retirement. They have never had financial advice before and while they recognise the need for advice, they are wary of doing so. Together, we will first task look at how to build rapport with new clients who are wary of taking advice. For the second task, we will review the client's key personal and financial information and some general objectives, to consider the additional hard/soft facts we would need to establish, further clarify the client's objectives and identify the issues we would need to consider when advising them. Having done that, the third task will be to devise a retirement decumulation solution that would meet the revised client objectives and address the issues we identified in task 2.
In this interactive session, we will be covering the following:
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: Strategic Solutions
Kevin entered financial services in 1988, working as an adviser and in various management roles, including Banking, Industrial Branch, Direct Sales and IFA. He is a Fellow of the Personal Finance Society and a Chartered Wealth Manager with the CISI. Currently Kevin is serving his fourth year as Chairman of the Hants & Dorset region, sits on a level 7 CISI exam board and is active in several peer groups, both at a local and a national level. He is a founding partner in Strategic Solutions Chartered Financial Planners and the Chairman of Discretionary Investment Manager Casterbridge Wealth.
Cornelian Asset Managers
Company: Cornelian Asset Managers
Chris joined Cornelian in 2014 from Apollo Multi Asset where he was responsible for adviser relationship management. Chris has 22 years investment experience gained in the Asset Management industry, having previously undertaken business development roles at Premier Asset Management and Schroders. At Cornelian, Chris is responsible for adviser relationships in the South West.
Company: Dynamic Planner
Chris Jones is Proposition Director at Dynamic Planner. He is responsible for Dynamic Planner’s investment process proposition and for clients ensuring investment suitability through Dynamic Planner’s investment process. He leads Dynamic Planner’s 14-strong team of analysts and qualified investment professionals. Chris is a member of the Executive Management Team and ensures that the investment expertise is effectively transmitted through the Dynamic Planner application, so that it is usable and understandable by advisers and their end clients. Previously, Chris built and ran investment propositions for Intrinsic, Blueprint and Bluefin, and was a member of the product and technical team at Bradford & Bingley. He has more than 25 years’ industry experience and as both a Chartered and Certified Financial Planner, brings a key financial planning and client perspective to the business.
Certus Financial Planning Ltd
G & C Financial Services Ltd
Jeremy Martin is a Business Technical Manager at Just. Jeremy shares his knowledge of the retirement and later life markets with intermediaries through the delivery of high quality presentations and workshops. He has 29 years’ experience in financial services, working with several leading pension and later life brands, and within an adviser practice. Since 1993, Jeremy has specialised in the retirement and later life markets. Jeremy holds qualifications in Financial Planning, Equity Release, Advanced Mortgage Advice, Life and Pensions and Long Term Care. His expertise puts him in an ideal position to help financial intermediaries realise the considerable opportunities in these key markets.
Colin is a Chartered Financial Planner and a Fellow of the Personal Finance Society. He has worked for Prudential for 19 years starting in the Banking and Finance departments before becoming a Prudential Financial Adviser. For the last fifteen years Colin has been a pension and retirement income specialist, pioneering Prudential's growth in the Individual pension & Income drawdown market. Colin regularly represents Prudential, speaking at seminars and conferences to financial advisers across the United Kingdom. When he’s not working for Prudential Colin volunteers his time as Chairman of the Thames Valley Personal Finance Society, trains regularly at Tae Kwon-do and when he gets time loves to cycle.
Standard Life Assurance Co
Professional Edge Ltd
Company: Professional Edge Ltd
A freelance technical author and presenter, Neil is one of the Personal Finance Society's case study facilitators. He is a well known industry figure and highly experienced author and updater of CII learning materials, as well as being the CII's Lead Tutor for Pensions and also Business Financial Planning. As a fellow of the CII, he is currently Education Officer, as well as a former Chartered Champion and former Chairperson of the Northern Ireland Personal Finance Society regional committee.
Company: moneyinfo limited
Louise started out in the financial services sector working as an administrator. Her next move was to First Software (now Iress) as a training consultant, business consultant, technical consultant and finally a key account manager; helping clients understand how the technology could help gain business efficiencies through its use. Louise joined the moneyinfo team in late 2016 as Support & Adoption manager. Her role involves her in the majority of business functions within the organisation. Ensuring that moneyinfo clients get the most from their moneyinfo portals to address the challenges presented by the GDPR legislation has been one of her core objectives over the past 6 months, putting her in the driving seat when it comes to interpreting how the rules will impact financial advisers and wealth management firms.
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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).
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The dress code is business attire.