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: Rachael Dunbar-Nasmith, 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:
Tom will firstly provide an update on the global investment market outlook. He will then look in detail at the rise over the past few years of passive investing, the investment vehicles involved, the advantages of that approach compared to traditional active management, and how best to employ both within our clients’ portfolios. Tom will then give an investment manager’s view on how to construct multi-asset class client portfolios, avoid ‘false diversification’, and talk through some examples of seemingly medium risk balanced portfolios, but with radically different underlying investment characteristics.
For people with diabetes, taking out life cover can be a long and complicated process, with many struggling to find competitively priced insurance. So we’ve created life cover designed specifically for people with type 1 and type 2 diabetes mellitus. We’re offering people with diabetes tailored cover with premiums that can be reduced to reward good control of the condition. Diabetes Life Cover offers a much simpler application process that’s specifically tailored to people with diabetes – so we don’t need to ask any unnecessary questions. Your clients will have access to our Helping Hand support service from the day their plan starts. This gives them access to a dedicated nurse who can provide tailored support for as long as it’s needed.
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.
Edgewater Associates Ltd
Cornelian Asset Managers
Company: Cornelian Asset Managers
Rachael, a CFA charterholder, leads the Marketing & Investment Communications Team, responsible for marketing, external communications, branding and PR, also supporting the Intermediary Team with sales content and analysis. Rachael began her career at Standard Life Investments in the UK Wholesale team. Prior to this, Rachael attained an MSc with Distinction in Finance and Investment from the University of Edinburgh.
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.
Hockney Stevens Chartered Financial
Hockney Stevens Chartered Financial
Karl Steadman is a Retirement and Later Life Specialist at Just. Karl shares his knowledge of the retirement and later life markets with intermediaries through the delivery of high quality presentations and workshops. He has over 22 years’ experience in financial services, working as an adviser and with product providers. Karl joined Just in 2009. Over the last 10 years, Karl has gained in-depth experience of the retirement income, lifetime mortgages and care markets.
Thornton Chartered FP
Chartered Financial Planner at Paul Duckworth IFA
Canaccord Genuity Wealth Management
Company: Canaccord Genuity Wealth Management
Tom is the lead portfolio manager for a significant number of IoM based and international clients investing into multi-asset and multi-currency collective fund and direct stock portfolios. Tom’s discretionary managed, advisory and stock broking clients include HNW individuals, personal and corporate pension schemes, investment companies, offshore and charitable trusts, and regulated collective funds. Tom joined Canaccord Genuity having previously been Managing Director of Thomas Miller Investment (IoM) when that firm’s private client business was acquired in 2019. Tom holds a BA(Hons) in History from the University of York, an MSc in International Banking & Finance from the IoM’s International Business School, and he is a Chartered Fellow of the CISI. Tom previously served as a commissioned officer and pilot in the Royal Air Force.
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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.