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.
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:
Speaker: Karl Steadman, Just.
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;
Protection means different things to different people , are we as an industry guilty of not making things clear and easy to understand? Why is the protection of a client’s income often overlooked and pushed down the order of priorities after life and critical Illness cover? What happens if they are self-employed? We will also highlight how Income protection for somebody who is self-employed could lead to introducing the benefits of Relevant Life Plans to provide them with some valuable family protection.
Speaker: Robert Betts, Legal & General
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.
Polygon Financial Ltd, Victoria Hou
Cornelian Asset Managers
Company: Cornelian Asset Managers
Andrew joined Cornelian in April 2015 from 7IM where he was responsible for Intermediary relationships in respect of Funds, Model Portfolios, Discretionary Fund Management and Platform services. Andrew has previously held various Managerial roles at Macquarie International Bank and Aviva, encompassing Sales, Pensions, Strategic Relationships and Investment Development. Andrew has over 20 years' experience in the Intermediary market and is a member of the Chartered Institute for Securities and Investment and holds the IMC. Andrew is responsible for adviser relations in the North West and West Midlands.
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.
IDS Financial Services Ltd
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.
Kirsty began her career in 1999, working for Standard Life and Royal London prior to Prudential. Throughout her career she’s worked in various roles, all of which have been client or adviser facing. Initially focused on the Corporate Pension market she spend the majority of her time interacting with employers, employees and advisers however the last six years have seen her focus shift to the individual market, with the Retirement and At Retirement market being her area of specialty. An experienced public speaker, Kirsty enjoys presenting and translating complicated pension matters into plain English! When she isn’t focused on pension matters, the majority of her time is spent on her other specialist career……a personalised taxi service to her 7 year old daughter!
E B Associates Group, London House
Legal & General
Company: Legal & General
Robert specialises in intermediary sales & development, with a focus on family, business & high value clients. He is key to the ongoing evolution of Legal and General’s adviser support, and is influential in the design and delivery of Legal and General s protection sales and business protection education workshops. Robert is recognised as a protection and plays a key role in helping advisers to develop their knowledge and understanding of this sector of the market.
Company: moneyinfo limited
Sim is Business Development Director for moneyinfo and has 13 years experience in the Financial Services industry including 7 years at 1st Software (now Iress) and 2 years at FinQS before joining the board of moneyinfo in 2010. His specialisms include proposition development and advising on digital strategy for a large range of clients from small to national adviser firms to wealth management businesses and workplace specialists. Sim has a BA in Economics and a number of financial qualifications including the Investment Management Certificate (IMC). Sim has delivered talks at a number of high profile events over the past 5 years, more recently on how the moneyinfo client portal technology can be used to address the challenges of GDPR. Notable events have included TEDx, Meeting of Minds and Money Marketing Interactive.
A Georgian mansion style hotel built around a central courtyard and surrounded by beautiful grounds. Leave the M6 at Junction 23. Follow signs to Haydock Park Racecourse onto the A49 North towards Ashton-in-Makerfield. Once on the A49, take the first left, go under the bridge and take the next left into the hotel entrance. Newton Le Willows Train Station is 2.5 miles away and the closest airport is Manchester (22 miles).
Public outdoor parking is available and WiFi is complimentary for all guests.
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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.
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.
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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.