London Purely Paraplanning Conference Q2 2020

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We regret to inform you that in light of the advice given by the Government this conference has been cancelled. 

We will be looking to reschedule this in the coming months and will keep you informed as and when we have further information.

The Personal Finance Society are pleased to announce their 2020 Purely Paraplanning conferences, starting in April. With a line-up of superb industry speakers and broad programme of highly topical key presentations, these events will contribute to your enhanced knowledge and annual CPD in our pursuit to drive professional standards in the paraplanning sector.

There will also be plenty of opportunities to network with both your peers and speakers throughout the day and lunch will also be provided.

To see the full agenda see below.

To register please click on the 'Book now' button on the right.


08:30 - 09:00 Delegate Registration

09:00 - 09:10 Chair's Welcome and Introduction

09:10 - 09:45 Pensions - First, In Last Out

The treatment of money purchase pension death benefits improved considerably in 2015 with the Freedom & Choice reforms. Pensions also continue to be one of the most tax efficient savings vehicles available to clients, where contributions continue to benefit from an “Exempt, exempt, taxed (EET)” tax relief regime. This session will cover a brief reminder of the key advantages of tax relief on pension savings, and the IHT advantages and advice considerations for the payment of pensions death benefits.


  • The tax benefits of pension contributions and the taxation of pensions death benefits.
  • The importance of nomination forms.
  • The lump sum and income options for pension death benefits.

Scottish Widows

09:45 - 10:20 Annual Allowance - Who's Afraid of the Big Bad Charge

This presentation starts by covering off some technical aspects of the AA such as how it interacts with tax relief, carry forward, the taper and the MPAA. The options for paying any AA tax charge as discussed also. Staying in a scheme and paying the AA tax charge is considered versus opting out of the scheme. Our policy paper discusses more examples. Regulatory points around the clients’ best interests and opting out are also discussed.


  • How the annual, money purchase, and tapered allowances work.
  • The operation and advantages of “scheme pays”.
  • How to calculate whether an opt-out is suitable.
  • Other factors impacting suitability.
  • Regulatory requirements.

Royal London

10:20 - 10:45 Morning Break

10:45 - 11:20 Too Conservative, Too Soon

People are living longer and longer yet approaches to retirement investing haven’t really changed all that much. In this presentation, we will look at various scenarios and drawdown approaches and discuss their implications. A crucial question: are people being too conservative too soon? A thought provoking and detailed look at a crucially important topic.


  • To classify longevity, inflation and investment risks and how they impact clients in drawdown.
  • To explain what appropriate asset allocation and achievable drawdown rates could be for clients post-retirement.
  • To explain volatility compared to sequencing risk, and apply approaches to mitigation.


11:20 - 11:55 Financial Wellbeing: How to help clients become happier, not just wealthier

Since Chris Budd wrote The Financial Wellbeing Book in 2015, the expression is now in common use. In this session Chris will explain what financial wellbeing is in the broadest terms and show you how it can be used in your own practice to help clients to become happier.


  • Learn the principles of how money can be used to increase happiness.
  • How to focus financial planning on making clients happier not just wealthier.
  • The importance of purpose to financial advice.
  • How to improve clients’ relationship with their money.

Chris Budd, IFW

11:55 - 12:40 Get it Write! A Masterclass in Writing

Helping clients to understand adviser’s recommendations is no easy task. Neither is turning dry data into messages that are straightforward and actionable. It requires intention, focus and skill. This engaging and practical session will steer you away from communication traps, help you to write clearly and concisely, which in turn will enable clients to achieve their objectives.


  • Use 7 tips to help with report writing.
  • Write emails that get actioned.
  • Apply techniques to craft engaging blogs and articles.

Melissa Kidd, Motem

12:40 - 13:25 Lunch

13:25 - 13:55 Paraplanner Panel Debate

This is the opportunity for attendees to submit questions to the panel of practicing Paraplanners to offer guidance, tips and share best practice on how they operate successfully as Paraplanners.

13:55 - 14:30 Giving Suitable DB Transfer and Retirement Income Advice

Paraplanners have an essential role in helping advisers develop and deliver suitable advice to your clients. This session will focus on assisting paraplanners in understanding the FCA’s expectation regarding DB transfer advice, an area of continued focus for the regulator. It will provide more colour around what the FCA considers good and bad advice looks like. Finally, it will also highlight some areas where there may be lessons to learn from DB transfer advice when advising clients on how to access their pensions more broadly.


  • Understand the FCA’s latest position on DB transfer advice.
  • Identify what good and bad DB transfer advice looks like.
  • Identify what lessons learned from DB transfers are relevant to retirement income advice.

Chris Hewitt, FCA

14:30 - 14:55 Break

14:55 - 15:15 Smartpurse

Olga Miler, Smartpurse

15:15 - 15:50 Ethical Investing

As the founder of P1’s ethical investing proposition, Dr Quintin Rayer outlines his motivations and primary thinking behind P1’s approach. After exploring why ethical investing matters, there will be an overview of the main approaches, including screening, sustainable investing and ESG. A concern can be that ethical investing might underperform conventional portfolios. The presentation will review arguments for and against, with some results from academic studies. One area of concern is investor response to climate change – better described as global warming. Over 97% of peer-reviewed scientific papers agree this is primarily caused by human-generated greenhouse gas emissions, mainly carbon dioxide. Dr Rayer will explain how P1 is addressing this issue, under the guidance of climate scientists on its ethical oversight committee. This includes the NZC10 investor target, which has been adopted by fund managers with assets exceeding £2.3 billion.


  • Why ethical investing matters.
  • Overview of ethical investing approaches.
  • Sustainable and ESG investing.
  • The Price of Conscience.
  • Selecting ethical funds.
  • P1’s ethical process and models.

Dr Quintin Rayer, P1 Investment Management

15:50 - 16:25 Cashflow Modelling and its Benefits


  • To understand how to use cashflow tools with simple inputs for charges comparison.
  • To understand how to use cashflow tools for greater client engagement and operational efficiency.
  • To understand the benefits of good fact finding when used with cashflow tools.
  • To understand cashflow best practices and how to apply them.
  • To understand the benefits of using technology with clients.

Ray Adams, Cashcalc

16:25 - 16:30 Chairs Close


CPD CII Scheme
PFS Accredited 5h 40min

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.


Grand Connaught Rooms

61-65 Great Queen St Holborn

Partners in professionalism


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.

It could be that you have entered your email address incorrectly or that you have switched to a new email address, or that for some technical reason your registration failed. Please contact the Personal Finance Society Conference office at and we can check your records.

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 to clarify this.

Please click here to view the schedule of forthcoming Conferences, regional events and what CPD sessions will be covered.

For general information and links about the CPD process, please click here.

To log-in and view your CPD records, please click here.

If you have any further queries about CPD, please contact the Personal Finance Society /CII on 020 8989 8464.

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 after the Conference and we will send you the presentation slides.

The dress code is business attire.