Norfolk Specialist Regional Roadshow | Accumulation and Investment | 2022


Our 2022 Accumulation and Investment roadshow promise a line-up of superb industry speakers covering a broad programme of highly topical key presentations. These events will grow your knowledge, count towards your annual CPD and deliver on our pursuit of driving up professional standards across the 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.

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.

Join the conversation on twitter and be sure to register now to secure your free place at this event. Attendance is complimentary for Personal Finance Society members and guests. 

We look forward to seeing you soon and if you have any queries, please do not hesitate to contact the events team at

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 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.”


08:45 - 09:30 Registration

09:30 - 09:40 Chair's Introduction

09:40 - 10:25 Inflation Toolkit: Prepare, don’t predict


There is no doubt that inflation is a major concern on everyone’s mind. Consumers are feeling the pinch amid the highest increases in the cost of living for decades, exacerbated by geopolitical conflict, post COVID-19 supply-chain disruptions and the reactions of central banks.


In this session, LGIM will unpack the inflation story, examining what it means for investors and identifying some key considerations for financial advisers navigating this challenging landscape.


Learning Objectives

  • To understand the conditions that have led to this period of inflation
  • To be able to explain the impact of recent geopolitical tensions on markets and the macroeconomy
  • To be able to identify what investment tools and techniques are available to combat the threat of inflation

Speaker: Katherine George, Legal & General Investment Management

10:25 - 11:10 Tomorrow’s World: the future investment landscape looks very different - be prepared!

Sarasin & Partners consider how the landscape is changing for investment and regulation, what ‘double materiality’ means for investment advisors, and the dynamics of responsible investing in equities.

Legislation around obtaining the clients ESG preferences and client reporting following the introduction of SFDR for European Funds is fast approaching through SDR in the UK and IFAs need to know what is required of them to ensure they are meeting the Target Market rules.


We also explore Greenwashing and how to identify this at Manager and Fund level. We use multi media including video footage, questions for the audience and ask for Audience engagement.

By the end of the presentation, you will have a better understanding of:


  • The current climate
  • And social environment – unpacking the problems we all face
  • Best practices in integrating ESG / sustainability into your business strategy and client discovery process
  • The importance of stewardship in tackling environmental and social issues
  • Identifying the signs of greenwashing

Speaker: Christopher Cade, Sarasin & Partners

11:10 - 11:30 Morning Break

11:30 - 12:15 Earners & Owners: Tax Efficient Wealth Accumulation

Following three Budgets in 2021, the 2022 Spring Statement, and the perceived certainty that we knew where we were in terms of tax thresholds and exemptions, the Chancellor & Prime Minister resigned. We will soon have a new Prime Minister, followed shortly after by the Autumn Budget.


Given what we know now, it has been predicted that over 6 million people will pay higher rate tax or additional rate tax in the 2022/23 tax year, and, bearing in mind there were 4.3m in 2019, that is almost 50% more. As a result, more will be looking to you for guidance in this area, not least those that are already high net worth individuals, who may well be business owners or shareholders, looking for advice on the tax-efficient accumulation of their wealth.


What can we undertake as business owners, for ourselves and for our clients and high earners? How can business owners ensure they are making the most effective decisions when it comes to their own remuneration and working towards an exit?


Puma Investments will discuss the relevant tax changes that affect business owners, comparisons between differing accumulation strategies and how the essence of great planning in good time, can maximise the impact to deliver optimum outcomes for advisers and their clients.


  • Define the tax changes and announcements and how they relate to planning with businesses
  • Summarise the opportunities for tax efficient accumulation as a business owner or high earner
  • Appreciate what can be undertaken during lifetime to accumulate wealth tax efficiently for an intergenerational approach

Speaker: Karen Sullivan, Puma Investments

12:15 - 13:00 Inheritance Tax – Are you accumulating assets for HMRC?

One of the biggest quandaries for accumulating assets in later life is IHT. People tend to not want to give away their money because they might need it but equally, they do not want to give 40% to HMRC when they pass on. As tax receipts hit £6.1bn for the last tax year, and forecast to grow substantially over the next few years, it’s likely clients are worried about their legacies. In this session we will look at some of the exemptions that can be used to mitigate IHT with a special deep dive into the Residential Nil Rate Band to examine whether it works as expected for clients. What if the estate is more than £2m, how does it work if a widow/er remarries, or they downsize or go into a home? Octopus will give a refresh on the main IHT exemptions, clarify the more complex client situations when looking at the RNRB and how the rules are applied to different client scenarios. We will round off by covering the advice solutions available including what the role Business Property Relief can do to help mitigate your clients’ IHT concerns.

By the end of this session, you will be able to:

•           Identify the inheritance tax exemptions and allowances that apply to UK individuals and couples.

•           Describe the Residential Nil rate band and clarify this complex tax exemption

•           Articulate potential inheritance tax solutions for clients who have an inheritance tax liability.

13:00 - 13:45 Lunch

13:45 - 14:15 A new consumer duty, A new paradigm

A New Consumer Duty from the FCA. What is it? What does it entail? What do I need to do to comply? And When do I need to do it by? A whistle stop tour of the FCA’s new ‘Big Reveal’ with all of the tips and advice needed to ease you into the new regime. As a follow up to the session, attendees will also receive a guide to compliance with the new regulations.

Speaker: John Lester, Square Mile

14:15 - 15:00 Is the 60/40 portfolio still fit for purpose

After more than a decade of extraordinary conditions for financial markets, we are now potentially in a new and less certain market environment. How will traditional asset classes behave, and what can a investor expect from their 60/40 portfolio? Clive Emery Fund Manager/David Aujla, Deputy Fund Manager, discuss whether 60/40 portfolios are still fit for purpose, or if they need to evolve to remain relevant.

By the end of the session, attendees will be able to:

  • Understand the conditions that have led to the success of traditional 60/40 portfolios in recent decades
  • Identify the potential challenges facing traditional 60/40 portfolios in the coming years
  • Discover alternatives to the traditional 60/40 approach that may help to address such challenges

Speaker: Clive Emery,

15:00 - 15:30 Heath, Wealth and Families

Presenting an original piece of consumer research on how families prepare for the future, including:

  • How priorities change over the life cycle
  • How different generations interact over financial issues

Implications for advice

Speaker: Matt Connell, Chartered Insurance Institute

15:30 - 15:40 Chair's close


CPD CII Scheme
PFS Accredited 4h 45min

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.


Katherine George

Legal & General Investment Management

Christopher Cade

Sarasin & Partners

Karen Sullivan

Puma Investments

John Lester

Square Mile

Clive Emery

Matt Connell

Chartered Insurance Institute


Dunston Hall Hotel

Ipswich Road
NR14 8PQ

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.

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.

  • Please do not attend events, if you have any COVID symptoms, please click here for up to date NHS information
  • Take a lateral flow test on the morning of the event, allowing at least 30 minutes for accurate results.  Please click here to order directly from the NHS website.
  • Please check in via the NHS track and trace app, on arrival
  • Encouragement of wearing facemasks in public areas (unless seated)

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