Northern Ireland Retirement & Later Life Roadshow 2019

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Retirement and later life planning remains an ongoing challenge. The realities of an aging society mean more clients and advisers than ever are seeking clarification to approach life planning in new ways.

The world of retirement has radically shifted, with client expectations, aspirations and needs ever-changing; increasing the responsibility placed on advisers to respond in terms of both their understanding and advice process.

Join us as we explore these most topical issues, providing practical planning points and actions to support advisers in continuing to deliver better consumer outcomes.

Areas covered during the day will be:

  • Cognitive Decline
  • Retirement Income Planning
  • The Evolving World of Life Planning
  • Better Retirement Outcomes
  • Social Care and Non-regulated care advice
  • Alternative strategies and VCTs
  • Pension Transfers – The Advisers’ Perspective
  • Unlocking Housing Wealth


08:30 - 09:15 Registration

09:15 - 09:20 Welcome & Introduction

Chairperson: Tony Miles, Personal Finance Society

09:20 - 09:55 From normal cognitive ageing to dementia – implications for advice firms

Learning Objectives

  • To understand the basic journey of the ageing mind
  • To review the impact on financial capability
  • To assess implications for my firm in dealing with older clients

Speaker: Tony Miles, Personal Finance Society

09:55 - 10:30 The search for income – here today, gone tomorrow?

Learning Objectives:

  • To understand the key considerations when seeking to fund a retirement that could span decades rather than years.
  • To understand what natural income is & why it can be a powerful option within retirement.
  • To understand how a multi-asset, multi manager income portfolio can be constructed and the investment outlook for income generation.

Speaker: Simon Morris, Premier Funds

10:30 - 11:05 Re-thinking retirement

Learning outcomes

  • You will have a greater understanding of how evolving macro and socio-economic factors are impacting and radically changing retirement norms
  • You will have a greater understanding of how these changes call for more tailored and flexible retirement plans
  • You will be able to better evidence how a range of solutions can be layered to provide clients with security, flexibility and control
  • You will be able to identify the changing role of advice in modern day retirement planning and the shifting focus towards ‘life planning’

Speaker: Cecilia Furner, Legal and General

11:05 - 11:25 Break

11:25 - 12:00 The pathway to better retirement outcomes

By attending this session, delegates will be able to: 

  • Develop a consistent and robust advice process for clients in decumulation.
  • Recognise the importance of capacity for loss and the process for establishing and communicating this to clients.
  • Explain the key elements of ‘safety-first’ and ‘probability’ approaches
  • Appreciate the place for cash-flow modelling software and other associated tools in helping clients to understand and engage in their retirement plans.


Speaker: Karl Steadman, Just Retirement

12:00 - 12:35 Using alternative investment strategies to complement retirement planning

Learning Objectives:

  • Have a clear understanding of how you could use alternative investments as part of a client’s retirement planning.
  • Be able to identify the type of clients who could benefit from the Innovative Finance ISA.
  • Understand the key risks and benefits of VCTs and investing in asset-backed lending.


Speaker: Jason Bermont-Penn, Octopus Investments

12:35 - 13:10 Pension hot topics

The objectives are to:

  • Identify the key legislation changes relating to the State Pension
  • Understand the main concerns raised by the Retirement Outcome Review
  • Comprehend the issues with IHT and pensions 

Speaker: Craig Muir, Royal London

13:10 - 13:50 Lunch

13:50 - 14:25 Unlocking housing wealth in later life: The implications for social care

With the imminent release of the long-awaited Government Green Paper on the long-term funding of social care, we will consider the options facing consumers in the context of equity release and how helping people to access the housing wealth tied up in their homes could present an ideal solution for those with both basic short-term and more acute long-term care needs. We will look at the widening range of later life lending options for consumers, including ‘Retirement Interest Only’ mortgages, and compare their relative merits and safeguards. We will look at how, with the launch of the new Single Financial Guidance Body (SFGB), equity release has become part of the mainstream financial planning model for advisers working in the later life market.

Learning Objectives:

  • To learn more about the use and application of equity release in relation to social care and how this solution compares to more traditional alternatives
  • To explore and learn more about the changing nature of later life advice and how equity release solutions fit into the landscape of consumer options
  • To understand the different types of later life lending options available to consumers, including the most recent innovations to be launched into this market, and how they compare to each other in terms of features, benefits and client safeguards.


Speaker: Kay Westgarth , Key Partnerships

14:25 - 15:00 The importance of non- regulated care advice

Learning Objectives

  • To assess the scope and nature of non- regulated care advice
  • To appreciate the importance of non- regulated care advice by reference to real life case studies
  • To review how best to incorporate non- regulated care advice within a firms existing business model

Speaker: Jacqueline Berry, My Care Consultant

15:00 - 15:05 Chair's Close

Chairperson: Tony Miles, Personal Finance Society


CPD CII Scheme
PFS Accredited 4h 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.


Tony Miles

Personal Finance Society

Tony Miles

Personal Finance Society

Simon Morris

Premier Funds

Cecilia Furner

Legal and General

Karl Steadman

Just Retirement

Jason Bermont-Penn

Octopus Investments

Craig Muir

Royal London

Kay Westgarth

Key Partnerships

Jacqueline Berry

My Care Consultant

Tony Miles

Personal Finance Society


Hilton Templepatrick Hotel

Paradise Walk
Castle Upton Estate
Northern Ireland
BT39 0DD

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.

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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.

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If you have any further queries about CPD, please contact the Personal Finance Society /CII on 020 7808 5616.

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.