Home » Events » Plymouth & Cornwall Regional Conference Q4 2018

Plymouth & Cornwall Regional Conference Q4 2018

About the Event

FinTech, ethical investing and risk-based retirement planning

Our final set of regional conferences this year will deliver a balanced programme of topical and technical market content, programme highlights include:

  • Investing for tomorrow’s world – Brexit, trade wars and accelerating US wage inflation; how the credit cycle and financial technology can help investors in the current climate.
  • The only way is ethics – demystifying ESG, the evolution of the retail client and what they now expect from investment managers.
  • The dawn of disruption – the key trends in how we live, work and consume influencing markets, the opportunities this disruption presents and what this all means for your clients.
  • The retirement conundrum  developing trends, risk-based retirement income planning, market platforms and more…
  • Pension transfers and IHT technical analysis of the impact of pension transfers on IHT and the implications of recent court cases examining current legislation.
  • Case study: Don't mention the pension! – the role of the new Appropriate Pension Transfer Analysis comparison for defined benefit transfers and the varied uses of pension contributions for tax planning.
  • An intro to Mitch Anthony – within in the Membership Officer session, will show the first video, where Mitch discusses the need for a new advisory model which moves beyond ROI, to focus more on Return On Life.

Programme

08:45 - 09:30 Delegate Registration

09:30 - 09:40 Chair’s Introduction

Chairperson: Ged Dixon, Morlaix Ltd

09:40 - 10:15 The road ahead - investing for tomorrow’s world

Trade wars and Brexit are dominating the headlines. Investors are cautious fearing that, in addition to these risks, accelerating wage inflation in the United States may provoke faster than expected interest rate rises which may exacerbate emerging market economic stresses. However, not all is doom and gloom. The credit cycle remains supportive and we anticipate a sustained and material acceleration of ‘productivity enhancing’ capital expenditure which should ensure that core inflation is unlikely to become problematic.

  • Explain what the credit cycle is; its influence on risk asset returns and what the outlook for the cycle is.
  • Understand why the linkage between accelerating US wage growth and inflation will be less strong than many fear and why this matters.
  • Explore real world examples of how ‘digitalisation’ is unlocking significant productivity gains across a range of industries.

Speaker: Chris Warren, Cornelian Asset Managers

10:15 - 10:50 The dawn of disruption

What does disruption mean to you? Have you ever wondered if isn’t just evolution? Disruption is now becoming a key consideration in investing. Janus Henderson will look at how disruption is affecting all asset classes, and why this is now shaping the way fund managers are constructing portfolios.

  • Explain how a number of key trends associated with how we live, work and consume are influencing markets
  • Understand the evolution of major asset classes and the opportunities for investors
  • Identify the reality of the disruption and what it means to your clients

Speaker: Paul Dagger, Janus Henderson Investors

10:50 - 10:55 Education Officer

10:55 - 11:20 Morning Break

11:20 - 11:25 Chartered Champion

Chartered Champion: Simon Lake, Thomas Westcott CFP

11:25 - 12:00 The only way is ethics

ESG, Ethical, Socially Responsible, Impact Investing are the new buzz words in the investment world but what do they really mean and why should it be an essential part of the investment process The session will aim to demystify the term ESG, explain the differences of each approach and discuss the investment opportunities each approach creates for you and your clients. Responsible investments are no longer a mandate to underperform and we will examine why good companies make better investments. We will explore why ESG is so important in terms of investment governance, process and stewardship to enable you to spot the best investment opportunities, avoid the pitfalls and add real value to your clients. We will also look at the evolution of the retail client, what they now expect from investment managers, the investment approaches they choose to invest with and how this will evolve over time. Explain why it is so important to work with investment managers that have a strong ESG focus both in terms of investing for clients now and attracting clients of the future.

  • The evolution of ESG from the first invested company to modern organisations and why good companies make better investments
  • The different strands of ethics
  • The client journey and how they choose to invest has changed over time
  • Changing attitude and changing demographics why this is so important to future proof your business

Speaker: Jim Stacey, Standard Life Wealth, Regus House

12:00 - 12:35 The retirement conundrum

The challenges facing advisers in meeting their clients’ needs as they move into and throughout retirement have increased considerably over the last few years as flexibility in retirement is sought after by many people. We will take a look at the state pension and how private pension provision can impact on benefits. We'll also consider whether you can have flexibility in retirement without taking a lot of risk or whether you actually need to take higher risk to achieve the income required. Do you have a retirement proposition? We will consider the tools available to help review the product options in this market and also consider how platforms can support your post retirement clients. Retirement options and considerations in relation to what new retirees are looking for will be covered in this session in addition to the developing trends. We will also look at the issues arising for those who have been in retirement for longer and are becoming the ‘oldest old’.

  • Examine the main approaches to risk-based retirement income planning
  • Consider the developments in underwriting and how this can improve client outcomes
  • Consider the benefits of a combined approach to guarantees and investment

 

Speaker: Jeremy Martin, Just

12:35 - 13:10 ‘Ad Utrumque Paratus’ - pension transfers and IHT

Unless and until there is a definitive comprehensive court case or more exact legislation is passed, the application of generalised IHT legislation and HMRC practice applied specifically to pension transfers seems set to continue in its somewhat unformulated and nebulous fashion. It is important to understand the basic premise of where pension transfers can give rise to inheritance tax but equally pertinent to understand the nature of any (if any) potential liability, whether any ‘defence’ might apply or whether alternative planning mechanisms might be more appropriate. Whilst, the relatively recent Staveley case provided some insight, much still remains formally untested in Court. This session will focus on analysing IHT matters particularly relevant to pension transfers.

  • Briefly identify where and why (and where not) pensions and pension planning can potentially give rise to inheritance tax issues
  • Analyse and understand where pension transfers can give rise to IHT issues
  • Recognise and quantify these IHT issues both generally and specifically vis-à-vis to individual circumstances 
  • Analyse the Staveley case and understand the nature of the section 10 IHTA 1984 ‘defence’
  • Understand whether and which alternative planning approaches might be relevant

Speaker: Paul Kennedy, FundsNetwork

13:10 - 13:50 Lunch

13:50 - 13:55 Membership Officer

13:55 - 14:30 Tax and Trusts

  • Easing the tax pain on mortgage interest borrowing
  • Tax efficient investments for companies
  • Planning with pension death benefits – with flexibility
  • Planning not to lose the residence NRB
  • Rysaffe planning – still alive and well
  • RLP/EGLP taxation – an update
  • Chargeable event traps and how to avoid them

Speaker: John Woolley, Technical Connection

14:30 - 15:30 Don't mention the pension!

In this case study we will be helping you develop your data gathering questioning skills, outline the role of the new Appropriate Pension Transfer Analysis comparison for defined benefit transfers, and explore the varied uses of pension contributions for tax planning.

  • Understand how the carefully considered use of open and closed questioning techniques can improve your advice process.
  • Understand the new rules and underlying assumptions relating to the use of appropriate pension transfer analysis when assessing the suitability of a defined benefit pension transfer.
  • Understand how pension contributions don't just boost retirement funding but also help with tax planning.

Speaker: Neil Dickey, Professional Edge Ltd

15:30 - 15:35 Chair’s Close

CPD

CPD CII Scheme
 
PFS Accredited 4h 30min

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.



Speakers

Venue

Lanhydrock Hotel and Golf Club

Lostwithiel Road
Bodmin
Cornwall
PL30 5AQ


Partners in Professionalism

FAQs

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 regionals@pfsevents.org 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 with the link once we have recorded your attendance online. Although we do our best to do this as soon as possible after a conference, in some circumstances this may take a few days. If you are not able to download your CPD Certificate after 7 working days please email regionals@pfsevents.org to clarify this.

Please click here to view the schedule of forthcoming Conferences and 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 special and/or 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 regionals@pfsevents.org after the Conference and we will send you all the post event literature.

The dress code is business attire.