Stamford Regional Conference 2 2022

Insightful sessions, invaluable networking opportunity and CPD!

The Personal Finance Society’s regional conferences offer members a full day of topical and insightful business updates plus relevant CPD. The day will include a varied and note-worthy set of presentations delivered by a number of leading subject matter experts. These events also offer key opportunities for networking and sharing 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 Society, and your local PFS regional committee will be happy to share information about member services, qualifications and pro bono initiatives. 

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. Lunch and refreshments will be provided. Delegates will be eligible to claim over 3 hours 30 minutes CPD, should they consider the content relevant to their professional development needs.

Please note the agenda is provisional and may be subject to change.

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. 


08:45 - 09:30 Registration

09:30 - 09:40 Chair Introduction

09:40 - 10:15 Future proofing your CIP

Copia’s presentation to the PFS events will share, for the first time in public, the findings of a major new research study among advisers. It will focus on how adviser businesses can improve their operational efficiency, become more profitable, manage increasing regulatory pressures and even achieve a better sale valuation. The presentation will be based on the findings from a major independent research study commissioned by Copia from the lang cat, which interviewed more than 100 advisers and which will be shared for the first time in public at the PFS Regional Conferences. The presentation will share the views of advisers, and the owners of adviser businesses, on the costs and burdens of building and running a typical adviser CIP, and the attractiveness of the alternative options such as outsourcing the CIP. The presentation will analyse the 5 stage CIP process from design to implementation, monitoring, maintenance and reporting, and show where the pain points sit in terms of financial cost, time requirements and governance. It will also look at advisers’ key concerns for the future, including the burden of increasing regulation, for example around Consumer Duty and ESG. Finally, it will cover the alternative options available to advisers as the relationship between adviser firms and DFMs, such as Copia, evolves to provide an insourced ‘modern partnership’ solution.

According to the research, the benefits of the insourcing/outsourcing approach cited by advisers include:

• Access to professional DIMs
• Improved client outcomes
• Time saving
• Business risk reduction
• Opportunities to save cost, including on PI
• Reduced governance burdens
• Support for brand-building and execution

After the presentation, advisers will have the opportunity to acquire a copy of the full Copia research report, discuss it with the Copia team, or book a meeting to benchmark their organisation against the findings and discuss the options open to them to improve their operational efficiency and profitability.

Learning Objectives:

  • Understand the role centralised investment propositions (CIP) play in generating positive outcomes for advice firms and their clients.
  • Review the new Copia research to assess good practice learnings from other advice firms, and to understand how long advice firms typically spend operating their CIP
  • Look at how advice firms can future proof their CIP to ensure regulatory compliance, operational efficiency, and the optimum client outcomes

Speaker: Tony Hicks, Copia Capital

10:15 - 10:50 Pension Hot Topics

In this presentation we look at two of the hot topics Royal London’s technical team are regularly asked about. The first of these looks at using pensions as a tax reducer and the planning opportunities which exist with pension contributions. We’ll look at the benefits of paying a pension contribution considering adjusted net income, the personal allowance and child benefit tax traps. We’ll also look at dividends and how a pension contribution can reduce the taxation of dividends. The second hot topic is the State Pension and the changes since the introduction of the New State Pension in April 2016. We explore the accrual of the State Pension including State Pension forecasting, “topping-up” missing years, and increasing State Pension via deferral. We also explore how significant a source of retirement income the state pension is for many people in the UK, and the planning points you may want to consider.

Learning objectives

  • Understand how pension contributions can help reduce tax bills
  • Describe how pension contributions can help restore lost pension allowances
  • Explain the legislative changes affecting state pension provision

Speaker: Fiona Hanrahan, Royal London

10:50 - 10:55 Professional Qualifications Officer

10:55 - 11:15 Coffee Break

11:15 - 11:20 Chartered Champion

11:20 - 11:55 Complete client conversations - confidently discuss responsible and sustainable investment

Recent research states that over 75% of investors are interested in sustainable investments, and with regulators increasingly focussed on this area, it’s never been more important for you to consider responsible investment in your advice process.

Learning objectives:

• What is responsible and sustainable investment and why is it important?
• What ESG and Active Ownership mean for investment management?
• How responsible investment creates advice opportunities and benefits for your clients
• How to conduct a conversation by asking the right questions
• How you can avoid greenwashing and provide valuable insights to clients beyond investment returns.

Speaker: Liam Setna, Quilter

11:55 - 12:30 The Monopoly of markets - a game of chance or strategy?

In the real world, markets are difficult to navigate and much like a game of Monopoly, having a strategy is essential. In this macro presentation Fidelity will highlight some of the key investment themes we expect to see in 2022, with a focus on how financial advisers can tactfully achieve ‘board domination’ when building their clients’ portfolios. There are some valuable lessons to teach: spread yourself out across the board intelligently, focus on cash flows, be patient, and sometimes it pays to take chance.


Learning objectives:

  • Understand the impact of inflation and central banks’ monetary policies on financial markets, and how to support clients through this.
  • Assess how portfolios should be built in light of this, with a focus on how to protect capital and identify opportunities.
  •  Explore future investment trends and assess the impact they may have going forward.

Speaker: James Bird, Fidelity International

12:30 - 12:35 Education Outreach Ambassador

12:35 - 13:15 LUNCH

13:15 - 13:20 Membership Officer

13:20 - 13:55 When exactly is the right time to gift?

With yet more regulatory upheaval in the form of the latest FCA consultation on the introduction of a Consumer Duty, we’ll address this in the context of a wide range of financial planning opportunities including gifting and personal taxation – which also addresses the increased demand on advisers for intergenerational planning advice. We’ll also consider some of the key considerations for clients already in drawdown and the impact markets could have on their longer term plans. And let’s not forget with many clients living beyond the age of 75yrs it’s likely those with larger funds will see a test against the Lifetime Allowance at this time. What could this mean for them, their beneficiaries and how can we plan for this. Planning for the succession of family assets is often neither straight forward or a smooth road but is an area where you can clearly demonstrate the value of comprehensive advice for your clients. We’ll use examples throughout that reflect typical client scenarios.

Learning objectives:

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

  • Identify the different options for wealth transfer and wealth creation
  • Explain the key issues for reviewing older clients in drawdown
  • Demonstrate the personal taxation implications for gifting

Speaker: Andrew Nash, Prudential

13:55 - 14:00 Chair's close


CPD CII Scheme
PFS Accredited 2h 55min

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 Hicks

Copia Capital

Fiona Hanrahan

Royal London

Liam Setna


James Bird

Fidelity International

Andrew Nash



Holiday Inn Peterborough West

Thorpe Wood

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