Stamford Regional Conference Q1 2019

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The science of retirement, compliance (PROD) & the real value of advice

We are kicking off our 2019 events programme by addressing some hot topics, whilst also focusing on the ultimate soft skill for advisers; demonstrating the real value of advice.

We have a terrific line-up of subject matter expert speakers, focused on educating and inspiring members. Your local quarter one regional conference provides a great opportunity to network & share good practice with your peers and secure 4 hours 35 minutes of structured CPD. Programme highlights include:

  • Damned Lies and Statistics, what lies beneath – The advantages and disadvantages of economic indicators                               
  • Making A Difference; Can you prove it? – Demonstrating the real value of professional advice
  • The science of retirement – The sustainable withdrawal rate framework
  • A gentle PROD in the right direction – The key requirements that PROD places on adviser businesses
  • The end of the cycle? – Will 2019 offer investors relief from the economic, political and policy headwinds of 2018?

View the full programme by clicking the link on the right and be sure to secure your free place by registering now.


08:45 - 09:30 Delegate Registration

09:30 - 09:40 Chair's Introduction

Speaker: Mark Hassall, Moneyology Limited

09:40 - 10:15 The end of the cycle?

2018 has been a difficult year for most asset classes as they’ve faced a mounting set of economic, political and policy related headwinds. As we move into 2019 we will consider whether these headwinds are heralding the end of the current economic and market cycle or not and what the implications are for investors.

  • Understand the outlook for global growth and inflation in 2019 and beyond. 
  • Outline the key fundamental factors likey to impact asset class performance. 
  • Understand where Invesco's investment experts believe the best opportunities lie in fixed income and UK equity markets.

Speaker: Neil Dobson, Invesco

10:15 - 10:50 Damned Lies and Statistics – What lies beneath

Our industry is awash with TLA’s, I mean three letter acronyms. Our other favourite past time in the financial services sector is to explain ourselves through the use of numbers, charts and sometimes line drawings. When we present these to advisers and ultimately advisers use these with their clients, do they give any additional clarity and quality to an informed conversation or are they misunderstood or worse, confusing? Indeed, when we discuss what’s happening around the world we try to take complicated economic circumstances and put them into an easy to see chart. But do these charts really give us any ‘useful’ information? There are lagging indicators / leading indicators, surprise indices / surveys, yield curves / and spreads. What do they tell us? What can they be used for? What we should be looking for?

  • Explain the principles behind the calculation of economic data.
  • Understand some of the better and lesser well-known indicators.
  • Discuss some of the advantages and disadvantages of relying on some of the better-known indicators.

Speaker: Chris Johns, Jupiter Asset Management

10:50 - 10:55 Professional Qualifications Officer

Speaker: Mark Hassall, Moneyology Limited

10:55 - 11:20 Morning Break

11:20 - 11:25 Chartered Champion

11:25 - 12:00 The UK in 2029

Markets dislike uncertainty and perhaps nowhere has this been more apparent than in the UK over recent years. As politics has taken centre stage and Brexit has rumbled on, so has the unrelenting negative sentiment towards UK equities. In a lively presentation, Fidelity will challenge this narrative - assessing the current fundamental and valuation backdrop and analysing whether now in fact could be an opportune time to initiate or increase exposure to domestic equities. They will also look further ahead and explore some of the key themes that could shape the investment landscape in the UK over the next decade. In particular, exploring how demographic trends, technological advancements and changing consumer habits are intersecting and influencing an ever wider set of sectors with new winners and losers emerging.

  • Challenge the commonly held negative view of UK equities
  • Provide an insight into the key investment themes to watch in the UK over the coming years
  • Understand the likely evolution of different industry sectors and how this could create opportunities for active stock pickers

Speaker: James Bird, Fidelity International

12:00 - 12:35 Making A Difference – Can you prove it?

Today we are on the cusp of a number of changes affecting financial advice, such as MIFID 2, changing FCA regulations, potential stock market corrections, changing client attitudes, as well as the threat, and opportunity, of technology. All of these factors could have an impact on the fees that people are prepared to pay for advice. Throughout the last 30 years financial advisers have added significant value to their clients, and their families, lives. This has been achieved by providing peace of mind: protecting the family, ensuring a happy retirement and supporting the estate. However, it has often been difficult to quantify and articulate this value. This presentation will focus on a pragmatic analysis of the potential challenges facing advisers. It will then demonstrate strategies and tools that can be used to help demonstrate the huge impact of receiving on-going professional advice. Financial advisers have been Making A Difference to their clients’ lives for decades and this presentation will help to quantify and prove it.

  • An understanding of the potential challenges facing advisers, in relation to their fees. 
  • An understanding of the psychology of advisers and clients, in relation to potential threats.
  • A process to help to demonstrate the real value of the on-going advice fee. 
  • An understanding and demonstration of some online tools that can be used to demonstrate and quantify the importance to clients of recieving professional financial advice.

Speaker: Nick French, EDVOA

12:35 - 13:10 A gentle PROD in the right direction... (Product Governance: MIFID II)

Recent research suggests that a large percentage of advisers are not aware of the PROD rules that have been issued by the FCA under MiFID II. Product Governance is at the very heart of the suitability journey and the FCA has created a new set of regulations which required compliance by January 2018. This presentation by Square Mile will examine the PROD regime, what adviser firms need to look out for and what they need to do to comply with the new regulations.

  • To understand the principles behind the PROD regulations
  • To understand the key requirements that PROD places on adviser businesses
  • An ability to articulate a target market and distribution strategy
  • An ability to demonstrate governance and oversight

Speaker: John Lester, Square Mile

13:10 - 13:50 Lunch

13:50 - 13:55 Membership Officer

Speaker: Mark Block, Leaf Financial Planning

13:55 - 14:30 Using behavioural science in your practice - helping your clients focus on the long term

  • Why it is important for your clients to think and act long term. 
  • The behavioural challenges to long term investment.
  • How you can help clients focus on the long term. 
  • The benefits to your client and you.

Speaker: Dan Kemp, Morningstar

14:30 - 15:10 Science of retirement

Since Bill Bengen pioneered the ‘safe’ withdrawal rate research in 1994, researchers have developed several adaptations to the original framework, from the Guardrail strategies developed by financial planner Jon Guyton, to the Ratcheting rule developed by Michael Kitces. Further research identified that spending tends to decline progressively in retirement. This led researchers to coin terms such as the ‘Go-Go’ years, ‘Slow-Go’ years and the ‘No-Go’ years, to describe the unique phases in retirement. This session is a deep dive into the research behind the sustainable withdrawal rate framework.

  • Summarise the pros and cons of main flexible withdrawal strategies.
  • Understand the impact of fees, asset allocation and market valuation metric.
  • Understand adjusting withdrawal rates for longevity.
  • Discuss the aged-banded approach to retirement withdrawal.
  • Know how to craft a personalised Withdrawal Policy Statement.

Speaker: David Elliot, Finalytiq Limited

15:10 - 15:20 Chair's Close


CPD CII Scheme
PFS Accredited 4h 10min

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.


Mark Hassall

Moneyology Limited

Neil Dobson


Chris Johns

Jupiter Asset Management

Mark Hassall

Moneyology Limited

James Bird

Fidelity International

John Lester

Square Mile

Dan Kemp


Mark Block

Leaf Financial Planning

Nick French


David Elliot

Finalytiq Limited


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 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.