Surrey Regional Conference Q4 2019

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Invaluable CPD & skills training

The Personal Finance Society’s quarterly Regional Conferences offer members a full day of topical, insightful and business relevant CPD, delivered by leading subject specialists.

Attendance also offers the opportunity to network and share 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 Personal Finance Society and your local PFS Regional Committee will be happy to share information about member services, qualifications and pro bono initiatives.  

Join the conversation on twitter and be sure to register now to secure your free place at this event.


08:45 - 09:30 Delegate Registration

09:30 - 09:40 Chair’s welcome and AGM

Speaker: Richard Sheppard,

09:40 - 10:15 Pulling all the levers – from the normal to the niche

Investors face no shortage of challenges – a slowing global economy, ongoing trade disputes and rising geopolitical tensions dominate the headlines. Amongst all of this, the demand for growth and income continues unabated and so a new approach to achieving investment goals whilst managing risk is needed. The ability to manage portfolio risk ‘dynamically’ is crucial in order to achieve our clients’ investment goals – but what do we mean by this, and how does it actually work in practice? We will look at the various sources of risk indicators, how we can interpret these, and as a result, which levers we can pull in the multi asset universe in order to alter portfolio risk positioning. We will explain how this is implemented in ‘real life’ scenarios and highlight the importance of a truly flexible approach to portfolio construction.


  • Recognise key risk indicators, and the ways in which they can be interpreted
  • Learn the different ways to dynamically manage risk
  • Understand the benefits of a flexible approach to portfolio risk positioning

Speaker: Chris Warren, Cornelian Asset Managers

10:15 - 10:50 Understanding – Making complex things simple, not the other way around

In an industry creating increased complexity, regulation putting the responsibility of client understanding on the adviser, and markets likely to incite clients to ask difficult questions, we need to speak ‘client’ rather than ‘finance’. 1. What will get a client’s attention? 2. How can we keep the client interested and engaged long enough to receive the information? 3. What do they want or need to know? 4. How are their feelings connected to their outcome? 5. Are we chasing the wrong returns?

By the end of this session you will understand:

  • The regulatory requirements for client understanding
  • The techniques and tools available to aid understanding
  • The behaviour psychological theories that apply
  • The limitations of unit price returns and measurements


Speaker: Chris Jones, Dynamic Planner

10:50 - 10:55 Membership Officer

Committee: Kalyan Das, KD Services

10:55 - 11:20 Morning break

11:20 - 11:25 Chartered Champion

Speaker: Jenni Currell, Lockhart Capital Management

11:25 - 12:00 Retirement Income – Past, Present and Future

In recent years, the regulator has continued their focus on how to create an environment where clients are getting good outcomes. In the retirement advice arena things have changed, particularly with the advent of pension freedoms. There was, perhaps, a definitive track to run on in the past, when it came to taking retirement income. That is no longer the case. There are some great opportunities to give people more flexibility in retirement than ever before, but these are not without a degree of risk. Whilst the pensions advice environment has changed for firms and consumers, the annuity market has also been developing, particularly in the area of personalisation. Whilst, in PS19/01, the regulator has reminded firms about the importance establishing eligibility for an ‘enhanced’ annuity, the accuracy of information to get a ‘market-leading’ rate is specifically highlighted. In fact, seemingly small details can make a big difference. So, what does the future hold? The combination of changing advice models and freedom and choice has led to greater adoption of technology and platforms. What does this mean for the way guarantees are put in place and the interaction with other funds and assets? How can advisers manage the balance between freedom, choice and certainty?

By attending this session, advisers will be able to:

  • Discuss the fundamental shift in risks relating to the retirement market
  • Understand the key elements relating to guaranteed income as published in PS19/01
  • Recognise the importance of accurate underwriting information
  • Discuss how to achieve the balance between flexibility and a guaranteed income for life


Speaker: Karl Steadman , Just.

12:00 - 12:35 Allowance… what allowance?

As if pensions weren’t complicated enough, we’ve all had to deal with the dreaded annual allowance calculations. Very topical at the moment due to the introduction of the tapered annual allowance back in 2016, not to mention the money purchase annual allowance. We begin thinking all looks very straight forward, until the realisation hits that not only does the client have a DC pension, they’re also a member of a DB pension scheme. What annual allowance applies – is it the standard or is it the alternative. Of course as soon as you’re dealing with a high earner who is a DB member and has personal savings into a DC then all sorts of numbers need to be considered. We’ll address all of these points, alongside what charge is payable should the unfortunate event arise and summarise this within a very straightforward and allowable case study.

  • An overview of the various annual allowances – how and when they are triggered
  • How these annual allowances work alongside each other
  • How to calculate any charge that may apply

Speaker: C, Prudential

12:35 - 13:10 How to introduce mobile communications into your advice process

The use of smartphones has grown rapidly over the last decade and now is the time to take advantage of the opportunities that a mobile client experience can deliver to complement your face to face advice. As your clients trusted adviser you are very well placed to develop a digital strategy that works. We’ll show you how to automate your client reporting, provide secure and timely communications and deliver a better client experience all under your own branded app.


This session will help you to;

  • Understand how clients are engaging with digital technology
  • The problems you can solve for them to ensure great adoption
  • The operational efficiencies this delivers


Speaker: Sim Sangha, moneyinfo limited

13:10 - 13:15 Professional Qualifications Officer

Speaker: Mark Raybould, Northwood Wealth Management Ltd

13:15 - 13:55 Lunch

13:55 - 14:30 How technology is giving advisers, time, efficiency and growing revenues

What is the key driver in firms adopting technology? Keeping up with the times? Appearing modern and relevant to clients? Or realising improved business metrics? Our recently launched eAdviser Index evidences the benefits of technology in the advice process using data from one third of the UK financial advice industry. Find out how technology can drive fundamental change in your business.


  • Appreciate the results that technology is helping advice firms to realise
  • Recognise how advice firms are using the technology available in the market to drive efficiency through their advice processes
  • Identify what technology can deliver in your business

Speaker: Afshan Sheikh , Intelliflo

14:30 - 15:05 Protection Session

Speaker: Richard Moodey , Zurich

15:05 - 15:15 Coffee grab

15:15 - 16:15 Retirement Case Study

You have been contacted by a couple who are approaching retirement. They have never had financial advice before and while they recognise the need for advice, they are wary of doing so. Together, we will first task look at how to build rapport with new clients who are wary of taking advice. For the second task, we will review the client's key personal and financial information and some general objectives, to consider the additional hard/soft facts we would need to establish, further clarify the client's objectives and identify the issues we would need to consider when advising them. Having done that, the third task will be to devise a retirement decumulation solution that would meet the revised client objectives and address the issues we identified in task 2.

In this interactive session, we will be covering the following:

  • Building rapport with new clients
  • Getting beyond the factfind – clarifying the clients' aims and objectives and identifying issues to consider when advising them
  • A cunning plan – putting in place a decumulation strategy that achieves their objectives

Speaker: Neil Dickey, Professional Edge Ltd

16:15 - 16:20 Chair's Close


CPD CII Scheme
PFS Accredited 5h 5min

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.


Richard Sheppard

Chris Warren

Cornelian Asset Managers

Chris Jones

Dynamic Planner

Kalyan Das

KD Services

Jenni Currell

Lockhart Capital Management

Karl Steadman




Mark Raybould

Northwood Wealth Management Ltd

Afshan Sheikh


Richard Moodey


Neil Dickey

Professional Edge Ltd

Sim Sangha

moneyinfo limited


Epsom Downs Racecourse

Epsom Downs
KT18 5LQ

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.