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.
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.
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:
Speaker: Chris Jones, Dynamic Planner
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:
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.
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;
Speaker: Sim Sangha, moneyinfo limited
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.
Speaker: Afshan Sheikh , Intelliflo
The Relevant Life Plan has been the protection success story over the past decade. It is a tax efficient way for Small businesses to provide a true company benefit to their employees by offering an individual version of group death in service. Although not strictly business protection it does start a conversation about a client’s business and the protection needs. It can also act as a door opener for Advisers who are looking to work with accountants; as they are often unaware that their clients could benefit from using a company paid relevant life plan to provide family protection and the tax efficiency that comes with them. The Legal and General Relevant Life over session covers the essential elements.
Speaker: Richard Kateley, Legal & General
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:
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.
Nsure Financial Services
Company: Nsure Financial Services
Richard Cohen is a Chartered Financial Planner and a director at Nsure Financial Services in Worthing. He has 18 years’ experience in the profession working with all types of clients. He is also the Regional Chairman for the Personal Finance Society in Sussex.
Cornelian Asset Managers
Company: Cornelian Asset Managers
Chris joined Cornelian in August 2014 from Apollo Multi Asset where he was responsible for adviser relationship management. Chris has 22 years investment experience gained in the Asset Management industry, having previously undertaken business development roles at Premier Asset Management and Schroders. Chris completed a BSC Hons in Law and Marketing at De Montfort University and also holds the Investment Management Certificate. At Cornelian, Chris is responsible for adviser relationships in the South West.
Company: Dynamic Planner
Chris Jones is Proposition Director at Dynamic Planner. He is responsible for Dynamic Planner’s investment process proposition and for clients ensuring investment suitability through Dynamic Planner’s investment process. He leads Dynamic Planner’s 14-strong team of analysts and qualified investment professionals. Chris is a member of the Executive Management Team and ensures that the investment expertise is effectively transmitted through the Dynamic Planner application, so that it is usable and understandable by advisers and their end clients. Previously, Chris built and ran investment propositions for Intrinsic, Blueprint and Bluefin, and was a member of the product and technical team at Bradford & Bingley. He has more than 25 years’ industry experience and as both a Chartered and Certified Financial Planner, brings a key financial planning and client perspective to the business.
@ Options Ltd
Company: @ Options Ltd
Martyn has worked in financial services for over 35 years and is the highest qualified adviser at the @Options Group Ltd, a Chartered Financial Planner, which is the highest accolade an adviser can achieve through the Personal Finance Society. Martyn has worked for leading life assurance companies and banks in various roles. He has now been providing independent financial advice for 12 years and specialises in at-retirement, investment, tax planning and pension transfers. Martyn is also a fellow of the Personal Finance Society, a fellow of the Chartered Insurance Institute and currently chairman of the Sussex Region of the Personal Finance Society.
Karl Steadman is a Retirement and Later Life Specialist at Just. Karl shares his knowledge of the retirement and later life markets with intermediaries through the delivery of high quality presentations and workshops. He has over 22 years’ experience in financial services, working as an adviser and with product providers. Karl joined Just in 2009. Over the last 10 years, Karl has gained in-depth experience of the retirement income, lifetime mortgages and care markets.
Colin is a Chartered Financial Planner and a Fellow of the Personal Finance Society. He has worked for Prudential for 19 years starting in the Banking and Finance departments before becoming a Prudential Financial Adviser. For the last fifteen years Colin has been a pension and retirement income specialist, pioneering Prudential's growth in the Individual pension & Income drawdown market. Colin regularly represents Prudential, speaking at seminars and conferences to financial advisers across the United Kingdom. When he’s not working for Prudential Colin volunteers his time as Chairman of the Thames Valley Personal Finance Society, trains regularly at Tae Kwon-do and when he gets time loves to cycle.
Afshan has 11 years of experience in the Financial Services Industry and has been a software consultant working for Intelligent Office for the last three and half years. She is completing her diploma for Financial Planning to sit alongside her Mortgage and Protection qualifications and hopes to be an financial adviser in the near future, as her passion is helping people. Her enthusiasm in helping advisors get the most of their technology and automation of processes in order to improve her clients revenue and giving them back time to be where they want to be most; with their clients.
Legal & General
Company: Legal & General
Richard Joined Legal and General in 1987 and in this time have done an awry of roles for the company from Administration Clerk to Key Account Director for some of the leading IFA Networks and service providers. He was worked in the Pension and investment space including a short period at Cofunds, (a platform management company) but his real passion is for protection, which he has focused on since 2008. In 2014 he took over the role of Head of Specialist Protection. His objective was to grow the business protection market as a whole by helping advisers develop their knowledge, business models and giving them the tools to highlight the risks to their corporate clients. In 2016 he was made Head of Intermediary Development were his focus is to do for the whole protection market what his team did for the Business Protection Market. To share his passion for protection and grow the protection market by getting more advisers to talk to more of their clients about their protection needs.
Professional Edge Ltd
Company: Professional Edge Ltd
A freelance technical author and presenter, Neil is one of the Personal Finance Society's case study facilitators. He is a well known industry figure and highly experienced author and updater of CII learning materials, as well as being the CII's Lead Tutor for Pensions and also Business Financial Planning. As a fellow of the CII, he is currently Education Officer, as well as a former Chartered Champion and former Chairperson of the Northern Ireland Personal Finance Society regional committee.
Company: moneyinfo limited
Sim is Business Development Director for moneyinfo and has 13 years experience in the Financial Services industry including 7 years at 1st Software (now Iress) and 2 years at FinQS before joining the board of moneyinfo in 2010. His specialisms include proposition development and advising on digital strategy for a large range of clients from small to national adviser firms to wealth management businesses and workplace specialists. Sim has a BA in Economics and a number of financial qualifications including the Investment Management Certificate (IMC). Sim has delivered talks at a number of high profile events over the past 5 years, more recently on how the moneyinfo client portal technology can be used to address the challenges of GDPR. Notable events have included TEDx, Meeting of Minds and Money Marketing Interactive.
Nestled in the South Downs, the multi-purpose American Express Community Stadium offers a wonderful array of naturally lit event spaces and exhibition halls. There are superb transport links, including an on-site main line rail station (Falmer), complimentary parking for 1000 guests and full accessibility throughout. Friendly, professional staff provide the highest standards of service and food quality, ensuring that the American Express Community Stadium is the ideal location for your next event, big or small.
Parking is available as well as park and rides in the local area (Mill Road and Brighton Racecourse).
WiFi is complimentary to all guests.
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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.
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Please click here to view the schedule of forthcoming Conferences, regional events and what CPD sessions will be covered.
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 firstname.lastname@example.org after the Conference and we will send you the presentation slides.
The dress code is business attire.