Thames Valley Regional Conference 1 2022

Working out how to spend £1 million in retirement might seem a nice problem to have. However, a little more than that in your pension pot and you could see a 55% deduction from any funds over the lifetime allowance (LTA). The good news is that there’s a lot financial planners can do to help overcome this scenario, not just at the initial point of taking benefits, but later too. With a second test at age 75, it is important to be aware of the different treatment of benefits at that stage and, importantly, what can be done in the meantime to produce better client outcomes. In this session, Just will provide a reminder of the rules and some of the strategies that can be used prior to, and at the point of, the ‘second benefit crystallisation event’. They will also consider the treatment of different types of plan and their use in the retirement journey.

By attending this session, you will be able to:

• Understand the tax treatment of pension benefits above the lifetime allowance
• Recognise the main planning considerations around the lifetime allowance at age 75
• Discuss different strategies relating to the lifetime allowance

The world’s largest index providers have one of the most important roles to play in policing Global PLC. As major stewards of investor’s capital, their ability to hold corporates to account and influence real change is significant. Using practical examples of engagement, LGIM will run through the different components of Investment Stewardship and cover the below:

Learning objectives:

• Understand what Investment Stewardship is and why is it important
• Understand how engagement interacts with ESG scoring,
• Understand what data is required for effective engagement
• Understand what ‘good’ looks like for E,S,G and T
• Understand what can you do when companies ignore investors – other than disinvesting

As sustainable investing gather pace off the back of COP26 this session will focus on the regulatory developments facing advisers in 2022 as well as the ways and in which advisers can align their clients sustainability preferences with their long terms financial aspirations.

Learning Objectives:

• Delegates will get an overview of the key takeaways from COP 26 that matter to everyone.
• Delegates will get an overview of the regulatory agenda facing advisers in 2022 and what will be expected of them.
• Delegates will get an insight in how taking a multi asset approach to sustainable investing can take advantage of these changing investing landscape whilst not compromising performance or portfolio diversification

Inflation is at levels not seen for many years and opinions differ on whether or not the increases are here to stay or are transitory. So what does the risk of inflation mean for your clients and their financial goals? How is this risk easily explained? And what adjustments will investors need to make should inflation remain high?

In this session you will gain an understanding of:

• The impact of different inflation regimes on market returns and clients long term goals
• What could cause inflation to remain high
• How to position for higher inflation

These are extraordinary times: more than a decade of extraordinary actions by central banks and governments has resulted in high asset prices and very low yields. Now, inflation is making the need to earn decent returns even more pressing. Multi-Asset solutions have been and will remain a core part of the answer for low to medium risk savers. Can Multi-Asset solutions continue to deliver in this tougher environment? In this presentation, Jupiter’s Multi-Asset team will explain how this situation has evolved, investigate what the consequences are, and describe how Multi-Asset solutions can be retooled to help investors protect and grow their capital.

Learning objectives

• Explain how policymakers have driven yields down, prices up, and caused inflation
• Investigate the consequences for savers looking into the future
• Describe the tools available to investors to achieve a better financial future

substantially increase stealth taxation and introduce the Health and social Care levy – with equivalent tax increases for dividends. Never has there been a more important time for advisers to discuss tax planning strategies with clients. This case study will consider topical tax planning opportunities in light of evolving tax policy and will summarise all the important tax allowances and exemptions that clients should currently be using. It will also focus on intergenerational tax planning.

This session will give the delegate;

• An understanding of important recent tax changes that impact on personal financial planning
• An overview of current intergenerational planning strategies
• An understanding of the key tax and NIC implications of trading through a limited company or on a self-employed basis
• An understanding of the main principles involved in chargeable event tax calculations and appropriate planning to reduce tax
• An appreciation of current estate planning techniques including the preservation of the residence nil rate band and
• The key points of the Trust Registration Scheme