We've taken member feedback on board and are making some exciting changes to our specialist roadshows during 2023. You can expect:
Throughout the event the focus will be firmly on topical and insightful business updates around retirement and later life advice which can enhance the quality of advice you provide to your clients. As well as counting towards your CPD requirements, the conference offers a great opportunity for networking and exchanging ideas with your peers during the coffee and lunch breaks.
Join us as we explore the latest thinking around retirement and later life advice, while providing practical planning points and actions to support advisers in continuing to deliver better consumer outcomes.
Producing a retirement income that is resilient in the face of a changing economic environment can be challenging. Increasing inflation and interest rates are leading many advisers to reassess elements of their portfolio asset allocations. In the current climate, the outlook for fixed income has become challenging, especially since interest rate increases can have a detrimental impact on capital values. So how do you build an income portfolio that copes with the ups and downs of the investment and economic landscape and also the changing circumstances of clients? In light of a New Consumer Duty, demonstrating that clients are receiving the outcomes they were expecting is absolutely paramount. We are in a challenging period and who knows for how long? Some would say that It’s in less than buoyant times that advisers add massive value. At the same time, we have seen substantial increases in the rates of guaranteed income available. In this session we will examine how this can form part of the client’s overall income strategy, whilst still allowing for the flexibility of pensions freedom and mitigating some of the cost of living challenges being experienced. Meanwhile, the regulator has continued to emphasise the need to ‘shop around’ when it comes to secure pension income. This is always important and can make a big difference in financial wellbeing and income sustainability, especially given changes we have seen over recent months. Given all of this, what alternatives do advisers have when it comes to configuring drawdown portfolios?
Recognise the current economic and regulatory challenges around retirement income
Consider how higher levels of income can be sustained
Understand how legacy provision can be improved
Explore how retirement plans can be made more resilient
Business Relief (BR) has existed for decades and is now a key pillar of the government’s strategy of directing growth capital to companies that need it. Investors may be handsomely rewarded for investing in businesses and products that qualify for BR. For those embarking on later life financial planning, the allure of freeing assets from inheritance tax may be strong. But there are risks. What if BR legislation were to change? What market risks are you exposing your clients to? How credible are the solutions available? This presentation from Close Brothers Asset Management will address some of these concerns and look at the type of clients who may typically benefit from considering BR. It will explore the origins of this legislation, how financial planning and investment advisers can work together to provide successful strategies to mitigate IHT, and will focus expertise on one area: smaller company investing to achieve BR. What are the opportunities? Where are the pitfalls? How can we manage the risks? How
Refuel and build up your professional network
Inheritance Tax (IHT) has never been more topical. Both the nil-rate band (NRB) and residence nil-rate bands have once again been frozen by the Chancellor and projected IHT receipts are about to hit record levels. For many clients this will be the first time they have seen house prices and asset values fall, with high inflation and rising interest rates this creates a number of challenges. Older clients may also be concerned as to how they can effectively fund their retirement whilst making provisions for later life care. With that, the biggest wealth transfer to ever take place is happening now and financial advice plays the important role of ensuring that clients can live comfortably today and pass on wealth generously in the future. Baby Boomers are said to be the wealthiest generation, controlling 80% of the UK’s wealth and in many cases, they are also the largest demographic obtaining advice. With Millennials and Gen Z set to benefit from that inheritance, it raises the question - h
Articulate the reasons for concern around IHT, and why Business Relief investing may be an attractive option for many clients
Identify intergenerational planning opportunities within your existing client bank
Understand the characteristics of different generations and routes to engage with Millennials and Gen Z
How has the investment landscape changed?
Will the current strategy yield the same results?
It won’t be easy, but there are some rules that can be followed
Grab yourself some lunch whilst speaking with our subject matter experts
The cost-of-living crisis continues, as inflation remains elevated at the highest levels for over 40 years. As a result, this year we have seen volatility and wild gyrations in financial markets, as investors come to terms with this new normal. Many clients will be looking to safeguard their retirement income in this volatile environment. We will discuss how you can adapt retirement income strategies, whilst remaining focused on client objectives.
Identify how clients’ objectives and priorities in retirement have changed
Explain the impact of volatile economic environments on a client’s retirement objectives and portfolio
Describe how a layered allocation approach could be used effectively to underpin a client’s retirement portfolio using guaranteed income
Refuel and build up your professional network
In the face of the cost-of-living crisis and growing evidence that in many areas across the UK we are starting to see a marked decline in healthy life expectancy, this session will focus on state benefit entitlement for clients and their older family members approaching retirement and in later life.
Now that the much heralded care reforms for England have been deferred for two years, the requirement for advice for those in need of care and their carers and legal representatives is arguably greater than ever. In this session Tony Miles will provide an update on the state of care reforms across the UK and highlight four specific advice opportunities for 2023 that all advice firms should consider.
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.
Martin heads up Just’s team of Retirement and Later Life Specialists, supporting adviser training events and conferences across the UK – and online! He joined Partnership in 2009, ahead of the creation of Just, having worked alongside local and national adviser firms on pensions and retirement-related issues. He is a regular speaker at financial services events with subjects ranging from the technical issues to consumer vulnerability and behavioural bias.
Close Brothers Asset Management
Company: Close Brothers Asset Management
James is an Investment Specialist at Close Brothers Asset Management (CBAM). He provides investment support to all distribution channels across CBAM’s suite of investment propositions. Prior to joining Close Brothers in April 2019, James spent a total of 12 years working within the private client investment team at HSBC Global Asset Management, overseeing multi-asset investment portfolios for private individuals, their pensions, trusts, corporate accounts and charities. James is a Chartered Fellow of the Chartered Institute for Securities & Investment (CISI), having completed the Chartered Wealth Manager qualification. He also holds the Investment Management Certificate (IMC).
Company: Time Investments
Colin has worked in Financial Services for nearly 30 years, he started his career as a Mortgage Adviser with the Halifax in 1990. He then became a Financial Adviser, still with the Halifax, and re-located from London to Wakefield in 1993. Colin has lived in Wakefield ever since. Colin has held various BDM roles, including with Zurich and Metlife, for over 10 years. He has worked predominantly in South Yorkshire since moving to Wakefield and his most recent role was with Octopus Investments for nearly six years, where he covered South Yorkshire, Nottingham and parts of the North West .
Legal & General
Company: Legal & General
Tom Carroll Key Account Manager Tom started at Legal & General in January 2021 and joined from Old Mutual, a specialist platform business where he was responsible for distributing their investment proposition to advisers. Tom previously worked at MetLife, with distribution responsibilities for their pre and post retirement propositions including unit linked guaranteed drawdown and fixed term annuities. Tom works with key accounts in the north of England, Scotland and Northern Ireland helping them to grow their business through our range of retirement solutions.
About Consulting Group
Company: About Consulting Group
Jon started his career as a financial adviser and since then has spent time as head of technical and training departments for two major life offices. He has written and edited numerous textbooks across pensions, protection, and later life financial planning as well as helping businesses hire and inspire neurodiverse talent, and better serve neurodivergent clients.
Miles Associates Ltd
Built around a former 17th century residence, Tankersley Manor Hotel and Spa is set in an elevated position backing onto woodland, just one minute from Junction 36 off the M1 with complimentary parking. Boasting 98 bedrooms, with the majority of these being newly refurbished, which feature rich layers of craftmanship and charming pops of colour, making guests feel instantly at ease. Leisure facilities include a gym, swimming pool, jacuzzi, sauna and steam room, plus five spa treatment rooms to unwind in after a day of business or leisure.
Nearby attractions include Elsecar Heritage Centre, Cannon Hall and Chatsworth House. Back at the hotel the Bar and Brasserie provides a warm, welcoming place for guests to relax and enjoy hearty Yorkshire-favourite food by the open fire. The versatile hotel is perfectly suited to both business and leisure guests, with 11 event rooms able to accommodate up to 400 delegates – perfect for business meetings, conferences and special events including traditional manor house weddings.
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