Latest Talk
Retirecast Episode 3 - Sustainable strategies for spending
Having previously looked at the technical and personal factors in setting objectives, we’ll move on to the ways in which they can be met. What is the best
approach given the client's circumstances? How do you provide evidence to support either an investment-based plan or a safety-first strategy? Is a combin…
On-demand talks
Retirecast Episode 3 - Sustainable strategies for spending
Having previously looked at the technical and personal factors in setting objectives, we’ll move on to the ways in which they can be met. What is the best
approach given the client's circumstances? How do you provide evidence to support either an investment-based plan or a safety-first strategy? Is a
combination of different solutions most appropriate? What are the factors we need to consider and how might these change through retirement? In this ses…
The Care Report
When it comes to long-term care provision, people aspire to a decent standard of care. Yet the fact so few people make formal plans for their own future
care means that if and when that day arrives they – and their family – face a steep and expensive learning curve at a time of high emotion. In this session we
explore the findings of our recent Care Report, shedding light on the main concerns and what advisers can do to respond. Learning Objectives: • Underst…
Retirecast Episode 2 - This time it's personal
Having previously looked at the need for a specific retirement advice process in episode 1, this session explores what’s needed to fully understand a client’s
aspirations and the steps needed to achieve them. After all, every client is individual, so how does a single process respond to numerous financial needs?
How do you account for differing levels of client understanding that might influence the reality of retirement goals? We’ll look at the level of detail needed t…
Retirecast Episode 1 - Why spending needs a different approach to saving
The thematic review of retirement income advice highlights the need for a different approach as clients move from saving to spending. The transition from
‘accumulation’ to ‘decumulation’ presents a number of key challenges and it’s important that the risks are covered and actions evidenced. In this first
session, we’ll look at the key aspects and the ‘foreseeable harms’ that need to be accounted for. We’ll also explore the need to consider all strategies, inclu…
Retirement - Communication and consumer understanding
In the FCA’s Dear CEO letter in October 2024, they emphasised the importance of ongoing advice and maintaining appropriate records to demonstrate good
outcomes. For those taking benefits, aspects of the plan are likely to change through retirement, whether that be due to changing legislation, personal
circumstances or portfolio suitability. Helping clients to understand any ‘resetting of the sails’ is hugely valuable. But how do you demonstrate the actions th…
The ‘uncapped’ need for care advice
Whilst numerous initiatives around care funding have been proposed over the years, many clients are left unaware of the realities of the long-term care
system. They need professional advice at a time when they may be in acutely vulnerable circumstances. Advising in this area can be rewarding and beneficial
for both clients and advisers, but it also requires specific knowledge and skills around navigating the care system and securing funding. We’ll be joined by Ja…
Retirement lifestages and the value of reviews
Recent FCA guidance on retirement income advice puts a lot of emphasis on creating a robust plan, showing how to achieve the client’s objectives based on
all the information on file. But it’s not just about the hard data - it’s also about knowing the client, their need for flexibility and various retirement goals. In this
session, we’ll explore ideas and industry guidance on how to review a client’s plan throughout retirement and into later life. Learning Objectives: • Examin…
Underwriting uncovered - How to get the best guaranteed income for life
Pension annuities are a popular means of securing a guaranteed income for life. However, the amount of income that an annuity can provide depends on
several factors, such as the age, health, and lifestyle of the annuitant, as well as the type and features of the annuity. The role of the adviser in guiding the
client through the process can make a big difference to the accuracy of the rate and ensure the client gets the income they are entitled to. In this webinar,…
Series
Healthy, Wealthy... & Vulnerable?
Welcome to this series of talks from our conference, ‘Healthy, Wealthy…& Vulnerable?’ We’re delighted that you have chosen to view this series which
features some of the leading experts on consumer vulnerability, including: · Keith Richards, Chief Executive Officer, Consumer Duty Alliance · Tim Farmer, …
Consumer Duty Focus - Retirement and Later Life
As we draw closer to the full implementation of the Consumer Duty, we will be looking at the impact for firms advising on retirement and later life. The need
to respond to the changing needs of clients has come at a time when many are facing challenges due to significant moves in the investment market, a bac…
Retirement portfolios – time for a more sustainable approach?
For clients relying on a drawdown portfolio for retirement income, the combination of higher inflation, rising interest rates and capital market volatility have
put asset allocations under intense scrutiny. The positive correlation between equities and bonds over the last 12 months has meant the usual defensive a…