We’d like to welcome you to our first Royal London pension roadshows of 2019!
We’re hosting these as a chance for you to have face to face contact with our experts who’ll be sharing their knowledge within the world of pensions and investments.
Our speakers will talk through key changes and developments in these areas, offering CPD certificates for each session. You'll also have the opportunity to ask some questions and discuss any challenges that you and your business are facing.
During registration you'll have the chance to enjoy some food and refreshments whilst chatting amongst peers and colleagues.
Here's a few words about our roadshows from our Head of Strategic Partnerships, David Ellis:
At Royal London we believe the best customer outcomes and experience will always be anchored in quality impartial advice. That’s why we choose to focus on developing solutions that will help you deliver the crucial services your client’s need. A key part of our approach is to engage with advisers face-to-face to talk through important matters of the day. This is the purpose of our pension roadshows. We very much look forward to see you at your local event.
Throughout this presentation we investigate the pension issues Royal London’s technical team are regularly asked about. This gives us the purest insight into the areas advisers are seeking clarification in order to assist their clients. We include planning points at the end of each section to demonstrate practical measures advisers can use to alleviate some of the problems their clients may encounter. We’ll take a look at State Pension, and the impact of the introduction of the New State Pension in April 2016.
We also look at funding issues with regards to the State Pension, how these are impacted by increasing longevity as we explore the various remedies being proposed by the Cridland review and the Government Actuarial Department’s most recent Quinquennial Review. From here we consider the Tapered Annual Allowance (TAA), which will really start to impact more clients this tax year as we have now passed the 3rd anniversary of its introduction. This involves a case study and looking at the financial considerations as well as the wider implications which must be considered.
Lastly we consider the Retirement Outcome Review. In June 2018 the FCA released the final report on ROR which primarily looks at issues affecting the non-advised drawdown market. We investigate the findings from this report and but also consider what impact these findings could have on the advised market in the future.
Justin Corliss - Senior Business Development Manager, Royal London
Justin’s first foray into Financial Services was in Australia in 1997 with Commonwealth Bank of Australia working predominately in retail mortgage lending. In 2002 Justin and his British wife moved to Scotland where he worked in broker consultant roles with both Scottish Widows and Scottish Life before spending a brief period as an Employee Benefits Consultant dealing predominately with Auto Enrolment and associated business consultancy.
Justin has studied continuously since arriving on these sunny shores and holds the Advanced Diploma in Financial Planning including the CeMap and Lifetime Mortgage qualifications. His primary focus is pension planning and he holds the AF3 qualification.
Since pension freedoms were introduced, we’ve seen more people using income drawdown than ever before. The number of plans purchased has more than quadrupled since 2013.1 However, income drawdown is not without its risks. Research has shown that individuals have a tendency to underestimate their life expectancy and there’s a real danger that people could run out of money in retirement.2
This presentation will look at different ways to invest in retirement and how to manage client expectations when it comes to income sustainability.
Euan Craig - Investment Proposition Manager, Royal London
Euan Craig is an Investment Proposition Manager in the Investment team at Royal London. He is responsible for the day-to-day management of the RLI investment proposition, as well as contributing to a number of committees across the Group, both investment and otherwise. After graduating from University in 2011 with a degree in Business Studies, Euan initially joined the Protection arm of Royal London before moving into the Investment team in 2014. Euan is also a holder of the Investment Management Certificate.
Breakfast and registration from 09.00
Session 09.30 - 11.30
Holiday Inn Newport
Please register your car at reception to receive complimentary parking.
Lunch and registration from 13.00
Session 13.30 - 15.30
Aztec Hotel & Spa
Car parking is complimentary.