Pensions Roadshow

Thursday 2 May 2019

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 begin by looking at the State Pension and the impact of the introduction of the New State Pension in April 2016. We consider funding issues with the State Pension and how these are impacted by increasing longevity. From here we explore the various remedies being proposed by the Cridland review and the Government Actuarial Department’s most recent Quinquennial Review.

Next we consider the Retirement Outcome Review from the interim report in 2017 to policy statement PS19/21 released in July 2019. We explore the key changes resulting from the review and the impact these are likely to have on both advised and non-advised individuals approaching retirement.

We finish by considering IHT and pensions, when IHT can arise and guidance on how the IHT charge may be calculated.

Learning outcomes:

  • Identify the key legislation changes relating to the State Pension
  • Understand the main concerns raised by the Retirement Outcome Review
  • Comprehend the issues with IHT and pensions

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.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.

Learning outcomes: 

  • Identifying risk factors and regulatory concerns associated with income drawdown
  • Understand how to invest to meet customer needs in drawdown 
  • Recognising the varying needs of clients in retirement and understanding the considerations involved in meeting those needs


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.

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The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.