FOR ADVISERS ONLY
...that a centralised retirement proposition (CRP) is more than just the latest retirement buzz word. Despite this there still appears to be no universal definition of what a centralised retirement proposition (CRP) actually is. This isn’t just an income-based CIP A starting point for some may be to take...
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Retirement planning
Centralised retirement propositions In this webinar, Ryan explores the intricacies of centralised investment proposition (CIP) and centralised retirement proposition (CRP) frameworks, their relationship with the PROD rules and looks at how the financial planning community has been adopting...
CRPs and Covid-19 Ryan Medlock 6 April 2021 Share Share In this final instalment, it’s time to turn the screw on the investment strategy used within your CRP because the Covid-19 pandemic has added an unexpected and challenging twist to the tale. As we’ve already discussed, a centralised retirement...
...interest in adopting a CRP approach has been much more muted than the rapid take up of centralised investment proposition (CIPs) that we saw post Retail Distribution Review. Part of the issue may stem from confusion with terminology. The first feature in this series highlighted that many adviser...
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...is very different to the accumulation phase. The FCA also views these as two very different and distinctive stages. Having a robust process in place to separate the two can only be a good thing and that’s where centralised retirement propositions (CRP) come into play. A little CIP of history...
Investment governance
, your Centralised Retirement Proposition (CRP). This includes re-evaluating your processes for fact-finding, assessing your retirement clients’ risk appetite and capacity for loss as well as managing sequencing risk, income withdrawal rates, longevity and of course, income sustainability...
PROD process. Support material Download our PROD checklist to help you design and implement a compliant and robust PROD process. The Does your CIP/CRP stand up to scrutiny? booklet gives you some points to consider to help you make sure your CIP/CRP continues to stand up to scrutiny. Find out more...
...of centralised investment proposition (CIP) and centralised retirement proposition (CRP) frameworks, their relationship with the PROD rules and looks at how the financial planning community has been adopting and integrating these models within formal advice processes. Recorded on 19 November 2020. Centralised...
Information and guidance
Centralised retirement propositions After watching this webinar you’ll be able to: recognise the FCA’s concerns about retirement income advice develop an understanding of the relationship between the PROD rules, centralised investment propositions (CIP)s and centralised retirement propositions (CRP)s...
...income requirements have actually increased, have a discussion with the client and review their plan to determine whether they can take additional risk to achieve a more sustainable level of income. 3. Time to consider a centralised retirement proposition (CRP) approach? The argument for adopting...
...add to the existing FCA rules on how at retirement advice will be judged, call for clients to be segmented into target market groups with similar characteristics, needs and objectives. As part of a robust Centralised Retirement Proposition (CRP), these target market groups are aligned...
...for advisers ...that a centralised retirement proposition (CRP) is more than just the latest retirement buzz word. Despite this there still appears to be no... Centralised retirement propositions - Royal London for advisers Centralised retirement propositions In this webinar, Ryan explores...
...retirement proposition (CRP) frameworks, their relationship with the PROD rules and looks at how the financial planning community has been adopting and integrating these models within formal advice processes. Recorded on 19 November 2020. Centralised retirement propositions CPD | Transfers...
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