We hope that you can join us for a seminar that’s in your area.
You can register for either the morning, lunch or afternoon session where both speakers will be presenting.
The sessions will have a running time of 90 minutes, with the morning session being held in Preston, the lunch session in Liverpool, and afternoon session in Manchester. Food and refreshments are available at each venue before the seminars begin.
A CPD certificate of 45 minutes will be offered for both speaker's presentations.
Hear Investment Director of Fixed Income for Royal London Asset Management, Ewan McAlpine, speak on understanding the risks in credit investing. Joined by Business Development Manager, Fiona Hanrahan, who will discuss 'The business owner'.
There has been much discussion regarding the growing proportion of lower-rated bonds in the corporate bond or 'credit' markets, and some observers attach a great deal of risk to this phenomenon. Given the outlook for fixed income markets over the medium term, this session considers how various bond asset classes may behave and suggests solutions for managing the actual risks present.
Ewan McAlpine - Investment Director, Fixed Income, RLAM
Ewan joined RLAM’s Fixed Interest Team in 2012. He has more than 20 years experience in asset management and bond markets. Ewan spent a number of years as a scientist before beginning a career in finance in 1993, initially with the London Stock Exchange, and subsequently with a number of major asset management firms including Henderson, Schroders and Insight. Prior to joining, Ewan was a portfolio manager at Rogge Global Partners. Ewan has a degree in Applied Physics from the University of Strathclyde.
In this presentation we will highlight the rise in business owners and we will discuss some of the implications in terms of the need for financial planning. We then consider the importance and benefits of pensions before looking at the implication of the annual allowance and the potential for the tapered annual allowance to apply to the business owner.
We then go on to consider the limited company, the wholly and exclusively rule and how taxation of dividends works. In terms of extracting profits, the three options – salary, dividends and pension contributions are compared.
In the final section we consider the various options a business owner has on retirement. We consider pensions and other wrappers but also using the proceeds from a pension fund to purchase a property and the implications of death on these strategies.
Fiona Hanrahan - Business Development Manager, Royal London
Fiona has worked in financial services since leaving the University of St Andrews in 1998. She has worked mainly in technical roles although has also worked as a Chartered Financial Planner. She has worked for Royal London since 2015. Fiona is a fellow of the Personal Finance Society and has an MBA from the Open University. She is also the current president of the Insurance Society of Edinburgh. Fiona has young twins who take up most of her spare time although she likes visiting new cities, going to the cinema and keeping fit.