Pensions CPD hub

After listening to this podcast you’ll be able to:

• Explain how the ban on contingent charging is being applied.
• Understand the strengthened requirement to consider a workplace pension as a destination for pension transfers.
• Explain the features of abridged advice.
• Identify changes the FCA has introduced to empower consumers during the advice process.

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After listening to the podcast you will have an understanding of:

• The background to the opportunities with independent schools.
• What the opportunities are for advisers.
• Some of the structures implemented by private schools that have already exited the Teachers’ Pension Scheme.
• Some of the advantages and disadvantages of alternative arrangements.
• The consultation process and the importance of member engagement.

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After watching this webinar you’ll understand:

• The key regulatory and legislative changes being introduced for ESG investing.
• The terms and issues relating to responsible investing.
• The global macro initiatives driving the development of sustainable finance.
• How to identify ways to incorporate ESG considerations into your advisory process.

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After watching this webinar, you will be able to:

• Identify risk factors associated with income drawdown.
• Be able to list the regulator's main concerns with income drawdown.
• Identify how you can review your client's drawdown plan compliantly and cost effectively.

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After watching this webinar, you will be able to:

• Describe the size of the workplace pension market.
• Understand the concerns of employers in relation to workplace pensions.
• Demonstrate the benefit of salary exchange in workplace pensions.
• Identify ways to add value to workplace pension schemes.

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After watching this webinar, you'll have an understanding of:

• How the lifetime allowance works, what protection is available for it and how it works upon death.
• The main features and benefits of a relevant life plan and how it could be an efficient form of life cover for those clients with a lifetime allowance issue.
• How to identify opportunities to position relevant life as a viable protection solution for your clients.

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After watching this webinar, you'll be able to:

• Evaluate the impact the LTA may have on your clients’ pension planning.
• Evaluate the impact the LTA may have on the benefits available on your clients’ death.
• Explain to clients how the LTA may affect their pension planning and how they could reduce or eliminate the impact.
• Estimate the likely LTA charge on taking benefits or on death.

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After watching this webinar, you'll have an understanding of:

• Why the LTA was introduced.
• How it works and the various protections available.
• The options available if the LTA is breached and whether an opt-out is suitable.
• Other factors impacting suitability and the regulatory requirements.

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At the end of this webinar, you'll have an understanding of:

• How the annual, money purchase, and tapered allowances work. 
• The operation and advantages of "scheme pays".
• How to calculate whether an opt-out is suitable.
• Regulatory requirements.

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At the end of this webinar, you'll be able to:

• Explain the benefits of pensions for the business owner.
• Detail the issues in pensions planning.
• Consider the business and the owner and the implications for each.
• Explain retirement and death benefit options.

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After reading this section, you'll have an understanding of:

• How tax relief works on member, employer and third party pension contributions.
• How the annual allowance, tapered annual allowance and pension input periods work.
• How the annual allowance can be reduced for high earning individuals.
• How carry forward can be used.

Read the guide

At the end of this webinar, you'll have an understanding of:

• the rules on tax relief and how much is available
• the relationship between the annual allowance and tax relief
• how to calculate the annual allowance when the taper applies
• how to calculate unused annual allowance using carry forward
• ... and more

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After watching this webinar you'll understand:

• Pension tax traps and how to avoid them.
• Intergenerational tax planning opportunities.
• How pensions can help with the taxation of other wrappers.

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After watching this webinar, you will be able to:

• Identify what death benefit choices are available.
• Explain the taxation of death benefits.
• Understand the impact of IHT on death benefits.
• Describe spousal bypass trusts and how they work.

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After watching this webinar, you'll have an understanding of:

• the main adviser impacts of the Markets in Financial Instruments Directive II (MiFID II).
• the costs and charges disclosure requirements.
• the impacts of MiFID II on the different centralised investment propositions (CIP).
• how MiFID II implements the FCA product governance (PROD) rules.

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After watching this webinar, you'll have an understanding of:

• Understand the divorce process and the options available for pensions in a divorce settlement.
• Explain the impact of pension freedoms on pensions and divorce.
• Consider the issues facing clients and solicitor connections in relation to pension and divorce.

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After watching this webinar, you'll have an understanding of:

• How the new state pension is calculated.
• Who can top up their state pension through voluntary NI and when this does and does not make sense.
• The government’s latest thinking on state pension age changes.
• How state pension deferral works under the new system.
• State pension statements.

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