FOR ADVISERS ONLY
Pensions CPD hub
Online resources for your continued professional development
You need to complete a minimum of 35 hours of CPD each year for retail investment activities, of which 21 hours should be structured. If you also sell insurance, the 15 hours required by the Insurance Distribution Directive (IDD) can be included in that.
Responsible investment - ‘Back to the sustainable future’ webinar
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.
Income drawdown - the good, the bad and the ugly
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.
Workplace pensions
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.
Benefit options and lifetime allowance
The main purpose of a pension is to provide a member with an income when they reach a certain age. This section provides information on the way benefits can be taken and the limits, protections and allowances that are available to your clients.
Lifetime allowance – a master-class of the technicalities
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.
Lifetime allowance – take it to the limit…and beyond
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.
Contributions, annual allowance and tax relief
This section covers various aspects of contributions paid to UK Registered pension schemes including information on tax relief and the annual allowance including carry forward.
Annual allowance, who's afraid of the big bad tax charge
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.
Business owner - the need for financial planning
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.
Pension contributions and tax relief
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.
Tax relief and annual allowance
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
Death benefits
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.
MiFID – a PROD at the adviser impacts
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.
Pensions and divorce
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.
Steve Webb on the state pension
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.