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.

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.

educationIncome drawdown - the good, the bad and the ugly

income drawdown cpd image

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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educationLifetime allowance – a master-class of the technicalities

income drawdown cpd image

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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educationLifetime allowance – take it to the limit…and beyond

LTA cpd image

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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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

annual allowance cpd image

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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Pension contributions and tax relief 

good parent portfolio cpd image

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

Tax relief and annual allowance

good parent portfolio cpd image

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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Death benefits

death benefits cpd image

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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MiFID – a PROD at the adviser impacts

death benefits cpd image

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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Pensions and divorce

pension and divorce cpd image

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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Steve Webb on the state pension

Steve Webb on the state pension umbrella visual

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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This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit royallondon.com.

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.