hero mobile image

Our seminars are designed to inform and educate on a wide variety of topics. Below you'll find a list of our latest live seminars to register for. Plus access to recordings of our "Managing Future Risk" seminars.

All our seminars qualify for accredited CPD.

Upcoming Seminars

 

To wrap or not to wrap - that is the question

Thursday 21 October 2021 - 10am - 11.30am (1 hour session followed by 30 minutes Q&A) 

In days gone by, choosing between bonds and Open Ended Investment Companies (OEICs)was often seen as an investment decision. And to this day there are some investments that cannot be held as an OEIC and instead need to be held within a tax wrapper. But in this modern world of open architecture, OEICs can be held directly by the individual or indirectly through a tax wrapper.  

On this virtual seminar, Les Cameron, Head of Technical at Prudential, Graeme Robb, Senior Technical Manager and Vince Smith-Hughes, Director of Specialist Business Support, will explore and debate the pros and cons of holding OEICs either directly, or indirectly through an insurance bond tax wrapper through a series of case studies.  

You’ll be able to have your say too as we’ll be asking you your thoughts on the case studies – so will you...’wrap or not wrap’?  And you’ll also have the opportunity to ask questions - our presenters will stay online for an extra 30 minutes to answer questions on the content or anything else that springs to mind. 

So, please join us for what promises to be a lively debate on this topic.   

Learning outcomes - to understand: 

  • Taxation of insurance bonds
  • Taxation of OEICs 
  • Advantages and disadvantages of using OEICs within an insurance bond tax wrapper 

Seminar recordings

Future-proofing Fridays 

Part 1 - 'Future-proofing your business for sale'

17 September 2021

‘The best day to plan for an exit from your business is the day you start it. The second-best day is today’.

Having navigated the difficult process of building and selling their respective regulated advice businesses, we’ve teamed up with Victoria and Brian of City & Capital Acquisitions who provided insight into the acquisition landscape, and to help you view your business through the eyes of an acquirer. They are candid about the opportunities that exist, and clearly outline often simple fixes to improve business attractiveness, but also reveal some of the minefields and trip hazards both pre and post-sale, that ultimately result in a successful exit, or not.

This is an informative session designed to instill confidence for the complex process ahead, build a better understanding of how to get your business ready for succession and/or exit and to improve your business valuation and attractiveness, whether you are seeking a sale imminently, or whether you are building with the ultimate end in mind.

Watch the recording and gain 60 minutes structured CPD.

Part 2 - 'Future-proofing your pension advice processes'

24 September 2021

In an industry that’s continually changing, keeping abreast of everything isn’t always easy. We all understand the risks associated with retirement planning – you advise clients in this space every day. But how do you get there, and what does the regulator say when it comes to your business and the processes you have in place?

With such a focus on expanding your centralised investment proposition into a centralised retirement proposition, you may be asking yourself what difference it makes and do you need to have one.  And of course, could this affect your clients and their desired outcomes.

Two of our Pension Business Development Managers, Kirsty Anderson and Andrew Nash, led this discussion, debating and challenging the key areas affecting advice firms today. They reflected on what’s happened in the last 12 months and what this could mean in the future. 

Ultimately, everything you do as a firm flows into your advice processes – so how do you evidence client understanding and demonstrate the risks associated with investment planning?

Watch the recording and gain 60 minutes structured CPD.

Part 3 - 'Future-proofing your Legacy planning' 

1 October 2021

The latest statistics on Inheritance Tax (IHT) show that cash comprises just under a quarter of the assets held by taxpaying estates.

With over 96% of taxpaying estates holding cash and an expected £5.5 trillion of assets expected to pass down the generations in the next two decades, this is a wonderful opportunity for advisers to get involved in future-proofing clients’ wealth.

That is, getting your wealth to the right people at the right time with an acceptable amount of tax.

On this seminar, Les Cameron – Head of Technical, looked at the key building blocks of an IHT strategy and where standard insurance company trusts fit in.  He was joined by Technical Managers Graeme Robb, Neil MacLeod and Barrie Dawson who put the case forward for a gift trust, a loan trust and a discounted gift trust, explaining why their trust should be getting the money from three different case studies.

Watch the recording and gain 60 minutes structured CPD. 

PruFund Planet - a world of good

12 August 2021

Vince Smith-Hughes – Director, Specialist Business hosted the seminar, and he was joined by four of our investment experts – Cat McInally, Investment Business Development Manager, Ben Hamilton and Olivia Trevor - Investment Manager Oversight Analysts and Michael Watt, Investment Director.

The panel discussed what makes PruFund Planet different to other Environmental, Social and Governance (ESG)-friendly funds available in the market and how the wider ESG market is developing. This included the practicalities of helping clients decide what may be appropriate for them, whilst also providing a robust suitability process with ESG embedded within it to complement clients’ other goals and objectives.

They also talked about the investment ‘building blocks’ of PruFund Planet and the part it plays in the wider PruFund universe.

Watch the recording and get a Certificate of Attendance.

Onshore... Offshore - you decide!

6 July 2021

Onshore or Offshore? It's an age old question when it comes to insurance bonds.

On this seminar, Les "Offshore" Cameron, Head of Technical and Graeme "Onshore" Robb, Senior Technical Manager, looked at the different tax and advice issues with onshore and offshore bonds.

Having covered the issues, Vince "I'm neutral" Smith-Hughes, Director of Specialist Business Support introduced an individual, company and trustee client and asked the audience to decide onshore or offshore. Les and Graeme then explained why they should get the business. Will you change your mind and what will win - on or off? 

Learning Outcome - to understand:

  • The respective merits and tax treatment of both Onshore and Offshore bonds with respect to individuals, trustees and corporates.

Watch the recording and gain 60 minutes structured CPD.

Previewing the review for clients in SIPP drawdown

9 June 2021

With the introduction of pension preedoms and with it, the rising demand for DB transfers and DC consolidation, the last five years has seen low-cost SIPPs become even more popular with investors and advisers. The attraction of wider investment choice combined with increased flexibility has helped drive this demand, but with it a more complex advice process. With the recent market volatility, future uncertainty and changing client circumstances - couple with ever changing regulation - it's time to simplify advice for retiring and retired individuals. 

On this seminar we've team up with Brewin Dolphin and XPS Self Invested Pensions, and looked at what advisers should be considering when conducting client income drawdown reviews - challenging the thought process on three critical questions of a review: Is it still meeting the client's objectives and needs; Is the income still sustainable; Is the investment still suitable? We also explored different investment techniques, products available and share best practice from the recent FCA finalised guidance on DB transfer, and what it could mean for drawdown advice.

Learning Outcomes - to understand: 

  • Blending investment strategies for drawdown 
  • Drawdown reviews
  • The lessons we can learn from the FCA DB guidance for drawdown advice
  • Whether it's worth taking investment risk if close to or at the LTA?

Watch the recording and gain 60 minutes structured CPD.

Understanding the Investment Paradox

20 May 2021

As many places in the world still deal with the pandemic we also see exuberant stock markets. So how should investors confront how to play a post-coronavirus recovery?

On this seminar, you'll have heard about our asset allocation outlook for 2021 and our views on the key themes across Fixed Income, Equities and Property to try to identify where the likely investment winners and losers will be going forward.

Learning outcomes - to understand:

  • The possible drivers and structural shifts to consider when asset allocating and where we're allocating in the 2021 Strategic Asset Allocation 
  • Where the value is in Fixed Income markets while rates and yields remain so low and whether the flood of support from governments and central banks could stoke inflation from consumers
  • What next for Commercial Property, where do we see threats and opportunities within this asset class
  • Where the opportunities in equity markets are and what the main drivers for diversification in equity allocations are

Watch the recording and gain 150 minutes structured CPD.

The Future of Pensions Advice: Part 1 – ‘Definitive breakdown of the final Defined Benefit Rules’

In this seminar, Mark Devlin, our Senior Technical Manager for Pensions, talked about the final piece of the Defined Benefit (DB) advice jigsaw - the Finalised Guidance paper FG21/3 - and how M&G are responding to this guidance after its release on 31 March. 

The paper is essential to understanding the FCA's expectations and rules for advising clients on giving up safeguarded benefits. Mark walked through the DB journey since pensions freedoms landed, and highlighted what the regulator expects to see on files to back up all recommendations for safeguarded benefit transfers and conversions. 

As a slight spoiler, this will qualify for the specific CPD requirements for Pension Transfer Specialist (PTS) (more in the presentation), although you don't need to be a PTS to attend to gain the usual CPD too.

Learning outcome - to understand: 

  • The FCA's requirements on DB transfer advice encompassing the latest publication of finalised guidance FG21'3 advising on pension transfers

Watch the recording and gain 60 minutes structured CPD.

The Future of Pensions Advice: Part 2 – ‘Drawdown – have we learned the lessons?’

The FCA’s finalised guidance on DB transfers has a direct impact on retirement advice and centralised retirement propositions. In this seminar Andrew Nash, Pensions Business Development Manager at Prudential, discussed that impact and how to ensure best practice is applied in income drawdown situations.

Andrew also talked about cashflow modelling stress testing, and methods for assessing both predictability and sustainability of drawdown planning.

Learning outcomes - to understand: 

  • How FCA guidance on DB can influence your overall retirement advice process
  • Considerations for stress testing income drawdown
  • Assessing predictability and sustainability in drawdown planning

Watch the recording and gain 60 minutes structured CPD.

The Future of Pensions Advice: Part 3 – ‘Tax Relief, Annual Allowance and a pair of pension tax tools’

Pension planning is nothing without knowing the tax implications of the advice, which can involve a lot of complex calculations.

In Part 3 of this seminar series, Neil MacLeod from our Technical team outlined the theory of two of our most-used pension tools and demonstrated how to use them to produce the right outcomes for your clients.

Learning outcomes - to understand: 

  • How tax relief is given for pension contributions
  • The annual allowance rules
  • How our tools and calculators can help your clients understand the benefits of pension tax planning

Watch the recording and gain 60 minutes structured CPD.

State of the nation – Politics, Tax, Economy & Investment

Thursday 4 February

Politics, tax, the economy and investment are inextricably linked. Individually and collectively they can have a big impact on UK financial planning.

  • Politics plays a key part in tax policy and the economy. What is the current political climate? How will the national debt be dealt with? Where has Brexit taken us?
  • What changes could we see to the tax landscape?
  • And the $64,000 question - what does this mean for investments? 

As we move into 2021, Vince Smith-Hughes, Director of Specialist Business Support; Les Cameron, Head of Technical, Michael Collins, Director of Government Affairs and Mark Riggall, Head of Client Portfolio Management, took stock of the current state of the financial planning nation and pondered where we are and where we're going.

Watch the recording and gain 45 minutes structured CPD.

 

Environmental, Social and Governance (ESG) and M&G

Thursday 11 February

Cat McInally, Business Development Manager and Mark Riggall, Head of Client Portfolio Management discussed the phenomena of ESG and how it's set to change the face of investment advice in the UK. In particular they looked at what is means for M&G plc, and the ESG oversight that's applied to Prudential's funds. In addition they looked at what practical steps advisers can take now, and how to embed ESG in their new client on-boarding process and also their client reviews.

Watch the recording and gain 45 minutes structured CPD.

Later Life Planning

Thursday 18 February

With the population of the UK ‘getting older’ and indeed the most elderly cohort being the fastest growing segment – advisers have a new set of challenges when prioritising the needs and wants of these clients. With later life planning now more pressing, we looked at some of the issues these clients may face. In particular, how do you ensure clients have enough capital to last them until the end of their lives while balancing their desire to leave assets to the next generation rather than the tax man in the form of Inheritance Tax (IHT)? This can be a tricky balancing act especially should these clients require long term care bringing their assets into consideration from local authority assessments. In addition, what if you don’t want to leave your wealth to the next generation, or to be more specific, certain family members? It’s a situation most will have encountered in their dealings with clients which can lead to awkward conversations.

In this session we had an in depth look at some planning points we need to be aware of when dealing with later life planning, such as the role and responsibilities of attorneys , gifting and the treatment of different types of assets for financial assessment. We also covered off some planning points and things to consider when dealing with some of the more awkward family situations.

Watch the recording and gain 45 minutes structured CPD. 

Review of 2020, outlook for rest of 2021

Thursday 4 March

Paul Fidell, Senior Business Development Manager looked at the recent performance and Expected Growth Rates (EGRs) on the PruFund range from Prudential and also the 2021 Bonus Declaration. M&G Treasury and Investment Office also provided a market update and considered the impact of 2020 and the prospects going forward. 

Watch the recording and gain 45 minutes structured CPD. 

Exceptional Planning in extraordinary times

Thursday 11 March

Colin Simmons, Business Development Manager looked at ways to future proof your business as we make the transition towards a post Covid future. He looked at what the opportunities are when considering how we provide clients with better outcomes in relation to how their financial situation was effected by Covid. 

He considered how a pension can be used to provide exceptional planning opportunities for the different generations in these extraordinary times. How tax relief can be maximised whether a client has been a winner or sadly a loser from the pandemic, with a focus on some intergenerational planning ideas for your business and their futures. 

Return of the Consumer

Thursday 18 March

2021 – how do we move on from the year that never happened? 2020 – the year that never happened, or perhaps one we could like to forget? We saw economic activity dry up in 2020 with fewer consumers buying and few companies investing. However your choose to remember it (or not), it had a dramatic effect on the global economy and no doubt will have a lingering effect in 2021.

On this session, Cat McInally and Kirsty Anderson, Business Development Managers covered off the main investment themes for 2021. In particular they focused on the theme of inflation and the potential outcomes. There are two main trains of through around inflation for 2021. One camp will tell you inflation is dead, while others are increasingly vocal about how they believe inflation is set to return. They discussed both sides of the argument and what this may mean moving forward for your client’s portfolios, their retirement income planning and other tax wrapper advice issues.

Watch the recording and gain 45 minutes structured CPD.

Trust in the Future

Thursday 25 March

In this session Graeme Robb, one of our Senior Technical Managers explored the Trust Registration Service (TRS) and considered how it's been shaped by not one, but two Money Laundering Directives (4MLD & 5MLD). He analysed which trusts are included and which are exempt and explained what information is required, who is responsible and when. This session is vital to assist advisers when interacting with trustees.

Watch the recording and gain 45 minutes structured CPD.

 

 

"Prudential" is a trading name of Prudential Distribution Limited. Prudential Distribution Limited is registered in Scotland. Registered Office at Craigforth, Stirling FK9 4UE. Registered number SC212640. Authorised and regulated by the Financial Conduct Authority. Prudential Distribution Limited is part of the same corporate group as the Prudential Assurance Company. The Prudential Assurance Company and Prudential Distribution Limited are direct/indirect subsidiaries of M&G plc, a company incorporated in the United Kingdom. These companies are not affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America or Prudential plc, an international group incorporated in the United Kingdom.