Retirement

It's been a turbulent few years for pensions and retirement with the secular fall in interest rates which did enormous damage to the DB pension sector. We've also had a massive regulatory change affecting how much we can take out of pensions in terms of lump sums. This Masterclass discusses these topics and also takes a look at auto-enrolment and reliability on new technology helping us to save for retirement. On the panel to discuss are:...

Tutors:

• Peter Carter, Retirement Advantage
• Andrew Tully, Retirement Advantage

Learning outcomes:

1. How to approach retirement pots as an adviser
2. What are different strategies for drawdown
3. How to select the best strategy for different clients

Tutor:

• Jamie Clark

Learning outcomes:

1. The scale of the auto-enrolment market and opportunities it represents
2. What happens when an employer fails to pay auto-enrolment fines
3. How to approach moving a scheme

Tutors:

• Jennifer Gilchrist, Royal London
• Graham Duffy, Just

Learning outcomes:

1. The government's attitude to social care and what the law says
2. Examine the barriers/gaps in the market for potential care products and how advisors should approach this as part of a proposition

Tutors:

• Aston Goodey, Retirement Advantage
• Andrew Tully, Retirement Advantage
• Richard Nuttall, SimplyBiz

Learning outcomes:

1. Define drawdown post pension freedoms and its opportunities and challenges
2. Explain longevity risk, sequence of returns and mortality drag

Tutor:

• Vince Smith-Hughes, Prudential

Learning outcomes:

1. How DB schemes calculate transfers values
2. Whether transfer value analytics is still relevant
3. How the regulator will shape TVAS moving forwards

Tutors:

• Sir Steve Webb, Royal London
• Vince Smith-Hughes, Prudential
• Justin Corliss, Royal London

Learning outcomes:

1. The FCA's attitude to and guidance on pension transfers
2. The pros and cons of a pension transfer
3. How to deal with clients who insist on a DB transfer

Tutor:

• Jan Holt, Just

Learning outcomes:

1. FCA research and publications about vulnerable consumers
2. The issues that arise when consumers find themselves in vulnerable circumstances

Tutor:

• Jan Holt, Just

Learning outcomes:

1. The role of guaranteed income for life provided by an annuity
2. How to identify when equity release can support a client's financial plans
3. How to review proposition and process to ensure both clients and firms are properly protected

Tutor:

• Graham Duffy, Just

Learning outcomes:

1. The changes to health and longevity for the elderly
2. Key client needs when a care requirement arises
3. The background to provision and funding of social care

Tutor:

• Jeremy Martin, Just

Learning outcomes:

1. The triggers that might result in exit from drawdown
2. The role for guaranteed income for life provided by an annuity in assessing suitability for drawdown

Tutor:

• Jeremy Martin, Just

Learning outcomes:

1. The latest FCA research and publications about consumers at and in retirement
2. The risks that client face during retirement
3. The role of guaranteed income for life provided by an annuity

Tutors:

• Jan Holt, Just
• Lorna Blyth

Learning outcomes:

1. The need that many of your clients have for guarantees for their income
2. Strategies to create a solution for sustainable income for differing client needs

Tutors:

• Steve Martell, Just Retirement
• Les Cameron, Prudential

Learning outcomes:

1. How the changes introduced by the March 2015 budget affect those coming up to retirement
2. How to assess a client's capacity for loss and attitude to risk