Exploring tax efficient retirement income strategies and keeping CGT in order.
Learning Objectives
In this session we covered…
- What tax matters to consider for pensions
- Which tax wrappers, in what order?
- Keeping CGT in order
- What the DFM has that got to do with CGT?
- Making sense of the numbers with CGT (calculations)
Take a deep dive into the lifetime handling of a bond
Learning objectives
In this session we covered…
- Dealing with an estate
- What tax is due on a bond and who pays it?
- Succession planning
- How a Discounted Gift Trust can be used
- Single life or joint life?
- Using a Loan Trust
- What about the grandchildren?
Looking at how you build and manage your SRI/ESG strategy
Learning objectives
In this session we covered…
- Chargeable event regime
- The power of gross roll up
- Top slicing – basic and advanced
- Update on the Silver case with worked examples
- Bonds vs GIA
Looking at how you build and manage your SRI/ESG strategy
Learning objectives
In this session we covered…
- How to comply with MiFID 2 and FCA requirements
- Tips on discussing this with clients
- Researching this area
- The compromises clients might have to make
- A paraplanner’s experience of building a firm’s process and strategy.
Looking for an introduction or useful refresher on UK tax for savings and especially offshore bonds? Here we take it all the way back to the essentials.
Learning objectives
In this session we covered…
- Overview of different taxes
- UK savings regime
- Structure of bonds
- Taxation of bonds
- Myth busting
- Reasons to use an offshore bond
Active. Passive. Multi-Asset. Evidenced Based. Advisory. Discretionary. There’s plenty of jargon there but what do they all mean? How do they work? Is it possible to work out which one is best?
Learning Objectives
In this session we covered…
- The jargon and what it means
- How do the different investing approaches work
- How do you determine the right approach
Paraplanner productivity hacks and ideas for process improvements.
Learning objectives
In this session we covered…
- Managing your time and your inbox (not just hitting delete)
- To do lists and prioritisation
- The art of delegation
- Tracking time – tools and tips
- How to focus – setting yourself up for success
- Procrastination: How not to!
Explore the basics of ethical investing.
Learning objectives
In this session we covered…
- Understanding the terminology – ethical, ESG, SRI, sustainable etc.
- Navigating the range of products and styles of ESG investing
- The change in attitudes to ESG among companies and investors
- Greenwashing! How can investors combat this?
- How ethical considerations vary for different asset classes and regions
- Pros and cons of the increasing amount of data and ESG ratings available
- Active versus passive in ESG investing, what are the advantages or disadvantages?
- Negative screening
- MIFid II – Discussions with your clients
State Pensions are an important part of many peoples’ financial plansplans and in this video we explore the considerations.
Learning objectives
In this session we covered…
- How state pension age has changed and further proposals to amend Comparison of old State Pension and new State Pension
- What will your client get?
- What are the differences?
- How the State Pension is Accrued
Foundation amounts
- Qualifying National Insurance credits and pitfalls to avoid
- Working and retiring abroad
- State Pension death benefits
- Differences between old and new state pension
- Guiding your client through a State Pension forecast
- Assessing what your client may get
- Eligibility and cost of topping up state pension
- Considerations before topping up state pension
- State Pension deferral
- Comparison of old State Pension v new State Pension rules
- Who can defer?
- Considerations for deferring and alternative options
This video covers the essentials for those of you trying to get your head around Centralised Retirement Propositions, or are some way along the journey of implementing one.
Learning objectives
In this session we covered…
- What is a CRP and how is it different to a CIP?
- The context to CRPs including PROD, the Retirement Suitability review and Dear CEO letters
- Where a CRP can help
- How firms use CRPs
- What can you include in your CRP