Independence v Restricted - Implementing the right model for us and our clients

Phil Billingham, Chartered Financial Planner
Many IFA’s have expressed concern about the choice between independent and restricted business models.

There are emotional ties to being independent and for many that is a major driver. Others want to run the ‘right’ business model for them and are confused by the ‘noise’ that says “restricted is fine, your clients won’t mind and you can make more profit that way.”

But is there an agenda behind this message? Or perhaps more than one?

This webinar will look at these points, as well as the difficult issues around the role of ‘unsuitable investments’ in deciding if you really are independent or would restricted – or perhaps ‘specialist’? – be a better business model.

And no hidden agendas!
Jun 1 2012
46 mins
Independence v Restricted - Implementing the right model for us and our clients
  • Channel
  • Channel profile
  • Unleash your bonds Mar 11 2015 4:00 pm UTC 45 mins
    Join Prashant Chandran as he explores the key investment themes taking place in bond markets globally and how as an unconstrained bond manager a focus on portfolio construction and sophisticated risk management is crucial.
  • Strategic Bond: Maximising Opportunities Mar 11 2015 3:00 pm UTC 45 mins
    The Standard Life Investments' Strategic Bond Fund invests across the broad fixed income spectrum with the aim of delivering investors attractive risk-adjusted returns throughout the economic cycle. Our experienced team takes active allocation decisions, moving between different types of bond, to maximise the investment opportunity.

    Join us to hear members of the team discuss recent developments in global fixed income markets and how they have impacted the portfolio, as well as providing an update on our current outlook and some of the opportunities that we are currently exploiting within the fund.
  • Currency wars become a yield war! Mar 11 2015 2:00 pm UTC 45 mins
    The presentation will cover:
    - Europe: between very good news (QE) and bad news (Greece)
    - Europe: a weak euro + weak oil prices + very low interest rates + ECB QE = good surprise on growth before year end?
    - US: the Fed behaviour; Fed funds rate hike and USD strength
    - US: good macro-economic data vs deflation fears
    - US: international flows + BoJ QE and ECB QE + fight to quality = flattening of the US Treasury yield curve and 10- 30 yr rally despite macro and Fed
  • The rationale for fixed income now Mar 11 2015 1:00 pm UTC 45 mins
    PIMCO's outlook on interest rates over the cyclical horizon - The risk of higher rates and the impact on fixed income - The role of fixed income in asset allocation - Enhancing fixed income returns
  • Bond Investing: a flexible approach with an investment solution Mar 11 2015 12:00 pm UTC 45 mins
    Due to increasing interaction across the fixed income market sub universities Mirabaud's Global Strategic Bond Fund aims to provide a value driven best ideas portfolio using a concentrated and top down thematic approach.

    With a robust investment process and active allocation our experienced top quartile managers aim to achieve superior returns with strict attention to capital preservation. Whilst index aware we are not index led and actively manage duration and credit exposure across all business cycles.
  • Schroder Monthly High Income Fund Mar 11 2015 11:00 am UTC 60 mins
    The fund looks to exploit opportunities across the full spectrum of fixed income securities, aiming for an attractive level of income, paid out each month.
    Join Michael Scott, lead portfolio manager, to hear about the fund and where the team are seeing the best opportunities at the moment.
  • Uncontrolled and unaccountable regulation? The lessons to be learnt from RDR. Mar 6 2015 1:00 pm UTC 60 mins
    Through a combination of in-depth research, collation of existing data, reference to case studies and analysis of regulatory pronouncements, the FCA’s own report published in December 2014 could not find any consumer benefit in RDR but still it continues to roll towards the removal of trail commission in 2016.

    Amazing but is it true?

    Panacea Adviser has teamed up with ‘ThoughtLeadership Live’ and Garry Heath to produce a FREE ‘Bento for One’ webcast to support and educate advisers on the results of the latest Heath Report.

    The Heath Report and Panacea Adviser ran a survey at the end of 2014 and beginning of 2015, to understand many of the unintended consequences of RDR and to both inform regarding ongoing regulatory developments and identify what improvements can be made to regulator accountability.

    The adviser’s first job is to challenge the client to start protecting and investing. The price of RDR’s commission free world is the removal of that challenge from the common man and with it any independence from the state when in need.

    This is RDR’s true dichotomy.
    As the Hendrix song goes: "There must be some kind of way out of here, said the joker to the thief”.

    But where?

    This webcast looks at lessons to be learnt from RDR and will be presented by Derek Bradley, CEO, Panacea Adviser and Garry Heath of The Heath Report who will run through the survey findings looking at unintended consumer detriment, destruction of adviser business values, adviser losses, which firms are likely to be affected and see if there ACTUALLY is a way out of here?
  • Winning your clients trust and safeguarding their data Recorded: Feb 26 2015 29 mins
    Thoughtleadership Webcast for Financial Advisers and Paraplanners.

    We each represent 1 in 3 billion+ internet users, a population that represents around 40% of the world’s entire population.

    Online fraud continues to increase on ‘the same curve’ with no small part of this attributable to the interception of email and its sometimes sensitive content.

    Email volumes continue to grow exponentially with over 182 billion currently sent every day.

    Professional Services

    The UK government is getting serious about cyber-crime - Keeping the UK safe in cyberspace policy and looking to the professional services sector to lead on the subject.

    “Trusted professionals …… are on the front line of cyber-attacks – they are privy to sensitive information (e.g. client lists, personal information, sensitive commercial information about upcoming deals) which might be attractive to criminals/others. They are also well-placed to encourage their clients to take appropriate actions to protect themselves.”

    Failure to address this subject can carry significant consequences - the regulators, Law Society / FCA / ICO, take a dim view on those who choose to gamble with their clients most precious of assets, ‘their data / identity’.
    It’s estimated that more than 1 in 12 of us might be the subject of fraud whilst winning the lottery carries a probability of 1 in 14 million – or putting it another way
    . . . . you are probably a million times more likely to be defrauded than you are to win the lottery !

    The Webinar
    Panacea and Mailock explore what steps you can take to help address this growing issue, convey value on your clients by offering them a secure communication service - www.BESecureMail.com - that others might neglect to mention and build the all-important trust so fundamental to conducting your business.
  • Recharge: Investment Strategies for Your Most Valuable Resource Recorded: Feb 24 2015 48 mins
    Tune in to discover how your health impacts your business growth. Heidi Hanna, New York Times bestselling author of "The SHARP Solution: A Brain-Based Approach for Optimal Performance" and the follow-up release "Stressaholic: 5 Steps to Transform Your Relationship With Stress," teaches you how focusing on having enough energy vs having enough time is the key to success.
  • Branding Yourself As The Go-To Person In Your Field Recorded: Feb 17 2015 49 mins
    Join this dynamic duo on The Client Connection! Yuhannes Watts is interviewed by Meridith Elliott Powell on becoming the go-to person in your field. Creating business is about connections and in this can't-miss webinar, you will learn the tools you need to increase your sales pipeline, get a greater ROI and fuel your profits. Grow your business by strengthening your brand!
  • The 10 Myths of Fund Selection Recorded: Feb 11 2015 39 mins
    Lucy Walker, Fund Manager of the Sarasin Funds range, reviews 10 misconceptions of selecting funds in this CPD accredited webinar.
  • Today's Capital is Tomorrow's Income Recorded: Feb 11 2015 50 mins
    When looking for income solutions, investors should not forget the importance of making the right asset allocation decision. Stephen Andrews, fund manager of the M&G Episode Income Fund, will discuss the current market outlook and income opportunities.
  • Risk- Targeting now! - timing never better Recorded: Feb 11 2015 47 mins
    David will talk about Rathbones; conviction for his risk-targeted approach and the results that it has delivered. Furthermore, he will cover:

    - Low inflation and interest rates. Rising risk and falling returns and whether a cautious approach to investment can still work.
    - QE in Europe - is it too late?
    - The US; having both a premium price and a premium market
    - What really matters when managing risk - the shift of focus from volatility to drawdown
    - Multi-Asset ideally placed - opportunities for alpha at time of geopolitical risk
  • Oil be Damned: The impact of the collapse and how to position your portfolios Recorded: Feb 11 2015 47 mins
    James Carrick will highlight the macroeconomic impact and the winners/losers of a cheaper oil price. Justin will then discuss how these views can be reflected in a multi-asset portfolio to drive performance into 2015 and beyond.
  • An Overview of LinkedIn – What FS professional can't afford to ignore in 2015 Recorded: Feb 11 2015 40 mins
    Since it made a debut in 2003, LinkedIn has evolved and enhanced its offerings.
    Our mindset about how to use LinkedIn, however, has not evolved as quickly as the product.
    If you haven’t changed your approach to LinkedIn, you’re missing out on some of the biggest benefits.
    This free Webinar will enhance your understanding of this “professional network” and the fundamental benefits to you and your organization, including:
    1. Linkedin: Why it’s a critical tool for financial service marketers in 2015
    2. Company Brand: How your company profile can make or break you
    3. Content: How the most successful companies use content to create their own LinkedIn profile
  • The Appeal of Asian Equities compared to the overvalued UK Corporate Bond Market Recorded: Feb 11 2015 39 mins
    We are focused on two aspects in our fund positioning:
    - The enticing prospects for Asian Equities.
    - The bubble that is the UK corporate bond market.

    Asian Equities: We favour Asian equities, particularly the developed markets of Hong Kong and Singapore which have better standards of corporate governance but are still exposed to the fast-growth engine of developing Asia. Its economies are becoming more focused on domestic consumption and equity valuations are very attractive.

    UK Corporate Bonds: record low yields and compressed spreads put UK corporates in bubble territory. Expensive relative to other asset classes and against history. When the bubble bursts, it will be very costly.
  • Schroder Global Multi-Asset Income Fund Recorded: Feb 11 2015 33 mins
    Iain Cunningham, Multi-Asset Fund Manager, will introduce the new fund.

    The Schroder Global Multi-Asset Income Fund has been designed to help investors seeking income in the current low growth, low yield environment where traditional sources of income can no longer fulfil their requirements. It aims to provide an attractive, regular and sustainable income without a correspondingly heightened exposure to risk.
  • George Kinder: Attract Clients with Life Planning on the Web Recorded: Feb 9 2015 45 mins
    Can you do Life Planning on the web as well as an in-person interview? What are the essential elements of a web based Life Planning Service? What is essential for the intimate, personal process of Life Planning to be delivered and how could it be approached through a computerised process?
    Receive a free e-book for attending: "Life Planning for you", the companion book to the LifePlanningForYou.com website.

    Attendees will learn:
    -To what degree can you computerise the Life Planning process within your own firm and is it advisable?
    -What are the advantages of having it on the web?
    -How to attract clients with web based Financial Life Planning
    -How to ask effective, meaningful questions through technology interfaces
    -Interpret client responses and understand personal communications over the web
    -How to keep the flow of intensive two-way reciprocation using technology
  • Safeguarding Your Greatest Asset Recorded: Jan 28 2015 41 mins
    Effective Succession Planning for Family Businesses

    Creating a succession plan is a challenge for any business owner, but if the business is a family business, the issues involved can be significantly compounded by emotional considerations. Listen in while Denise P. Federer, Ph.D., consultant, business coach and behavioral psychologist, addresses some of the significant issues to consider regarding a succession plan, to ensure that owners safeguard the personal and financial future for their clients, employees and family members.
  • Managing the Ever Changing Dynamics in Emerging Markets Recorded: Jan 21 2015 34 mins
    Given the long term characteristics point toward continued growth for emerging markets, their validity as a part of a well-diversified asset allocation is sound. But, against a backdrop of constantly changing dynamics, how does one navigate the myriad of short term opportunities and risks without getting lost in the uncertainty along the way? Here we consider a distinct approach that is void of fundamental analysis and instead relies on a unique approach focusing on the more consistent, long standing characteristics of the asset class and pragmatic implementation. Spoiler alert- volatility is not always your enemy and humanity plays a key role.
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  • Title: Independence v Restricted - Implementing the right model for us and our clients
  • Live at: Jun 1 2012 10:00 am
  • Presented by: Phil Billingham, Chartered Financial Planner
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