Name: Building resilience and thriving in an uncertain world
Start: 2020-06-25T10:00:00Z
End: 2020-06-25T10:43:37.000Z
Location: BrightTALK

Our content provides in-depth, up to date insights for financial advisers interested in this market.

Our mission is to help as many people as possible achieve financial security in later life and enjoy the colourful retirement they want and deserve. There are nearly 12 million people in the UK aged 65 or over and this segment is growing. We believe that working together with advisers, there is an opportunity to transform and improve the retirement and lending marketplace.

This channel supports financial advisers and wealth managers in the UK’s retirement sector. This is not a consumer advertisement and should not be relied upon by private customers or any other persons.

With 1 in 4 divorcees over 50, more people are looking to start a fresh in a new home later in life. With substantial deposits, but difficulty meeting the income criteria – some may find themselves stuck. That’s why changes to the way affordability is assessed for our Retirement Interest Only (RIO) mortgage could help. We’re now taking a more tailored approach to underwriting to help increase your client’s borrowing capacity. Some clients aged over 55 could now qualify to borrow up to 8.5x their income.    

Join Marie Catch in this webinar where we’ll show you:
- An overview of RIO and how the product works 
- Client spotting. How to identify clients who would be suitable for a RIO, including divorcees
- Easy steps to get the best from an affordability assessment and help us to consider income beyond retirement

Got a question or a tricky case? Our Underwriting team will take part in the Q&A following the webinar so it’s a great opportunity to talk to our experts.

Please remember, a RIO is a loan secured against your client's home. And as a last resort, their home may be repossessed if they don't keep up with the monthly payments.

This is not a consumer advertisement. It is intended for professional advisers and should not be relied upon by private customers or any other persons.

Divorce and the affordability gap

Setul Mehta, Head of Business Development & Adviser Services at The Openwork Partnership and Tim Farmer, Founder of Comentis join our final panel debate to challenge some of perceived barriers to entering the later life lending and protection markets. 

Join us to hear their expert insights into future developments across our industry and identify new business opportunities in these areas of advice. The panel will also be taking part in a live Q&A, to answer some of the questions raised by advisers in our previous focus fortnight sessions.

Learning objectives:
1. Understand the opportunity for advisers to help their clients in both the protection and later life lending markets.
2. Identify and challenge the barriers advisers may face when entering these new advice areas.

Overcoming barriers to entering new advice areas – panel debate

With the average age for receiving an inheritance now at 61, many of your clients may feel they want to help their families sooner. This could be to fund house deposits, school fees or even pay down mortgages at an earlier and more useful life stage. Join this session to learn how your clients could use a lifetime mortgage as part of an estate planning strategy, or to provide an early ‘living inheritance’ to their loved ones.  

Learning objectives:

1. Understand the different scenarios  where a lifetime mortgage could be used for gifting
2. Identify how, in the right circumstances, lifetime mortgages could be used as part of a client’s estate planning strategy. 
3. Understand how later life lending could help support the next generation, and provides succession planning opportunities for your business

Considering lifetime mortgages in estate and retirement planning

More and more people are getting divorced in later life. Dividing assets like the family home can hit their finances hard, increasing their financial vulnerability and risk exposure. Join this webinar to gain an expert perspective on those later life divorce challenges. We’ll give you fresh insights and tools to help your clients through this very difficult time in their lives.

Learning objectives:

1. Understand the growing need to support couples considering a divorce in later life
2. Identify how you can best support your clients who find themselves in vulnerable circumstances
3. Learn how to build a professional referral network to further support your clients and generate leads

Later life divorce, vulnerability & the impact on financial planning

Join our industry experts discuss the wealth of opportunities available for your advice business in the protection later life lending markets. Hear their views on why discussing protection with your clients can underpin the success of their future financial planning. We’ll also cover why a growing number of clients are looking to release some of the equity in their homes to help them live a more colourful retirement.  

Learning Objectives:

1. Identify the needs and opportunities to discuss how your clients will achieve and safeguard their future financial plans

2. Understand how Legal & General can help and support you in the protection and later life lending markets.

New opportunities around protection and later life lending – panel debate

The last few years have been a retirement planning rollercoaster. In a period marked by economic uncertainty, tax changes, accelerated house price inflation and low interest-rates – what role does property play?

Join us for this one-hour webinar as our panel of experts discuss how property wealth could be used as a financial planning tool in retirement.

Speakers include:
• Simoney Kyriakou - Senior Editor, FTAdviser
• Tony Wickenden - Founder and Managing Director, Technical Connection
• David Bowden – Director, Oculus Wealth
• Rob Miles – Head of Intermediary Sales, Legal & General Home Finance
• Charlotte May – Group Head of Customer Research, Legal & General

This is not a consumer advertisement. It is intended for professional financial advisers and should not be relied upon by private customers or any other persons.

Thinking differently about property wealth (Hosted by FT Adviser)

The divorce rate in later life is on the rise, in contrast to the decline among younger age groups. One in four divorces occurs after the age of 50, and this can have a significant financial impact on retirement. Research suggests that this trend is set to continue, with COVID-19 lockdowns fuelling an increase in divorce enquiries in the UK. 

Divorce presents huge emotional, legal and financial challenges for clients. Yet, new research from Legal & General Retail Retirement reveals that, when going through a divorce, people aged over 50 are more than four-times as likely to take advice from their friends as they are from a financial adviser. Just 3% seek financial advice at this critical time. 

Join Cecilia Furner, Strategic Account Director for Legal & General Retail Retirement, as she talks to Debora Price, Professor of Social Gerontology, University of Manchester, a member of the Pension Advisory Group and one of the lead authors of the report ‘A Guide to the Treatment of Pensions on Divorce: the Report of the Pension Advisory Group’ (July 2019), and Amyr Rocha-Lima, Partner, Holland Hahn & Wills LLP, chairman-elect of the CISI Financial Planning Forum, and a certified & chartered financial planner who specialises in helping successful professionals reduce taxes, invest smarter and retire on their terms.

We will be joined by Rob Miles, Head of Adviser Sales, Legal & General  Home Finance and Meg Dickens, Marketing Director, Legal & General Retail Retirement who will be sharing the latest consumer insights from our research on the trends, attitudes and behaviours of divorcing couples aged over 50 and what this might mean for your business and your clients. In addition, we will look at how financial advisers can build professional connections with solicitors to support clients during this critical time, as well as maintaining control of their client relationships.

For advisers only.

Later life divorce and the impact on financial planning

As we near the end of what has been a year like no other, our expert panel discuss what the impact has been on the later life lending mortgage market and what they expect to see in 2021 – and beyond the pandemic.

Dave Stratton, Distribution Director for Legal & General Home Finance, is joined by Marie Catch, Head of Mortgage Sales for Legal & General, Paul Hopton, Key Relationship Manager for Legal & General Mortgage Club and Dan Maskell, Director of The Finance Planning Group.

For advisers only.

The mortgage market in 2020: through COVID-19 and beyond

Amy Mulvey, Head of Lifetime Products at Legal & General Home Finance explains Legal & General's new Energy Saver Cashback offer and how it can help your clients make energy efficient home improvements using a lifetime mortgage.

Legal & General’s offer is not associated with the Government’s Green Homes Grant scheme. Both offers have different qualifying criteria and will be suitable for different customers.  Both can be considered when advising your client.

For advisers only.

Legal & General's Energy Saver Cashback offer: explained

With the mortgage market beginning to open back up, things are starting to look up for brokers across the UK. However, the last 12 weeks have been a stark reminder of the importance of business resilience. While you may just be getting back to your core business, now may be the time to consider additional revenue streams for your business. 

Join us for a 45-minute live stream with Marie Catch, Head of Mortgage Sales at Legal & General Home Finance, to discuss how this new and evolving environment is highlighting client needs and potentially creating new opportunities in the later life lending space for mortgage brokers. 

The session will be hosted by Dave Stratton, Distribution Director, Legal & General Home Finance. Marie will be joined by Paul Hopton, Legal & General Mortgage Club and guests. Our panel will be sharing insights on current market trends, real-life examples, discussing the opportunities later life lending advice could provide to your business and what you’ll need to consider when getting started. We’ll also give attendees free access to our new CPD equity release online study portal (RRP: £200). 

For advisers only.

The role of later life lending for mortgage brokers in the current environment

Digital connections and interactions are more important than ever – and it looks like it’s one of the trends that’s set to continue. Join us for a 45 minute live stream with Sarah Cook, Group Head of Social Media & Content Strategy, Legal & General, as we discuss the business benefits of using digital insights to inform your business and how you can leverage social media to create new and nurture existing relationships. 

We’ll also be joined by members of the Legal & General Retail Retirement team, including Cecilia Furner, Strategic Account Director, Millie Hyde-Smith, Head of PR & Thought Leadership and Sean Philip, Head of Digital Marketing. They will be sharing their experiences and insights on some of the emerging social and digital trends. We'll be shedding light on what consumers are searching for and talking about and showing you simple ways to use digital to provide you with the insights you may be missing in this new virtual world. We’ll also be providing you with practical tips around using LinkedIn to promote your business, develop professional connections and client relationships.

Making the most of social media and digital insights for your business

It’s undeniable that this global pandemic has had a huge impact on our daily lives. You would need more than a crystal ball to foresee what the longer-term impact might be. However, we are already starting to see shifts in the over 50’s sentiment, attitudes and behaviours in response – from feelings of ageism to a greater concern about their family rather than themselves. What shifts are we seeing and what does this actually mean for financial advice?

Join Chris Knight, CEO of Legal & General Retail Retirement, as he talks to Millie Hyde-Smith, Head of PR & Thought Leadership LGRR, and Tony Mattson, Head of Strategy at Havas Media Group. We’ll be discussing the latest consumer insights from the UK’s over 50 population – how COVID-19 is changing their sentiment, attitudes and behaviours and what this might mean for your business and your clients.

COVID-19: Changing sentiment, attitudes and behaviours of the over 50s

Changes over the last few weeks have required us to significantly change the way we work and find new ways to run our businesses. We’ll be in conversation with Sally Clayton, Chief Risk Officer Legal & General Home Finance, and guests.

Running an advice business remotely isn’t as simple as getting people set up to work from home. We’ll be discussing FCA expectations, client interactions and the importance of continuing supervision and oversight. We’ll be talking about how we can modify our businesses to work in this new environment without losing the important processes and controls we have in place to protect our clients, staff and businesses. Alongside Sally Clayton, we are delighted to be able to welcome Aaron Conlon from Fluent Lifetime and Lisa Francis from Legal & General Financial Advice to talk about their own experiences of a remote advice model.

Considerations of running an advice business remotely

COVID-19: Accessing Government financial support (In conversation with Tony Wickenden, Managing Director, Technical Connection)

The Government recently set out a package of temporary and targeted measures to support public services, people and businesses through this period of disruption caused by COVID-19. Join us for a 45 minute live stream with Tony Wickenden, Managing Director of Technical Connection, as we discuss what’s available for both you and your clients and take your questions. In particular, we will be focusing on the Job Retention Scheme and Self-Employment Income Support Scheme.

COVID-19: Accessing Government financial support

This is not a consumer advertisement. It is intended for professional financial advisers and should not be relied upon by private customers or any other persons.

The world of retirement has radically changed – a carriage clock retirement no longer exists and a one product approach is no longer relevant. Retirement is far from the ‘colourless’ label that we appear to have given it. 

As client expectations, aspirations and needs continually evolve, the retirement plans and solutions we build need to provide greater flexibility and security. 

In this presentation Cecilia Furner, Strategic Account Director at Legal & General, will assess how retirement has changed, what this means for retirement planning and how a multitude of solutions can be layered together to help achieve your clients’ objectives. 

By the end of the webinar:
- You will have a greater understanding of how evolving macro and socio-economic factors are impacting and radically changing retirement norms
- You will have a greater understanding of how these changes call for more tailored and flexible retirement plans 
- You will be able to better evidence how a range of solutions can be layered to provide clients with security, flexibility and control
- You will be able to identify the changing role of advice in modern day retirement planning and the shifting focus towards ‘life planning’

The changing role of advice in modern day retirement planning

Get useful tips for creating a strong LinkedIn profile to help build your business.

Hosted by Sarah Cook, Group Social Media Manager at Legal & General, our webinar can help you:

-- Understand the benefits of LinkedIn to your business
-- Produce a strong personal profile to help you stand out from the crowd
-- Increase your connections by making it easier for your clients to find you
-- Promote yourself and your business to boost engagement
-- Take your profile further – how to keep up-to-date and continually increase your networking opportunities

LinkedIn: an introduction

Our CPD accredited LinkedIn webinar, will provide useful tips for creating a strong LinkedIn profile to help promote your business.

Hosted by Sarah Cook, Group Social Media Manager at Legal & General, our webinar can help you:
•Understand the benefits of LinkedIn to your business
•Produce a strong personal profile to help you stand out from the crowd
•Increase your connections by making it easier for your clients to find you
•Promote yourself and your business to boost engagement
•Take your profile further – how to keep up-to-date and continually increase your networking opportunities

Building a culture of resilience and thriving in uncertain times is more important than ever - for yourself, your business and your clients. The last few months have brought significant change and additional stresses into our lives. We don’t know what the lasting impacts of this pandemic will be but we do know that change will continue to be constant in the world. Therefore systemically building resilience within your business and setting yourself up to thrive no matter the environment, is likely a good investment of your time and efforts.
Join us for 45 minutes as we bring together Legal & General experts to talk about the some of the biggest challenges facing businesses in this area, to share practical resources that can be used by your business and clients and to show the value of investment in this area.

Building resilience and thriving in an uncertain world

Resiliency

resilience

Business Resiliency

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Building resilience and thriving in an uncertain world

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