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Make each moment count – how to help women and girls improve their financial wel

In preparation for Talk Money week 18-22 November, we’ve set ourselves a challenge, and we need your help!

If each of our >1,000 Insuring Women’s Futures ambassadors spoke to just 10 people about women’s financial lives, we could change 10,000 financial futures. And if we could encourage those 10,000 to speak to 10 more….

This Webinar will talk you through a simple toolkit and conversation guide so you can be part of this initiative and talk to your friends, families and even colleagues about the moments that matter in women’s lives.

Join us to find out how you can be a part of Talk 2 10K!

For resources please visit: https://www.insuringwomensfutures.co.uk/resources/
Recorded Sep 26 2019 36 mins
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Presented by
Jane Portas - Women’s Risks in Life lead, Insuring Women’s Futures Ian Simons – Marketing Director, Chartered Insurance Insti
Presentation preview: Make each moment count – how to help women and girls improve their financial wel

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  • How to create a Successful Merger Sep 23 2020 7:30 am UTC 75 mins
    Barry Horner, CEO, Paradigm Norton and Ruth Sturkey, Client Director, Paradigm Norton London
    Barry Horner, CEO, Paradigm Norton and Ruth Sturkey, Client Director, Paradigm Norton London and formerly of The Red House merged their firms in 2017. Here they look at what went well, what didn’t work so well, and the role culture plays in creating a successful outcome: getting ready to sell, looking to buy, agreeing the deal and what it’s like three years on.

    During this session you will:
    1. Discover how to identify a merger that works for your firm
    2. Learn how to communicate with your teams during the process
    3. Gain an understanding of how to manage client relationships.
    4. Become aware why culture really matters
  • You just see what tax band the slice is in, right...? Sep 18 2020 10:00 am UTC 90 mins
    Les Cameron, Head of Technical, Prudential
    Insurance bonds have, and continue, to play an essential part in financial planning. In recent years there have been several changes affecting the calculation of tax on any gains. We've seen changes ranging for the time apportionment changes back in 2013, the introduction of the personal savings allowance, and more recently, the "Silver case" resulting in the changes announced in the 2020 Spring Budget. Long gone are the days of checking how much of the slice was in the basic rate tax band to work out your top slicing relief.

    In this session we bring you bang up to date with how the taxation of insurance bond gains works with a focus on the calculation of top slicing relief, and show you how one of Prudential's flagship planning tools can help ease the pain of crunching those tax numbers.

    Learning outcome
    • Understand the taxation of insurance bonds for UK resident individual owners.
    • Understand how Prudential's tools and calculators can assist with tax calculations for bond gains.

    Speaker bio
    Les covers most areas of financial planning, specialising in pensions technical, the taxation of investment products and trusts. Les joined Prudential in 1997 and has held various technical and management roles throughout his career. Les is a Fellow of the Personal Finance Society and has a BA in Financial Studies.
  • You just see what tax band the slice is in, right...? Sep 9 2020 11:00 am UTC 90 mins
    Les Cameron, Head of Technical, Prudential
    Insurance bonds have, and continue, to play an essential part in financial planning. In recent years there have been several changes affecting the calculation of tax on any gains. We've seen changes ranging for the time apportionment changes back in 2013, the introduction of the personal savings allowance, and more recently, the "Silver case" resulting in the changes announced in the 2020 Spring Budget. Long gone are the days of checking how much of the slice was in the basic rate tax band to work out your top slicing relief.

    In this session we bring you bang up to date with how the taxation of insurance bond gains works with a focus on the calculation of top slicing relief, and show you how one of Prudential's flagship planning tools can help ease the pain of crunching those tax numbers.

    Learning outcome
    • Understand the taxation of insurance bonds for UK resident individual owners.
    • Understand how Prudential's tools and calculators can assist with tax calculations for bond gains.

    Speaker bio
    Les covers most areas of financial planning, specialising in pensions technical, the taxation of investment products and trusts. Les joined Prudential in 1997 and has held various technical and management roles throughout his career. Les is a Fellow of the Personal Finance Society and has a BA in Financial Studies.
  • How clients can invest for impact and financial return Sep 3 2020 12:15 pm UTC 90 mins
    Ben Constable-Maxwell, Head of Sustainable and Impact Investing, M&G Investments
    The world is facing a rising tide of societal challenges, from the potential chaos associated with the breakdown of our climate, to unsustainable levels of waste and pollution, to vast and growing social inequality. Governments around the world lack the resources needed to deal with these challenges on their own; for example, to achieve the United Nations Sustainable Development Goals (SDGs), it has been estimated that some US$6 trillion a year will need to be spent, but government alone cannot foot this bill, with an annual funding gap assessed to be in the region of some US$2.5 trillion. Because of this, investment capital is vital, and impact investors are playing an increasingly pivotal role in directing this capital where it is most needed. This session will provide delegates an insight into how investors can allocate capital to make a difference, as well as generate a financial return.

    Learning objectives
    • Describe the difference between ESG and Impact Investing
    • Dispel common myths associated with responsible investing
    • List the principles of Impact Investing and how they can applied to listed equities
    • Describe how to construct a diversified, multi-themed impact portfolio

    Speaker bio
    Ben Constable Maxwell is leading M&G’s strategy on impact investing as well as covering sustainability issues such as climate change and circular economy. He has been central to the development of ESG integration within M&G’s investment processes and has supported the development of ESG solutions for clients across asset classes. Ben plays an active industry role as a member of various sustainable and impact investment initiatives, interacting with companies, policymakers, NGOs and other investors. He is a Trustee at Firefly International youth organisation, which provides educational and mental health support for young people in conflict-affected areas in the Balkans and Middle East.
  • Future of Advice: Beneath & Beyond - Discussing key themes from AKG’s paper Aug 26 2020 12:00 pm UTC 90 mins
    Matt Ward, Communications Director, AKG
    Future of Advice: Beneath & Beyond - Discussing key themes from AKG’s sponsored paper and enabling webinar participants to give thought to short-, mid- and long-term challenges and opportunities in the advice sector.

    Intermediary distribution is the lifeblood of financial services companies assessed by AKG. A key part of AKG’s work therefore, in assessing the operational strength/sustainability of these companies, involves close monitoring of the temperature and due consideration of the likely future shape of the intermediary distribution market.

    AKG’s overarching objective was to produce a practical paper which looks at key factors, drivers for change, likely shape of the market and to establish the main challenges and opportunities for intermediary businesses, manufacturers and other relevant parties, primarily over the next two to three years. But also to flag longer-term considerations.

    AKG carried out three separate but complementary market research exercises, with both adviser and consumer audiences, to underpin the delivery of this paper and so associated research findings are referenced throughout.

    Finally, through the research and its findings, AKG also wanted to establish a platform for ongoing industry discussion and debate.

    Speaker bio
    Matt is Communications Director at AKG, joining the company in 2014, and has over 25 years’ industry experience, including previous roles at Defaqto and AXA Equity & Law. Matt leads on communications with companies across AKG’s financial strength assessment sectors (Provider; Offshore; Platform; DFM) and champions the role that consideration of company financial strength/sustainability plays in the research/due diligence exercises carried out by intermediary firms. He is also responsible for delivering AKG’s industry research papers, including output on pension freedoms, equity release, MiFID II and the future of advice.
  • How clients can invest for impact and financial return Aug 25 2020 11:00 am UTC 90 mins
    Ben Constable-Maxwell, Head of Sustainable and Impact Investing, M&G Investments
    The world is facing a rising tide of societal challenges, from the potential chaos associated with the breakdown of our climate, to unsustainable levels of waste and pollution, to vast and growing social inequality. Governments around the world lack the resources needed to deal with these challenges on their own; for example, to achieve the United Nations Sustainable Development Goals (SDGs), it has been estimated that some US$6 trillion a year will need to be spent, but government alone cannot foot this bill, with an annual funding gap assessed to be in the region of some US$2.5 trillion. Because of this, investment capital is vital, and impact investors are playing an increasingly pivotal role in directing this capital where it is most needed. This session will provide delegates an insight into how investors can allocate capital to make a difference, as well as generate a financial return.

    Learning objectives
    • Describe the difference between ESG and Impact Investing
    • Dispel common myths associated with responsible investing
    • List the principles of Impact Investing and how they can applied to listed equities
    • Describe how to construct a diversified, multi-themed impact portfolio

    Speaker bio
    Ben Constable Maxwell is leading M&G’s strategy on impact investing as well as covering sustainability issues such as climate change and circular economy. He has been central to the development of ESG integration within M&G’s investment processes and has supported the development of ESG solutions for clients across asset classes. Ben plays an active industry role as a member of various sustainable and impact investment initiatives, interacting with companies, policymakers, NGOs and other investors. He is a Trustee at Firefly International youth organisation, which provides educational and mental health support for young people in conflict-affected areas in the Balkans and Middle East.
  • Tax Planning Update Aug 21 2020 10:00 am UTC 90 mins
    John Woolley, Managing Director, Technical Connection
    1. TAXATION OF CHARGEABLE EVENT GAINS UNDER BONDS

    • Important Budget changes
    • How the reliefs, allowances and tax bands interact
    • Planning encashments for clients in the most tax efficient way
    • Tax planning using investment bonds – an overview of the opportunities


    2. TAXATION AND THE BUY-TO-LET MARKET; AN UPDATE

    • CGT and the new rules from 6 April 2020

    - Payment date
    - Lettings allowance
    - Deemed period of residence
    - EIS relief mismatch

    • The implications of Coronavirus

    - Government concessions
    - Planning to reduce tax – mortgage payment holidays, deferring tax and making pension contributions

    • SDLT holiday impetus

    - New properties
    - Transfers to companies

    3. IHT PLAN UPDATE

    - Loan Plans and Discounted Gift Trusts
    - Planning to avoid problems on the death of the settlor
    - Family Investment Companies – under threat?
  • Flexi-access drawdown – The good, the bad, and the ugly Aug 20 2020 11:00 am UTC 90 mins
    Craig Muir, Senior Pension Development & Technical Manager, Royal London
    We’re seeing more people using income drawdown than ever before with Flexi Access Drawdown (FAD) sales outpacing annuity sales by more than 2:1 since pension freedoms began, but FAD is not without its risks. The most significant of these is that people will run out of money during their lifetime through poor investment return, living longer than they anticipate or simply withdrawing at a rate which is unsustainable.

    We consider the Retirement Outcomes Review (ROR) from the FCA, and the changes to at retirement advice in the wake of the final report and subsequent policy statements. While recent output from the FCA regarding the ROR has focused heavily on non-advised drawdown, it gives the industry a line of sight to the regulators thinking. In the absence of significant post RDR guidance from the FCA on what good looks like in advised FAD, these publications provide an insight into the regulators main concerns in this market.

    The presentation investigates best practice in FAD file construction, as well as exploring the complex issues of sequencing risk and sustainable withdrawal rates. The presentation is bought to a close by considering how to review income drawdown plans in a compliant and cost effective manner, which we believe is vital for the ongoing success of any plan.

    Learning outcomes
    • Be able to identify the risk factors associated with income drawdown.
    • Understand the Regulator’s main concerns with income drawdown.
    • Understand how you can review your client’s drawdown plan in a compliant and cost effective
    way.

    Speaker bio:
    Craig Muir, Senior Pension Development & Technical Manager, Royal London
    Taking up a role as an Intermediary Development & Technical Manager at the start of 2011, Craig is a specialist in interpreting and explaining changes to the pension rules and regulation. Craig is involved in developing adviser facing content, presenting, writing articles and commenting for the press.
  • Lifetime Mortgages - Strategies for realising untapped wealth Aug 19 2020 12:00 pm UTC 90 mins
    Malcolm Tyrrell, Retirement and Later Life Specialist, Just
    With a growing demand for equity release, lifetime mortgages remain a useful tool in your kit when finding practical solutions for clients over the age of 55. It is no longer a ‘last resort’ solution, but part of a client’s assets that should be included within a holistic approach. There are a number of myths around lifetime mortgages that consumers need to be educated about and, as with many financial decisions, this area requires careful consideration. Clients should be handled with sensitivity and any vulnerabilities should be identified and taken into account in line with the FCA’s guidance in this area.

    The Regulator has recently reviewed Equity Release advice and issued some clear guidelines. For most advisors in this market these guidelines can be ‘ticked off’ but this will be a useful opportunity to ensure your firm is fully aware of your obligations when recommending equity release products.

    If approached in the right way, Lifetime Mortgages can be a particularly rewarding area in which to advise HNW clients. There are many tax planning opportunities and possibilities for professional, qualified financial intermediaries in the equity release space. In this session, Just will cover:

    • The drivers for growth in the ER market
    • The alternative options and FCA advice guidelines
    • Why Equity Release is suitable for HNW clients
    • Changing attitudes
    • Responsible lending initiatives
    • The impact of underwriting

    Speaker bio:
    Malcolm Tyrrell is a Retirement and Later Life Specialist at Just. Malcolm shares his knowledge of the retirement and later life markets with intermediaries through the delivery of high quality presentations and workshops.
    He has over 39 years’ experience in financial services, both with a number of major providers and in his own IFA practice. Since 1990 Malcolm has specialised in training and business development.
  • The Art of Practice Management Aug 19 2020 10:00 am UTC 75 mins
    Dr Dominika Sieradzka, RIE Solutions
    Every Financial Planning firm needs a Practice Manager. Running a firm means having to manage operations, HR, IT, compliance, client services, marketing, finance and emotions to name but a few. To do this successfully is a real art. As issues are resolved, solutions implemented, and changes embraced, emotions and expectations navigate through tremendous highs and lows.

    Dr Dominika Sieradzka, Founder of RIE Solutions emphasises the central role practice management can play in achieving great business outcomes. Dominika describes a journey, which she calls the RIE (Resolve, Implement, Enjoy) Trajectory that all firms go through as they implement changes.

    Learning objectives

    During this webinar you will:
    •Learn how to uncover the real causes of your business issues and challenges
    •Understand the highs and lows you may go through as you implement changes
    •Understand how to implement solutions to ensure great outcomes
    •Understand the psychology that lies behind exemplary practice management.
  • Investing to make a difference Aug 18 2020 1:00 pm UTC 75 mins
    Ed Heaven – Deputy Chairman Sustainability Committee / Impact Investing
    Ed Heaven of Montanaro will explain how they use the UN Sustainable Development Goals framework to identify and invest in Small & MidCap companies that are helping to solve some of the world’s greatest problems. They will explain some of the unique characteristics of Small & MidCap equities, the benefits the asset class can bring to an investment portfolio, while also commenting on the challenges of impact reporting to clients.
  • “I don’t give DB Advice – How do recent changes affect me?” Aug 18 2020 11:00 am UTC 90 mins
    Dr Matthew Connell & David Flory, Personal Finance Society
    Synopsis
    This 45 minute presentation will focus on how recent changes to regulation of Defined Benefit Advice (PS20/6) will impact advisers who don’t advise in this area and their clients.
    • How will the new regulations affect my introductions to a Pension Transfer Specialist?
    • Do the new regulations impact any other advice areas?
    • Do they give us any insight to FCA concerns and thinking?
    After a very brief overview of the changes coming the session will look at the impact for those who are not active in advising on Defined Benefit assets and their clients and will focus on practical aspects.
    The presentation will be followed by a short live Q and A session.

    LEARNING OBJECTIVES
    This webinar will give attendees the following benefits.
    • A brief overview of the changes coming to the Defined Benefit Advice market, as a result of PS20/6.
    • There will be a particular focus on how these changes will affect advisers who introduce clients to Pension Transfer Specialists and do not themselves advise in this area.
    • We will look at how these new regulations might impact the wider advice market.
    • We will also explore what PS 20/6 tells us about FCA thinking and concerns.
    This will qualify as 1 hour of structured CPD.
  • Over the Hedge (or off the ledge)…..? Aug 17 2020 10:00 am UTC 90 mins
    Kirsty Anderson, Pension Business Development Manager, Prudential
    The session very much focuses on the current climate we find ourselves in. With more clients than ever utilising the flexibilities afforded us via income drawdown, it’s likely some have found themselves in a situation where they’ve seen drops in the value of their pension fund, or indeed the current level of income withdrawal is no longer sustainable due to this capital depletion.

    This session will focus on the current climate and consider pension drawdown, given the recent market shocks and how we can help you and your clients the understand options available.

    We’ll also share the most recent guidance from the regulator and look at how this could be utilised when specifically reviewing your processes for clients approaching retirement.

    Following the session you will be able to demonstrate an understanding of:

    • Reviewing the client review
    • Regulatory requirements
    • Possible income strategies
  • “I don’t give DB Advice – How do recent changes affect me?” Aug 14 2020 10:00 am UTC 90 mins
    Dr Matthew Connell & David Flory, Personal Finance Society
    Synopsis
    This 45 minute presentation will focus on how recent changes to regulation of Defined Benefit Advice (PS20/6) will impact advisers who don’t advise in this area and their clients.
    • How will the new regulations affect my introductions to a Pension Transfer Specialist?
    • Do the new regulations impact any other advice areas?
    • Do they give us any insight to FCA concerns and thinking?
    After a very brief overview of the changes coming the session will look at the impact for those who are not active in advising on Defined Benefit assets and their clients and will focus on practical aspects.
    The presentation will be followed by a short live Q and A session.

    LEARNING OBJECTIVES
    This webinar will give attendees the following benefits.
    • A brief overview of the changes coming to the Defined Benefit Advice market, as a result of PS20/6.
    • There will be a particular focus on how these changes will affect advisers who introduce clients to Pension Transfer Specialists and do not themselves advise in this area.
    • We will look at how these new regulations might impact the wider advice market.
    • We will also explore what PS 20/6 tells us about FCA thinking and concerns.
    This will qualify as 1 hour of structured CPD.
  • Over the Hedge (or off the ledge)…..? Live 90 mins
    Kirsty Anderson, Pension Business Development Manager, Prudential
    The session very much focuses on the current climate we find ourselves in. With more clients than ever utilising the flexibilities afforded us via income drawdown, it’s likely some have found themselves in a situation where they’ve seen drops in the value of their pension fund, or indeed the current level of income withdrawal is no longer sustainable due to this capital depletion.

    This session will focus on the current climate and consider pension drawdown, given the recent market shocks and how we can help you and your clients the understand options available.

    We’ll also share the most recent guidance from the regulator and look at how this could be utilised when specifically reviewing your processes for clients approaching retirement.

    Following the session you will be able to demonstrate an understanding of:

    • Reviewing the client review
    • Regulatory requirements
    • Possible income strategies
  • Connect: How to make the best use of your mentoring platform Recorded: Aug 12 2020 30 mins
    Chris Murray, PLD Works, & Sabrina Toofany, Chartered Insurance Institute/Personal Finance Society
    A quick guide on how to make the most of Connect, the benefits of mentoring and how existing users have already benefited. We will end with a Q&A session, taking queries directly from you, our members.
  • How to make cashflow modelling assumptions you can rely on Recorded: Aug 12 2020 72 mins
    Steve Martin, Director, Financial Planning Training Academy
    Steve Martin, Director, Financial Planning Training Academy will review cashflow modelling assumptions in the context of the financial planning process. This session will look at what makes assumptions reasoned and reasonable, the importance of understanding the links between assumptions and outputs, and why the modelling process depends on understanding your clients lifestyle goals and needs
    .
    During this session you will:

    1. Learn why assumptions must be reasoned and reasonable
    2. Discover why small variations in your inputs can create massive changes in outputs
    3. Explore why lifestyle assumptions are as important as economic assumptions
    4. Be able to evaluate why inflation is more than just price inflation
  • Investing to make a difference Recorded: Aug 11 2020 6 mins
    Ed Heaven – Deputy Chairman Sustainability Committee / Impact Investing
    Ed Heaven of Montanaro will explain how they use the UN Sustainable Development Goals framework to identify and invest in Small & MidCap companies that are helping to solve some of the world’s greatest problems. They will explain some of the unique characteristics of Small & MidCap equities, the benefits the asset class can bring to an investment portfolio, while also commenting on the challenges of impact reporting to clients.
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The professional body for the global financial planning profession, the Chartered Insurance Institute Group (CII Group) promotes higher standards of integrity, technical competence and business capability.

With 128,000 members in 150 countries, the CII Group is dedicated to insurance and financial planning. Our membership covers all disciplines within the insurance industry (claims, broking, underwriting and sales), those working in the life and pensions sector and the mortgage advice market as well as independent financial advisers.

The CII is accredited by UK examinations regulator, Ofqual, and our qualifications are also recognised within the English national qualification frameworks. Success in CII qualifications is universally recognised as evidence of knowledge and understanding. Membership of the CII signals a desire to develop broad professional capability and to subscribe to the standards associated with professional status.

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  • Title: Make each moment count – how to help women and girls improve their financial wel
  • Live at: Sep 26 2019 12:00 pm
  • Presented by: Jane Portas - Women’s Risks in Life lead, Insuring Women’s Futures Ian Simons – Marketing Director, Chartered Insurance Insti
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