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The 2020 Budget: What it means to financial advisers and their clients

This session will provide an overview of the main proposals in the Chancellor’s 2020 Budget that impact on clients of financial advisers. It will highlight any financial planning opportunities that arise.
Recorded Mar 16 2020 65 mins
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Presented by
John Woolley, Technical Connections
Presentation preview: The 2020 Budget: What it means to financial advisers and their clients

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  • Norfolk Committee Webinar: Investment bond taxation – top-slicing relief Jun 5 2020 12:00 pm UTC 75 mins
    Barry Foster, Strategic & Technical Sales, BMO Global Asset Management
    This presentation will explain the top-slicing relief calculation using a step-by-step process.

    It will consider the “Marina Silver v HMRC” case and the 11th March 2020 Budget changes to the top-slicing relief legislation.

    Learning Objectives:

    • Understand the process of performing a top-slicing relief calculation
    • Consider the significance of the Silver v HMRC case and the 11 March 2020 Budget changes to
    the top-slicing relief legislation
    • Understand how the Silver case & the Budget changes affect top-slicing relief calculations (using
    • Apply this knowledge to appropriate, individual, client scenarios.

    Speaker bio:
    Barry Foster, BMO Global Asset Mgt, Strategic & Technical Sales. Barry has achieved Chartered Financial Planner status and Fellow of the Personal Finance Society, as well as holding the Investment Management Certificate (IMC) and the STEP Certificate in Financial Services and the STEP Diploma.

    Barry’s career in financial services began in 1997, he has held roles as a financial adviser and for the last 11 years Barry has been a Technical Sales Manager. Originally with AXA Wealth (latterly Utmost Wealth Solutions) before joining BMO GAM in 2019.

    He delivers workshops, seminars and technical assistance to financial advisers covering tax, trusts and pensions.

    Barry has achieved Chartered Financial Planner status and Fellow of the Personal Finance Society, as well as holding the Investment Management Certificate (IMC) and the STEP Certificate in Financial Services and the STEP Diploma.
  • The £5.5 trillion intergenerational wealth transfer – is your business ready? Jun 4 2020 9:30 am UTC 60 mins
    Dan Giddings, Head of Business Development, Wealthify
    Over the next 30 years, it is estimated £5.5 trillion is due to be passed between generations in the UK. Is your business ready? Do you have a successful engagement model with the next generation, with the children of your clients? Sadly, some 66% of people inheriting wealth dismiss their adviser, so action needs to be taken.

    This session will explore the different generations, share learnings on millennials in particular by looking at their familiarity with both disruption and technology. And yet, these are the people that hitherto have been ignored by most financial planners. Of course, those small clients of today can be hot prospects in the future.

    But servicing those small clients today is a challenge when it comes to commercial viability. Thanks to PROD and MIFID2, advisers are operating in an arguably more onerous regime. Tasks like basic client onboarding and then ongoing suitability can be very labour intensive. We will look at the barriers to entry in providing financial advice or guidance through online or other technological means. Equally though, we will look at how technology can act as a time-saver, making the adviser more efficient and how digital can play an important role in the success of their business.

    Learning Outcomes:

    • Articulate the key opportunities of the future stemming from the intergenerational wealth transfer
    • Outline both the commercial and regulatory challenges of servicing early wealth clients
    • Understand both the pros and cons of using technology

  • Norfolk PFS Committee Webinar: Covid-19 crisis and the shape of recovery Jun 2 2020 10:00 am UTC 75 mins
    Guy Foster, Head of Research, Brewin Dolphin Ltd
    Join Brewin Dolphin’s Guy Foster, Head of Research and Aiden Watts, Divisional Director for this intriguing overview of the markets since the beginning of the covid-19 crisis.

    Guy and Aiden will be looking ahead to the shape of the recovery and how things may change for investors over the long term.

    From that background, they will also discuss portfolio construction during the crisis and how client portfolios might be positioned.

    Learning Objectives:
    • To understand the impact of the coronavirus on investment markets since the beginning of the
    • Gain an insight on the potential shape of the recovery and how things may change for investors
    over the long term
    • To see how portfolio construction may be impacted by the changes brought on by the virus.

    Speaker bio's:
    Guy Foster leads Brewin Dolphin’s Research Team, provides recommendations on tactical investment strategy to Brewin Dolphin Investment managers and strategic recommendations to the group's Asset Allocation Committee.

    Aiden Watts is Divisional Director for Brewin Dolphin in their Norwich and Ipswich offices. With nearly 15 years’ experience in financial services, he is a Chartered Wealth Manager. He works closely with IFAs in the region to help look after portfolios or individuals, trusts and charities.
  • Working Remotely: Hints, Tips and Practical Support Recorded: May 15 2020 28 mins
    Shelley Read, Senior Protection Development and Technical Manager, Royal London
    Shelley Read gives an insight into best practice when working remotely, with hints, tips and practical advice to help make things easier for you and your clients at this challenging time.

    This webinar will provide you with useful strategies to help you identify clients who will need your advice the most during this time, and give you tips on the best ways to communicate with them.

    You’ll also get guidance on adapting your meeting processes and getting to grips with video calls, as well as different techniques to support remote conversations with your clients.
  • Government financial support measures & the implications for your business Recorded: May 14 2020 60 mins
    Chris Riley, Russell Facer, Jon Dear and Matthew Connell
    The session was recorded on 29/04/20. Rules and details are changing frequently so make sure you rely on the most up to date information
  • How to embrace ESG Intergration Into Your Investment Proposition Recorded: May 14 2020 33 mins
    Jamie Farquhar, Square Mile
    •Understanding the proposed regulatory approach
    •Understanding the terminology and jargon
    •The ability to select funds to meet clients’ needs
    •The ability to construct portfolio solutions
    •The ability to clearly articulate your corporate approach
  • How to articulate the value of advice Recorded: May 14 2020 35 mins
    Bernie De Souza
    What can you do to get clients?

    What can you do keep clients?
  • ESG Fundamentals and the Meaning of Stewardship Recorded: May 14 2020 44 mins
    Henry Boucher, Investment Strategy, Sarasin & Partners
    Learning objectives:

    •A broad understanding of what E, S and G are, and why they are
    so important to investors
    •Some principles and jargon busting
    •How to navigate the choices of funds to understand if they will
    meet your clients’ needs
  • Managing Public Expectation in the Covid Crisis Recorded: Apr 29 2020 40 mins
    Roger Flaxman and Michael Wilson, Flaxman Partners
    The Covid-19 crisis has hit the insurance industry hard and many claims in relation to travel and events will already be on their way to being settled. But UK business was led to believe that business interruption (BI) claims would automatically be covered just because the government announced that Covid-19 would become a declarable disease. This has not worked out as well as most policyholders had hoped.

    This webinar investigates why Covid-19 and BI has become such a controversial area and considers some ways to tackle the problem.

    Areas covered include:

    Principles of BI cover
    The ABI (Industry) position: What it is and what it implies for practitioners
    The FCA – including the “Dear CEO” letter
    Press reports
    The impact on the public perception and how to deal with it
    The technical arguments
    Group actions
    Pros and Cons of litigation
    FOS: Pros and Cons of using it
    Flaxmans’ campaign to the industry and government
  • Climate change and the insurance sector Recorded: Apr 27 2020 36 mins
    Bronwyn Claire, Cambridge Institute for Sustainability Leadership
    35 minute webinar:

    ClimateWise is a voluntary global network of (re)insurers, brokers and other insurance industry service providers, committed to leading the industry in addressing the risks and opportunities presented by climate change. This presentation will cover latest climate research and projections, climate impacts and likely future scenarios and the implications of these to the insurance industry. It will also explore the broad risk channels climate change presents, why understanding the financial impacts of climate change to the industry is important and how this relates to voluntary disclosure frameworks and regulatory momentum in this space. The presentation will also cover what ClimateWise members are doing to tackle the issues climate change presents to the industry.

    Learning objectives:
    •Develop a broad awareness of current climate change impacts and future trends and importance of incorporating this into planning and strategies.
    •Develop an awareness of global frameworks to build resilience to tackle future shocks driven by climate change
    •Understand the main climate risk channels for the insurance sector
    •Understand existing voluntary reporting frameworks and global regulatory developments for the sector relating to climate risk and opportunity
    •Develop an awareness of ClimateWise; its purpose and research
    •Understand where further training and capacity building opportunities exist within the sustainable finance sphere
  • Professional Standards, Ethics and Insurance Innovation Recorded: Apr 22 2020 30 mins
    Melissa Collett, Chartered Insurance Institute
    35 minute webinar:

    This interactive session is designed to give an overview of the CII’s approach to professional standards and ethics. It will examine the subject of trust and what professionals must do to increase it. It will also explore the ethical impact of technological innovation and digitalisation. By the end of the session participants will have gained an understanding of the following learning points:

    •Why are professional ethics important?
    •What does the CII’s Code of Ethics say?
    •How your professional body can help?
    •Ethics of the future
  • Make your communication stick Recorded: Apr 17 2020 39 mins
    Melissa Kidd, Motem Ltd
    35 minute webinar:

    How effective is the communication you experience every day? How often have you been bored during a presentation or meeting? Had a tedious networking conversation or failed to win a piece of business that you know you should have won? Far too many?!
    Experts can struggle to communicate in ways that are interesting and memorable because once we know something it is hard to imagine what it was like not to know it. This can result in irrelevant boring messages that are often ignored or forgotten. The session will lift the lid on how our mind absorbs information so that you can craft and deliver messages that stick.

    Learning Objectives:
    •Use effective communication techniques so that your audience will act rather than switch off and glaze over
    •Recognise the six principles to help your communication stick
    •Apply the 3 components of charisma so that you increase your personal impact.
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    Martyn Mathews, LexisNexis Risk Solutions
    35 minute webinar:

    Over the last few years the highest risk component of a policy has moved from the policy holder, to the named driver or named drivers included on cover. This presentation aims to identify how insurance providers can build a full view of the policy risk, including not just the policy holder but the named driver or drivers, and therefore price according to the actual risk of the full policy.

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    •Gain a deeper understanding of how to gain visibility of a Named Drivers risk through point of quote risk assessment.
    •Learn how data can deliver a more in-depth view of Named Driver risk and assess insights that have already been captured.
  • Coronavirus - Business Interruption Issues Recorded: Apr 3 2020 44 mins
    Damian Glynn, Director, Head of Financial Risks, Sedgwick International UK
    45 minute webinar:

    Every day we watch the number of positive cases of Coronavirus rise in the UK with other areas of the world struggling to control the epidemic. The UK is now in a state of lockdown and businesses across the country are struggling.

    What are the issues likely to impact on claims submitted in respect of Coronavirus??

    What will it mean for ongoing business interruption claims that pre-date the pandemic?

    Damian Glynn, an industry recognised expert in the field of business interruption highlights issues that may need to be considered.

    Topics covered:

    Damage at the premises
    Notifiable Disease at the premises (or within the policy prescribed radius)
    Act of competent authority
    Suppliers’/customers’ extensions
  • The 2020 Budget: What it means to financial advisers and their clients Recorded: Mar 16 2020 65 mins
    John Woolley, Technical Connections
    This session will provide an overview of the main proposals in the Chancellor’s 2020 Budget that impact on clients of financial advisers. It will highlight any financial planning opportunities that arise.
  • Better Protection Conversations Recorded: Feb 11 2020 32 mins
    Gregor Sked
    In this 30 minute we will cover: When you’re making a cake, the ingredients you use, the sequence in which you add them and the timing all have an impact on the end result.

    When you think about your protection sales process, it’s not much different. The things you do, things you say, when you say them, and how you say them all have an influence on the end result.

    In this presentation, Royal London will present some simple but effective tools and ideas you can use and incorporate into your own sales process to help you achieve genuine protection buy in from your clients.

    Learning outcomes:

    At the end of this session, you will be able to:

    •Describe the importance of making a good first impression.
    •Explain the importance of advice using a simple opening premise.
    •Demonstrate the true benefits of Professional Advice vs non advice.
    •Position protection risks and probability using the Royal London Marketing Studio Reports.
    •Describe why using the lifestyle expenditure calculator can help you manage the objection about affordability and budget.
    •Use these tools to deal with typical objections.
    •How to qualify for Free Protection Cover with Royal London.
    •How to build a cost effective menu based protection solution.
  • Coaching; tips from practitioners who have embedded it in their proposition Recorded: Feb 6 2020 60 mins
    Ruth Sturkey, Paradigm Norton; Alasdair Walker, Handford Aitkenhead and Walker Ltd; and Anthony Villis, First Wealth
    In this 60-minute webinar, we hear from current practitioners offering coaching as part of their financial planning proposition, as they explore the opportunities and lessons learned from using this technique.

    Learning objectives

    During this webinar you will;

    • find out more about coaching and understand how you could embed it as part of your proposition

    • hear real-life examples of coaching in practice and what the practical value is to a financial planning business

    • hear lessons learned from current practitioners on what works and what doesn't

    • receive practical advice and tips on coaching

    A live Q&A discussion forum will take place following the webinar at, pfspower.org.
  • Coaching; driving improved wellbeing for clients Recorded: Jan 28 2020 64 mins
    Chris Budd, Founder and Chairman of Ovation Finance and Jan Bowen-Nielsen, Founder and Managing Director of Quiver Management
    During this 60-minute webinar, we look at financial coaching and how it can be used to improve clients' understanding of themselves and help clarify their real objectives, allowing you to create more relevant financial plans and enhance your long-term value by becoming a trusted coach.

    Learning Objectives

    By the end of this session you will;

    • understand how to uncover clients’ goals and deeper motivations, and through this help them see more possibilities

    • have practical advice and tips on how to build strong rapport and relationships with your clients, helping them make better decisions

    • know how coaching can significantly improve the overall wellbeing of your clients

    • be able to use the increased understanding and deeper rapport to develop a tailored and appealing financial plan

    A live Q&A discussion forum will take place following the webinar at, pfspower.org.
  • Coaching; a powerful opportunity for advisers Recorded: Jan 28 2020 61 mins
    Chris Budd, Founder and Chairman of Ovation Finance and Jan Bowen-Nielsen, Founder and Managing Director of Quiver Management
    In this 60-minute webinar, we explore financial coaching as a complementary activity to traditional financial advice and start to examine client needs and technological trends, that underpin the need for advisers to improve their interpersonal skills.

    Learning objectives

    During this webinar you will;

    • gain a better understanding of what coaching is and the benefits of using coaching conversation techniques as a financial adviser

    • explore the opportunities that coaching can create for advisers including; better client outcomes, new income streams and stronger business

    • learn purposeful listening and observation techniques that can be used to improve understanding of clients’ needs and motivations

    • receive guidance on how to apply high-quality questioning to help increase clients’ self-awareness and facilitate their thinking and decision making

    A live Q&A discussion forum will take place following the webinar at, pfspower.org.
  • Extreme Weather Events: Understanding the risk Recorded: Jan 20 2020 29 mins
    Jonathan Guard, Director, Commercial Markets, Lexis Nexis Risk Solutions UK and Ireland
    In this 30 minute webinar, home and commercial property insurance providers can learn about how the industry can gain a clearer picture of the risk posed by extreme weather events, including perils like subsidence, storm, flood and fire, and understand how data and technology can change how this risk is assessed.

    Learning Objectives:
    Understand the impact that climate change is having on how the market writes property risk.
    Learn how the role of the general insurance / reinsurance markets has changed.
    Look at how data and technology are changing perils risk assessment at point of quote.
    Demonstrate how data and models are being used in this type of risk assessment.
The professional body for the global financial planning profession
The professional body for the global the 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.

Our Royal Charter remit is 'to secure and justify the confidence of the public'​ in our members and in the insurance and financial services sector.


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  • Title: The 2020 Budget: What it means to financial advisers and their clients
  • Live at: Mar 16 2020 11:00 am
  • Presented by: John Woolley, Technical Connections
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