Conference Programme

Harrogate June 30, July 1 - London July 2, 3

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9:10am Chairman’s opening comments

9:15am Keynote speech: The future of post-retirement - Dr Ros Altmann

Dr Ros Altmann, the leading adviser to the pensions industry, details the critical issues facing Financial Planners and Advisers offering retirement planning and solutions. Dr Altmann will examine the impact of the credit crunch, the implications of longer lives and the importance of providing for changing lifestyles, setting those against the changing regulatory and industry agenda and giving insight into the crucial issues for the coming period.

Increasing life expectancy & need for flexibility in retirement?
Balancing client expectations against reality
How much volatility can a client handle?
Navigating the product labyrinth
The likely policy response

LONGEVITY, LIFESTYLE PLANNING AND CLIENT NEEDS

10:00am Tailoring pension solutions to client needs – strategies for drawdown

A challenging landscape requires flexible, adaptable and clear advice, and a successful adviser will look to create bespoke solutions depending on the client’s age, lifestyle and income. This session takes in phased drawdown, scheme pension, SIPPS and SSAS.

How can you motivate new clients to invest and plan for their future?
Due diligence, research and security
The FSA and the TCF challenge
The protected rights issue
Pension consolidation strategies
SIPPS/ SSAS and commercial property

Martin Tilley, Business Development Manager, Dentons

10:30am How should I help my clients plan for longevity and what implication does that have for pension planning?

What is the difference between expectations for life expectancy and the reality – how does that impact people’s attitude to pensions?
Are the people who underestimate the expectation of life most the least likely to buy a pension?
Have people been becoming more averse to financial risks in recent years?
Has the global financial crisis made people even more risk averse?

Chris O'Brien, Director of the Centre for Risk and Insurance Studies, Nottingham University Business School

11:00am Coffee

DEVELOPMENTS IN POST-RETIREMENT TOOLS AND PRODUCTS

11:15am Bespoke solutions for individual clients -- a third way approach

There is a lot of confusion about what variable annuities are, and what they are not. This session from Hartford, the leading provider of variable annuities in the UK, will deconstruct exactly how IFAs can use variable annuities strategies, and for which clients they are most suitable.

What are they and how do they work?
What are the best strategies for using variable annuities?
What’s the benefit for the client?
The role of guarantees

Dan Russell, Key Account Director, The Hartford

11:55am How do you demonstrate the value of your advice post-retirement?

This session focuses on how to use technology to add value to your retirement proposition.

Pension consolidation – managing suitability
The transition from accumulation to de-accumulation
Using a platform to manage retirement income for your clients
The value of active asset allocation post-retirement

Alistair Conway, Director of Marketing and Propositions, Cofunds

12:35pm Pension switching and FSA compliance

When the FSA issued its Pension Switching Review in December 2008, it considered advice unsuitable in 1 out of every 6 cases. Switching clients out of older, poorly performing plans is the right thing to do, and this session will look at how to continue offering switching advice compliantly.

The FSA’s Pension Switching Review of Dec 2008
FSA firm visits and reviews
Being prepared for “further action”
Being compliant on product costs, risk matching, existing benefits
Ongoing reviews

David Trenner, Technical Director, Intelligent Pensions

1:15pm Lunch

STRATEGIES FOR SUCCESSFUL RETIREMENT PLANNING

2:15pm Trying not to outlive your money -- strategies to manage expectations and income

Data mining with the right tools
Phased out or phased in?
hy model when you have illustrations?
Monte Carlo to avoid bust?
What’s the best encashment order?
Staying or leaving? QROPS

Robert Reid, Chartered Financial Planner and Investment Adviser, Syndaxi

2:55pm What options should IFAs think about at retirement and after?

What questions do you need to ask yourself and your clients?
Holistic planning options
Using non-pensions assets to provide income – equity release
Income drawdown and investment strategies
Annuitisation – when and how?
Investment bonds and OEICs

Stuart Tragheim, Director of Business Development, LV

3:35pm Balancing risk and reward in retirement investing

Income is a key factor in both pre and post retirement planning. Here we will discuss how a simple derivative technique can be used to increase income, while still allowing for capital growth.

Income is difficult to obtain when interest rates are low
Long-term retirement savings are threatened by low returns, the corrosive effects of potential inflation, and long-term compounding of the resulting negative return
A simple derivative technique can be used to increase income
Thomas will discuss the technique used and the safety of adopting a derivative instrument in a mainstream traditional equity investment portfolio

Dr Thomas See, Head of Structured Fund Management, Schroders

4:10pm Coffee

4:25pm Offering more options for at-retirement clients

Offering more options to your at-retirement clients not only delivers competitive and more flexible outcomes for your clients, but will transform your business and deliver tangible solutions to boost advice interventions and profit from the same pool of clients.

The problem & opportunity defined – why the market is currently sub-optimal
How the market is changing and the impact for advisers
What is the spectrum of options today to satisfy the advisers clients?
Offer More Options : What’s in it for your client?
Offer More Options : What’s in it for the adviser and their business?

Steve Lowe, Director, Living Time

5:00pm DISCUSSION PANEL – Pensions, reviews and balancing risk against caution

A panel of leading IFAs discuss the main themes of the conference

Nick McBreen – Worldwide Financial Planning
Tom McPhail – Hargreaves Lansdown
Paul Richardson – Concept Financial Planning
John White – Bentley Jennison

5:40pm Chairman’s closing comments

5:45pm Networking drinks

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