Programme List - Professional Adviser 360 2019




Registration opens

Delegates register and browse exhibition hub

Show Description


Chairman's introduction and welcome

Julian Marr, Editor, Professional Adviser


Welcome from our headline sponsor

Craig Fazzini-Jones, Chief Operating Officer, Canada Life


Opening keynote address: The Winning Mindset

Former England cricketer turned high-performance consultant Jeremy Snape has supported some of the world's most high profile sports teams and businesses. In a unique keynote address Jeremy will share inspiring insights into the psychology of success, and reveal practical ways every business leader can achieve a winning mindset in times of uncertainty and change.

Jeremy Snape, Performance Psychologist


Panel: Trials, technology and future challenges - what next for platforms?

Platforms have transformed the investment landscape in the past 15 years, simplifying administration, increasing efficiencies and offering ever wider investment choice. But the market faces headwinds in the form of further regulation, re-platforming challenges, the growth of low-cost products, and demand for continued service enhancements. In this session our panellists will consider the future of the platform market, and discuss the technical and regulatory challenges ahead, including lessons learned from recent experiences, and the verdict of the FCA's Investment Platform Market Study.

David Ferguson, CEO, Nucleus Financial
Ben Hammond, Principal Consultant, Altus Ltd
Mark Polson, Founder & Principal, the lang cat


Panel: The age of volatility

Brexit, trade wars, rising interest rates, slower growth, volatile trading - it's all part of the seemingly new ‘normal' investment landscape in an era geopolitical and economic upheaval. However with volatility and turbulence come opportunities, so how can adviser firms position themselves to weather - or even benefit from - the storm?

Graham Bentley, Managing Director, Graham Bentley Investment Intelligence


Refreshments and Networking Break in Exhibition Hub

You and Your Business

STREAM CHAIR: Lee Robertson


Advising on defined benefit transfers

Final salary transfers remain a topical issue in the market and the FCA has introduced a variety of new rules surrounding how advisers should consider these cases. This is a high risk area of business. Despite the obvious attractions which a transfer offers, many people are likely to be better staying put. However, there are situations where a transfer will be appropriate advice, so it's important each case is judged on its own individual merits. In this session we will

  • Consider the latest FCA position and what it means to advisers and clients
  • Evaluate the potential benefits and risks of any transfer, and the reasons why people may want to transfer or stay put
  • Consider how advisers can be safely involved in this market, and what a good process may look like
  • Consider if there are any solutions which may reduce the risks involved in transferring, such as partial transfers, or using guaranteed income as part of any solution
Andrew Tully, Technical Director, Canada Life



The opportunities for equity release

The equity release market is booming, with the Equity Release Councils' figures showing a 24% increase in the third quartile of 2018 compared with 2017. There's no sign of a slowdown ahead:
2.6 million interest-only mortgages are due for repayment within the next 30 years with up to half estimated to be facing a shortfall. With 7 out of 10 of these borrowers over the age of 45, equity release products will likely be the solution for many. Our speaker will crunch the numbers and consider the opportunities for advisers.

Alice Watson, Head of Marketing and Communications, Canada Life Home Finance

Panel: Using tech to serve your clients

Technology is the starting point for virtually every potential advice client, from a random internet search or a specific look at a recommended advice firm. But technology also offers advisers a wealth of cost and time-efficient opportunities to communicate with and service clients' needs using the channels they prefer (and expect). In this session our expert panel will discuss why tech is an essential part of future-proofing your business, and appropriate solutions for adviser firms of all sizes.

Adam Higgs, Head of Research, Adviser Services, Finance & Technology Research Centre
Tessa Lee, Managing Director, moneyinfo
Mark Loosmore, Executive General Manager (Wealth), IRESS

Lunch and networking break in Exhibition Hub


Why sustainable investing makes business sense

Social, environmental and sustainability challenges are emerging as key issues for the millennial generation, so it's no surprise they are helping to drive the rapid growth in sustainable investing. Significantly, research shows that 86% of millennial investors are interested in sustainable investing, and they are almost twice as likely to invest in companies or funds that target specific social or environmental outcomes. As sustainability themed investments can demonstrate competitive long term performance compared to traditional assets we'll discuss why it makes business sense for advisers to include sustainability in their investment offerings and become better informed on this fast growing investment approach.

Will Oulton, Global Head of Responsible Investment, First State Investments

Changing attitudes to protection

Despite publication of payout rates of around 96% - public perception of protection products as unaffordably expensive, and unlikely to pay out is damaging both to the industry, and to consumers, who are failing to protect themselves against ill health and financial vulnerability. This session considers why many advisers are disengaged with protection, and asks how the industry can improve consumer access to, and uptake of, protection products.

  • Savings vs risk management
  • The how, where and when of protection discussions with clients of different generations 
  • Getting personal -the value of case studies
  • Value-added services that make a difference 



Panel: Building succession planning into your business model

Across the globe the financial community needs to brace itself for the loss of a generation of financial advisers. Yet the demand for adviser services has never been higher. How can firms bridge the advice gap? What is the role of technology in the equation? And what is motivating the new generation of advisers who have taken the plunge into the adviser industry?

You and Your Clients

STREAM CHAIR: Philip Martin


Retirement goals: weighing up longevity and risk

For decades investors have strategically reduced investment risk in their portfolios as they approach retirement. But with extended longevity, ever fewer DB pensions and the impact of pension freedoms, savings have to work harder and stretch further than ever before. The traditional financial planning model begins with attitude to risk; in this session we'll examine a more sophisticated planning model that takes into account other, equally important, risks that investors need to consider - not least the risk that clients could run out of money before they die, and ask is risk-free the new reckless in retirement?


Inheritance Tax: is a major revamp on the way?

Compared to the main 11 taxes, Inheritance Tax (IHT) is the least popular. This is quite a remarkable outcome for a tax that is paid by less than 25,000 estates a year and brings in less than 1% of total tax take. So why is it disliked so much? In this session we will look at:

  • Why IHT may no longer be fit for purpose 
  • What may replace it in the foreseeable future, and
  • Why you may want to encourage your clients who have been deferring doing any IHT planning to act now
Neil MacGillivray, Head of Technical Support, James Hay



Retirement income

Astute financial planning is critical to make the most of the flexibility offered by the introduction of pension freedoms nearly four years ago. Retirement income needs will depend on the type of life people hope to lead once they give up work, and the amount needed will depend on individual lifestyle, aspirations, health and life stage. In this session we will consider the variety of options on offer, and look at how advisers can create the best tailored solution possible to meet individual client's needs.


Lunch and networking break in Exhibition Hub

13:30- 13:55

Where next for Multi Asset?

Investments in multi-asset have boomed since the financial crisis of 2008, driven by growing investor awareness of the need for improved diversity, greater liquidity and reduced volatility. These days the class encompasses simple strategies which invest in just a couple of different types of securities to complex products offering investors access to less traditional parts of the investment universe that may have been less accessible in the past. Given the shifting economic climate, what next for multi-asset?

Justin Onuekwusi, Fund Manager, Legal & General Investment Management

Annuities - back on the financial menu?

After years in the doldrums, annuities rates are well worth consideration, with rising rates boosted by stalling life expectancy. Annuity rates have risen 19% since 2016 while the value of the average managed pension fund has grown by 15% in the same period.

  • Consolidation and beyond: an overview of a much-altered market
  • Considerations when advising
  • Pros and cons

Panel: Decumulation Discussed

Pension freedoms has opened up a dizzying array of options when retirees gain access to their pension pots, from remaining fully invested or opting for drawdown to full or partial encashment and annuitisation - or a combination of any of these. Volatility, inflation, longevity and sequencing risk can all have devastating effects on portfolios, so it is vitally important that advisers understand the different risks investing for income brings. This session will highlight key considerations and strategies for decumulation.


You and Your Profession

STREAM CHAIR: Cherry Reynard


Driving business opportunity by building public trust

The Retail Distribution Review (RDR) has done much to force reform and ultimately accelerate the evolution of the advice industry into a profession. Demand for advice is set to continue over the next few years but more can be done to build confidence and trust to encourage engagement. Addressing perceived and real trust issues will drive significant business opportunity for the sector and by demonstrating expertise, integrity and client centricity are key ingredients for trust, but what else? This practical session will give key pointers on how adviser firms of all sizes can work towards creating a culture of trust and drive greater opportunity.

  • Putting the customer first
  • How to rebuild trust in a world of PPI and mis-selling
  • Ditching the jargon 
  • Why being united and balanced will drive greater trust
Keith Richards, CEO, The Personal Finance Society

Pension scams

Pension scamming is massivley on the increase, but do clients understand the dangers and the devastating consequences of being a victim? Advisers are a client's first line of defence against scammers; this session will identify the danger signs, current scams and asks what actions an adviser should take if the worst happens.

Cindy Davies, Case Management Team Leader, The Pensions Regulator

More planning, less advice

The standard opening question for advisers meeting a client for the first has typically been what does the client do for a living. But for many clients grappling to understand their choices, a better starting point might be why: Why do they work? Do they love it or hate it? Asking why opens up a different conversation about what they want to do with their life, and how they might be empowered to plan for, and achieve their aims.

Jacqueline Lockie, Head of Financial Planning, Chartered Institute of Securities and Investment

Lunch and networking break in Exhibition Hub


Professional Indemnity Insurance

Professional indemnity (PI) insurance is an increasingly thorny and costly issue for advisers. Recent FCA figures revealed that smaller firms are paying proportionally higher PI fees than advice giants, and advisers across the board are struggling to find the cover they need to be able to offer pension transfer advice. In this session we'll look at the practical issues facing insurers, and ask what adviser firms can do to ensure they are positioned to access the best value insurance cover.


SM&CR: Are you ready?

The FCA's push to strengthen market integrity and protect consumers ramps up with introduction of The Senior Managers & Certification Regime (SM&CR) in December. It's one of the biggest pieces of regulation in decades, and firms need to act now if they are to meet the certification requirements to map out exactly who takes responsibility for what, and create a culture of personal accountability. In this session our expert speaker(s) will consider the implications for adviser businesses, and what preparations they need to put in place.


Panel: Diversity: A commercial imperative

Differentiation is one of the foundations of a successful business and diversity is a crucial part of the equation. A truly diverse workforce provides a variety of input, opinion and challenge that brings value to every part of a business and drives innovation. So how can the adviser industry - in large part the exclusive preserve of white, middle-aged men - embrace and accelerate change across gender, race, age and other barriers, and what are the specific benefits for businesses that get it right?

Justin Onuekwusi, Fund Manager, Legal & General Investment Management
Karis Stander, Managing Director, Investment 20/20


Refreshments and networking break


Plenary: Session details to be announced


Panel: Man versus machine

The accelerating pace of technological change is the leading force in today's financial advice ecosystem. Financial and technological alliances are increasingly using robotics and AI to address key pressure points, reduce costs, and mitigate risks. What are the implications of these advances on the advice industry? Where is the intersection between adviser and technology? And how can firms ensure that cyber security - one of the top risks facing financial institutions - is embedded at the heart of firms' technology offerings?


Closing Keynote: The shape of things to come

The award-winning journalist and broadcaster Robert Peston reveals his take on the current business environment, the geopolitical landscape and life after Brexit.

Robert Peston, Business and Political Journalist and Broadcaster


Chairman’s closing remarks – close of conference

Julian Marr, Editor, Professional Adviser

Please note: programme is subject to change