Programme List - Retirement Planner Forum 2019


8.30 – 9:00

Breakfast, registration, and networking

09.00 – 09.05

Welcome Address:

Hannah Godfrey, Deputy Editor, Retirement Planner

09.05 – 09.35

Opening Keynote: An update from The Pensions Regulator

The Pension Regulator's lead investment consultant Fred Berry will outline key areas from TPR's newly announced Corporate Plan, and consider what the implications are for retirees and their advisers.

Fred Berry, Lead Investment Consultant, The Pensions Regulator

09.35 – 10:00

Advising on defined benefit transfers

Defined benefit transfers remain a high profile as well as high risk area of business. However there are situations where a transfer will be appropriate, but the FCA has said that too many adviser firms are still consistently not giving suitable advice.  This session will look at transfer advice in the context of the FCA’s latest rules, best practice, and nuanced scenarios such as partial transfer.

Andrew Tully, Technical Director, Canada Life

10:00 – 10:25

What next for Sipps

Self-invested personal pension (Sipp) providers have been in the spotlight in recent months following a string of failed investments, scams and mis-sold pensions. Yet Sipps offer valuable advantages for the right investors in the right circumstance. This session will examine recent issues, subsequent regulatory changes, and what advisers need to consider when proposing a Sipp. It will also assess the flexibility they offer around family arrangements, withdrawal of benefits and passing capital to beneficiaries.

Stephen McPhillips, Technical Sales Director, Dentons

10.25 – 10:50

Networking Break

10:50 – 11.15

Funding an 85 Year Retirement

Controversial academic research suggests revolutionary ideas about how we might halt or even reverse the ageing process. If we believe we are likely to live longer in the future, what can Financial Advisers and the investment management industry do to deliver the income stream that will be required in retirement? This slot will examine the risks faced when investing for income and offer ways of addressing those concerns.

Jan Oliver, Partner, Baillie Gifford

11:15 – 11:40

Intergenerational planning

We all know the value of planning for the next generation. But intergenerational planning goes far beyond this. It's about helping a client look after their whole family. Not just the next generation, but the ones after that. And it's not just about looking down the generations. Advisers we know have done valuable work engaging with clients' parents too. In this session, Octopus will share some of these stories. We'll also present new research findings that shed light on how clients and beneficiaries view intergenerational planning, and where the big opportunities are for advisers.

George Rooke, Strategic Partnerships Manager, Octopus Investments

11:40 - 12:05

Panel – Equity Release:

The equity release market is booming, with the Equity Release Council's 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 expert panel will crunch the numbers and consider the opportunities for advisers.

Chris Flowers, Head of Distribution, Pure Retirement
Les Pick, Head of Sales Canada Life, Home Finance
Stuart Wilson, Corporate Marketing Director, more 2 life
Guest Chair: Jim Boyd, Equity Release Council

12:05 - 12:30

Shining a spotlight on the tapered annual allowance

Pensions and tax rules: complex and difficult topics but put them together and you've got a recipe for much confusion. The current debate over doctors refusing to work overtime due to the tapered annual allowance highlights the unintended consequences of the most confusing areas of tax law, which three years after its introduction is still poorly understood by all but a handful of experts. In this practical session Intelligent Pension's Technical Director will explain the basics, give real examples of its application, and highlight common pitfalls when making calculations.

Karen Lauder, Retirement Analyst, Intelligent Pensions

12:30 – 12:35

Closing remarks from conference chair

Hannah Godfrey, Deputy Editor, Retirement Planner Forum

12:35 -1:30

Networking Lunch