Money Marketing Retirement Income Planning LIVE - May 2015

limited free places available



Programme: London

08:00 – 08:50

Registration and Welcome Coffee

08:50 – 08:55

Chairman’s Welcome & Opening Remarks

Henry Tapper - Pension PlayPen and Director, First Actuarial

08:55 – 09:25


Opening Keynote Presentation
Pension freedoms, income and lifestyle choices - how to advise effectively in the new regime

Uncovering new opportunities for your clients unlocked by the pension freedoms by analysing the latest product developments
Why income planning is not just about pensions - examining the benefits of a whole person asset management approach in enabling provision for a lifestyle choice
How to mitigate your clients longevity related income risks and provision for long term care
Key regulatory retirement income changes lowdown - an exclusive selection of the crucial changes impacting advice and opportunities post April 2015

Chris Hannant, Director General, APFA

09:25 – 09:50

Presentation 1 - session sponsored by AEGON
Flexibility & Security – the challenge in managing the balance

  • Post April, the emergence of 3 distinct client groups has created a huge planning opportunity for advisers
  • With freedom comes responsibility. Most pension savers still require a secure income in retirement, yet now also want the greater flexibility now available. If we are to avoid the Australian experience, where a quarter of pension savers have depleted there assets by age 80, finding a balance between these freedoms and the search for sustainable retirement income will be key
  • Expand on customer challenges and outline some possible solutions
    - Who is likely to take the money and run – and do they offer planning opportunities?
    - The pros and cons of the current choices at retirement
    - What’s a safe income withdrawal rate
    - How to adapt to changing circumstances
    - Identifying longevity risk

Jim Callaghan - Business Development Manager, Guaranteed Sales, AEGON

09:50 – 10:30

Presentation 2 - session sponsored by Invesco Perpetual
The Search for Income

In the current low inflation, low yield world, the search for income is proving more and more difficult for professional investors and consumers alike. At the same time, we have more retirees needing income from their investments and the new pension freedoms are only likely to increase this demand even further. We look to get to grips with the key concepts pertaining to income generating investments, explain and add context to the current market environment and highlight what the key issues are when looking for income. The presentation will discuss:

  • The main concepts of income generating investments
  • Why the search for yield has become a challenge
  • The key considerations when searching for income

Neil Dobson - Presenter - Sales, Invesco Perpetual

10:30 – 10:55

Presentation 3 - session sponsored by James Hay Partnership
Navigating the new death benefit Pitfalls

  • Covering the issues around nominations
  • Using the pension scheme in the post 75 market place
  • How a whole of market approach will be vital in this area

Paul Speight - Head of Sales (South), James Hay Partnership

10:55 - 11:25

Morning refreshment break and networking opportunity

11:25 - 11:50

Presentation 4 - session sponsored by Royal London
Income Planning in Early Retirement

  • Understanding the need to provide both growth and security in early retirement
  • Identifying ways in which those remaining invested in early retirement can manage the investment risk they are exposed to
  • Understanding the particular challenges for “middle Britain” and the FCA’s current stance on minimum pots sizes for income drawdown
  • Understanding the objectives and necessary differences between  growth and income portfolios within a pension fund

Craig Muir- Business Development Manager, Royal London

11:50 - 12:20

Presentation 5 - session sponsored by Just Retirement

Meeting the needs of the “inbetweeners”

  • A typical Inbetweener – their personal circumstances and their options
  • Key issues for this type of client now that freedom and choice is with us
  • Capacity for loss and securing the personal minimum income requirement through a secure lifetime income  

Steve Martell - Director, Development, Intermediary Sales, Just Retirement

12:20 - 13:00

Panel discussion
Anchoring in unchartered waters post April - what have we learned so far?

  • Discussing early reactions to the new freedoms - what's selling out? Sharing feedback on activity levels
  • Despite the new freedoms, pension savers still only have a choice between drawdown and annuities. Are there any alternatives?
  • Longevity and the dreaded care fees - what local authorities can do about personal pensions
  • How to ensure your clients benefit from the pension’s favourable tax regime for saving
  • Changes to the death benefits regime – what are the implications of that?
  • What new solutions will the market see rising?
  • Second line of defence requirements – how have the providers been responding?
  • Advisers and the relationship with insisting clients!

Jim Callaghan - Business Development Manager, Guaranteed Sales, AEGON
Steve Martell - Director, Development, Intermediary Sales, Just Retirement
Paul Speight - Head of Sales (South), James Hay Partnership
James Jones-Tinsley - FPMI APFS Chartered Financial Planner, Barnett Waddingham

13:05 - 14:05

Lunch and networking opportunity


End of conference


Register for free to attend:


Tuesday 12th May 2015

Aztec Hotel & Spa


Wednesday 13th May 2015

Village Urban Resort, Manchester Ashton


Tuesday 19th May 2015

Royal Institute of British Architects


Thursday 21st May 2015

Village Urban Resort, Walsall


Candice Baptiste
Delegate Acquisition Manager
0207 970 4734


Mihaela Biti
Conference Development Manager
020 7970 4221


Kim Harris
Sales Director

07985 874 161


Charlotte Fine
Event Co-ordinatorr

020 7970 4101

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