BUILD: Pensions
Join us for a CPD-filled morning covering all things pensions.
Agenda
NHS Income Protection Cover – Royal London
NHS employment and membership of the NHS pension schemes offer valuable long and short-term protection against loss of income through ill health. Although the benefits are generous and valuable to members, in some instances they’re rigid and inflexible and don’t always perfectly address the member’s needs at the point they’re claimed. This is hardly surprising, these benefits aim to address the needs of the broad scheme membership, rather than being bespoke to a particular member or their family.
However, financial advisers do look to create a bespoke solution for their clients, including those who are or have been NHS employees and members of NHS pension schemes. This presentation helps advisers to better understand the income replacement mechanisms available both via NHS employment and as a result of pension scheme membership. If advisers have a greater understanding of the shape of these benefits, they’re better positioned to identify any shortfalls in the cover required at different points in the member’s life. This will enable advisers to identify how best to address these shortfalls, possibly with individual protection policies. To help illustrate this, the presentation considers several examples of potential gaps in the cover and what advisers could do to plug the gap.
Learning Objectives:
By the end of this session, you will be able to:
- Describe NHS employee benefits.
- Be confident in building a bespoke Income Protection solution to complement NHS and private earnings.
- Demonstrate the benefit of Royal London Income Protection for NHS clinicians.
Pension Planning – what legislation changes mean for financial planning – Fidelity Adviser Solutions
Recent changes to pension legislation have created new opportunities for clients when planning for retirement. A good understanding of these changes and their impact will be vital to creating a financial plan to achieve good client outcomes. This presentation will include a detailed review of what has changed, focussing on the opportunities created and importantly the pitfalls to avoid.
Learning Objectives:
- Understand the legislation changes to the pension savings landscape and what this means for financial planning.
- Consider the opportunities the new legislation creates.
- Examine how changes may impact Pension Death Benefits and Estate planning.
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