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Business Development Updates

Selected for you to access the most valuable content we’ve shared with our adviser community. Here you’ll find a depth of insight and resources to help you and your business.

Featured

The Great Advice Shift is here - are you ready? Join us at Octopus Live 2025.

View

Featured

Will you help us with our new retirement planning research

View

10 February 2016

Mega - the big ideas shaping all our futures

Take a look at this new publication in association with Pictet Asset Management - focused on the really big global trends. View here>>

29 January 2016

Seeking 5%+ yield? - Income Roadshows

Seeking 5%+ yield? 

The Base Rate of 0.5% was introduced in March 2009, which is the lowest level for 300 years. Based on the Governor of the Bank of England’s latest comments we don’t expect to see this moving any time soon. With this in mind and considering the low interest environment, we know that many advisers are desperately seeking new approaches to regular income generation. Ideally this income will be sourced from a diversified portfolio, within a certain risk and volatility level. So we think you may be interested in this –
 
Income Roadshows – book now 

Seneca Investment Managers are running a series of small seminars throughout the UK in February and March.

Seneca IM CIO, Peter Elston and Steve Jackson, Head of UK Retail will discuss the market outlook for 2016, bond and equity market dynamics and the Seneca IM multi-asset funds. The CF Seneca Diversified Income Fund provides a potential solution to the hunt for regular income, yielding c. 5%, paying income monthly. The fund has been consistent in its income production, having provided an average yield of 5.0% since launch in 2002.

(These events are PFS CPD accredited for up to 1 hour of structured CPD) 

Event info and registration

To attend these events please register on the following link>>

15 January 2016

2016 tax planning workshops - book your place

To kick off the New Year TIME are back on the road with new nationwide, CPD qualifying, tax planning workshops. The events are already underway, with a number of locations still to come around the country, and TIME would love for you to join them. In our recent adviser survey we found that Tax Planning along with Alternative Investments are very near the top of your priority lists. With this in mind, these events look to be very well timed.

The Enterprise Investment Scheme (EIS) landscape has changed rapidly over the last year, with significant changes to the legislation that will affect most EIS providers. This is an opportunity to get up-to-speed with how that impacts you and your clients.

Similarly, the major changes in the Inheritance Tax (IHT) rules and the introduction of a new main residence nil rate band are other important areas that we will be covering to ensure that you have all the information you need for the end of the tax year and beyond.
 

TIME to hear more?

These nationwide workshops cover all the key changes that affect EIS and IHT planning, as well as looking at case study planning opportunities. Spaces are limited so please book now to secure your place. 

Click here to see the full list of events available across the country 

 

“We’ve structured our events as interactive workshops with limited numbers, to deliver the practical and detailed information you need. Previous events have received excellent feedback from advisers.”

Simon Housden, Sales & Marketing Director, TIME Investments

 

 

What these events can offer you

✓

An overview of EIS and BPR and the compelling tax advantages they can offer

✓

A summary of the key changes that now affect EIS and IHT planning

✓

Client scenario case studies demonstrating EIS and BPR in action

✓

Introduction to  tax efficient solutions, including the Time  new asset backed EIS

✓

An understanding of the potential challenges to recommending EIS and BPR, including compliance and due diligence requirements, and how to overcome these

✓

Structured CPD

TIME for your due diligence  

The Martin Churchill Tax Efficient Review for TIME:EIS is now available. Click here to receive your copy of the Martin Churchill review                                           

We’re also delighted to offer you Intelligent Partnership’s independent industry report on dry bulk shipping. The comprehensive report has been designed to inform advisers about the potential risks and benefits in dry bulk shipping investment. Click here to receive your copy of the Intelligent Partnership report

TIME to talk                               

If you’d like to talk to TIME about their tax efficient solutions please call one of the team on 0207 391 4747 or email  at [email protected].

 

07 January 2016

Professional Development - The content you'd like to see

Professional Development – The content you’d like to see

With the new Adviser Home CPD Centre we need to know what you’d like to see to help fulfil your CPD. So, thanks for this feedback, and in order of interest you’ve expressed:

*Note – We asked which areas were interesting or very interesting and these rankings reflect a 2:1 weighting in favour of “very” interested.

Next

We are working with providers to get this content together both on the CPD Centre and via Adviser Homes e comms programme. If any providers reading this think they have useful material please get in touch with us via [email protected] 

If you haven’t yet registered on our CPD Centre please do here>> 

If you haven’t yet told us your own content preferences we are keeping this survey open for a few days so please complete here>>

Or if you have colleagues – including paraplanners who may wish to register or complete our survey would you pass this email to them? Thanks

Thanks, and have a great New Year

 

04 January 2016

FAMR - Adviser Home in the news

Comment and articles from the trade media – focussed on the Adviser Home FAMR consultation:

Professional Adviser>>

FT Adviser>>

10 December 2015

Adviser Home CPD - What extra content would you like?


Whether you use the Adviser Home CPD Centre or not (and 6,500 advisers are already registered with us), we really want to know what extra content you’d like to see on site to help you with your CPD. 

If you haven’t yet registered then you can do so here>> –  it’s free, and it’s easy to use but in any case would you look at this survey – essentially just one question! to influence how we build the content over the next few weeks and months.  Two minutes to complete!

Would you please respond by Monday 14th December? Thanks, your involvement is most appreciated.

03 December 2015

How your website can boost your protection sales

This Protection Blog from Kevin Carr, CEO of the Protection Review, highlights how you can take key links available and listed here to embellish your own website and give your clients a nudge along with some really useful information about their health and risks they could face.

You can also have a look at what LifeQuote have to offer to make the transaction of protection business as easy as possible here>>

26 November 2015

Chance to win an Apple watch

 

Chance to win an Apple Watch, just tell us what you think of BDMs

 

 

 

What do you think of BDMs from providers? Are they important to your business, a mixed bag, an essential source of technical info or an important contact to help smooth problems? Whether you deal with BDMs on the phone, or face to face we value your input.

This study is being undertaken by our partners BWD who will use the resulting report to help providers find and develop the sort of BDMs to really help your own business practice. 

Please spend 5 or 6 minutes on this, you will be entered into a prize draw* to win an Apple Watch ( value £339 ). Click here to take the survey>>

Much appreciated

Adviser Home

* T&Cs - view here>>

24 November 2015

NEW - Adviser Home CPD centre

 

The CPD Centre, powered by Redland Business Solutions, offers you a free, one stop, on line planning, learning and validation zone. The objective is to operate a learning and development solution to help you comply with the requirements of your profession whilst making your life easier.

 

 

If you are already one of the 4,500 advisers using the CPD Centre (www.IFACPD.com) you can log in above. 

 

The CPD Centre in brief: 

• Free to use 
• Independently owned and managed 
• Allows you to plan your learning and development throughout the year  
• Lets you see if you are behind your progress plan 
• Provides access to structured learning material from a range of providers  
• You can upload learning records from outside the system including events attended etc 
• Each month you receive a free newsletter covering Market Place developments – this allows you to maintain and validate your knowledge of market, legislative and product changes. An example issue is here for you to download – if you find it useful please go to Register Now to ensure you receive your copy each month.

In the coming weeks we will be seeking your guidance as to the content areas we should seek to add on to the CPD Centre. 

More Info 

To see more background on this Adviser Home development go here>>   

Many Thanks Adviser Home

 

 

31 October 2015

Financial Advice Market Review - FAMR

  

Financial Advice Market Review

Adviser Home Consultation

As soon as FAMR was announced at the start of August we started our consultation process asking both advisers and providers what they would like to see come out of the Review, and how they would address the Advice Gap. We ran an event earlier in October to get advisers, providers and the regulator ( and HM Treasury ) round the table in workshops. Here’s just a few quotes from our adviser research - view here>>

 

 

Adviser Home in the media

FT Adviser - View here>>

Professional Adviser - View here>>

Latest articles: Part of a regular series we write as Armchair Critic asking how the sector should respond to the challenge in FAMR Professional Adviser >> and Financial Adviser>> where the News Editor gives his interpretation on the top findings in our latest adviser research.

Our Industry Commentator View – John Lappin.

Does the Financial Advice Market Review require an unprecedented understanding of business models? View the full article here>> 

Financial Advice Market Review – How could you help with the advice gap?   

Our first round of adviser research drew a record response and thanks to the many advisers who took part. During this time we have been working with the FCA and HM Treasury, discussing our findings and setting the course to drill down further into the issue. In brief:

Only a minority of consumers benefit from financial advice, a much greater number could potentially gain from the experience but advisers are focussed, quite rightly on those clients where they can offer a profitable service. So, do we just accept this or do we look for solutions – we think the latter. It’s clear from your feedback that the costs of giving advice, the risks you take on, the regulatory burden all act as a brake on business expansion. Is the solution more advisers? If so how? Is the solution robo- advice? But what is that anyway? We think advisers need to engage with these issues as they take shape.

Our second round of research - culminating in the report, Man V Machine 2, is now complete and again thanks to all those who took part. We have given some input to HM Treasury who find our ability to report on wider adviser market views essential to the whole excercise. The highlights are:

Around half of advisers plan to expand, but half don't! Those that don't see regulation and associated costs as the main reason for caution. At Adviser Home we believe that some important regulatory changes are required to kick start growth in the adviser sector. Growth through adoption of new technologies including digital or robo advice - this is supported by some but is a matter for great concern for many - unlesss liabilities are entirely clear. Advisers see scope for greater efficienciency and hence productivity - areas for development include access to existing investment valuations and the creation of suitability reports. The idea of a lower tier for qualitfied advisers is embraced by some as a solution for consumers with simpler needs or lower levels of wealth, but for some advisers this is a backwards step  

Next Steps

The HMTreasury and FCA have published their Final Report - and here's our initial response>>

Meanwhile - please share your views below.


 

 

29 October 2015

7 Families Action Day - Please Share

 

Seven Families is a charity led campaign to raise awareness of the financial impact of long term illness or disability.

 

 

 

This Action Day is designed to further raise consumer awareness of the financial impact of long term ill health by focusing a range of social media activity across the industry on the same day.

The theme of the campaign is based around the hashtag #ForAllTheCarers and we want to say a big thank you to all the people out there who help those with disabilities and illness.

What we would like you to do:

Please post, share, like, tweet or retweet the content Please tell as many people to join in on the day Use the hashtags #ForAllTheCarers & #7Families

Assets:

You can find the new content for the Action Day here.

Videos:

There are three new videos to use. The vimeo links will let you download the content where as the YouTube links are for sharing.

Vimeo

15 second 40 second Overview

YouTube

15 second 40 second Overview

PR:

As at the end of September there had been 521 pieces of coverage campaign-to-date and 258,086 views of the films across Facebook and You Tube. The Pickfords were also recently featured in The Express.

We think 7Families is a great example of the FS industry working together to create awareness of the need for IP. You can be part of this by sharing.

Many Thanks

22 October 2015

Free Copy - The Financial Advisers Guide to Effective Cash Management

   

This new guide from Deposit Sense makes a compelling case for making cash an integral part of your clients’ portfolios – and gives you full details on how to manage their cash holdings, effectively and on the most time efficient basis for you.    

Cash is one of the largest asset classes yet many clients see it as separate from the capital they seek advice. Why? Moreover many clients apply passive management to their cash – in other words they let it lie, often in the wrong place.

The guide shows how to provide:

Greater control of clients wealth Greater regulatory protection to your business Additional business income Better quality referrals and professional connections Better client relationships Reduced exposure to legacy risk

To receive your copy of this valuable guide just email Deposit Sense on [email protected]

16 October 2015

The Financial Advice Market Review - Man vs Machine

Over the last few weeks we have carried out research amongst advisers and providers – including workshops last week with advisers, providers, the FCA and HM Treasury- thanks to all the many who took part.

The results were fascinating and we will be sharing details of some key findings over the next weeks.
 
Man vs Machine – one of the big themes, if face to face to face advice is expensive to deliver what potential for the recently famed Robo- Advice, or could it be Robo-Guidance? Is the time right to make your practice part of the Digital Evolution?
 
There is some feeling in the market that this is all too quick on the tails of RDR, but then the current advisory regime practically excludes the majority of the population. So, how to narrow the advice gap?
 
The way we see it, there are two things to consider.
 

Firstly, how to communicate with the regulator? On this point, the FCA and HM Treasury is asking for your input on their ideas and questions here>>

 
You can send your responses to the FCA using the form on the FCA website or in writing to [email protected]
 
It’s a sizable document to consider but the deadline is not until 22 December 2015. We suggest you make your voice heard.
 

Secondly, how to address this in your own business?  Do you have clients more suitable to remote or online service? Do they need guidance or advice, or both? Might there be an opportunity for you to offer to build such a service, and offer to a wider consumer base? If cost management for f2f advice is the issue, what scope for a tighter approach? Could you build your practice, with fully qualified advisers, or a para planning based expansion?

 
At Adviser Home we plan to continue our consultation on this fundamental issue, and ensure we act as an important partner in the development of your business. 

 

09 October 2015

Eight clients who may benefit from the Octopus Inheritance Tax Service

Since launching eight years ago in 2007, Octopus Inheritance Tax Service has:

Never faced a challenge from HMRC on the inheritance tax-free status of an investment. Delivered growth in line with a 3% annual growth target after investor shares have been sold. Always been able to sell shares within three weeks of a withdrawal request from investors.

 
8 Client Types

These clients could all benefit from finding out more about the Octopus Inheritance Tax Service.
 
1) Clients who are elderly or in poor health
2) Clients subject to power of attorney
3) Clients who want to keep control over their money
4) Clients who want to set up a discretionary trust
5) Clients that are selling or have recently sold a business
6) Immediate post death interest trusts (IPDI)
7) Clients that own their own company
8) Clients with existing loan trusts

Find out how here>>

30 September 2015

Would you like to build your protection business?

Five Ways to help you grow your protection business.

In the first of a new Blog from protection guru Kevin Carr he shares five tested tactics to help you develop your protection practice. We’ll make this Blog a regular feature and think you’ll find it of real value.

24 September 2015

Professionals Guide to Drawdown - and Decumulation Roadshows

Pension freedoms have resulted in a seismic flip from annuity to drawdown but for many retiring clients a blending of solutions may often be more appropriate.

This new publication from Defaqto is a Professionals Guide to the issues you face in advising clients as they move into retirement. View here>>

Join these October Roadshows from Defaqto - All about decumulation, including an insight into the impact of MIFID 2 – and 2 hours 10 minutes of structured CPD. More details and how to register here>>

We hope you find these useful.

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