Vulnerability - a look at how a Firm can support its customers

• FCA expectations of all firms
• Who is a vulnerable customer?
• Drivers of vulnerability
• How to identify vulnerable clients
• What can advisers do to be supportive?

Pensions & Divorce

• Legislation
• How pensions are valued
• Attachment orders
• Pension Sharing
• Interaction with lifetime allowance

ESG (Environmental, Social and Governance)

• Questions clients may ask about sustainable investing
• How to capture client's thoughts, feelings and attitude to sustainable investing
• What to think about before asking the question

Intergenerational Planning

• Systems and controls
• Fact Finding
• Research and due diligence
• Suitability Reports

Income Drawdown

• What do clients want in drawdown?
• How can you help your clients?
• The intergenerational aspect of income drawdown
• The methods for taking an income from a pension

Customers Experiencing Vulnerability

• Review of the FCA Guidance Consultation paper on customer vulnerability, published in July, 2019
• Identify different types of vulnerability
• Look at the impacts of vulnerability
• Understand a vulnerable person’s needs
• Develop skills and capability of staff
• Integrating an effective vulnerable customer policy within your firm

Guide to Financial Promotions

• How financial promotions are regulated,
• What is classed as a financial promotion
• The general restriction on communicating financial promotions,
• The impact of the FCA’s ‘PROD’ rules on financial promotions,
• The impact of the Senior Managers and Certification Regime (SM&CR) on financial promotions
• The requirements for financial promotions; and
• How Paradigm can help you draft and issue compliant promotions targeted at the appropriate target market(s).

Training & Competence Guide

• Top Tips (what good looks like)
• Appropriate Key Performance Indicators
• How your plan will need to be updated to reflect the Senior Managers & Certification Regime (SM&CR) requirements
• How to meet the European Securities and Markets Authority (ESMA) rules relating to Supervisor competence
• CPD requirements under Insurance Distribution Directive (IDD) rules

Lending to the Self-Employed

• The demographic of the self-employed marketplace
• The different types of self-employment
• How to read and understand the client’s accounting figures
• How to write a good business rationale
• How a Lender underwrites a self-employed client
• Important updates from both Pepper Money and Precise Mortgages about the ways they are able to support your self-employed clients

Mortgage Fraud Guide - Prevention and Cures for Advisers

• Most common types of fraud in the Mortgage Market Place
• The typical characteristics shown by customers who may be committing fraud
• What to look out for on documentation provided by clients - payslips and bank statements
• Other areas of fraud in the Financial Services Industry
• Prevention - available tools that can help firms combat fraud without too much expense

The Senior Managers & Certification Regime (SM&CR)

• Key elements of the SM&CR regime, including:
• Firm types
• Senior Management Functions (SMFs)
• The Certification Regime
• The Conduct Rules
• The Duty of Responsibility and actions you need to take

HSBC Life

MetLife

LV=

Legal & General

Royal London

The Exeter

Unum