Webinar Library
Our online webinars are designed to give you a greater insight into the at-retirement market.
Please contact your dedicated account manager for any queries you may have.
To view one of our recorded webinars, simply click one of the titles below:
Alternatively, you can scroll down to see all of our recorded webinars.
Who are you calling vulnerable?
Is a client vulnerable?
At first glance, answering this question appears fairly straightforward. However, a common misconception is that a vulnerable client is simply someone experiencing the frailties that often occur with advanced ageing.
In this webinar, Martin Lines, Business Development Director, and Karl Steadman, Retirement and Later Life Specialist, discuss vulnerability and how to avoid the potential pitfalls it presents. They highlight the main points from the FCA’s Guidance Consultation and share some valuable pointers to help review existing approaches.
Plus, they’ll show you how to access valuable online training material and discuss the benefits of working with other organisations.
By watching this recording, you'll understand:
- The differences between permanent, transient and potential vulnerability, and how to spot it.
- The key points from the FCA guidance for firms on the fair treatment of vulnerable consumers.
- Lessons learned so far in making vulnerability policies as effective as possible.
Contact your dedicated account manager for a copy of the webinar presentation*.
The facts and information presented in this webinar were correct as of 30 April 2020. We accept no responsibility for the continued accuracy of this information.
*Presentations are only to be used in conjunction with their respective webinar recording.
Exploring FCA Assessing Suitability Review II with Rory Percival
The FCA’s recent ‘Dear CEO’ letter outlined their intentions for a second Assessing Suitability Review focusing on retirement income advice.
The coronavirus pandemic may have caused the review to be pushed back to the autumn. However, we believe understanding the FCA’s direction of travel, concerning retirement income processes to deliver good outcomes, remains an important and timely topic for advisory firms*.
In this webinar, Martin Lines from Just and Paul Boston of Novia are joined by financial services technical and regulatory expert, Rory Percival. Together they explore the FCA’s motives and objectives, as well as provide insight to help with reviews of internal advice processes.
The webinar covers:
- FCA Assessing Suitability Review II
- The FCA’s concerns regarding the retirement income market
- Biases that can influence the give and take between flexibility and security
- How to blend essential and discretionary income needs, via a platform
Contact your dedicated account manager for a copy of the webinar presentation**.
The facts and information presented in this webinar were correct as of 27 April 2020. We accept no responsibility for the continued accuracy of this information.
*Marketing effectiveness survey 2019, Just (Regulatory insight from providers rated highly by advisers both in their interest and above other outlets).
**Presentations are only to be used in conjunction with their respective webinar recording.
Solving the Longevity Risk Conundrum in Drawdown Portfolios
Managing clients’ accumulated assets and investing for income in retirement will be second nature to many advisers. No doubt you’ll be accustomed to constructing drawdown portfolios designed to ensure flexibility and opportunity for asset growth in a tax efficient environment, as well as navigating exposure to volatility and sequence risks.
In this webinar, Business Development Director, Martin Lines, and Mark Johnson, Director of Retirement Income, discuss new thinking and a new solution, Secure Lifetime Income. This can improve certainty and successful outcomes of flexi-access drawdown ‘probability’, ‘bucketing’ and/or multi-asset portfolio strategies.
The webinar covers:
- The future of sustainable retirement income planning and the potential impacts of the continued focus of the FCA on suitability of advice and disclosure on advisory firms
- How addressing longevity risk early can reduce volatility and sequencing issues
- How using guaranteed income to free up assets can be used with an aim of generating long-term growth
Download a copy of the webinar presentation*
The facts and information presented in this webinar were correct as of 19 March 2020. We accept no responsibility for the continued accuracy of this information.
*Presentations are only to be used in conjunction with their respective webinar recording.
Equity Release - When does outsourcing make sense?
In the age of pension freedoms, it is important to consider all sources of retirement funds for clients, including Equity Release. After all, for many clients, their home will be their biggest financial asset.
With regularly changing products, terms and criteria, advisers who are yet to tap into this market may benefit from working with a specialist.
By watching this session, you will be able to:
- Discuss the key drivers in the Equity Release market.
- Understand the changes to product choice and responsible lending considerations.
- Recognise where a referral solution might be appropriate.
Download a copy of the webinar presentation*
The facts and information presented in this webinar were correct as of 12 December 2019. We accept no responsibility for the continued accuracy of this information.
*Presentations are only to be used in conjunction with their respective webinar recording.
PS19/01: Going beyond the standard
Our webinar looks at the latest policy statement on retirement income, which came into effect on 1 November 2019. From this date the FCA is expecting all firms to be assessing a client’s eligibility for ‘enhanced’ annuity rates, and generating market-leading quotes.
For example, to ensure the accuracy of comparison quotes, advisers must take reasonable steps that go beyond a ‘yes or no’ answer to good health questions. Our new webinar will cover this and more. But what are the changes?
By watching this session, you will learn:
- What the rules are and how they affect you.
- What you need to do differently.
- What best practice looks like.
- What you'll receive from providers that helps validate your advice.
Download a copy of the webinar presentation*
The facts and information presented in this webinar were correct as of 28 October 2019. We accept no responsibility for the continued accuracy of this information.
*Presentations are only to be used in conjunction with their respective webinar recording.
Responsible lending - three ways to lower the cost of borrowing
The market is changing and with more products there is the potential for more complexity.
Watch this webinar, where we consider responsible lending and show three ways the Just For You Lifetime Mortgage can help clients reduce borrowing costs and increase control:
- How accessing cash facilities can be optimised to meet specific client needs.
- Explore our new features that give clients more control over their finances. - Achieving a better LTV with medical underwriting.
- Use medical underwriting to broaden your client options. - Recognising the benefits of servicing interest in estate planning.
- See how you can dramatically reduce the overall cost of borrowing to increase the remaining legacy.
Download a copy of the webinar presentation*
The facts and information presented in this webinar were correct as of 26 March 2019. We accept no responsibility for the continued accuracy of this information.
*Presentations are only to be used in conjunction with their respective webinar recording.
Centralised Retirement Proposition - What does it mean and do you need it?
We'll be exploring the following initiatives:
- The key areas that advisers need to consider when formulating an approach to managing income in retirement
- The need to deliver a consistent and robust outcome for each client in retirement and how advisers might go about this
Watch this webinar, where you’ll be able to:
- Discuss the changing risks as clients move from accumulation to decumulation of pensions wealth.
- Explore the main approaches to sustainable income generation.
- Identify the key stages in developing a centralised retirement proposition
Download a copy of the webinar presentation*
The facts and information presented in this webinar were correct as of 26 July 2018. We accept no responsibility for the continued accuracy of this information.
*Presentations are only to be used in conjunction with their respective webinar recording.
Lead generation and business development in long term care
We'll be exploring the following initiatives:
- Raising awareness within your own client banks.
- Working closely with professional connections.
- Making use of any accreditation you have, such as Society of Later Life Advisers (SOLLA).
- Providing local seminars/symposiums on later life advice and care.
Watch this webinar, where you’ll be able to:
- Identify potential clients within your own client bank and consider how to attract new clients.
- Evaluate which professional connections to approach boased on potential and specialism.
- Understand the value of good website content and evaluate the use of social media.
- Outline the benefits of seminars and the use of local press and advertising to raise awareness of your services.
- Demonstrtate how to make best use of professional accreditation and understand how it can enhance new opportunities.
Download a copy of the webinar presentation*
The facts and information presented in this webinar were correct as of 24 May 2018. We accept no responsibility for the continued accuracy of this information.
*Presentations are only to be used in conjunction with their respective webinar recording.
Retirement advice - What MiFID II means to you
MiFID II took effect on 3 January 2018, and has presented a significant compliance challenge for firms already within the remit of MiFID. The new directive provides more transparency into all asset classes, offering greater protection for investors. But what does this mean for your firm and what initial actions need to be considered when preparing for the changes?
In this recording we share the latest expert insight on the key points for advisory and portfolio management firms to consider. From, client categorisation to remuneration policies, product approval and lots more.
Watch this webinar, where you’ll be able to:
- Describe the background of MiFID II.
- Understand the key elements of MiFID II and how this is impacting firms.
- Recognise what initial actions you need to be aware of to help prepare for the changes.
Download a copy of the webinar presentation*
The facts and information presented in this webinar were correct as of 26 April 2018. We accept no responsibility for the continued accuracy of this information.
*Presentations are only to be used in conjunction with their respective webinar recording.
Long term care - a rewarding area of advice
For a client, making a decision to go into long term care can be difficult. Only advisers qualified in this area can provide advice on options available and make appropriate recommendations. Giving piece of mind to everyone involved.
At Just, we offer various support tools, helping you to get involved in the growing care fee funding market. Our dedicated care development team can help you from the very start of your journey through to the highest level of accreditation. We’re in contact with a variety of advisers from those wanting to expand their business to those wanting to specialise.
Watch this webinar, where you’ll be able to:
- Evaluate the size of the market and potential opportunities in care advice.
- Understand current demographics and longevity risk with regard to an ageing population.
- Assess the rising cost of self-funding care.
- Appreciate why your clients need advice.
Download a copy of the webinar presentation*
The facts and information presented in this webinar were correct as of 17 April 2018. We accept no responsibility for the continued accuracy of this information.
*Presentations are only to be used in conjunction with their respective webinar recording.
Behavioural Finance - How are your clients behaving?
In recent months, the FCA has continued its focus on the area of behavioural finance. They recognise that we do not live in a world of ‘economically rational super-consumers’ and that advisers can make a huge difference to individuals who have inherited new decision-making powers. After all, with Pension Freedoms, the choices that consumers make today can have a huge impact on their quality of life in the future.
Behavioural finance is so deep-rooted into everyday lives, that it can be difficult to spot. And actions may not necessarily be based on logical thinking. It’s important for advisers to identify common subconscious views and to show clients how to separate the rational from the irrational. Ultimately, through addressing false perceptions today, advisers can achieve better client outcomes for the future.
Watch this webinar, where you’ll be able to:
- Identify key common behavioural biases.
- Discuss the regulator's concerns.
- Recognise where biases may arise in the advice process.
- Explore ways in which good practice can positively embrace behavioural research.
Download a copy of the webinar presentation*
The facts and information presented in this webinar were correct as of 11 April 2018. We accept no responsibility for the continued accuracy of this information.
*Presentations are only to be used in conjunction with their respective webinar recording.
Pension Transfers - FCA focus and defining the benefit of advice
For many people, giving up defined benefits for more ‘freedom and choice’ could be the appropriate course of action. To date, however, the regulatory guidance on the starting presumption has run counter to this. Is this about to change?
Meanwhile, the suitability of associated investment advice, and the prevalence of contingency charging is raising the spectre of conflict of interest. For clients, advisers and their firms the risks are all too apparent.
Watch this webinar, where you’ll be able to:
- Discuss the key aspects of the proposed Appropriate Pension Transfer Analysis (APTA).
- Understand the FCA framework for introducer advice processes and associated risks.
- Recognise how to assess the security of the existing pension fund and ensure compliance with regulatory requirements.
- Appreciate the far-reaching comparisons required for replacing benefits, assessing investment suitability and the importance of replacing guaranteed income.
- Assess the benefits of cash-flow modelling and the common failures of suitability reports.
- Deal with risks associated with insistent clients by implementing recent FCA guidance 9.5a.
Download a copy of the webinar presentation*
The facts and information presented in this webinar were correct as of 13 March 2018. We accept no responsibility for the continued accuracy of this information.
Please note that we did have some technical difficulties with the live session, so there's a section in the recording where there is a temporary loss of sound.
*Presentations are only to be used in conjunction with their respective webinar recording.
