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Tuesday 2 November 2021

Provisional programme subject to change:

Time Session
09.30 – 09.45 Opening remarks
To be confirmed
09.45 – 10.30 Keynote
Ben Fogle – Award-winning broadcaster and adventurer

10.30 – 11.15

Covid Chaos to Build Back Better, a new world order…
Maria Municchi | M&G Investments

There have been no shortage of challenges facing investors over the last 18 months. From the current global COVID crisis to the overarching climate crisis, governments, policy makers and investors all have a joint responsibility to act now in terms of how they allocate capital to address these challenges and build back better.

In this session, Fund Manager Maria Municchi discusses some of these challenges and how investors can play an integral role in how capital is invested now, and the years ahead, to ensure a more sustainable future, as well as achieving their financial needs and future aspirations.

11.15  11.25 Comfort break
11.25 – 12.10 The business owner – planning for a catastrophe?
Justin Corliss & Craig Muir | Royal London 

In this presentation Justin and Craig will highlight the rise in business owners and will discuss some of the implications in terms of the need for financial planning.

They will start of by considering the importance and benefits of pensions before looking at the implication of the annual allowance and the potential for the tapered annual allowance to apply to the business owner.

Justin and Craig will then go on to consider the limited company, the wholly and exclusively rule and how taxation of dividends works. In terms of extracting profits, the three options – salary, dividends and pension contributions are compared.

They will also consider the various options a business owner has on retirement, pensions and other wrappers but also using the proceeds from a pension fund to purchase a property and the implications of death on these strategies.

Cashflow modelling is an important tool within financial planning conversations, but are there opportunities within this type of exercise that are being underutilised or missed altogether? In the final part of this presentation the speakers will look at three questions to ask a client during a cash flow modelling exercise to get a client thinking about the need for protection and how might they cope if catastrophe struck.
12.10 – 13.10

Lunch/Session in collaboration with ITN Productions

13.10 - 13.55 Care – chaos, confusion and capping costs
Graham Duffy | JUST 

Since the Royal Commission in 1999, the topic of social care has been much debated, but with no real resolution to the issues faced by so many families.

The Care Act 2014 was meant to address many of these issues, however the major financial aspects, such as a cap on care costs and increased capital limits never materialised.

Many describe the care system as confusing or even “chaotic” and not fit for purpose.
However, it looks like the cap may be back on the table but what is the reality of how this will actually work? In this session, Graham Duffy from Just will highlight a worked example.

Also in this session, Graham will look at a brief history of events and headlines and explore how regulated, qualified advice can bring much sought after peace of mind for individuals and their families who are all in a vulnerable position.

He will also identify the different ways that care might be funded from both a state perspective, through to all privately funded options.

Importantly, the session will also explore how the costs can currently be capped and bring certainty to a very uncertain situation.
13.55 - 14.55  Practitioner led session/panel
14.55 - 15.00  Comfort break
15.05 - 15.50 Coaching/skills session
15.50 - 16.20

State of the nation
Justin Urquhart-Stewart

16.20 - 16.30 Comfort break
16.30 - 17.15

Personal Finance Society Award 2021/22
Stay with us for a virtual presentation of this year's Personal Finance Awards.