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Fully accredited to meet your learning requirement

Focusing on a wide range of financial planning topics, these Chartered Insurance Institute (CII) accredited courses will support your structured CPD learning requirements. Each course will provide up to 60 minutes of learning and has clear objectives detailed upfront and questions throughout to test your knowledge and help you demonstrate your understanding of the course.

Protection Focused CPD Courses

  • Relevant Life Cover - employee protection & lifetime allowance planning

    This course explains the requirements for a policy to be Relevant Life Cover providing tax-advantaged employee benefits. It explains the tax treatment of the policy and the trust. It also shows how Relevant Life Cover can be an effective tool in pension lifetime allowance planning.

    Learning objectives

    To understand:

    • how to set up a relevant life policy
    • how to set up a relevant life trust
    • how using a relevant life policy can reduce the risk of a lifetime allowance charge on death benefits.

    Download now (PDF)

  • This course explains how life and critical illness cover can meet business protection needs. It covers key person loss of profits and loan protection cover. It explains the components of shareholder and partnership protection arrangements - including the similarities and differences.

    Learning objectives

    To understand the key characteristics of:

    • key person loss of profits and loan protection cover
    • shareholder protection arrangements - buying shares on a shareholder's death or critical illness
    • partnership protection arrangements - buying a business share on a partner's or LLP member's death or critical illness.

    Download now (PDF)

  • This course is primarily aimed at advisers arranging life and critical illness cover linked to meeting business protection needs. It outlines the main ways trading businesses can be established along with their tax treatment. It also summarises the main financial planning considerations for each type of business.

    Learning objectives

    To understand the key characteristics of:

    • sole traders, their tax treatment and financial planning needs
    • partnerships and limited liability partnerships, their tax treatment and financial planning needs
    • private and public limited companies, their tax treatment and financial planning needs.

    Download now (PDF)

Retirement planning focused CPD courses

  • In this mini CPD course we look at income tax bands and allowances for individuals.

    Learning objectives

    • To understand the different categories of income
    • To be able to calculate the income tax liability for a simple scenario
    • To understand how the calculation is affected by pension contributions.

    Download now (PDF)

  • Salary sacrifice takes advantage of complexities in the pension tax relief system to generate a substantial improvement in the value of contributions or amount of take home pay compared to paying contributions directly. Provided that it is set up correctly, it is a perfectly legitimate approach to pension funding, and recently was one of a number of benefit types exempted from an overall reform that withdrew the tax benefits of salary sacrifice. Any future reform of pension tax relief is likely to include contributions paid by salary sacrifice.

    Learning objectives

    To understand:

    • The calculation of income tax and national insurance contributions on taxable earnings
    • The enhancements available when salary is given up for employer pension contributions

    Download now (PDF)

  • The current 'exempt-exempt-taxed' pension system incentivises payments into registered pensions by providing an up-front tax exemption for the member. This course looks at the operation of tax relief within defined contribution schemes and the limits that currently apply to members.

    Learning objectives

    To understand:

    • the operation of tax relief
    • how the annual allowance restricts pension tax advantages
    •  the options for members who exceed the annual allowance.

    Download now (PDF)

  • This course explains the operation and benefits of individual protection, the eligibility criteria, and how this Lifetime Allowance can be reduced. Find out more.

    Lerning objectives

    To understand:

    • The links between fixed and indvidual protection and the lifetime allowance (LTA) reductions between 2012/13 and 2016/17.
    • Which pre and post A-day LTA protections can be held together.
    • The levels of LTA protection offered by individual protection 2014 and 2016 and the eligibility criteria.
    • How pension debits can reduce the value of individual protection.

    Download now (PDF)

  • This course explains the operation and benefits of fixed protection, the eligibility criteria, and how this Lifetime Allowance protection can be lost.

    Lerning objectives

    To understand:

    • the links between fixed and individual protection and the lifetime allowance (LTA) reductions between 2012/13 and 2016/17
    • which pre and post A-day LTA protections can be held together
    • the levels of LTA protection offered by fixed protection 2012, 2014 and 2016 and the eligibility criteria
    • when members can lose fixed protection.

    Download now (PDF)

  • The Lifetime Allowance allows significant retirement benefits to be built up in a tax-efficient environment and taken without a tax penalty. The current Lifetime Allowance is £1.03 million (2018/2019) and under current rules is set to increase in line with the consumer prices index (CPI) at the start of each tax year.

    Learning objectives

    To understand:

    • how pension benefits are tested against the Lifetime Allowance
    • the assessment of Pre A-Day benefits
    • the tax charge that applies when the Lifetime Allowance is exceeded.

    Download now (PDF)

  • The freedom and choice reforms introduced new pension income options for Money Purchase schemes. This course explains the range of options now available.

    Learning objectives

    To understand:

    • flexible Money Purchase pension income options
    • guaranteed Money Purchase pension income options
    • how different options or a blend of different options can meet client needs.

    Download now (PDF)

  • The introduction of the Lifetime Allowance on 6th April 2006 led to a range of complex transitional protections, including primary protection. The measures were necessary to prevent pension savers being penalised for having saved within the allowable limits at the time, but the rules are complex.

    Learning objectives

    To understand:

    • the operation of primary protection
    • the protection of tax-free cash
    • the interaction with other forms of Lifetime Allowance protection.

    Download now (PDF)

  • The introduction of the Lifetime Allowance on 6th April 2006 led to a range of complex transitional protections, including enhanced protection. The measures were necessary to prevent pension savers being penalised for having saved within the allowable limits at the time, but the rules are complex.

    Learning objectives

    To understand:

    • the operation of enhanced protection
    • the protection of tax-free cash
    • the interaction with other forms of Lifetime Allowance protection.

    Download now (PDF)

  • The introduction of the Lifetime Allowance on 6 April 2006 led to a range of complex transitional protections, including tax-free cash protection. The measures were necessary to prevent pension savers being penalised for having saved within the allowable limits at the time.

    Learning objectives

    To understand:

    • the scheme-specific tax-free cash rules
    • the calculation of the protected lump sum
    • the block transfer rules.

    Download now (PDF)

  • This course focuses on the key points of UK pensions legislation applying to internationally mobile members.

    Learning objectives

    To understand:

    • factors determining who can join a UK pension scheme
    • pension contributions after a member becomes non-UK resident for tax purposes
    • transferring UK pensions overseas including an outline of the QROPS rules
    • considerations when transferring overseas pensions to the UK.

    Download now (PDF)

MasterClass Webinars

MasterClass videos

Watch the latest CII accredited MasterClass from our Financial Planning and TechTalk team to add to your CPD learning.

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