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Recorded Events

Our events have been designed to inform, interest and educate on a wide variety of topics.

Upcoming events

Learn more about our upcoming events over the next quarter – you’ll hear from our technical experts.

More information

Direct Investors at Tax Year End

On this event Les Cameron, Head of Technical at M&G Wealth, looked at the current tax landscape and what it means for those holding investments directly. He also looked at our new Tax Wrapper Comparison Tool and how it can help you with your analysis.

Les was also joined by Cat McInally, Investment Business Development Manager, who brought the attendees up to date with our current insurance bond offerings and how our investment solutions can help you deliver good client outcomes.

By the end of the session you’ll be able to:

  • Describe the Income Tax and Capital Gains Tax treatment of directly held investments
  • Evaluate the benefits of holding investments directly through an insurance bond wrapper

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PruFund Investment Update

On this session Mark Riggall, Head of Client Portfolio Management and Michael Watt, Investment Director at M&G Treasury & Investment Office, gave an update on how PruFund has performed in 2022. They also shared their views on diversifying real assets and performance.

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Pensions Lifetime Allowance

On this session we looked the Lifetime Allowance (LTA). LTA mat be an aspiration for most to reach with their pension plans. According to provisional figures from September 2021, in the 2019/20 tax year there were 8,510 reports of LTA breaches totaling £342m in charges. With the LTA frozen until 2026, what happens should this be reached and what are the options and planning considerations? 

By the end of this session you'll be able to: 

  • Describe the operation lifetime allowance 
  • Explain the differing Lifetime Allowance protections 
  • Demonstrate how planning is affected by the LTA

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Pension Tax Relief and Annual Allowance

The rules on tax relief and annual allowance can often lead to great confusion and frustration for clients. Therefore, this is a key area of financial planning to understand to ensure the right client outcomes are obtained. 

By the end of this session you'll be able to: 

  • Describe the operation of annual allowances 
  • Explain the interaction of the tax relief and annual allowance rules
  • Demonstrate how pension funding planning is affected by tax relief and annual allowance(s)

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Taxation of Discretionary Trusts

Discretionary trusts offer flexibility and control over who benefits from the trust property which makes them appealing for advisers and clients alike. The benefits of using a discretionary trust are widely understood, however the tax rules that apply are perhaps less so. In this session, Neil Macleod will explain the taxation of discretionary trusts and outline some planning that can be done to mitigate it.

In particular you'll gain an understanding of: 

  • The income tax and CGT treatment of discretionary trusts

  • Understand the IHT treatment of discretionary trusts

  • Identify planning strategies to mitigate IHT on discretionary trusts

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Tax wrapper management. Right wrapper, right person, right time

On this event, Barrie Dawson, Technical Manager, looked at the taxation of investment income, how to best utilise allowances of income/withdrawals and choosing the most appropriate tax wrapper for a client's objectives.

In particular, you'll gain an understanding of: 

  • The fundamentals of the financial planning process

  • The taxation of investments

  • Tax related planning considerations 

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PruFund 5 minute update - March 2022

PruFund market update as at March 2022 from the Investment Business Development Team. In this 5 minute video we cover: 

  • The current position of the underling smoothing mechanism and the underlying investment engine

  • The latest EGRs an UPAs

  • The inherited estate additional surplus

  • PruFunds outlook over the long term

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PruFund Investment Update

On this event, Mark Riggall, Head of Client Portfolio Management, M&G Treasury & Investment Office  gave an update on how PruFund has performed in 2021. He also shared his latest views on asset classes and took a closer look at some key elements of the underlying investment portfolios.

In particular, you'll gain an understanding of:

  • The performance from PruFund Growth in 2021

  • The possible headwinds and tailwinds in 2022 and how PruFund is positioned

  • The benefits of investing in real assets

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PruFund Quarterly update

On this event, Paul Fidell, Business Development Manager looked at the latest Expected Growth Rates (EGRs) and Unit Price Resets (UPRs) on a number of different products and discussed any changes made and why.

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Advice opportunities with business owners - corporate cash

With interest rates at historically low levels, in this session, Graeme Robb, Senior Technical Manager explored the key factors to be considered with respect to companies investing surplus cash.

In particular, you'll gain an understanding of:

  • The overarching concerns of directors

  • An overview of the potential impact on Inheritance Tax and Capital Gains Tax reliefs

  • An awareness of accounting and taxation issues

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Use of standard insurance company trusts in financial planning

Trusts continue to be an important solution for inheritance tax mitigation and retaining control over lifetime gifts. On this event, Neil MacLeod explored some of the important considerations when using standard insurance company trusts.

In particular, you'll gain an understanding of:

  • How to use standard insurance company trusts

  • The taxation of gifts into trusts

  • The planning outcomes trusts can deliver for clients

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The Cases for Bonds

This event looks at the role that insurance bonds play in financial planning alongside other tax wrappers such as Pensions, ISA's and Authorised Investment Funds. The event covered the tax treatment of bonds through the use of case studies and considered planning opportunities for their use. 

In particular, you'll gain a better understanding of:

  • The role that insurance bonds, both onshore and offshore, play in financial planning 

  • The taxation of bonds and collectives

  • Planning opportunities for bonds, including top slicing, estate planning assignments 

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Pensions as Intergenerational Wealth transfer vehicles

Pensions freedom brought along the possibility of pensions being used to cascade wealth down the generations, but as per most things, there can be complications and planning considerations that need to be factored in.

On this event, Mark Devlin, Senior Technical Manager (Pensions) went through the rules and planning considerations for leaving pensions to loved ones.

In particular, he'll help you gain an understanding of:

  • How wealth can be passed on now

  • A reminder of death benefits available and why nominations can be very important 

  • Planning considerations, including using your own or gifting to others pension

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Trio of Top Timesaving Tax Tools

When planning with pensions, number crunching can take up as much time as meeting with your clients. On this event Mark Devlin, Senior Technical Manager looked at blending tax theory and case studies to show you how our tools and calculators can help you in your pension tax planning work.

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PruFund update

On this event, Mark Riggall, Head of Client Portfolio Management provided an update on PruFund. He covered of the following areas:

  • Market update

  • How has PruFund performed and how is it positioned

  • What does ESG mean for PruFund

  • Key messaging for clients

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Pensions and Divorce

Whilst divorce can take its toll emotionally, there's also financial implications especially where pensions are involved. On this event Mark Devlin, Senior Technical Manager went through the financial impacts that divorce can have on pensions.

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Building blocks of IHT planning

With increasing numbers of estates being liable to six figure IHT liabilities Inheritance Tax planning is a key area. In this session Graeme Robb, Prudential Senior Technical Manager, looked at the UK IHT regime and how the use of standard insurance company trusts can play a part in delivering the right IHT planning outcomes for your clients.

In particular, he’ll help you gain a better understanding of:

  • The UK Inheritance Tax regime

  • IHT planning considerations 

  • The financial planning outcomes trusts can deliver for your clients

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Advising trustees

With more and more people using trusts through lifetime gifting or there creation in their wills, advising trustees is a key area of financial planning. Whilst there are some similarities with advising individuals giving advice to trustees is a very different animal.

This event should help you gain a better understanding of:

  • how to identify different types of trust and their investment powers

  • trustees investment responsibilities

  • the income tax and CGT treatment of trusts 

  • suitability issues when matching investments to different trusts

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The 7 steps

Arriving at the income tax liability for a UK individual requires working through a 7 step calculation. An understanding of these steps is crucial in forming a strong foundation for understanding many other areas of financial planning from pension tax relief to tapered annual allowance, bond taxation to tax charges. 

In this session, Les Cameron, Head of Technical, worked through the 7 steps and showed you how one of Prudential's flagship planning tools can help ease the pain of crunching those tax numbers.

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Bond withdrawals – which way, what’s the tax and who has to pay

Onshore and Offshore insurance bonds have been a staple part of financial planning for decades. And like all investments there will come a time where the money is to be withdrawn.

Including a case study to demonstrate the theory, Les Cameron, Head of Technical, helped you to gain an understanding of:

  • when chargeable event gains arise and who is liable for the tax

  • the bond gain calculations

  • considerations when using full or partial withdrawals

  • top slicing and the individuals tax liability

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Extracting company profits

Pension freedoms and the low interest rate environment means advising business owners has never been more important or complicated. On this session Les Cameron, Prudential Head of Technical helped you gain a better understanding of:

  • the taxation of withdrawals from a business

  • the taxation of corporate investments

  • planning considerations when advising business owners

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Powers of attorney – gifts and investment responsibilities

With many more people living into old age and having capacity issues dealing with people Attorney’s has become more commonplace. On this session Neil McLeod, Prudential Technical Specialist helped you gain a better understanding of:

  • different types of attorney and the paperwork

  • gifting powers of attorneys

  • investment responsibilities of attorneys  

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