The financial market has undergone significant changes in the past year. The current market conditions pose challenges for retirement planning, such as market volatility, inflation and longevity risks. At the same time, regulatory reforms also offer new opportunities for clients and Advisers in the Guaranteed income space. How can you help your clients navigate these challenges and opportunities and provide them with the best retirement income advice? How can you adapt to the changing regulatory and economic landscape, and meet the expectations of the Consumer Duty and the Thematic Review of retirement income advice? This session will review the key elements of a secure retirement plan, which will enable your clients to safeguard their retirement income and manage longevity risk whilst also complementing what you do as a valued Adviser.

By the end of this session, delegates will be able to:

• Demonstrate the opportunities available from the introduction of Consumer Duty and the Thematic Review of retirement income advice
• Debunk common death benefit myths and explain how an annuity can be used in a retirement portfolio to meet client objectives for both Fixed Term and Lifetime Annuities.
• Apply a layered allocation approach to design a secure and sustainable retirement plan for their clients and cover phased Annuity purchase or utilising a Fixed Term Annuity holistically for either Capital or Income guarantees.
  

Retirement income planning continues to pose significant challenges with people living ever longer, the responsibility of saving and investing being transferred to individuals and the ongoing threat of inflation. With many advisers using investments designed for capital growth to provide income for their clients the management of the risk of the “sequence of returns” is key. In this context we will consider the benefits of a “natural” income stream. We will explore how natural income works as well as the current landscape for income assets. We will consider how a well-structured Multi Asset Income solution can help spread investment risk, creating multiple opportunities for the generation of both reliable and growing income as well as capital preservation/growth.

By the end of this session, delegates will be able to:

• Understand the key considerations when seeking to fund a retirement that could span decades rather than years.
• Explain what sequence of return risk is and how its effects can be managed.
• Describe what natural income is, its key strengths and benefits and how a multi-asset portfolio can be managed for income generation and income growth.

AI, Friend or Foe? The science behind Machine learning and the opportunities to add value to our client interactions. We have heard the words AI being used about more and more on a daily basis and becoming part of our daily narrative. What is AI and what sort of impact could this have on our industry and the interactions between Adviser, Investment Manager and of course the end client. In todays session, Tatton will be looking to explore the myths behind AI, explain the history and language in more detail and delve into the development of AI – where and how it started. The pace of change is phenomenal and having a good understanding of AI will be the platform to demonstrate how we can safely use this technology with our clients going forward. This will be extremely relevant in the investment world where AI will be able to take full advantage of past outcomes and learnings to help us navigate future scenarios. We will take time to understand the rational fear of the growing adoption of AI technology, explore its comfortable use and keep the focus on reality - the increasing importance of the role of the adviser in bringing technology and human interactions together for the best possible combined outcomes. We will focus on how to utilise AI to better serve the needs of clients in ot approaching retirement and think about how their needs may be different from those in accumulation. By the end of the session we aim to provide you with a confident understanding of AI, how it can be helpful, where to be careful and how to explain this harmonious approach in client discussions.

By the end of this session, attendees will be able to:

• Explain AI's origins, what it is, and where it fits into the advice and investment landscape
• Describe and review how this technology may help or hinder advisers and investment managers
• Identify how AI can be used in financial services to enhance client outcomes and increase efficiency for both advisers and investment managers
  

Your clients have been working and saving for decades just for this moment: ‘retirement’. Aside from contemplating cruises, the more time they will have available to spend with grandchildren or on the golf course, they will be making the psychological shift from saver to spender. This is a significant change. Human nature plays an important role in how we approach investing and money management. Our emotions and biases wrestle with our ability to make decisions rationally, and these emotions and biases alter at the point we retire. In understanding the ways in which the psychology of our clients in retirement affects their attitudes towards money, we will be better positioned to help advise them. Investing is ultimately not about spreadsheets, but individual choices made in our somewhat messy heads. A better understanding as to what drives their risk appetite, what approach they adopt when they interpret data and the degree to which their emotional state impacts their decision-making can be extremely helpful in improving client outcomes.

By the end of this session, delegates will be able to:

• Identify and explain 5 ways psychology affects attitudes towards money in retirement.
• Understand how you can overcome some of the behavioural barriers that might stop a client from investing. 
• Be able to explain the theory of relativity in relation to a client’s happiness in retirement.