Changing retirement trends require new solutions – RBC Brewin Dolphin

Traditional retirement spending models have long followed a “smile” shaped curve, suggesting that income needs fluctuate -typically decreasing in the middle years of retirement before rising again later. However, recent evidence challenges this view, indicating that income requirements may actually continue to grow throughout the various phases of retirement. Although the recent rise in annuity rates has renewed interest in fixed income solutions, flexibility remains a key priority for most clients.

LEARNING OBJECTIVES:

• Learn how income needs evolve throughout the different stages of retirement.
• Explore the current outlook for retirement income solutions in today's market.
• Discover how innovation can support more effective and personalised retirement outcomes.

RBC Brewin Dolphin will explore relevant industry data and real-world case studies to highlight the key themes and practical implications.

‍

Distributing vs co-manufacturing investments: understanding your role - P1 Investment Management

FCA guidance around product governance and Consumer Duty has introduced new complexity - and in some cases, confusion - into the advice process. An area where this is especially evident is the blurred line between distributor and (co-)manufacturer. By influencing or designing parts of their CIP, advice firms are now unwittingly crossing into co-manufacturer territory. But this may not be the issue it initially seems.

Whether you're shaping your own models or selecting external ones, understanding your true role is essential for meeting your Consumer Duty obligations. We'll help clarify the rules, explain your regulatory responsibilities, and discuss how taking control of your CIP as risky or admin heavy as it might first appear.

LEARNING OBJECTIVES:

• Learn what makes an adviser a co-manufacturer under FCA rules
• Understand the regulatory differences between co-manufacturers and distributors
• Discover the risks and benefits of embracing the co-manufacturer role
• Learn how DFMs can support advice firms in building compliant, effective CIPs

‍

Market update 2025: Positioning for a changing world - IBOSS.

Join IBOSS for an update on the key trends already shaping markets in 2025. They'll explore the impact of shifting geopolitics, the importance of diversification as stock concentration rises, and the powerful effect currency moves have had on returns.

They'll also highlight overlooked opportunities, from the UK’s quiet outperformance to the role of gold in a balanced portfolio.

LEARNING OBJECTIVES:

• Understand key market drivers in 2025
• Evaluate the role of diversification
• Identify emerging investment opportunities