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PODCAST

The Paraplanners" Assembly Podcast

Paraplanners" Assembly

Listen to our latest online Assembly PLUS bonus content created to help paraplanners from across the UK learn, fix and share. To join our Assemblies live, look and book for upcoming events at paraplannersassembly.co.uk/events Hosted on Acast. See acast.com/privacy for more information.

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All Episodes

19:09

The Pensions Commission: what could it mean for...

The Paraplanners" Assembly Podcast ·

2025/09/24

The last time the UK government convened a Pensions Commission it resulted in the equalisation of the State Pension Age between men and women, the launch of auto-enrolment plus the creation of the National Employment Savings Trust – better known as NEST.So will the recently re-constituted Pensions Commission prove to be as consequential as the last?To answer that question, we invited Barnett Waddingham’s self-invested pensions specialist, James Jones-Tinsley, to join host Richard Allum, to share his

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1:15:51

The pension IHT bombshell has landed – now what?

The Paraplanners" Assembly Podcast ·

2025/09/18

Here's a question that might keep you awake at night: what do you tell clients who've spent years building pension pots specifically because they were IHT-free, only to discover that's all changed?On 21 July 2025, HMRC published their response to the pension IHT consultation, along with draft legislation that will bring unused pension pots into the inheritance tax net from April 2027. The writing's been on the wall since Rachel Reeves' October 2024 Budget announcement, but now we have the detail and

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22:06

The State Pension age review: what paraplanners need...

The Paraplanners" Assembly Podcast ·

2025/09/11

Host Richard Allum is joined by Barnett Waddingham’s James Jones-Tinsley for a bonus episode exploring the government’s announcement of an independent review of the state pension age review and its potential consequences for retirement planning.As well as considering the scope of the review, which is being led by Dr Suzy Morrissey, deputy director of the Pensions Policy Institute (PPI), and what it means for the future, Richard and James discussThey discuss:increases to the state pension age - and

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59:21

Developing as a paraplanner: 'Where could I go from...

The Paraplanners" Assembly Podcast ·

2025/09/04

You’ve established yourself as a paraplanner, but now you’re thinking: ‘What next?’For many paraplanners, staying in paraplanning is exactly what they want to do. But what does career development look like within the profession? How have people built on their paraplanning skills and experience? And what about those considering a move into other areas like financial planning or specialising in research or operations?This Assembly, recorded on 3 September explored some of the career routes within and

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59:30

Tax wrappers: which, why and when?

The Paraplanners" Assembly Podcast ·

2025/08/21

Once upon a time, when taxes were relatively low, ISAs and unwrapped investments seemed like pretty obvious choices for clients' money.But the big cut in the capital gains tax allowance and rises in tax on gains and dividends has changed things. Tax wrappers that once seemed like more hassle than they were worth (like investment bonds) could now be the ideal vehicle – especially for higher rate taxpayers.But which wrapper is right in which circumstances and why?That’s the question that guest Neil

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59:51

Breaking into paraplanning: 'Who should I work for?'

The Paraplanners" Assembly Podcast ·

2025/08/07

Whether you’re considering a move into paraplanning, just landed your first role or are just curious about the options, one question you might keep wondering about: ‘What kind of organisation should I work for?’Do you choose in-house team or outsourced provider? A small boutique practice or large corporate? Whichever you choose, there will be pros and cons, so how do you decide which is most suitable for you?This Assembly – recorded on 6 August 2025 – lifts the lid on different paraplanning career

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26:43

IHT and pensions changes: what's happening and when?

The Paraplanners" Assembly Podcast ·

2025/07/31

Last Monday (21 July 2025), the UK Government published draft legislation which means that, from April 2027, most unused pension savings and death benefits will count towards your estate when you die.If you're wondering…which pension benefits are in scope (and which aren't)?who's responsible for paying the tax?how will the income tax offset actually work in practice?what's the timeline for implementation?...you're not alone.So in this bonus podcast episode, host Richard Allum met up with Barnett

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59:01

How can paraplanners help clients get retirement risk...

The Paraplanners" Assembly Podcast ·

2025/07/24

The choices clients make during the 5-10 years either side of retirement can decide how comfortable they’ll be once they stop working.In fact, it’s such a distinctive stage in our financial lives that, among a growing number of advice professionals, it’s known as the ‘retirement risk zone’.The data says – and you’ll know this yourself – that clients tend to become more risk-averse on their approach to retirement. Yet the likelihood of longer lifespans – and the costs associated with it – mean that

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1:00:48

Trusts and offshore bonds: options for IHT planning

The Paraplanners" Assembly Podcast ·

2025/07/17

With recent changes to capital gains tax rates reaching up to 24% and the CGT annual exemption frozen at just £3,000, many clients are looking for tax-efficient ways to structure their investments.In his latest 'Technically speaking' session for the Paraplanners' Assembly, Utmost's Steve Sayer explores how offshore bonds and trust structures work together – offering inheritance tax planning options that provide flexibility for clients who want to be prepared for the 'what ifs' of life.Packed with

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1:29:22

Breaking into paraplanning: 'Where do I even start?'

The Paraplanners" Assembly Podcast ·

2025/07/10

What knowledge, experience and skills will help you get hired? And, once you are hired, how will you know you’ve actually made the right choice?Whether you want to get into paraplanning, are just starting out, or know someone who would love to get their break, this online Assembly – recorded on 9 July 2025 – is jam-packed with insights on making your move into paraplanning.Hear for yourself how our guests took their unique paths into paraplanningHost Caroline Stuart is joined by paraplanning guests

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58:45

How paraplanners can transform women’s financial...

The Paraplanners" Assembly Podcast ·

2025/06/26

As paraplanners, we have the power to directly influence financial outcomes that are better for women – whether we’re reviewing fact finds, drafting recommendations, or creating financial plans.But are we truly creating plans for the individuals in front of us? Or are we unwittingly relying on conventional thinking and assumptions which are actually more likely to be rooted in men’s experiences rather than women’s?It matters because, more often than not, women’s financial lives are very different to

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55:55

A guide to annuity essentials for paraplanners: part two

The Paraplanners" Assembly Podcast ·

2025/05/15

Remember our Assembly on annuity essentials back in March?Over the course of one lunch-hour, Andy Powell from Standard Life walked us through the basics of annuities – how they work, the differences between pension and purchased life annuities, and the kinds of options available like inflation protection and guarantee periods.Now annuity expert Andy is back and he’s taking things a little bit further.In the second of his two-part guide to annuities essentials for paraplanners he talks to host,

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59:13

How to stay ahead in paraplanning (despite the...

The Paraplanners" Assembly Podcast ·

2025/05/01

When it comes to the idea of innovation are you more likely to radiate Ted Lasso energy rather than Roy Kent? More Bandit than Bluey? Or put another way (that doesn’t rely on eclectic TV viewing habits): does the prospect of change make you feel more ‘Yeah!’ than ‘Meh!’?The reason we ask is that we were inspired by paraplanner Zara Okoro’s recent thought-provoking article in Professional Paraplanner all about innovation. So we invited Zara from Abacus Associates, who’s also a PFS Paraplanner Panel

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1:08:14

A guide to investment bond essentials for paraplanners

The Paraplanners" Assembly Podcast ·

2025/04/17

How often do you recommend investment bonds compared to ISAs or GIAs for non-pension money these days?If it’s rarely or not at all, that’s not so surprising.Because bonds seem to have become a bit neglected planning option in recent years haven’t they?It’s a trend which means that paraplanners can be forgiven for being a bit rusty when it comes to the latest investment bond knowledge.Yet they’re an option which offers plenty of planning potential. So we thought it was about time we hosted an online

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22:38

A plain English guide to new pensions jargon: part two

The Paraplanners" Assembly Podcast ·

2025/04/10

In the second of two specially recorded bite-sized Assemblies, Barnett Waddingham’s James Jones-Tinsley returns to tackle six items of new pension terminology including:CDC (collective defined contribution schemes)PAA (pensions advice allowance)OTA (overseas transfer allowance)Crystallised and uncrystyallised pensions fundsFP2016 or FP16 (fixed protection 2016)IP2016 or IP16 (individual protection 2016)For each item, expect an easy-to-understand definition that also offers a bit of background per

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1:00:22

A guide to business protection essentials for...

The Paraplanners" Assembly Podcast ·

2025/04/03

Following his popular Assembly debut in February, Jon Hall returns to finish his exploration of protection essentials.And this time it’s the essentials of business protection that the Scottish Widows’ protection expert will be focusing on.The chances are you’ll have business owners among your clients. And plenty of you run your own businesses as outsourced and freelance paraplanners.So what happens when someone running a business becomes critically ill or dies? What steps can you take to address the

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15:36

A plain English guide to new pensions jargon: part one

The Paraplanners" Assembly Podcast ·

2025/03/27

After his popular ‘Plain English guide to old pensions jargon’ Barnett Waddingham’s James Jones-Tinsley has returned to record two specials on new pension terminology called - and we bet you’ll never guess this - ‘A plain English guide to new pensions jargon’ (parts one and two).In part one, James’s conversation covers five essential terms:PCLS (pension commencement lump sum)LSA (lump sum allowance) LSDBA (lump sum death benefit allowance) that replaced the lifetime allowance, highlighting that the

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58:54

A guide to annuity essentials for paraplanners

The Paraplanners" Assembly Podcast ·

2025/03/20

If you don’t feel all that confident about annuities, you’re not alone.Once the default choice of guaranteed income in retirement for generations of UK pension savers, for a whole bunch of reasons, annuities had been falling out of favour for year and years.Why annuities matter againHigher interest rates and inflation have led to a revival of interest in securing certainty of income in retirement.The trouble is that an emerging generation of paraplanners – and a sizeable chunk of the more

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1:09:13

Les Cameron on pensions, death and taxes

The Paraplanners" Assembly Podcast ·

2025/02/20

The way pensions are treated for inheritance tax (IHT) is set for a big shake up in April 2027 when unused pension funds will count as part of a client’s estate and become liable to IHT.In preparation for the change, the government announced a consultation on the liability, reporting and payment of IHT at last October’s Budget.That consultation ended in January 2025. But what are its conclusions likely to be? And what do paraplanners need to know now so you, your firm and its clients are ready when

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1:05:16

What do new residency rules mean for your IHT planning?

The Paraplanners" Assembly Podcast ·

2025/02/13

From April 2025, the rules determining who pays UK inheritance tax are changing.Instead of the complex domicile rules, a new ‘long-term residency’ test will decide whether someone’s worldwide assets fall into the IHT net.Discover what’s changingIn this episode, Utmost’s international technical sales manager, Steve Sayer, explores how the new rules could affect clients in a range of scenarios – whether they’re UK residents planning to retire abroad or people returning home after years overseas.Using

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