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The Paraplanners' Assembly Podcast

The Paraplanners' Assembly Podcast

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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.

Paraplanners' Assembly Desarrollo Personal Economía Exito Profesional Finanzas Personales Éxito Personal
Episodios
  • Almost everything you need to know about smoothed funds

    Almost everything you need to know about smoothed funds
    Apr 9 2026

    When a client is moving into retirement and suddenly becomes far more aware of every market dip, smoothed funds can feel like an obvious solution. But how well do you really understand what’s happening under the bonnet?

    More providers are launching smoothed funds, which means they’re cropping up more often in research and recommendations. Yet the mechanics and the meaningful differences between the various types aren’t always well understood. If you’ve ever found yourself focusing more on the smoothing overlay than the underlying fund, this session is for you.


    Almost everything you need to know about smoothed funds in one hour

    On Wednesday 8 April 2026, we were joined by first time Assembly host, Jawaad Tanwir, and Edward Green from M&G for a practical, product-agnostic look at how smoothed funds actually work.

    Ed started where it makes most sense to start: with the client. Why do smoothed funds exist at all? What role does psychology play in the transition into retirement, and when does reducing short-term volatility genuinely serve a client’s interests? From there, the conversation got into the detail paraplanners need.

    During this Assembly, we covered:

    • the three main types of smoothed fund, conventional with-profits, future expectation of returns (such as the EGR model), and backward-facing averaging, and what distinguishes them
    • why smoothed funds tend to carry higher costs than conventional multi-asset funds, and what those costs are buying
    • scale, structure and smoothing as a framework for evaluation
    • private market exposure and how it contributes to lower-volatility returns
    • what to actually look at when you’re researching these funds (hint: start with the underlying multi-asset fund, not the smoothing overlay)

    What you will take away

    By listening to this Assembly, you’ll have a clearer understanding of smoothed funds. You’ll be able to cut through the product noise and research them with more confidence. Whether you’re encountering smoothed funds for the first time or want to sharpen your existing knowledge, this is a practical session designed to give you exactly what you need to do your job better.


    Useful links

    CPD: Request your certificate

    Download Ed's slides

    Watch the Replay at Crowdcast

    Hosted on Acast. See acast.com/privacy for more information.
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    1 h
  • How salary sacrifice works, what can go wrong, and what's changing

    How salary sacrifice works, what can go wrong, and what's changing
    Apr 2 2026

    Salary sacrifice – or salary exchange – has been around for ages. But a proposal in last autumn’s Budget to cap the national insurance relief available on pension contributions has brought it into sharp focus.

    We racked our brains but don’t think that we’ve ever explored the essentials of salary sacrifice for paraplanners so, while the Finance Bill is making its way through Parliament, we decided to invite Lucy Clark and James Jones-Tinsley from Barnett Waddingham to tell us what it's all about and what’s changing in future.

    Lucy explains:

    • what salary exchange actually is
    • the national insurance savings it can unlock – for employees and employers
    • the different ways to structure it
    • the things that can go wrong

    James rounds off the 30-minute briefing by explaining the latest on the progress of the proposed cap, which is due to come into effect by 6 April 2029, and why its final form is far from settled – and may not even happen.


    Useful links

    Download: Lucy's slides

    Visit event page with links

    Watch on Vimeo

    Hosted on Acast. See acast.com/privacy for more information.
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    32 m
  • The financial planning assumptions that don’t work for women

    The financial planning assumptions that don’t work for women
    Mar 12 2026
    Think about the last financial plan you worked on for a couple.Who led the conversation? Whose risk profile shaped the recommendations? And if one partner wasn’t at the meeting – or didn’t really engage when they were – how much of a difference did that make to the plan you produced?If you’re not sure, that might be the point.As paraplanners, we work with the information we’re given. But some of the most consequential decisions in financial planning – which pension gets the contributions, how retirement income is structured, what happens when one partner dies – can be based on assumptions that nobody has explicitly questioned. And more often than not, it’s women who are most exposed when those assumptions go unexamined.This Assembly is a chance to look at three of those assumptions directly: where they come from, what they cost clients, and what paraplanners can do about them.Three recurring assumptions that could be impacting women’s financial futureWe’ve chosen three assumptions that come up again and again in financial planning for couples, and that can have a disproportionate impact on women’s financial outcomes. They span different life stages, so wherever your clients are in their financial journey, there’s likely to be something that resonates.For each one, we explored how it shows up in real planning situations, what can go wrong for clients, and what the risks are – before asking the practical question: what can a paraplanner actually do about it?Host Sam Tonks was joined by Women’s Wealth founder, Sam Secomb, and Susan Hope, Business Development Director at Scottish Widows.Together they worked through each assumption, shared practical ideas, and had a (very) honest conversation about how paraplanners can raise these issues with planners in a way that gets heard.During this Assembly Sam T, Sam S and Susan covered:How planning assumptions form in practice – and why the ones nobody questions are often the ones that cause the most damageThe compliance and consumer duty implications when planning has only really engaged one partner in a coupleWhat can go wrong for clients at different life stages when assumptions go unexamined – and what it costs themThe risks for the business, and how to demonstrate on the file that you’ve done the right thingHow to raise these issues with a planner in a way that comes across as risk mitigation, not criticismPractical things you can put in place – in the file, in your processes, and in your conversations – that make a real differenceUseful linksHere are links, articles and further reading mentioned during this Assembly.CPD: Request your certificateWatch the replay at Crowdcast (with chat)Sam Secomb’s Telegraph articleHers and His: Opening up the family budget from the Fawcett SocietyWomen and Wealth: Building Better Advice RelationshipsWomen in Retirement insights from Scottish WidowsBe Money Well resourcesLiving with and beyond cancer in 2045Financial abuse: does it concern you?How paraplanners can transform women's financial futures Hosted on Acast. See acast.com/privacy for more information.
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    57 m
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