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CPD August Briefing: C4 advisory firms get guidelines

The latest edition of Newsbrief counts as 1 hour of structured CPD and covers the regulatory and marketplace changes that took place during July 2014. Visit the Money Marketing CPD Centre to answer 10 multiple choice questions and complete this CPD activity.

Just click into your CPD Plan and you’ll find each month’s marketplace changes round-up in your activity list.

Not yet registered? Join for free today at and access more than 35 hours of independent, accredited CPD learning content. 

Learning objectives (full list of ApEx standards covered below)

Learning objectives

By reading this edition of Newsbrief and completing the MCQ test online you will be able to:

  • Update your knowledge of marketplace changes
  • Update your knowledge of regulatory changes


Financial services regulation and ethics

Investment principles and risk

Personal tax

Pensions and retirement planning

ApEx standards covered in this edition of Newsbrief:

Subject area Learning outcome and indicative content
Financial services regulation and ethics The regulation of financial services
− Additional oversight
Investment principles and risk The characteristics, inherent risks, behaviour and
correlation of asset classes
− Property
− Cash and cash equivalents
− Alternative investments such as commodities, fine art
The macro-economic environment and its impact on
asset classes
− Economic and financial cycles
Personal tax The UK tax system
− UK tax compliance
Pensions and retirement planning The political, economic and social context for pensions
− Government’s role, policy and proposed reforms
− Corporate responsibilities and pension provision
State schemes and individual pension planning
− Additional past and present state retirement benefits
The aims and objectives of retirement planning and
relevant investment issues
− Investments to meet retirement objectives



FCA fines RBS £14.5m over poor mortgage advice

The FCA has fined Royal Bank of Scotland and NatWest £14,474,600 over serious failings in the way the banks provided mortgage advice. In two sales reviews from 2012, the regulator says in over half the cases the suitability of the advice was not clear from the file or call recording. Only two of the 164 […]

Pensions and retirement planning

CPD: Pensions and retirement planning

The latest edition of Newsbrief counts as 1 hour of structured CPD and covers the regulatory and marketplace changes that took place during July 2014. Visit the Money Marketing CPD Centre to answer 10 multiple choice questions and complete this CPD activity. Just click into your CPD Plan and you’ll find each month’s marketplace changes round-up in your activity list.


Are CoCos a risk too far?

CoCos have come under the regulatory spotlight after the FCA took action to limit their distribution to individual investors. But while no restrictions have been applied to retail funds, some managers warn that CoCos could be a risk too far even for them. Contingent convertible securities are a type of bond that is automatically converted […]


Behind the scenes at latest rogue Ucis advice firm

A financial adviser banned and fined £350,000 by the FCA for promoting unregulated collective investment schemes misled consumers through a complex company structure designed to circumvent regulatory rules. Craig Cameron, a director of London-based advice firm Burlington Associates, helped set up and promote three high risk Ucis investing in new property developments in Croatia, Bulgaria […]

Who pays inheritance tax and how to declare it

By Kim Jarvis, Canada Life In this article we look at which forms personal representatives (PRs) need to complete and who actually pays inheritance tax (IHT).  To recap, under current rules, any part of the estate that falls within the available nil-rate band (NRB), currently £325,000, is taxed at zero. Anything in excess of the NRB […]


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