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To encourage a positive and realistic approach to a financially secure retirement and help delegates make informed choices
about retirement.

Explore changes in lifestyles

• Identify where income is expected to come from and how it is taxed differently in retirement


• Understand the State Pension and different types of workplace pensions


• Learn about the risks and reward involved in savings and investment


• Discover why increased life expectancy escalates the dangers of inflation and how to combat it


• Find out how to ensure the estate is passed to the intended beneficiaries and about inheritance tax


• Understand the next steps and where to receive further guidance and regulated financial advice

Changes to lifestyles

• What does retirement mean?


• Changes in the use of personal time

Income needs in retirement

• Considerations for retirement


• Life expectancy


• Taxation in retirement


• Income and expenditure in retirement

The State Pension

• Explaining the State Pension


• State Pension eligibility


• State Pension forecast

Inflation in retirement

• How inflation can erode the value of money over time


• Taxation


• Income tax in retirement


• Tax allowances

Employer specific workplace pension

• Defined Benefit and Contribution schemes


• Overview of the scheme(s)


• Retirement options


• Impact of early retirement


• Options for increasing benefits


• Adult survivors pension

Savings and investments

• Financial goals


• Understanding investment risk


• Risk and return in the real world

Estate Planning

• Inheritance Tax


• Wills and intestacy


• Power of Attorney

Aimed at: Employees, regardless of grade considering retirement and would like information on how to plan for a financially secure future