The Power of Three – Post-Budget Planning in 2025 and beyond…

The Insurance Institute of Inverness, the Highlands and Islands is happy to announce that their first CPD event of 2025 will be taking place on Tuesday 21st January.

Commencing at 10.30am this event will feature three key speakers from HSBC Life, Orbis Investments and Elston Consulting.

Please note a networking lunch will be served following the presentations.

HSBC Life

HSBC Life (UK) Limited are part of the HSBC Group. Founded in 1865, HSBC is one of the world's largest banking and financial services organisations, with customers ranging from individual savers and investors to some of the world’s biggest companies, governments and international organisations. Our Defaqto 5* rated Onshore Bond has approximately £2billion under management.

The HSBC Life Presentation will discuss “How to Navigate the Tax and Investment environment in 2025.

Learning Objectives:-

1. To develop knowledge on the role that Onshore Bonds can play in financial planning.
2. To be able to understand the taxation of the different tax wrappers available.
3. To understand the benefits of utilising trusts for Inheritance Tax Planning

Orbis Investments

At Orbis, we have been confidently investing in global stocks that we believe have excellent long-term potential, for over 30 years. Our global team of investment professionals focus on unearthing companies trading for less than they are worth, rather than timing market trends. But to find these opportunities, you can’t think like everyone else. Harness the power of investing differently today.

The Orbis speaker will discuss the long-term risks and opportunities across asset classes, many of which arise from policies being pursued by Governments in North America and Western Europe.

Learning Objectives:-

1. Understand how the semiconductor ecosystem works and why energy is an important consideration for chip manufacturers.
2. Explain how the energy system works and which companies are likely to benefit from the energy transition.
3. What impacts government deficits have on opportunities within stock and bond markets.
4. Understand how inflation affects multi-asset portfolios and inflation-resilient assets.

Elston Consulting

Elston Consulting is an investment consulting firm established in 2012 supporting UK Financial Advisers. They provide independent research, analytics, and insights to the investment committees of wealth management and financial adviser firms. Our Portfolio Management provides ready-made and custom-built MPS solutions for financial advisers.

The Elston Consulting speaker will talk about navigating the new retirement and tax regimes

Learning Objectives:-

1. Understand the key actions following the FCA Thematic Review on Retirement Income Advice
2. Develop a checklist for your Decumulation Advice Model that aligns with FCA requirements.
3. Consider portfolio construction techniques using unitised funds to mitigate CGT.

To view our image and video capture consent statement, please click here.