Pensions and Personal Finance Seminar

Agenda

09.00	Registration
09.30	Chair's welcome Dr Andrew Dearden GP in Cardiff and chair of the BMA's pensions committee
09.35	Update on Government proposals for the NHS Pension Tim Sands deputy director, NHS pensions and employment services
09.45	How will you fare within the NHS pension scheme? * What new dangers currently face the NHS pension scheme? * Why is the Government wanting to increase our contributions? * Past benefits protected – a Government promise * What are your options? Dr Andrew Dearden GP in Cardiff and chair of the BMA's pensions committee
10.15	Taxing times: update on tax changes and how to lessen the blow * Is there a tax time bomb ticking around the corner? * How will the new £50,000 pension annual allowance affect you? * The pension lifetime allowance is changing – what are the tax implications? * Fed up with the amount of tax you are paying? What can you do about it? Bob Senior director of medical services, RSM Tenon and chair of AISMA
10.45	Q & A on the previous three sessions
10.55	Coffee
11.25	Should I stay or should I go now? * Pensions case studies from a high-earning and an average-earning practice * How viable is the NHS pension scheme? * What is its true value to the individual GP? * A detailed look at how the figures add up * Is there a tipping point when GPs should opt out of the NHS scheme? * How much would it cost GPs to replace lost benefits? * Who would benefit from 24-hour retirement? Kevin Walker director, RMT Financial Management, Newcastle
12.00	Growing your money: how to get the best return on your savings and investments * Overview of the savings/investment climate * Hare versus tortoise approach – how much risk should you take with your money? * Structuring your portfolio in tough economic times * Maximising your ISA allowance Graham Walker senior consultant, Lovewell Blake Financial Planning Ltd
12.35	Q & A on the previous two sessions
12.45	Lunch and networking
13.45	Practice profit-boosting tips for tough economic times * Essential planning * Opportunities in the reformed NHS * What not to do Dr Ian Hume chairman of the GPC practice finance subcommittee
14.20	Risky exposure: why it is imperative to ensure you are properly covered by up-to-date insurance policies * Income protection – what impact have the NHS pension changes had on your cover? * Locum cover – individual GP versus practice cover * Is your practice agreement up-to-date? Max Spurgeon director at Legal and Medical Investments
14.55	Q & A on the previous two sessions
15.05	Coffee
15.30	Bankrolling your offspring * Making the dream a reality – how to afford the private school fees * University challenge – tax-efficient planning to fund your children through university * Inheritance tax, the voluntary tax – what are the rules and tips on mitigating the impact Rags Bram senior financial consultant, Redbourne Wealth Management, the financial services arm of Whittingham Riddell
16.05	Borrowing wisely for domestic and business purposes * Borrowing for the practice and capital recycling * Interest rates and hedging options * How NHS reforms may impact on GPs' ability to borrow * Succession planning – ensure your practice is attractive to lenders * Starting out – overcoming student debt to get a domestic mortgage and a partnership loan Ian Crompton head of healthcare banking services, Lloyds TSB
16.40	Q & A on the previous two sessions
16.50	Chair summarises today's highlights
17.00	Close

This programme may change due to unforseen circumstances. UBM Medica reserves the right to alter the venue or the speakers at any time.

Speakers

• Dr Andrew Dearden GP in Cardiff and chair of the BMA's pensions committee (Chair)
• Tim Sands deputy director, NHS pensions and employment services
• Bob Senior director of medical services, RSM Tenon and chair of AISMA
• Kevin Walker director, RMT Financial Management, Newcastle
• Graham Walker senior consultant, Lovewell Blake Financial Planning Ltd
• Dr Ian Hume chairman of the GPC practice finance subcommittee
• Rags Bram senior financial consultant, Redbourne Wealth Management, the financial services arm of Whittingham Riddell
• Gordon Hay managing director, Redbourne Wealth Management, the financial services arm of Whittingham Riddell
• Ian Crompton head of healthcare banking services, Lloyds TSB
• Max Spurgeon director at Legal and Medical Investments

You will be offered guidance on structuring your borrowing and made aware of the perils of out-of-date insurance policies. There will be ample opportunity to put your questions to our line-up of experts.

Exhibitors

If you wish to exhibit at one of our seminars please contact Stephen Knowles on 020 7921 8142 or email stephen.knowles@ubm.com

Delegate Testimonials

• "Exactly what I needed to prepare for this year's tax revenues." Dr Olalekan Otulana, GP in Stevenage
• "A very informative and comprehensive seminar on important aspects of GP finance and pension planning." Dr Mark Bevis, GP in Hertfordshire
• "Comprehensive knowledgeable speakers willing to answer individual niche questions." Dr Pamela Ashton, GP Principal in London

Delegates attending a previous Pulse Pensions and Personal Finance seminar