Better together? Structure Matters!

Join us for a focused look at one of the most overlooked areas in UK financial planning – the impact of choosing joint or single ownership, settlors and lives assured for trusts and life insurance bonds. 

Advisers often go straight to a joint recommendation, but this choice can affect client tax outcomes, control, reporting efficiency and succession planning far more than many expect. Getting it right from the outset can make a real difference to how smoothly things run down the line, both for your clients and their beneficiaries.

The event qualifies for up to 90 minutes of Structured CPD accredited by CII. By the end of the session you will be able to:

• Explain the real pros and cons of joint v individual setups
• Describe how ownership decisions influence tax, access and death claims
• Explain why "joint" can sometimes be the least tax-efficient option

Les Cameron, Head of Technical, M&G

Les covers most areas of financial planning, specialising in the pensions technical arena. He joined Prudential in 1997, having held various pensions technical and management roles throughout his career. Les is a Fellow of the Personal Finance Society.   

‘Prudential’ is a trading name of Prudential Distribution Limited. Prudential Distribution Limited is registered in Scotland. Registered office at 5 Central way, Kildean Business Park, Stirling, FK8 1FT. Registered number SC212640. Authorised and regulated by the Financial Conduct Authority. Prudential Distribution Limited is part of the same corporate group as the Prudential Assurance Company Limited. The Prudential Assurance Company and Prudential Distribution Limited are indirect subsidiaries of M&G plc, a company incorporated and registered in England and Wales.