The four L’s of “retired” life

When it comes to delivering retirement outcomes, a simple way of looking at income is the four L's – Living, Lifestyle, Luxury and Legacy.

Join us for a session with Les Cameron, Head of Technical at M&G, who'll be taking a look at the key risks facing those approaching or already in retirement, and compare the use of lifetime guarantees and temporary guarantees in delivering client outcomes.

With one eye on the "legacy", we'll also look at the death benefits attached to guaranteed incomes and their role in intergenerational wealth transfer.

It's a "session of two halves", with a special appearance from Karen Fitzpatrick, retirement specialist at M&G, for a short half-time show where we'll cover the Prudential Guaranteed Income Plan.

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 role lifetime and temporary guarantees can play in delivering client retirement outcomes
• Consider the appropriate balance of guaranteed income required to manage risk in retirement
• Explain the tax treatment of guaranteed income streams on death and their use for intergenerational wealth transfer.
• Explain the key features of  Prudential’s Guaranteed Income Plan and where it could sit in your retirement planning processes. 

Karen Fitzpatrick, Pension Specialist 

Karen Fitzpatrick, a Chartered Financial Planner, brings over 30 years of expertise in the pension and investment industry. Her extensive career includes roles with major providers, showcasing her deep understanding of financial planning and investment management. Karen excels in collaborating with financial advisers, ensuring they deliver optimal solutions to their clients. Her dedication to the field and comprehensive knowledge make her a trusted and respected professional in the financial advisory community. 

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.