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Register now for the Nucleus annual conference
14 Aug 2019

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Register now for the Nucleus annual conference

Dear [first_name]

You are invited to the Nucleus annual conference 2019. 

We all know advisers won the last decade. 

But old realities are quickly replaced by new ones and customer needs continue to evolve so how do you keep winning? How do you maintain that momentum and continue to grow?

Sometimes it requires more than minor course corrections to stay on track. Sometimes you need to deviate from course completely, go beyond the norm, embrace new realities and new ideas to find innovative solutions to maintain your momentum. 

With this in mind, Nucleus are excited to bring you a group of speakers that you wouldn’t normally get to see together. All are active in the US and Canadian financial planning markets, and all offer an alternative perspective that might help you deviate.

As the irreverent and groundbreaking Frank Zappa said, "Without deviation, progress is not possible." 

Find out more and register now

Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

The Just For You Lifetime Mortgage gets better and better
8 Aug 2019

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The Just For You Lifetime Mortgage gets better and better

Dear [first_name]

I’m pleased to let you know Just are continuing to make their Just For You Lifetime Mortgage simpler, broader and better.

Take a look at the latest improvements:

  • Introduced percentage cashback deals ranging from two to five percent cashback on initial advances (with a £10,000 cashback cap) 
For more information, please contact Just on their usual number. Alternatively contact their support team on 0345 302 2287 or drop them an email.

Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Aviva's equity release that's as individual as your client
6 Aug 2019

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Aviva's equity release that's as individual as your client

Dear [first_name]

We don’t just put money into our houses. We pour our heart and soul into our homes. Aviva understand that, with so much personality invested in every home, you need an equally personalised approach to releasing equity. 

The Aviva approach: 

  • Tailored – The only provider who offers tailored equity release pricing, providing a personalised rate for each customer.
  • Straightforward – Provide your client’s information and needs to generate a personalised quote and find the best rate Aviva can offer them.
  • Simple – Just two core equity release products, with one set of terms and conditions.


Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com

PF011455 07/2019 For adviser use only. 

contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Combining specialist assets - White Paper and Webinar
31 Jul 2019

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Combining specialist assets - White Paper and Webinar

Dear [first_name]

As the global economy may be overdue for a downturn with increased geo-political uncertainty, Seneca IM believes adding specialist assets such as real estate investment trusts, infrastructure and specialist financials to an investment portfolio makes sense.

Combining specialist assets − physical assets and specialist financial assets – alongside more traditional investments can provide good investment yields with reduced volatility and are not usually linked to the stock market or economy. 

The white paper outlines and provides examples and case studies of specialist assets we view as promising, explaining how they work and the potential benefits of investing in them.

Specialist Assets white paper 
Access Seneca IM’s white paper to view case studies covering a range of specialist assets.

Specialist Assets Webinar 
In their latest webinar Seneca IM fund managers discuss the benefits and risks of holding specialist assets within a portfolio.

For further information on Seneca IM head over to http://www.senecaim.com

Kind regards


Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com

Seneca Investment Managers is authorised and regulated by the Financial Conduct Authority. FP19 236
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

DATE FOR YOUR DIARY: MULTI-ASSET WEBINAR – 12 September at 10am
24 Jul 2019

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Earth, Wind and Fire:  Do you remember, … September?

Dear [first_name]

A lot has happened in markets since September 2018.   Ironically, concerns about slowing growth led to the Fed’s “dovish pivot”, which in turn has boosted returns across a range of financial assets.   So despite abundant political and economic risks, this US expansion continues, leaving investors bemused in the face of lofty valuations as to how they should position portfolios.

Please join Thomas Wells, Multi-asset Fund Manager, and Jerome Nunan, Investment Director, Multi-asset, in a live webinar to discuss markets, portfolio positioning, the importance of alternative assets in delivering diversification and to debate their questionable music taste.

Register now

Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Standard Life: Top slicing relief changes advisers need to know
22 Jul 2019

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Standard Life: Top slicing relief changes advisers need to know

Dear [first_name]

Changes to HMRCs guidance on top slicing relief mean it may no longer be as quick and easy to determine if there's additional tax to pay when a bond is surrendered. In some cases, the shorthand method could now be a shortcut to the wrong tax destination. 

Bonds enjoy unique tax treatment which can play a key role in holistic tax planning. Getting to grips with how top slicing relief is calculated is now essential to ensure your clients understand what tax may be payable on bond surrenders. 

Read Standard Life’s article to understand: 

  • What has changed? 
  • How is top slicing relief calculated? 
  • Should you still be using the shorthand method?
  • When is relief available?
  • Could more change be on the way?
If you click on the links in this email, Panacea will share your contact details with Standard Life for the purposes of contacting you to provide further information on products and services they believe will be of value to you and your clients.

Top Slicing
Read more about top slicing here.



Techzone
You can also visit our dedicated website Techzone to access a wealth of information to answer your tax pension queries. 


Law and tax rules are likely to change. Your client's circumstances and where they live in the UK will also have an impact on tax treatment.
Kind regards


Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

It’s time to specialise – White Paper and Webinar
18 Jul 2019

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It’s time to specialise

Dear [first_name]

As the global economy may be overdue for a downturn with increased geo-political uncertainty, Seneca IM believes adding specialist assets such as real estate investment trusts, infrastructure and specialist financials to an investment portfolio makes sense.

Combining specialist assets − physical assets and specialist financial assets – alongside more traditional investments can provide good investment yields with reduced volatility and are not usually linked to the stock market or economy. 

The white paper outlines and provides examples and case studies of specialist assets we view as promising, explaining how they work and the potential benefits of investing in them.

Specialist Assets Review 
Access Seneca IM’s white paper to view case studies covering a range of specialist assets.

Specialist Assets Webinar 
In their latest webinar Seneca IM fund managers discuss the benefits and risks of holding specialist assets within a portfolio.

For further information on Seneca IM head over to http://www.senecaim.com

Kind regards


Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com

Seneca Investment Managers is authorised and regulated by the Financial Conduct Authority. FP19 236
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Is artificial intelligence a threat for financial advisers?
16 Jul 2019

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how the technological landscape is changing the advice market

Dear [first_name]

Keeping up with the latest technology and trends can help to give you an edge by unlocking new opportunities for your business. In a series of articles published by Aviva, Ian McKenna, Managing Director of FTRC, shares his views on how the technological landscape is changing the advice market, and what it means for you and your clients.

Is artificial intelligence a threat for financial advisers?

With artificial intelligence getting smarter all the time, what will it mean for financial advisers? With developments on artificial intelligence (AI) seemingly being referenced weekly, it can really make you question if AI is something to be welcomed or feared. 

Read more

Why advice firms need a clear technology roadmap

Technology is advancing more rapidly than ever and transforming almost every area of our lives – including the financial advice market. With technology not looking to slow down anytime soon, Ian McKenna looks at why putting in place a clear technology roadmap is key.

Read more

Kind regards
Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Living and dying with the lifetime allowance webinar. Earn CPD time
11 Jul 2019

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Living and dying with the lifetime allowance webinar. Earn CPD time

Dear [first_name]

Join Aegon's webinar on Tuesday 23 July to hear Martin Haggart, Aegon's Technical Pensions Manager, and Elaine Cruickshank, Aegon's Tax and Trusts Manager, discuss the various opportunities to consider with the lifetime allowance, including: 

  • how the lifetime allowance applies during lifetime under defined benefit and defined contribution schemes, and potential tax mitigation strategies;
  • how it applies on death, it’s impact on legal personal representatives and the key decisions for beneficiaries, and 
  • alternative savings options and protection strategies for those affected.

  • Date: Tuesday 23 July 2019
  • Time: 11.00am
  • Duration: 40 minutes

The webinar can qualify for 40 minutes of structured CPD time, subject to verification, and we'll send a certificate to participants after the webinar.

Kind regards


Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com
contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.

Zurich Horizon Funds now available on Aegon ARC
11 Jul 2019

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ZURICH HORIZON FUNDS NOW AVAILABLE ON AEGON ARC

Dear [first_name]

We are pleased to tell you that Zurich’s Horizon Multi-Asset Funds are now available on the Aegon ARC platform.

The Defaqto 5 Diamond rated Zurich Horizon Multi-Asset Funds provide a robust and simple solution for differing clients’ needs, delivering portfolios consistent with your clients’ risk profile.

The strategies underlying the Zurich Horizon Multi-Asset Funds have a strong track record going back to 2013. The Zurich Horizon Multi-Asset Funds use forward-looking strategic asset-allocation models provided by EValue, while Columbia Threadneedle actively manage the underlying funds.

For more information, please contact Zurich National Investment Development Director Fraser Blain at fraser.blain@uk.zurich.com, or you can read more here

Kind regards


Derek Bradley, CEO
Panacea Adviser
www.PanaceaAdviser.com

For intermediary use only – not for use with your clients.

Zurich Intermediary Group Limited, authorised and regulated by the Financial Conduct Authority. Registered in England and Wales under company number 01909111. Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX.

contact@panaceaadviser.com     manage my preferences     unsubscribe
Panacea is a trading style of Grantmell Ltd. Company registration number 5688007

This e-mail is private and confidential and may contain privileged material. If you have received this e-mail in error, please notify the sender and delete it immediately. You must not copy, distribute, disclose or use any of the information in it or any attachments.