About Invesco Perpetual

As one of the largest independent investment managers in the UK, Invesco Perpetual prides itself on its commitment to continuing professional development. It is by supporting advisers in continuing to develop their skills and knowledge that fund managers like us are able to help clients achieve their ultimate financial objectives.

Our investment approach is rooted in the view that there are no short cuts to long-term investment success. That is why we firmly believe the CPD Centre is a great idea. It will be critical to the development and education of financial professionals across our industry, and should ultimately benefit the people that matter the most to us: our clients.

CPD is a particularly pressing priority at the moment due to the imminent roll out of the Retail Distribution Review. Now could not be a better time to reaffirm our belief that well-educated financial professionals will serve their clients better and more efficiently.

Invesco Perpetual has long believed in the merits of educating financial professionals. Our regular Investment Intelligence Seminars have been up and running for 15 years and, we like to believe, have kept our partners in the intermediary industry bang up-to-date on the latest market trends and developments.

For us, CPD is just another way of keeping clients at the very heart of our investment philosophy.

Important information

The value of investments and any income will fluctuate (this may partly be the result of exchange rate fluctuations) and investors may not get back the full amount invested.

Where Invesco Perpetual has expressed views and opinions, these may change.

Invesco Perpetual is a business name of Invesco Asset Management Limited

Perpetual Park, Perpetual Park Drive, Henley-on-Thames, Oxfordshire RG9 1HH, UK

Authorised and regulated by the Financial Services Authority

Everyone deserves a just retirement

Just Retirement Ltd is a specialist company, completely focussed on improving the income of people at or approaching retirement. We have championed the development of enhanced annuities and equity release and introduced the UK's first convertible Fixed Term Annuity.

As a leading provider of enhanced annuities and equity release, we deliver award winning service to help your clients achieve the best possible retirement income.

We are proud of the recognition Just Retirement receives for our service and expertise. In the Financial Adviser Service Awards, we have been awarded '5 stars' for our enhanced annuity service every year since 2005 and each year since 2008 for equity release. We are also delighted to have been named the Financial Adviser Service Awards 'Company of the Year' for 2011 and 2009.

Find out more on our dedicated website here

Headquartered in Switzerland, Pictet Asset Management is one of the few genuinely independent asset managers in Europe. With over 780 employees, including 270 investment professionals, we operate from 17 centres worldwide. We are an investment manager with strong convictions and clear strategic priorities in a fast-changing world. Today we manage GBP 102 billion of assets across a broad range of equity, fixed income, alternatives and multi-asset strategies. Our mission is to build lasting partnerships with our clients by exceeding their expectations for investment performance and service. Our clients include some of the world's largest pension funds, sovereign wealth funds and financial institutions.

About Zurich

Zurich is committed to supporting advisers and the service they provide and is pleased to sponsor the Protection module here on the CPD Centre. We hope you find the content valuable and informative.

No one knows what life will throw at them. As an adviser, maintaining and developing your technical protection knowledge can help you to help your clients be as prepared as possible.

We also recognise that an important part of the process is helping people understand the bigger picture; helping them see what it could mean if life doesn't exactly go according to plan. We can help you here too.

Our website provides a wealth of material designed to help start important conversations, including:

• interactive tools
• checklists and infographics with facts to consider at 11 life stages
• mailers covering critical illness, IHT planning, mortgage and family protection, business protection and Relevant Life policies

Visit our website for further information and material to help you start important conversations today.