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Many will argue that the lockdown is necessary, that it is vital to protect the most vulnerable and reducing the spread of the virus by forcing people on pain of fines to stay at home unless going out is absolutely necessary. The use of meeting technology such as Zoom has helped IFA businesses to continue helping clients when they are not able to meet in person. Video conferencing facilities make it simple to keep in touch with clients, to help them when they have questions, and to provide statistics and data visually as if you were in the room with them.

The financial desperation many people are feeling now as a result of the government's actions to stem the spread of coronavirus have created a perfect environment for people to get scammed. [...]bear in mind that many grants being offered by the government have also walked into the hands of people who should never have received them - some simply because the rules were complex and difficult to get right while accountants and financial advisers were swamped with calls from concerned clients asking for assistance. Yet while the scammers might be accelerating their actions because more of us are prepared to believe in a 'get-rich-quick' scheme when we are facing financial hardship, we have been warned about everything from emails promising millions of dollars being deposited in our bank accounts by total strangers to pension scams for years now.

[...]nearly half of advisers said they had lost a female client's business because they didn't want to receive advice any more, while two in five said they had wanted an adviser of a different sex. Older women particularly, where the husband or partner has taken care of the finances for the entirety of their lives together, are particularly vulnerable when it comes to dealing with their finances, and could do with more help than most. For advisers, it helps with client retention, but for the widow or widower, it could mean the difference between continuing to grow their wealth in the right way, or losing it altogether.