Helping clients experiencing vulnerability

Identifying when a client is experiencing vulnerability is important, but it's only part of the process. Assessing and recording vulnerability needs to be consistent and the differences between a vulnerability and a vulnerable circumstance, should be kept in mind.  

We've developed a range of support items and a free training module to help you. 

Vulnerability and vulnerable circumstances 

Tim Farmer, Co-Founder and Clinical Director at Comentis, explains the differences between a vulnerability and a vulnerable circumstance in his blog, and why an understanding is necessary to offer proper client support.

Comentis Blog

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Get assistance from our Vulnerability Matters Guide

This guide has tools and information including the models BRUCE, IDEA, BLAKE and TEXAS, developed by Chris Fitch, Colin Trend and the Money Advice Trust. It'll help enhance your knowledge of vulnerability drivers and characteristics.

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Assessing and recording to help wellbeing 

A key part of any firm's vulnerability policy is consistent assessment and recording to help ensure clients are supported. We’ve developed a client wellbeing questionnaire to help make this easier.

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How supportive is your firm's environment?

Our policy effectiveness checklist will assist you with assessing your vulnerability policies and activity, to help with identifying potential areas of improvement.

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Update your vulnerability knowledge through online learning

Provided by Just, with content created by SOLLA, the Consumer Vulnerability In Later Life online training module takes an hour to complete, followed by a test with a downloadable certificate for successful completion.

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A useful aid to understanding key life moments

In the years immediately leading up to and through retirement, we encounter big changes in our physical, emotional, mental and cognitive health. We collaborated with Comentis to produce this guide to help you provide peace of mind for your clients. 

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The Regulator’s Perspective

What are the FCA's expectations of intermediary firms?
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Other sources of information

For further information and support on working with clients in vulnerable circumstances, you can consult the following resources: