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The Hidden Form of Vulnerability Financial Planning Often Misses The Financial Conduct Authority published an interesting piece of work on 13th March titled “Consumer Duty: Consumer Understanding – Good Practice and Areas for Improvement.” Much of the paper focuses on how firms communicate with customers and how well consumers understand the financial decisions they are making.

As the new year begins, many professionals take time to reflect on the areas of practice they want to develop over the coming years. Across advice, legal, and support sectors, SEND planning is increasingly being recognised as an area that requires deeper capability, rather than occasional application of standard frameworks. From SENDA’s work across the

Most advisers are aware that leaving money outright to a disabled child can cause problems. The real challenge is helping families see why, and guiding them towards safer, more sustainable solutions. The Challenges to Highlight Reframing the Client Conversation The adviser’s opportunity lies in how these risks are explained. Families are often unaware of the

Families raising a child or adult with additional needs face sustained financial pressure — higher living costs, reduced earning capacity, and low financial resilience when circumstances change. For many, benefits aren’t a safety net; they’re the foundation that allows stability and independence. That’s why understanding the interaction between means-tested benefits and long-term planning is essential for solicitors, advisers, and

The Budget 2025 did not deliver major reform for SEND families, but it did include a number of micro-tweaks that signal growing recognition of how financially different life can be for families raising disabled children and adults. Below is a concise overview of the updates most relevant to SEND planning professionals. ⭐ Key Micro-Changes SEND families