Financial advice where extra support and care needed

If you’re looking for financial advice or need assistance planning for a family member where extra support and care is needed, Edale can assist.

Whether you have temporary, sporadic or permanent vulnerability and need additional care and guidance, we have experience and an approach to support you.

Individual financial situations and personal circumstances vary and in these cases, you might need additional help with your financial planning needs. The FCA’s Consumer Duty requires financial services to prioritise your needs. Our commitment to providing support to all our clients, including those who may be experiencing difficult or unexpected circumstances or who may need some extra help to use our services. This page provides details on how we work in such cases.

Understanding Extra Support Matters

Everyone’s circumstances can change—through health challenges, life transitions, or language and literacy barriers—and having someone who understands those changes makes all the difference. By recognising when you might need a little more guidance, we can tailor our advice, ask the right questions, and ensure you feel confident about each financial step.

Working to help you

Our dedicated advisers combine professional expertise with genuine empathy. They’ve helped countless families and individuals navigate complex situations, always listening first, explaining clearly, and crafting personalised strategies that truly fit your life.

Money Safeguarding and Safety

Supporting individuals and those looking after individuals to keep money safe. Use of FSCS‑protected bank or custodial accounts, safeguarding login credentials, recognising phishing and fraud attempts, and selecting providers with appropriate security measures. Seeing warning signs linked to money abuse. Helping people spot signs of financial coercion or undue influence (e.g., sudden demands, isolation), and use of specialist support (e.g., domestic abuse charities, Age UK).

Investment Planning

Grow and preserve your savings with confidence. From straightforward investment portfolios to more advanced structures, we’ll recommend solutions that align with your goals and comfort level.

Will Writing

Ensure your wishes are honoured. Through our network of legal specialists, you’ll get clear, jargon-free support to draft a will that reflects your priorities.

Financial Decision Support

If you ever need someone to act on your behalf, we’ll introduce you to trusted professionals for Power of Attorney or Court of Protection arrangements—giving you and your family peace of mind.

Financial services setup to do the support individuals

The financial services sector uses the “vulnerable customer” classification to identify and support people facing temporary or ongoing difficulties, such as health problems, financial struggles, or communication obstacles, which are important to cover when discussing and advising on financial matters. Our teams are trained to identify when vulnerability is present and to communicate clearly and listen patiently while providing personalised financial support. We believe it’s important to explain when we see a vulnerability, and that while it’s not a term people may like, we want to explain to you that this is an integral part of our service delivery to you. It’s vital that when we become aware of a vulnerability, we will explain to you that we feel there is a vulnerability and will consider this in our work and advise you.

Factors that act as drivers to actual or potential vulnerability include:

• health conditions or illnesses that affect the ability to carry out day-to-day tasks;
• major life events, such as bereavement or relationship breakdown;
• capability – low knowledge of financial matters or low confidence in managing money and/or;
• resilience – low ability to withstand financial or emotional shocks

Clients can self-identify as vulnerable. We also listen and make judgments for signs of vulnerability or that someone may be experiencing vulnerability.

We are aware that certain processes and procedures can themselves cause stress and vulnerability.

We strive to manage these as smoothly as possible and work with you to support financial decisions and safe management of money.

Whether you’re just exploring your options or updating an existing plan, we’re here to listen and guide you every step of the way.