Opinion: Knowing the client fully now means testing what you didn’t ask

25 March 2026

Vulnerability is becoming measurable, reportable and outcome-focused. Elly Dowding and Lee Coates OBE, Directors at In Accord and the Accord Initiative are of the opinion that for paraplanners, the challenge is ensuring advice files reflect not only financial resilience but the human factors that can create foreseeable harm. There has been a quiet but...