Vulnerability Assessment Checklist
Prompt advisers to identify, record and support vulnerable-client needs.
Compliance note: Professional-use tool only. Outputs are working drafts for adviser review and are not tax, legal, investment, pension, mortgage, insurance, regulatory or financial advice. Verify all figures, assumptions, deadlines and wording against current HMRC, FCA, Companies House and professional-body requirements before using with a client.
VULNERABILITY ASSESSMENT CHECKLIST Indicators: [ ] Health condition or disability may affect decision-making or communication [ ] Recent bereavement, divorce, redundancy or other life event [ ] Low financial resilience or urgent cashflow pressure [ ] Low confidence, literacy, numeracy or digital access [ ] Possible coercion, third-party pressure or fraud concern [ ] Need for alternative format, slower pace or trusted supporter Support actions to consider: - Ask how the client prefers to communicate - Offer more time or a follow-up meeting - Provide information in a clearer format - Record agreed support needs on the file - Consider whether advice should pause until the client is ready Compliance note: This is a prompt for adviser review, not a diagnosis or suitability conclusion. Check FCA Consumer Duty, vulnerability guidance and firm policy before relying on it.