Listening is a key skill for any adviser to a family or an individual but the time will come when the conversations turn to sensitive subjects - age related illness, mental slowing down, retirement, planning for the end of life - and at such times it is important to be empathetic but honest too.

This is a good insight into some of the challenges faced when working clients of a certain age, and shares some observations on things to look out for and ways to deal with the situations too.

Nobody is going to say that it is easy but burying your head in the sand is not an option either.