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We have listed a few instances below where you might find communicating with us difficult, and we have confirmed other ways we can communicate with you. We encourage you to speak with your Investment Manager or Financial Planner, who is your primary point of contact and will be able to assist you. If you’re unable to find their contact details, please use the “Contact Us” button below.
Whether you lack access to a stable and affordable internet connection, the right sort of device, or the skills needed to complete tasks confidently and safely online, the consequences can be devastating.
We understand that not everyone wants to use the internet, and the good news is that you do not need to in order to be a Quilter Cheviot client. We can arrange meetings with you to discuss your investments either in person or via a phone call, rather than via a video call. We can also send you all your documents via post, including any required forms.
Learning disabilities affect the way in which a person learns new things throughout their life.
A learning disability is different from a learning difficulty as a learning difficulty does not affect general intellect. It is possible for a person to have both a learning disability and a learning difficulty.
A learning disability is a reduced intellectual ability and difficulty with everyday activities – for example household tasks, socialising or managing money – which affects someone for their whole life.
A person with learning difficulties / disabilities may have some difficulties with:
- Understanding complicated information
- Learning some skills
- Looking after themselves or living alone
Examples of learning difficulties are Dyslexia, Dyspraxia and Dyscalculia. As with learning disability, learning difficulties can also exist on a scale.
A person might have a mild learning difficulty or a severe learning difficulty. The same is true of learning disabilities.
Having a learning difficulty or disability, does not mean that you cannot have investments with us.
We can work with you to ensure that we provide you with information in a way that suits you best and we can adjust the time of meetings to do them in smaller pieces to aid with your understanding.
Should you wish to, we can also add a third party to your account to help you with understanding your investments.
If you cannot speak to us on the phone, you can correspond with us via email, or if you are looking for information about your investments, we can provide you with online options. You will need to log into our online portfolio services. Here, you'll also find details of how to register for our online services if you have yet to register.
When you log in, you can find copies of your quarterly reports and other correspondence, keep track of your investments, and ensure we have all your details up to date.
People who have poor financial literacy are significantly less likely to have savings or a pension than people on similar incomes who have high financial literacy. We understand that if you have this, it may affect your financial confidence, employment prospects and daily life.
- Older people with low essential skills have unique and complex needs and circumstances, however there are some shared experiences. Experiences of worsening or new health conditions, bereavement, undiagnosed learning difficulties or disabilities (LDD) and leaving school with few to no qualifications are common.
- Low essential skills can negatively impact on older people’s ability to: Access essential services such as welfare support and healthcare provision, secure and progress in employment, manage their health and enjoy good wellbeing, including engaging in social interactions and feel confident in themselves.
- Older people with low essential skills find specific tasks challenging including understanding written information, filling out official forms, booking medical appointments online and completing job applications online.
- In the context of longer working lives, some older people experience career transition. However, low literacy, numeracy and digital skills can limit opportunities. Having targeted support available to help older people reskill and stay in employment is crucial.
- Literacy, numeracy and digital skills needs can overlap. For example, older people with low essential skills can struggle to enter written information using a smartphone or set up accounts online.
- Digital skills challenges are prevalent among older people, and they feel increasingly excluded as technology becomes more integral to our daily lives.
- The shame and stigma attached to having a skills gap can lead older people to hide the challenges they face. This is particularly prevalent in relation to maths skills.
- When older people do ask for help, they commonly rely on family and friends. But not everyone has access to trustworthy informal support networks, making the role of organisations like Age UK and adult learning providers that support older people crucial.
- Older people see the benefits of developing and maintaining skills later in life but can face a range of barriers to learning. Key practical barriers include cost, accessibility and availability of suitable provision. Attitudinal barriers including fear and shame of learning as an adult are also common.
For further support visit: