Any perusal of social media, will show that advisers are becoming increasingly frustrated with the current situation across the United Kingdom with scepticism about the performance of government at all levels.
England is due to enter a version of lockdown later this week. The Financial Times reports this, unsurprisingly, as a blow to the UK economy.
The extension of furlough at around 80 per cent of wages will cost around £7billion reports the Mail but could help keep redundancies down.
Of course, England has had regional restrictions for some time. Both Wales and Northern Ireland are in forms of 'breaks' while Scotland has multi-tiered restrictions.
There are calls in Scotland from both the SNP and the Scottish Conservatives for the furlough scheme to apply in Scotland. That is no doubt one of many arguments for the next few weeks.
IFAs will likely be tailoring their advice depending on where their clients are.
The latest figures from HMRC suggest that the number of people withdrawing funds from their pension increased by six per cent in the third quarter although the amounts withdrawn have decreased.
Clearly each case will be different, but it may reflect some people feeling the pinch, others deciding not to withdraw too much in volatile markets especially when their spending may be down.
It does feel as if the drip, drip of firms falling on the FSCS may become a flow if not quite a flood. Cardiff-based IFA Bartholomew Hawkins Ltd, a business that advised members of the British Steel Pension Scheme, has gone into liquidation.
The FCA lambasts claims management firms for their lax attitude to the rules among other things - misleading advertising and poor processes. Advisers will want to see a forceful intervention.
In Money Marketing, Nic Cicutti argues that cutting pension tax relief would penalise young people twice given how hard hit they have been in the current crisis.
MM also asks whether Pensions Wise can replace a lot of DB transfer advice. A lot of advisers will likely be rather cynical about that.
The Perpetual Income and Growth investment trust, previously run by Mark Barnett, will be liquidated by mid-November as its merger with the Murray Income Trust completes.
