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(Getty) Independent financial advisers give an overview of how financial services providers responded to the altered reality of a country in lockdown. Financial planning practitioners are used to the situation where we need to help clients adjust course because of some unforeseen life event. If we run into challenges, this would typically come in the form of resistance from product providers. This is when the “terms and conditions” would come out. With Covid-19, though, it was different for both advisers and product providers alike. The sheer scale of requests for some sort of adjustment to plans was unlike anything we’ve witnessed or experienced before. However, it was made easier by the fact that most providers were abandoning established ways of doing business and looking to provide some relief to clients. ....