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Everyone retiring on a defined contribution pension will have to be offered face to face advice when they retire.
With financial advice - or the lack of it - a hot topic the chancellor also announced £20m to be spent on providing free face to face advice.
And whether investors take face to face advice or not, Financial Services Authority rules say promotions must be "fair, clear, and not misleading".
I started my employment with Age UK Brent in 1989 as an adviser for the elderly providing face to face advice to the clients and this gave me a real insight into the particular needs of the local elderly from diverse backgrounds.
It's difficult for agencies to provide face to face advice to meet demand as it stands, let alone with the cuts coming down the line".
"We recognise that face to face advice is important to some customers and this will continue with sales at retail venues and via appointment".
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But Talbot admits this is no substitute for face-to-face advice.
For people in such an extreme situation, nothing but face-to-face advice will do.
The second misconception is that this is an acceptable alternative to face-to-face advice.
Hargreaves Lansdown is another business that is benefiting from the barriers to face-to-face advice that are emerging.
Most must be spent on "innovation" and "early intervention"; only 25% can pay for face-to-face advice.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com