In the past few TMR Outlooks, we have seen a greater adoption of instant modes of commu- nication between advisors and clients. It is clear that advisors are making every effort to be available to clients across a variety of platforms, whether it’s email, text messaging, or even in-person meetings. MODES OF COMMUNICATION USED BY ADVISORS 69% 51% 42% 84% 68% 34% 63% 87% 87% 92% 93% 94% Video call In person Messaging apps Emails Phone call Text messaging Client side Supplier side TRENDS IN OCEAN CRUISE CHART 11 | 21