If anyone at InterCom Financial Advisers would have anticipated, or ev

(A) If anyone at InterCom Financial Advisers would have anticipated

The outcome present in the non-underlined portion uses "would have" + verb. So the verb tense for IF clause should be past perfect INCORRECT

(B) Had anyone at InterCom Financial Advisers anticipated

Use of "had" just by itself without a verb indicates simple past tense. Simple past tense in conditional clause is INCORRECT for the same reason specified in option A

(C) If any people at InterCom Financial Advisers would have anticipated

Same error as in option A INCORRECT

(D) If any people at InterCom Financial Advisers had anticipated

Uses the correct past perfect verb tense in the IF clause.

(E) If anybody at InterCom Financial Advisers anticipated

Use of simple past in IF clause is wrong for the same reason as in other options. INCORRECT

Hence option D