Financial Advisers Addlestone

Financial Advisers Addlestone Surrey: Locating a reliable independent financial adviser in Addlestone can be an intimidating experience, in particular if you are seeking financial advice for the very first time. Whether you are looking for mortgage, pensions, investment or even insurance advice, all qualified financial advisers are bound by one simple rule; they all have to stick to the regulations of the Financial Conduct Authority. This comes with some guarantees, thus after taking advice from a FCA approved financial adviser in Addlestone, you can seek recompense from the Financial Ombudsman or the Financial Services Compensation Scheme, if if things go awry.

When choosing a financial adviser in Addlestone, a decent starting point could be friends and relations, but you must bear in mind that your situation may not be in line with theirs, and you might be in need of a different type of advice. Financial advice should be individually tailored to your unique situation, and you will discover that certain financial advisers may not be suitable for you. Choosing a financial adviser is a big decision and it is a good idea to chat to at least three different companies so as to check out the options they provide, and to find one you can trust and feel at ease with.

When it comes to picking a financial adviser in Addlestone, there are 2 principal types; independent financial advisers (IFA) and restricted advisers. The advantage of seeing an independent financial adviser is that they will not be restricted to the services and products of a single provider, and can offer a more diverse range of options. Covering the full spectrum of financial products and companies, independent financial advice must be offered in an honest and unbiased way to customers. This will enable you to choose from the broadest range of products to suit your needs. A restricted adviser may be focused on an individual product, such as a mortgage adviser, or be restricted to services and products from a particular company.

Before any financial adviser takes you on as a client, they're required by the Financial Conduct Authority to be fully transparent with you about their charges. You could be charged by the hour, a set fee or possibly even a proportion of your investment value, determined by kind of services you are looking for. You could be offered the chance of a free initial consultation to enable you to discuss your aims and see if the adviser is suitable for you and your circumstances. In some larger Addlestone firms, you could find that your account is handled by a team rather than an individual.

Before any financial advice is handed out you'll be required to fill out a confidential disclosure form, known as a "Fact Find" document, which informs the advising firm about your financial situation and objectives. You'll also be handed a Key Facts Document, or Initial Disclosure Document, which gives you information on the financial adviser, their situation for offering independent or restricted advice and their scope of permissions in the financial sector. Your legal rights should also be laid out in this document, in addition to the options you can take if you wish to make a complaint because you are not happy with the service you are given. It should outline precisely what you're committing yourself to, and any possible risks and benefits if you opt to accept the offered advice, and it has to be laid out in plain language. You'll find the level of cooling-off period in the Key Facts Document. This permits you to cancel the agreement within a specific time frame, and if any penalty charges are incurred.

The very first time you're speaking with the financial adviser you need to check what qualifications and experience they have. After all you are on the verge of entrusting your financial future to their expertise, so you shouldn't be self-conscious about asking such questions. A Level 4 qualification is the minimum certification for any financial adviser in Addlestone, and they also have to be able to present an annual Statement of Professional Standing. When you check the Financial Services Register, don't freak out if your particular financial adviser's name doesn't show up on there; you should be able to find the company name, and that means the regulations covers all of their advisers. If these cannot be presented the person can still offer financial guidance as opposed to financial advice. In terms of finance guidance is somewhat different to advice and is not regulated. Therefore there is no recourse for the client if mistakes occur.

If you're seeking advice on investing money you will be asked about the amount of risk you are prepared to take. Larger rewards might be possible with high risk investments, however you could also lose some or all of your capital. Your savings objectives will have to be considered if the best investment advice is to be given, i.e. how much you have to invest, how quickly you need access to your funds and short or long term investments. "How much money can you truly afford to lose?" Is the one crucial question that you really need to ask yourself. Generally known as your capacity for loss, this will most likely have an effect on products and services that you are offered.

If you have already got any existing mortgage loans, personal savings, regular outgoings or investments, you must let your financial adviser know about these. They'll need these details, so they can get a picture of your finances and give the appropriate advice for your needs. Diversifying your savings and investments by spreading the risk across a range of different products, is an essential part of good quality financial advice. A certified financial adviser in Addlestone will understand the best products to consider, which reflect your goals and your financial situation.

Communicating in the clearest possible way, your financial adviser will reveal the multifaceted world of finance and investment. You should be in a position to make an informed decision when you have learned about the various products and services that match your needs. You can ask your adviser only to specify ethical savings and investments. This does not just give you investment possibilities, but also enables you to support zero carbon or renewable energy projects, and keep away from businesses and companies that do not share the same values as you do.

Working together with a financial adviser in Addlestone can be tricky to fit in around your work day and other commitments. One-on-one meetings can be supplemented with video conferencing and phone calls to allow you to seek advice at a time to suit you. An experienced financial advice provider in Addlestone will have stringent measures in force to keep your details secure and confidential, even if you rarely have an in-person meeting with your adviser, because remote and home working is now so common.

COMPLAINTS

Investments can go down as easily as they can go up, since the financial world can be volatile. If it happens that your investment is not making the amount of money you were hoping for, it can be an extremely stressful and disheartening time. However, unless it is because of misleading or wrong information from your adviser a downward spiral in your investment is not a recognised basis for complaint.

As outlined in the Key Facts Document, any complaints should begin with the company's official complaints procedure. You can let the Financial Ombudsman know about the problem if it remains unsolved within the timeframe laid down by the regulating body, and the adviser is registered with the FCA.

The Financial Ombudsman will come to a decision after independently reviewing the cause for complaint. If it's found that the complaint is justified, a decision will be made on how the client can be compensated. Once agreed on by the customer, the ruling becomes legally binding, and the adviser and their company must abide by it. Any compensation laid down by the Financial Ombudsman will also take into consideration any inconvenience, annoyance, distress and hassle caused to the client during the situation.

Financial advice can be provided in Addlestone and also nearby in: West Byfleet, Meadowlands, Ockham, Thorpe Green, Cobham, Brooklands, Row Town, Byfleet, Laleham, Pyrford, Ottershaw, Wisley, Whiteley Village, New Haw, Chertsey, Lyne, Woodham, and in these postcodes KT15 1FF, KT15 1DR, KT15 1BD, KT14 7LF, KT15 1LB, KT14 6DT, KT15 1LH, KT15 1AA, KT13 8HW, KT15 1EW. Locally based Addlestone financial advisers will probably have the postcode KT15 and the phone code 01932. Checking this out will confirm that you access local financial advisers. Addlestone home and business owners will be able to benefit from these and countless other comparable services.

Surrey Financial Advice Enquiries

Recent Surrey financial advice enquiries: Mr and Mrs Bithell from Farnham recently enquired about equity release. Dorothy Jenkins and Ronald Jenkins from Smallfield, Surrey recently asked for information on life assurance. Victor Radcliffe and Ava-Mae Radcliffe from Ripley recently asked for information on equity release. Darcy and Addison Littlewood in Whyteleafe recently asked about mortgage advice. Elias Chase and Maliha Chase from Egham, Surrey recently asked about pension advice. Keeley and Teo Stanford from Lightwater recently enquired about pension advice. Edgar Power and Elsie Power from West Clandon, Surrey recently asked for information on mortgages. Trinity Mccormick and Jett Mccormick from Chilworth, Surrey recently asked for information on investment bonds. Most of these local people searched for "financial advisors Surrey" and found this page on either Bing, Yahoo or Google.

Addlestone Financial Advice Services

There is a variety of services that are provided by your local Addlestone financial advisor including portfolio management in Addlestone, pension reviews, financial planning in Addlestone, critical illness cover, cheap financial advice Addlestone, inheritance tax planning, investing an inheritance, money planning, general financial planning Addlestone, mortgage advice, pensions in divorce, corporate financial planning, life insurance advice, annuities, offshore investments, wealth management & investments in Addlestone, trusts, long term care fee advice in Addlestone, personal pensions advice, financial advice services, ethical investment advice, cashflow planning, business protection, ISA's, cash flow modelling, family income benefit, independent financial advice, will writing services, investment planning, business planning Addlestone, and more. Listed are just a few of the duties that can be carried out by local financial advisers. Addlestone professionals will tell you about their whole range of services.

The Skills to be a Financial Advisor

• Excellent customer service skills for identifying client requirements.
• To be confident in using a computer and the principal software programs.
• To be good at promoting products and services.
• Effective management skills for the negotiation of product fees.
• To have the ability to listen attentively
• To have a goal driven attitude.
• Outstanding verbal communication skills.
• To have the ability to network and establish relationships with clients.
• An excellent level of maths knowledge for building financial strategies.
• To pay attention to detail and be thorough.
• An excellent understanding and knowledge of economics and accounting associated with financial markets and products.

Financial Advisers Near Addlestone

Also find: Thorpe Green financial advisers, Laleham financial advisers, Woodham financial advisers, Byfleet financial advisers, Whiteley Village financial advisers, Cobham financial advisers, New Haw financial advisers, Row Town financial advisers, Chertsey financial advisers, Ottershaw financial advisers, Lyne financial advisers, Ockham financial advisers, Pyrford financial advisers, Meadowlands financial advisers, Wisley financial advisers, West Byfleet financial advisers, Brooklands financial advisers and more. Most of these locations are covered by local financial advisers. Addlestone residents can get financial advice quotes by going here.

Addlestone Financial Advice Services

Find Financial Advisers in Addlestone Here

• Addlestone Independent Financial Advice
• Addlestone Mortgage Advice
• Addlestone Inheritance Advice
• Addlestone Tax Advice
• Addlestone Cheap Financial Advice
• Addlestone Pension Advice
• Addlestone Cashflow Analysis
• Addlestone Wealth Management
• Addlestone Retirement Planning
• Addlestone Financial Services
• Addlestone Estate Planning
• Addlestone Investment Advice
• Addlestone Financial Advice Quotations
• Addlestone Trustee Investments

Financial Advisors Around Addlestone: Folks who live in the following roads and areas have just recently inquired about financial advice - Oakley Close, Wren Crescent, Woodlands, Station Road, The Terrace, Hamm Moor Lane, Dashwood Lang Road, Corrie Road, Crockford Close, Audley Close, Albert Road, Addlestone Park, Bourneside Road, Joinville Place, Bridge Road, Robin Close, Kay Avenue, Bourne Way, Crockford Park Road, Brighton Close, Northcote, Addlestone Road, Garfield Road, Link Road, Avenue C, Countisbury Gardens, as well as the following local Addlestone postcodes: KT15 1FF, KT15 1DR, KT15 1BD, KT14 7LF, KT15 1LB, KT14 6DT, KT15 1LH, KT15 1AA, KT13 8HW, KT15 1EW. People residing in these local areas recently requested the help of a financial adviser. Addlestone residents enjoyed the benefits of competent and top quality financial services on each occasion.

More Addlestone Services: Of course, whenever you're looking at your finances in Addlestone, Surrey, you will probably need all sorts of different services and aside from a financial adviser in Addlestone, Surrey, you may also need business financial planning in Addlestone, mortgage brokers in Addlestone, estate planning in Addlestone, debt recovery & collection in Addlestone, payroll services in Addlestone, bookkeeping in Addlestone, wills & probate in Addlestone, family lawyers in Addlestone, banruptcy lawyers in Addlestone, business consulting in Addlestone, property law & conveyancing in Addlestone, contracts lawyers in Addlestone, accounting in Addlestone, mortgage advice in Addlestone, solicitors in Addlestone, tax preparation in Addlestone, investment advisors in Addlestone, and other different Addlestone experts.

More Surrey Financial Advisers: More Surrey financial advisers: Caterham, Leatherhead, Windlesham, Molesey, Esher, Staines, Haslemere, Addlestone, Hersham, Reigate, Horley, Banstead, Farnham, Godalming, Cranleigh, Redhill, Camberley, Sunbury-on-Thames, Weybridge, Ash, Epsom, Woking, Guildford, Chertsey, Dorking, Walton-on-Thames and Ewell.

To obtain local Addlestone info look here

Independent financial advisers in KT15 area, 01932.

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