Financial Advisers Brighton

Financial Advisers Brighton East Sussex: If you're seeking financial advice for the first time, trying to locate a reliable independent financial adviser in the Brighton area can be a quite daunting experience. Nevertheless, all qualified financial advisers have one thing in common; they all have to observe the regulations laid down by the Financial Conduct Authority (FCA), regardless of whether you're after mortgage, pensions, investment or even insurance guidance. The good thing about this is that if a financial adviser who is FCA authorised gives you poor quality advice, and things go wrong, you've got guarantees, and can go to the Financial Ombudsman or the Financial Services Compensation Scheme to have it put right.

Friends and family recommendations can be a good starting point in selecting a financial adviser in Brighton, but keep in mind that their situation might be different to the kind of advice you are looking for. Not every financial adviser is suitable for everybody, and their advice should be adapted to your specific circumstances. It pays to talk with at least three different companies when you're selecting a financial adviser, as this is a big decision, and you'll be looking to find one that you can trust and feel comfortable with, and check out the various options they can provide.

When you are looking to pick a financial adviser in Brighton, there are basically two principal types; restricted advisers and independent financial advisers. The advantage of seeing an independent financial adviser is that they will not be limited to the products and services of a single provider, and can offer a wider range of options. Independent financial advice should cover the whole gamut of financial products and companies, and must be given in an impartial way. If you decide to use an independent financial adviser, you will be able to select from the broadest possible range of services, so as to find the ideal solution for you. A restricted financial adviser might be limited to services and products from a single company, or may even concentrate on one particular product, as you might find with a mortgage adviser.

The FCA requires that any Brighton financial adviser must be transparent about their charges, before accepting you as a client. You may be charged a set fee, by the hour or maybe even a specific percentage of your investment, dependant upon services you're interested in. You may be offered a free preliminary consultation to allow you to discuss your objectives and determine whether the adviser is a right fit for your circumstances. Your account may be handled by a team as opposed to a single adviser, if you opt to go with one of the larger companies in Brighton.

Before any advice is given you'll be asked to complete a confidential disclosure document, called a "Fact Find" form, which tells the advising firm about your ambitions and financial situation. An Initial Disclosure, or Key Facts Document will also be handed to you, providing information regarding the financial advisers themselves, outlining their scope of permissions in the financial sector and their situation for offering independent or restricted advice. If you're not happy with the service, and wish to submit a complaint, this document will also set down your own legal rights and the options you can take. It has to be simple to understand, written in plain English, and outline precisely what you are committing yourself to, together with the benefits and risks of going along with the advice. The Key Facts Document must also inform you about the cooling-off period. This allows you to change your mind within a certain time frame, and cancel the contract with your financial adviser.

When chatting with your financial adviser initially make sure you check their experience and qualifications. After all you are on the verge of entrusting your long-term financial wellbeing to their expertise, so you should not be self-conscious about asking these questions. Every financial adviser in Brighton must be able to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. When you check the Financial Services Register, don't stress if your adviser's name doesn't show up on there; you will probably locate the firm name, and this means that the regulations covers all of their personnel. If they are not able to supply this proof, the individual cannot offer advice but can offer financial guidance. In financial terms guidance is different to advice and isn't regulated in the same way. Therefore there is no recourse for either party if financial errors occur.

If it's investments that you are interested in, the adviser will enquire about the level of risk you might be willing and able to take with your hard-earned cash. Most investments carry some degree of risk, but high risk investments may offer bigger rewards, and also more likelihood of losing your funds. In order to get the most beneficial investment and financial advice, your savings goals must be considered, i.e. short or long term investments, how quickly you need access to your funds and how much you wish to invest. You must invariably ask yourself the one important question, how much can you truly afford to lose. This may well influence the services and products that you are offered, and is sometimes referred to as your 'capacity for loss'.

From the outset, it's imperative that you let your financial adviser know about any existing mortgage loans, regular outgoings, savings accounts or investments that you have. They will need this information, so they can get a clear picture of your financial circumstances and give the correct advice for you. Good quality financial advice should include diversifying your investments and savings by spreading the risk across a number of different products. With an understanding of the best areas to consider, a qualified financial adviser will favour products that most closely fit in with your goals and financial situation.

A financial adviser will throw open the complex world of finance, and try to converse in as much plain speech as possible. After comparing the services and products that meet your needs, you should be in a position to make an informed and calculated decision. If you are mind is firmly on the environment, you can even ask your adviser to stick to ethical investment and savings schemes. You will then be able to keep clear of investments that firms meet your criteria, but instead support those enterprises and companies that address your concerns, for example green energy or zero carbon.

Working closely with a financial adviser in Brighton can be difficult to fit in around work and other responsibilities. This can be alleviated by augmenting face-to-face meetings with video conferencing and phone calls, hence enabling you to get the advice you need at convenient times. Remote and home working is now a large part of our society, and an established financial advice provider in Brighton will have rigorous measures in place to ensure your details are kept confidential and secure, even if you hardly ever have a one-to-one meeting with your personal adviser.

COMPLAINTS

You must always bear in mind that the financial sector can be volatile, and investment values could just as easily go down as well as up. If it just so happens that your investment fails to make the amount of money you hoped for, it can be a stressful and frustrating time. Sadly, a downward spiral in your investment isn't seen as a grounds for complaint, unless it is down to misleading or wrong information from your adviser.

As laid out in the Key Facts Document, any disputes should start out with the company's official complaints procedure. If the adviser is a member of the FCA, you can tell the Financial Ombudsman about the problem if it remains unsolved within the period set by the regulating authority.

The Financial Ombudsman will come to a decision after reviewing the cause for complaint independently. A decision will be made on how to financially compensate the customer, if the complaint is upheld. On acceptance by the client, the ruling becomes a legally binding one, and the adviser and their firm must comply with it. The Ombudsman will also take into consideration any upset, inconvenience, trouble and distress caused to the customer during the process, and fix the level of compensation proportionately.

Financial advice can be provided in Brighton and also in nearby places like: Stanmer, Bevendean, Peacehaven, Patcham, Portslade, Rottingdean, Falmer, Shoreham-by-Sea, Preston, Moulescoomb, Southwick, Lancing, Saltdean, Kemp Town, Withdean, Hove, and in these postcodes BN1 1RP, BN1 2BJ, BN1, BN1 2FF, BN1 1FL, BN1 1HY, BN1 1NF, BN1 2EW, BN1 2FB, BN1 1EF. Local Brighton financial advisers will likely have the dialling code 01273 and the postcode BN1. Verifying this should confirm that you access locally based financial advisers. Brighton householders can benefit from these and lots of other comparable services.

Brighton Financial Advice Services

There are a whole host of services which are provided by your local Brighton financial advisor including pension reviews in Brighton, death benefit advice, annuities, investment advice, income protection advice in Brighton, pension plans in Brighton, offshore investment advice in Brighton, inheritance tax planning, personal pensions, personal financial planning, ISA's, corporate bonds, mortgage advice Brighton, family income benefit Brighton, saving for children, divorce planning, savings advice, portfolio management, pensions in divorce Brighton, corporate financial planning in Brighton, wealth management & investments Brighton, cashflow analysis, business protection, multi-asset portfolios, retirement advice in Brighton, equity release in Brighton, general financial planning, investment consolidation advice, critical illness cover in Brighton, stakeholder pension advice, and lots more. These are just an example of the activities that can be conducted by local financial advisers. Brighton professionals will be happy to tell you about their full range of services.

Financial Advice Enquiries East Sussex

The latest East Sussex financial advice enquiries: Reegan and Lola-Rose Taylor in Nutley recently asked about investment advice. Mikey Grey from Guestling recently asked for information on offshore investments. Aleksander and Nora Rouse in Alfriston, East Sussex recently asked for information on pensions. Kody Mcguinness in Warbleton recently asked for information on family income benefit. Stella and Matteo Ramsden from Peacehaven recently asked for information on offshore investments. Stanislaw Lucas and Lyla Lucas in Salehurst recently enquired about life assurance. Erika Sadler and Ben Sadler from Mayfield recently asked for information on mortgages. Leena Mistry in Hurst Green, East Sussex recently asked for information on life assurance. Most of these local people searched for "financial advisors East Sussex" and came across this page on Yahoo, Google or Bing.

Financial Advisers Near Brighton

Also find: Rottingdean financial advisers, Hove financial advisers, Southwick financial advisers, Saltdean financial advisers, Lancing financial advisers, Peacehaven financial advisers, Shoreham-by-Sea financial advisers, Portslade financial advisers, Bevendean financial advisers, Preston financial advisers, Withdean financial advisers, Patcham financial advisers, Stanmer financial advisers, Moulescoomb financial advisers, Falmer financial advisers, Kemp Town financial advisers and more. All these villages and towns are covered by local financial advisers. Brighton residents can get financial advice estimates by going here.

Brighton Financial Advice Services

Find Financial Advisers in Brighton Here

• Brighton Retirement Advice
• Brighton Wealth Management
• Brighton Tax Advice
• Brighton Estate Planning
• Brighton Cashflow Analysis
• Brighton Pension Advice
• Brighton Financial Services
• Brighton Inheritance Advice
• Brighton Corporate Financial Planning
• Brighton Investment Advice
• Brighton Financial Advice
• Brighton Mortgage Advice
• Brighton Trustee Investments
• Brighton Cheap Financial Advice

Financial Advisors Around Brighton: People living in the following roads and streets have just recently inquired about financial advice - Benfield Crescent, Borrow King Close, Ditchling Gardens, Clayton Hill, Briar Close, Belgrave Street, Compass Court, Dean Street, Thompson Road, St Marks Street, Drove Crescent, Bamford Close, Sullington Close, Bush Farm Drive, Surrenden Crescent, Southon Close, Dean Gardens, Barcombe Road, Chapel Road, Truleigh Drive, Charles Street, St Johns Mews, Duke Street, Twyford Road, Sydney Street, Somerset Street, Clifton Place, Brangwyn Avenue, Tenant Lain, as well as the following Brighton area postcodes: BN1 1RP, BN1 2BJ, BN1, BN1 2FF, BN1 1FL, BN1 1HY, BN1 1NF, BN1 2EW, BN1 2FB, BN1 1EF. People living in these local areas recently needed help from a financial adviser. Brighton residents received reliable and high quality financial services on every occasion.

If you need local Brighton info click here

More East Sussex Financial Advisers: More East Sussex financial advisers: Rye, Lewes, Brighton, Ringmer, Forest Row, Portslade, Hastings, Hove, Battle, Telscombe, Seaford, Hailsham, Eastbourne, Newhaven, Wadhurst, Polegate, Willingdon, Ore, Peacehaven, Westham, Crowborough, Uckfield, Bexhill-on-Sea and Heathfield.

Independent financial advisers in BN1 area, (dialling code 01273).

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