Financial Advisers Chertsey

Financial Advisers Chertsey Surrey: If you're seeking financial advice for the very first time, trying to find a reliable independent financial adviser in the Chertsey area can be a quite daunting experience. Whether it is pensions, mortgage, investments or even insurance advice that you're looking for, there is one common rule for all qualified financial advisers; they must all stick to FCA (Financial Conduct Authority) regulations. Any advice given by a FCA registered financial adviser in Chertsey comes with certain guarantees that should things go awry, you've got access to the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Recommendations from friends and family can be a good starting point in picking a financial adviser in Chertsey, but remember that their situation might be different to the kind of advice you're looking for. Financial advice should be specifically tailored to your unique situation, and you'll find that certain financial advisers may not be appropriate for your requirements. It is a good idea to talk with at least 3 different firms when you're selecting a financial adviser, as this is a big decision, and you need to find one that you feel comfortable with and can trust, and explore the options they offer.

When it comes to picking a financial adviser in Chertsey, there are basically two main types; restricted advisers and independent financial advisers (IFA). The benefit of using an independent financial adviser is that they should not be confined to the products or services of a single company, and can offer a broader range of options. Independent financial advice must encompass the whole spectrum of financial companies and products, and must be offered in an unbiased way. This will enable you to pick from the broadest range of services to match your needs. A restricted adviser may be tied to services and products from a particular firm, or may even focus on a specific product, as in the case of a mortgage adviser.

The FCA requires that any financial adviser in Chertsey must be fully transparent with you about their charges, before accepting you as a client. You might be charged a set fee, by the hour or possibly even a proportion of your investment value, based upon type of service you are looking for. To discuss your aims and determine whether the adviser is the correct fit for you and your situation, a free initial consultation may be offered. In some larger Chertsey companies, you may find that your account is being handled by a team rather than an individual adviser.

Before any actual financial advice is handed out you'll be required to fill in a confidential disclosure document, called a "Fact Find" form, which tells the advising firm about your aims and financial situation. To provide information about the financial adviser, their status to offer restricted or independent advice and their range of permissions in the financial sector, you will also be given an Initial Disclosure Document, or Key Facts Document. This document should also lay out your rights and the possible options you can take if you're not happy with the service provided, and wish to complain. It must be typed out in plain English and outline what you're signing up for, and any possible benefits and risks that exist if you elect to go along with the advice offered. The allowed cooling-off period should also be spelled out in this document. Within a certain period of time, this allows you to cancel the agreement.

Ensure that you check what qualifications and experience the financial adviser has when you first speak with them. Asking such questions should never be a cause for embarrassment, because you're entrusting them with your financial wellbeing. All Chertsey financial advisers must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. When you check the Financial Services Register, you shouldn't freak out if your financial adviser's name doesn't show up on there; you ought to be able to locate the firm name, and that means the regulations covers all of their staff. If these can't be provided the person may still offer financial guidance instead of advice. Guidance is not subject to regulations in the same way as financial advice, which means that if mistakes occur the client won't have any recourse.

You'll be asked about the amount of risk you're willing to take on, if you are seeking advice on investments. Substantial rewards may be possible with high risk investments, however you stand a greater chance of losing all or some of your funds. Your savings objectives must be considered if good investment advice is to be given, i.e. how much you have to invest, long or short term investments and how quickly you need access to your funds. One question you should ask yourself, which is usually ignored, is how much money you can afford to lose. Generally referred to as your 'capacity for loss', this will very likely influence the products and services that you are offered.

Right from the start, it's important to tell your financial adviser about any existing personal savings, regular outgoings, investments or mortgage loans that you have. This should give a clear picture of your financial situation, without which the advice you are given will most likely not be the most appropriate for you. The diversification of your investments and savings by spreading the risk load across various products, is an essential part of reliable financial advice. Having a knowledge of the best areas to consider, a competent financial adviser will favour products that fit in with your financial situation and goals.

A financial adviser will unmask the multifaceted world of finance, and try to communicate in the clearest possible way. You should be in a position to come to an informed and considered decision when you have compared the various products and services that match your needs. If you're mind is firmly on the environment, you can ask your financial adviser to stick to ethical investment and savings schemes. This will allow you to lend support to enterprises and companies which match your concerns, i.e. zero carbon or renewable energy, or perhaps steering clear of companies that don't meet your criteria.

It's not always easy to have a close working relationship with a financial adviser in Chertsey without this impacting your work and other responsibilities. One-on-one meetings can be backed up with video conferencing and telephone calls to enable you to seek advice at times that suit you. Remote and home working is now a large part of our society, and any experienced financial advice company in Chertsey will have rigorous measures in force to keep your details confidential and secure, even if you hardly ever have a one-on-one meeting with your personal adviser.

COMPLAINTS

Investments can easily go down as well as up, because the financial world can be unpredictable. It can be extremely worrying and demoralising if your investment is not making the amount of money you were hoping for. However, unless it is owing to misleading or wrong information from your financial adviser, your investment having a downward trend isn't seen as a cause for complaint.

As outlined in the Key Facts Document, any grievances should start out with the company's official complaints procedure. If the problem remains unsolved within the time schedule set by the regulating body, and your financial adviser is registered with the Financial Conduct Authority, you can advise the Financial Ombudsman.

The Financial Ombudsman will look into the cause of the complaint and make a ruling. If the complaint is upheld, a decision is made on how to rectify the situation or financially compensate the client. Once the decision has been accepted by the customer it becomes a legally binding decision that the adviser and their company, must abide by. Any distress, annoyance, inconvenience and hassle caused to the client during the process, will be accounted for when the Ombudsman fixes the level of compensation.

Financial advice can be provided in Chertsey and also in nearby places like: Woodham, Brooklands, Thorpe, New Haw, St Georges Hill, Weybridge, Sunningdale, Shepperton, Lyne, Longcross, Addlestone, Castle End, West Byfleet, Virginia Water, Leleham, together with these postcodes KT16 6DZ, KT16 6BW, KT16 8FD, KT16 8JF, KT15 2ER, KT16 8BN, KT16 8HN, KT16 6DT, KT16 6EN, KT16 8EQ. Local Chertsey financial advisers will likely have the postcode KT16 and the dialling code 01932. Verifying this can guarantee you're accessing locally based financial advisers. Chertsey householders can benefit from these and many other comparable services.

The Day to Day Duties of a Financial Advisor

• Working together with peers to collect statistics, market information and trends.
• Maintaining detailed records of customers and transactions.
• Keeping fully up to date with new financial products and law changes.
• Speaking with customers about their plans and finances.
• Providing education, consultation and counselling with regards to finances and investments.
• Negotiating with financial product providers.
• Producing financial reports.
• Meeting targets for performance and sales.
• Recommending the best-suited financial products to clients.
• Updating clients about their investments.

Surrey Financial Advisers

In the Surrey area you will also discover: Long Ditton financial advisors, Fetcham financial advisers, Langley Vale investment advice, Lightwater financial advisors, Horley financial advisers, South Earlswood financial advisors, Caterham investment advisers, Byfleet financial advisors, Chilworth investment advisers, Woodhatch financial advisors, Alfold financial advisers, Bellfields investment advisers, Horne investment advice, Deepcut investment advisers, Oxted financial advice, Reigate financial advisors, Oxted financial advice, Witley financial advisers, Bramley financial advice, Ewhurst investment advice, Virginia Water financial advisors, Ottershaw financial advisers, Farnham financial advisers, Long Ditton investment advisers, Hersham financial advisers, Bisley financial advice, Newdigate financial advisors, Caterham on the Hill investment advice, Virginia Water investment advisers, Capel financial advisors.

Chertsey Financial Advice Services

There are a number of different services which are provided by your local Chertsey financial advisor including divorce planning in Chertsey, personal pensions, will writing services, cash flow modelling, cashflow planning in Chertsey, pension drawdowns Chertsey, corporate bonds, investment consolidation, multi-asset portfolios, annuities, income protection, financial advice services Chertsey, investing an inheritance, equity release advice Chertsey, inheritance tax planning Chertsey, personal financial planning, portfolio management, familt controlled trusts Chertsey, ISA's, unit trusts, wealth management & investments, independent financial advice, trustee investment services in Chertsey, corporate financial planning, saving for children, business protection, business planning, savings advice, pension reviews, financial planning in Chertsey, and more. Listed are just an example of the activities that can be carried out by local financial advisers. Chertsey professionals will let you know their full range of financial services.

Financial Advisers Near Chertsey

Also find: Castle End financial advisers, Longcross financial advisers, Thorpe financial advisers, St Georges Hill financial advisers, West Byfleet financial advisers, Lyne financial advisers, Leleham financial advisers, Virginia Water financial advisers, Brooklands financial advisers, Woodham financial advisers, Sunningdale financial advisers, Shepperton financial advisers, New Haw financial advisers, Weybridge financial advisers, Addlestone financial advisers and more. The majority of these areas are catered for by local financial advisers. Chertsey residents can get financial advice quotations by going here.

Chertsey Financial Advice Services

Find Financial Advisers in Chertsey Here

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Financial Advisors Around Chertsey: Some Chertsey streets where financial advice has recently been given - Weir Road, Springfields Close, King Street, Gordon Close, The Knoll, Chantry Road, Guildford Street, Heriot Road, Bramley Close, Elm Tree Close, Victory Road, Pound Road, Fairfields, Weymead Close, Station Road, Pretoria Road, Stepgates, Thames Close, London Street, Laburnum Road, Marina Close, Green Lane, Fordwater Road, Abbey Road, Eastworth Road, Knoll Park Road, as well as the following local Chertsey postcodes: KT16 6DZ, KT16 6BW, KT16 8FD, KT16 8JF, KT15 2ER, KT16 8BN, KT16 8HN, KT16 6DT, KT16 6EN, KT16 8EQ. People residing in these local areas recently required the help of a financial adviser. Chertsey residents were given reliable and high quality financial services on every occasion.

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

To find out local Chertsey information go here

Independent financial advisers in KT16 area, 01932.

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