Financial Advisers Epsom

Financial Advisers Epsom Surrey: If you're in search of financial advice for the very first time, trying to locate a first-rate independent financial adviser in Epsom can be a challenging experience. Whether it is investments, pensions, mortgage or even insurance advice that you are looking for, there is one common rule for all professional financial advisers; they must all stick to Financial Conduct Authority (FCA) regulations. The advantage of this is that should a financial adviser who is FCA authorised give you bad advice, and things go wrong, you have guarantees, and can contact the Financial Ombudsman or the Financial Services Compensation Scheme to get it put right.

Friends and family recommendations can be a good starting point in choosing a financial adviser in Epsom, but remember that their circumstances may be different to the sort of advice you're looking for. Any advice they offer should be personalised to your particular situation, and every financial adviser isn't suitable for everybody. To investigate the options they can provide and find a financial adviser that you feel comfortable with and can trust, it pays to speak with at least 3 different firms, because choosing a financial adviser is a major decision.

Independent financial advisers (IFA) and restricted advisers, are the two principal types of financial adviser in Epsom. Offering a more diverse range of options, an independent financial adviser won't be confined to a single provider's services and products. Encompassing the full spectrum of financial companies and products, independent financial advice must be given in a frank and unbiased way to customers. Using an IFA should allow you to select from the widest possible range of products. If you go to a restricted adviser you'll soon realise that they could be restricted to services and products of a single firm, or as in the case of a mortgage adviser, may only be concerned with one solitary product.

Before taking you on as a client, any financial adviser must tell you about their charges, as set out by the Financial Conduct Authority. Based upon the type of service you're looking for, you could be charged a set fee, by the hour or possibly even a slice of your investment. To discuss your goals and find out if the adviser is suitable for your situation, a free initial consultation may be offered. If you go to one of the bigger Epsom firms, your account might be handled by a team of advisers rather than one person.

Before any financial advice is given you'll be asked to fill out a confidential disclosure document, known as a "Fact Find" form, which informs the advising company about your financial situation and aims. You will also be handed a Key Facts or Initial Disclosure Document, which provides you with details of the financial adviser, their status to offer restricted or independent advice and the extent of their permissions in the financial market. If you aren't happy with the service provided, and wish to complain, this document will also lay out your legal rights and your options. It should be typed out in plain English and detail what you are committing yourself to, and any possible risks and benefits if you elect to accept the advice offered. You will find the amount of cooling-off period in this document. This allows you to change your mind within a specific number of days, and cancel your agreement with the financial adviser.

The first time you're speaking with your financial adviser ensure that you check what experience and qualifications they have. Asking such questions shouldn't be a cause for embarrassment, because after all you are entrusting them with your long-term financial wellbeing. A Level 4 qualification in financial advice is the minimum qualification for any financial adviser in Epsom, and they must also be in a position to present you with an annual Statement of Professional Standing. When checking the Financial Services Register, you shouldn't freak out if your specific financial adviser's name doesn't appear on there; you ought to be able to find the firm name, and this means that the legislation covers all of their employees. If they're not able to present this proof, the individual cannot offer advice but can offer financial guidance. In financial terms guidance is somewhat different to advice and is not regulated. Therefore there isn't any recourse for the client if financial blunders arise.

If it is investing money that you are interested in, the adviser will want to know the amount of risk you might be prepared to take on with your hard-earned cash. High risk investments may potentially offer bigger rewards, but some or all of your capital could be lost. Good financial and investment advice will take you savings objectives into consideration, i.e. long or short term investments, how much you have to invest and how quickly you need access to your funds. The one question that you should ask yourself, which is frequently ignored, is how much you can afford to lose. Referred to as your capacity for loss, this will very likely influence the products and services that you're offered.

You will need to tell your financial adviser about any existing regular outgoings, savings accounts, mortgage loans or investments. They will need these details, so they can get a picture of your financial circumstances and give the best advice for your needs. The diversification of your savings and investments by spreading the risk load across various different products, is an important part of good quality financial advice. So as to match your financial circumstances and goals, a professional financial adviser in Epsom will have the knowledge of the best areas to consider.

Your financial adviser will attempt to communicate in as much plain speech as possible, while throwing open the multifaceted world of finance. This will help you to compare products and services which meet your needs, and come to an informed decision. If you are environmentally minded, you could even ask your financial adviser to stick to ethical investments and savings. This does not just give you investment possibilities, but also allows you to support green energy or zero carbon projects, and stay away from companies and businesses that don't share the same values.

It isn't that easy to have a close working relationship with a financial adviser in Epsom without this impacting on your work day and other obligations. One-on-one meetings can be complemented with telephone calls and video conferencing to allow you to get advice at times that suit you. Working from home and remote working is now a large part of our society, and a competent financial advice company in Epsom will have stringent measures in place to ensure your details are kept confidential and secure, even if you hardly ever have a one-on-one meeting with your adviser.

COMPLAINTS

Investments can be a volatile area, and their values could go down as easily as they go up. If it just so happens that your investment isn't making the amount of money you hoped for, it can be a very disheartening and stressful time. However, except if it's owing to wrong or misleading information from your adviser your investment having a downward trend isn't a recognised cause for complaint.

The company's complaints procedure should be the best place to start with any grievances, and the Key Facts Document will explain this. If the issue remains unsolved within the timeframe set out by the regulating authority, and the financial adviser is registered with the Financial Conduct Authority, you can contact the Financial Ombudsman.

The Financial Ombudsman will independently review the cause of the complaint and come to a decision. If it's established that the complaint is legitimate, a decision will be made on how the client can be compensated. On acceptance by the customer, the decision becomes a legally binding one, and the adviser and their company must abide by it. The Financial Ombudsman will also take into consideration any distress, upset, inconvenience and hassle caused to the customer during the situation, and fix the level of compensation proportionately.

Financial advice can be provided in Epsom and also in nearby places like: Nork, Ashtead, Belmont, Tattenham Corner, West Ewell, Oxshott, Langley Vale, Leatherhead, Sutton, East Ewell, Burgh Heath, Cheam, Carshalton, Chessington, Banstead, Worcester Park, Esher, and in these postcodes KT17 1NA, KT17 1FA, KT17 2AY, KT17 2BY, KT17, KT17 1NR, KT17 1HX, FT19 8FJ, KT17 1HD, KT17 1EA. Locally based Epsom financial advisers will likely have the telephone code 01372 and the postcode KT17. Checking this out can ensure that you access local financial advisers. Epsom householders can benefit from these and lots of other comparable services. Click the "enquiry" banner to get details about financial advisers in your location.

The Daily Duties of a Financial Advisor

• Financial advisors update customers regarding their investments.
• Financial advisors provide counselling, consultation and education with regards to finances and investments.
• Financial advisors produce detailed financial reports.
• Financial advisors chat with customers regarding their plans and finances.
• Financial advisors work together with associates to gather market information, trends and statistics.
• Financial advisors research financial products and explain them clearly and simply to their customers.
• Financial advisors keep a record of clients and transactions.
• Financial advisors keep fully up to date with law changes and new financial products.
• Financial advisors thrash out advantageous deals with with providers of financial products.
• Financial advisors meet performance and sales targets.

Epsom Financial Advice Services

There is a wide range of services that are provided by your local Epsom financial advisor including investment consolidation, financial analyst services Epsom, pension reviews Epsom, critical illness cover in Epsom, mutual funds, life assurance, divorce planning in Epsom, stakeholder pension advice, personal financial planning, annuity purchase, life insurance, bridging finance in Epsom, equity release advice, long term care fee planning, trustee investment services, familt controlled trusts, financial planning, investment bonds, money planning, bereavement benefit advice, wealth management in Epsom, pension drawdowns, pension consolidation advice Epsom, offshore investments Epsom, inheritance tax planning, savings advice, pension transfer advice in Epsom, personal protection, income protection, retirement plans in Epsom, and more. Listed are just some of the duties that can be performed by local financial advisers. Epsom professionals will be happy to tell you about their whole range of financial services.

Financial Advisers Near Epsom

Also find: Chessington financial advisers, Banstead financial advisers, Tattenham Corner financial advisers, West Ewell financial advisers, Worcester Park financial advisers, Ashtead financial advisers, Langley Vale financial advisers, Belmont financial advisers, East Ewell financial advisers, Leatherhead financial advisers, Nork financial advisers, Sutton financial advisers, Oxshott financial advisers, Cheam financial advisers, Burgh Heath financial advisers, Esher financial advisers, Carshalton financial advisers and more. All these villages and towns are covered by local financial advisers. Epsom residents can get financial advice price quotes by clicking here.

Epsom Financial Advice Services

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Financial Advisors Around Epsom: In The Quadrant, Delaporte Close, Carlton Dene, Sunnymede Avenue, Tintagel Close, Cedar Close, Curvan Close, Squirrels Way, Tabarin Way, Tomlin Close, Colman Close, Seymour Mews, The Mount, Chesterfield Road, Clay Lane, Derek Avenue, Stane Way, Court Farm Avenue, Chanton Drive, Beech Way, St Marks Road, Crane Court, Bridle Road, St Theresa Close, Sunnybank, St James Close, Church Close, as well as the following local Epsom postcodes: KT17 1NA, KT17 1FA, KT17 2AY, KT17 2BY, KT17, KT17 1NR, KT17 1HX, FT19 8FJ, KT17 1HD, KT17 1EA, folks have just recently needed financial advice. People living in these areas recently required help from a financial adviser. Epsom residents received competent and top quality financial services on each occasion.

More Epsom Services: Naturally, whenever you're looking at your finances in Epsom, Surrey, you'll probably need all kinds of different services and along with a financial adviser in Epsom, Surrey, you could also need family lawyers in Epsom, investment advisors in Epsom, solicitors in Epsom, mortgage brokers in Epsom, estate planning in Epsom, business consulting in Epsom, accounting in Epsom, wills in Epsom, mortgage advice in Epsom, tax preparation in Epsom, bookkeeping in Epsom, property law & conveyancing in Epsom, payroll services in Epsom, contracts lawyers in Epsom, debt recovery & collection in Epsom, business financial planning in Epsom, banruptcy lawyers in Epsom, and other different Epsom experts.

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

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Independent financial advisers in KT17 area, (dialling code 01372).

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