Financial Advisers Felixstowe

Financial Advisers Felixstowe Suffolk: Locating a good independent financial adviser in the Felixstowe area can be a challenging experience, especially if you're seeking financial advice for the very first time. Whether it's pensions, investments, mortgage or even insurance guidance that you're after, there's one common rule for all qualified financial advisers; they must all follow Financial Conduct Authority (FCA) regulations. Any advice given by a FCA registered financial adviser in Felixstowe comes with certain guarantees that should things go awry, you can contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Family and friends recommendations can be a good starting point in picking a financial adviser in Felixstowe, but keep in mind that their needs might be different to the type of advice you are looking for. Financial advice must be specifically tailored to your particular circumstances, and you'll find that certain financial advisers may not be appropriate for your requirements. Selecting the right financial adviser is important and it pays to speak to at least 3 different companies in order to check out the various options they can provide, and to find one you can trust and feel comfortable with.

There are two main kinds of financial adviser in Felixstowe; restricted advisers and independent financial advisers. The benefit of using an independent financial adviser is that they should not be confined to the services or products of a single company, and can offer a more extensive range of options. Independent financial advice must be given in an impartial and unbiased way and across the full spectrum of financial products and companies. This will allow you to choose from the widest possible range of products to suit your needs. A restricted adviser may be tied to products and services from a particular firm, or may even focus on a particular product, as in the case of a mortgage adviser.

Before accepting you as a client, any financial adviser in Felixstowe must be transparent about their charges, as demanded by the Financial Conduct Authority. You may be charged by the hour, a set fee or even a specific percentage of your investment value, based on kind of services you require. You will sometimes be offered a free first consultation to enable you to discuss your goals and see if the adviser is a right fit for you and your circumstances. In some of the bigger Felixstowe firms, you may find that your account is managed by a team as opposed to an individual.

To outline your financial situation and ambitions to the advising firm, you'll need to fill out a "Fact Find" document, which is a confidential disclosure form. A Key Facts Document, or Initial Disclosure Document will also be given to you, to provide information about the financial advisers themselves, detailing the scope of their permissions in the financial arena and their status to offer restricted or independent advice. This document will also lay out your own rights and the possible options you can take if you're not satisfied with the service, and need to complain. It has to be written in plain language and detail what you're signing up for, and any possible benefits and risks should you opt to go along with the advice offered. You can find the level of cooling-off period in this document. This enables you to change your mind within a specific time period, and cancel the agreement with your financial adviser.

The very first time you're speaking to your financial adviser you'll want to check what experience and qualifications they've got. You should never be self-conscious about asking such questions, after all you are just about to entrust your financial future to their skill. A Level 4 qualification is the minimum qualification for any Felixstowe financial adviser, and they must also be in a position to show an annual Statement of Professional Standing. When you check the Financial Services Register, you don't need to panic if your particular adviser's name does not appear on there; you will probably find the firm name, and that means the legislation covers all of their staff. If they are unable to supply these accreditations, the person cannot offer advice but can offer financial guidance. In terms of finance guidance differs to advice and isn't regulated in the same way. Therefore there isn't any recourse for either party if errors are made.

You'll be asked the amount of risk you are willing to take on, if you are seeking advice on investing money. High risk investments could potentially offer bigger rewards, however all or some of your cash could be lost. Decent financial and investment advice should take you savings objectives into consideration, i.e. long or short term investments, how much you have to invest and how quickly you need to access your money. "How much can you truly afford to lose?" Is the one question that you should really be asking yourself. This might affect the services and products that you are offered, and is generally known as your 'capacity for loss'.

You must tell your financial adviser about any existing investments, mortgages, savings or regular outgoings. To make certain that you get the most appropriate advice for you, they need to have a full and clear picture of your financial situation. Good quality financial advice should allow for diversifying your savings and investments by spreading the risk across a number of different products. Having an understanding of the best areas to consider, an experienced financial adviser will focus attention on products that match your goals and financial circumstances.

Communicating in in the simplest terms possible, your financial adviser will reveal the multifaceted world of finance and investment. You should be in a position to come to an informed decision when you have learned about the various services and products which meet your needs. If environmental issues are at the forefront of your mind, you could even ask that ethical savings and investments take precedence. This doesn't just give you investment possibilities, but also enables you to support green energy or zero carbon projects, and steer clear of companies that don't share the same values that you do.

It is not that easy to work closely with a financial adviser in Felixstowe without this impacting your work life and other obligations. This can be alleviated by augmenting face-to-face meetings with video conferencing and telephone, hence allowing you to seek the guidance you need at a convenient time. Even if you hardly ever have an in-person meeting with your personal adviser, an experienced financial advice provider in Felixstowe will have stringent measures in force to ensure your details are kept secure and confidential, because home and remote working is now commonplace.

COMPLAINTS

Investments can be a volatile area, and values can go down as well as up. If it just so happens that your investment isn't making as much money as you hoped for, it can be a very disheartening and stressful time. Sadly, your investment having a downward trend isn't a recognised basis for complaint, unless it's because of wrong or misleading information from your adviser.

The company's official complaints procedure should be the place to start with any disputes, and the Key Facts Document should clarify this. You can tell the Financial Ombudsman about the situation if it remains unsolved within the timeframe stipulated by the regulating body, and your adviser is registered with the Financial Conduct Authority.

The Financial Ombudsman will independently review the cause of the complaint and come to a decision. If it's found that the complaint is justified, a decision will be made on how the customer can be financially compensated. Once the ruling is accepted by the client it becomes a legally binding decision that the financial adviser and their firm, must comply with. The Ombudsman will also take into account any distress, annoyance, hassle and inconvenience caused to the customer during the situation, and establish the level of compensation accordingly.

Financial advice can be provided in Felixstowe and also in nearby places like: Bucklesham, Shotley, Kirton, Alderton, Trimley Saint Mary, Brightwell, Warren Heath, Walton, Nacton, Old Felixstowe, Harwich, Newbourne, Trimley St Martin, Chelmondiston, Trimley, Levington, and in these postcodes IP11 2LW, IP11 2AS, IP11 2EP, IP11 2AA, IP11 2DY, IP11 2AP, IP11 2FH, IP11 2HT, IP11 2JT, IP11 2GH. Local Felixstowe financial advisers will probably have the postcode IP11 and the phone code 01394. Checking this out can guarantee you are accessing local financial advisers. Felixstowe property owners can utilise these and many other similar services. Simply click on the "enquiry" banner to get details about financial advisers in your area.

Felixstowe Financial Advice Services

There are a number of different services which are provided by your local Felixstowe financial advisor including general financial planning in Felixstowe, investment consolidation, financial advice services in Felixstowe, equity release advice, business protection in Felixstowe, pension planning, independent financial advice in Felixstowe, portfolio management, familt controlled trusts, stakeholder pensions Felixstowe, will writing services Felixstowe, saving for children, trustee investment services, corporate bonds in Felixstowe, life assurance in Felixstowe, multi-asset portfolios, personal pensions in Felixstowe, annuities Felixstowe, business financial planning, cashflow analysis Felixstowe, personal protection, savings advice, pension reviews, corporate financial planning, ISA's, ethical investments, annuity purchases in Felixstowe, investment bonds, bridging finance in Felixstowe, pension consolidation advice, and more. Listed are just some of the duties that can be accomplished by local financial advisers. Felixstowe professionals will tell you about their whole range of financial services.

Financial Advisers Suffolk

In the Suffolk area you can also get: Woodbridge investment advisers, Sudbury investment advice, Bildeston financial advisers, Barrow financial advisers, Great Waldingfield financial advisers, Holton financial advice, Fornham All Saints financial advisers, Old Newton financial advice, Trimley St Mary financial advisors, Stradbroke financial advisors, Shotley Gate investment advisers, Barham investment advice, Trimley St Martin investment advisers, Pinewood financial advisers, Barrow financial advice, Risby financial advisers, Claydon financial advice, Newmarket investment advice, Ufford financial advice, Barham investment advice, Exning financial advisors, Hoxne financial advisers, Melton financial advisors, Risby investment advice, Leavenheath financial advisers, Rougham investment advice, Washbrook financial advisors, Reydon financial advice, Carlton investment advice, Carlton Colville investment advisers.

Financial Advisers Near Felixstowe

Also find: Trimley financial advisers, Shotley financial advisers, Alderton financial advisers, Bucklesham financial advisers, Harwich financial advisers, Kirton financial advisers, Trimley Saint Mary financial advisers, Walton financial advisers, Warren Heath financial advisers, Nacton financial advisers, Trimley St Martin financial advisers, Brightwell financial advisers, Levington financial advisers, Old Felixstowe financial advisers, Newbourne financial advisers, Chelmondiston financial advisers and more. Most of these locations are serviced by local financial advisers. Felixstowe residents can get price quotes by clicking here.

Felixstowe Financial Advice Services

Find Financial Advisers in Felixstowe Here

• Felixstowe Independent Financial Advice
• Felixstowe Corporate Financial Advice
• Felixstowe Wealth Management
• Felixstowe Cheap Financial Advice
• Felixstowe Retirement Advice
• Felixstowe Inheritance Advice
• Felixstowe Life Insurance Advice
• Felixstowe Pension Advice
• Felixstowe Cashflow Analysis
• Felixstowe Financial Advice Quotations
• Felixstowe Investment Advice
• Felixstowe Trustee Investments
• Felixstowe Mortgage Advice
• Felixstowe Estate Planning

Financial Advisors Around Felixstowe: Some Felixstowe streets where financial advice has recently been given - Brick Kiln Cottages, Cordys Lane, Tarn Hows Close, Back Lane, Chevalier Road, Stuart Close, St Georges Terrace, Coniston Close, Brackley Close, Sunray Avenue, The Downs, The Avenue, Buregate Road, Sunningdale Drive, Sandy Close, Tyndale Gardens, South Hill, Brinkley Way, Drovers Court, Brownlow Road, Cliff Road, St Martins Green, Stanley Road, Beach Road West, Church Lane, Darsham Close, Conway Close, as well as the following local Felixstowe postcodes: IP11 2LW, IP11 2AS, IP11 2EP, IP11 2AA, IP11 2DY, IP11 2AP, IP11 2FH, IP11 2HT, IP11 2JT, IP11 2GH. People living in these areas recently needed help from a financial adviser. Felixstowe residents were given competent and high quality financial services on each occasion.

More Suffolk Financial Advisers: More Suffolk financial advisers: Haverhill, Stowmarket, Bury St Edmunds, Sudbury, Ipswich, Beccles, Felixstowe, Newmarket, Mildenhall and Lowestoft.

To find local information on Felixstowe, Suffolk go here

Independent financial advisers in IP11 area, and dialling code 01394.

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