Financial Advisers Godalming

Financial Advisers Godalming Surrey: If you're in search of financial advice for the first time, trying to find a good independent financial adviser in Godalming can be a quite daunting experience. Whether it's investment, mortgage, pension or even insurance guidance that you are after, there is one common rule for all financial advisers; they must all abide by Financial Conduct Authority regulations. The advantage of this is that should a financial adviser who is FCA certified give you bad advice, and anything goes awry, you've got guarantees, and can go to the Financial Services Compensation Scheme or the Financial Ombudsman to get things put right.

A good starting place in choosing a financial adviser in Godalming can be relatives and friends, but keep in mind that the sort of advice you're looking for may be somewhat different to theirs. Financial advice must be individually tailored to your unique situation, and you will find that certain financial advisers may not be suitable for your requirements. To investigate the various options that they can provide and find a financial adviser that you can trust and feel at ease with, it is a good idea to chat to at least three different firms, because after all picking a financial adviser is an important decision.

Independent financial advisers (IFA) and restricted advisers, are the two principal kinds of financial adviser in Godalming. The advantage of using an independent financial adviser is that they should not be confined to the services or products of just one company, and can offer a more extensive range of options. Independent financial advice must be provided in an impartial way and across the full spectrum of financial companies and products. This will permit you to choose from the widest possible range of products to suit your needs. If you use a restricted adviser you'll soon realise that they may be limited to services and products of one particular company, or as in the case of a mortgage adviser, may only be focused on one product.

Before accepting you as a client, any Godalming financial adviser must tell you about their charges, as set out by the Financial Conduct Authority. You could be charged a set fee, by the hour or perhaps even a proportion of your investment, depending on services you are interested in. A free preliminary consultation could be offered, so you can discuss your aims and situation to see if the adviser is the right fit. Your account might be handled by a team as opposed to a single adviser, if you opt to go to one of the larger Godalming firms.

Before any advice is handed out you will need to fill out a confidential disclosure document, called a "Fact Find" form, which tells the advising firm about your financial situation and desired goals. You will also be handed an Initial Disclosure Document, or Key Facts Document, which provides you with information regarding the financial adviser, their situation for offering restricted or independent advice and the scope of their permissions in the financial sector. If you're not satisfied with the service provided, and wish to submit a complaint, this document will also set down your own rights and your options. It must be typed out in plain English and detail what you're committing yourself to, and any possible risks and benefits that exist should you decide to take the offered advice. The level of cooling-off period should also be explained in this Key Facts Document. Within a specific time period, this makes it possible for you to cancel the contract.

When speaking to the financial adviser initially you need to check their experience and qualifications. After all you're about to entrust your long-term financial wellbeing to their skill, so you should not be self-conscious about asking these questions. All Godalming financial advisers must hold at least a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. When checking the Financial Services Register, don't freak out if your adviser's name doesn't show up on there; you ought to be able to locate the company name, and this means that the legislation covers all of their advisers. The person may still offer financial guidance rather than advice, if these can't be presented. In financial terms guidance is somewhat different to advice and isn't regulated. Therefore there is no recourse for either party if financial errors are made.

You'll be asked about the amount of risk you are prepared to take on, if you are seeking advice on investments. High risk investments may potentially offer larger rewards, but some or all of your capital could be lost. Your savings objectives must be considered if good financial and investment advice is to be given, i.e. how quickly you need access to your money, short or long term investments and how much cash you want to invest. "How much can you afford to lose?" Is the one question that you really need to ask yourself. This could influence the services and products that could be offered for your consideration, and is known as your 'capacity for loss'.

If you already have any existing investments, mortgage loans, personal savings or regular outgoings, you should let your financial adviser know about these. This should give a clear picture of your financial situation, and without this the advice you get may not be the most appropriate for you. Diversifying your investments and savings by spreading the risk across different products, is a crucial part of sound financial advice. In order to match your financial situation and goals, a competent financial adviser in Godalming will understand the best areas to consider.

A financial adviser will open up the multifaceted world of finance, and converse in the clearest possible way. This will permit you to compare products and services which meet your needs, and make an informed decision. You could even ask your financial adviser only to choose ethical investment and savings schemes. You will then be able to stay clear of corporations that investments meet your requirements, and instead support those firms and enterprises that address your concerns, for example renewable energy or zero carbon.

It may prove hard to manage your work life and other obligations around working closely with your financial adviser in Godalming. This can be alleviated by augmenting face-to-face appointments with telephone and video conferencing, therefore allowing you to seek the guidance you need at a convenient time. An established financial advice firm in Godalming will have rigorous measures in force to keep your details secure and confidential, even if you never have a one-on-one meeting with your adviser, because remote and home working is now so common.

COMPLAINTS

You have to keep in mind that the financial sector can be a volatile one, and the value of your investments can just as easily drop as well as rise. If it just so happens that your investment fails to make as much money as you hoped for, it can be a demoralising and worrying time. A downward spiraling of your investment is not a recognised grounds for complaint, unless your financial adviser has given you misleading or wrong information.

As detailed in the Key Facts Document, any complaints should start with the firm's complaints procedure. You can tell the Financial Ombudsman about the situation if it remains unsolved within the time set by the regulating authority, and the adviser is a member of the FCA.

The Financial Ombudsman will come to a decision after reviewing the cause of the complaint independently. A decision is made on how to rectify the situation or financially compensate the client, if the complaint is justified. The adviser and their firm must abide by any decision that is made by the Ombudsman, which becomes legally binding once the client has accepted it. Any compensation fixed by the Ombudsman will also take into account any hassle, distress, upset and inconvenience caused to the client during the situation.

Financial advice can be provided in Godalming and also nearby in: Catteshall, Brook, Witley, Milford, Hambledon, Hurtmore, Farncombe, Charterhouse, Puttenham, Wanborough, Peper Harlow, Compton, Shackleford, Busbridge, Wormley, Chiddingfold, as well as in these postcodes GU7 1BZ, GU7 1LZ, GU7 1JS, GU7 1LG, GU7 1NL, GU7 1FF, GU7 1DN, GU7 1GF, GU7 1FA, GU7 1DS. Local Godalming financial advisers will probably have the postcode GU7 and the dialling code 01483. Checking this out can make certain that you access local financial advisers. Godalming householders are able to utilise these and various other finance related services.

Surrey Financial Advisers

In the Surrey area you will additionally discover: Ripley financial advisors, Shere investment advisers, Leigh investment advisers, Leigh financial advisors, Netherne on the Hill financial advisers, Lingfield financial advisors, Earlswood financial advisers, Oxted financial advice, Churt investment advice, Warlingham financial advisors, Shere financial advice, Brookwood financial advice, Effingham financial advice, Reigate financial advisers, South Godstone financial advice, Windlesham investment advice, Normandy investment advice, Limpsfield financial advice, Leigh financial advisers, Lingfield investment advice, Compton financial advice, Hooley financial advisers, Chilworth financial advisers, Deepcut financial advisers, Wonersh financial advisers, Dunsfold financial advice, Caterham on the Hill financial advisors, Horley financial advisers, Shepperton investment advice, Englefield Green investment advisers.

Godalming Financial Advice Services

There is a wide range of services which are provided by your local Godalming financial advisor including unit trusts, annuities, general financial planning Godalming, personal protection in Godalming, trustee investment services, long term care fee planning, offshore investments, pension advice, income protection in Godalming, business protection, personal financial planning, pension consolidation advice Godalming, trusts, tax advice, corporate financial planning Godalming, familt controlled trusts, equity release Godalming, pension reviews in Godalming, cashflow analysis, investment consolidation advice in Godalming, investment bonds Godalming, will writing services in Godalming, divorce planning Godalming, pensions in divorce Godalming, retirement planning, financial analyst services, inheritance tax planning, stakeholder pensions, personal pensions, bridging finance Godalming, and more. These are just a selection of the activities that can be undertaken by local financial advisers. Godalming professionals will inform you of their whole range of services.

Surrey Financial Advice Enquiries

Current Surrey financial advice enquiries: Barney and Elsie Gould from Lightwater recently asked for information on financial planning. Bobby Lightfoot from Merrow recently asked for information on investment bonds. Mateusz Reyes and Asiya Reyes from Netherne on the Hill recently enquired about family income benefit. Mr and Mrs Abbott from East Horsley, Surrey recently enquired about equity release. Trinity and Colby Winn in Addlestone recently enquired about investment advice. Ashley and Vanessa Lacey from Send, Surrey recently asked for information on financial planning. Emmeline Lacey and Ted Lacey from Bagshot, Surrey recently enquired about investment advice. Renae Ford and Kobe Ford in Ewhurst, Surrey recently asked for information on financial planning. All of these local residents did a search for "financial advisors Surrey" and noticed this page on either Bing, Google or Yahoo.

Financial Advisers Near Godalming

Also find: Wormley financial advisers, Hurtmore financial advisers, Farncombe financial advisers, Charterhouse financial advisers, Hambledon financial advisers, Catteshall financial advisers, Milford financial advisers, Busbridge financial advisers, Peper Harlow financial advisers, Shackleford financial advisers, Witley financial advisers, Brook financial advisers, Puttenham financial advisers, Compton financial advisers, Chiddingfold financial advisers, Wanborough financial advisers and more. Most of these places are served by local financial advisers. Godalming residents can get financial advice quotations by clicking here.

Godalming Financial Advice Services

Find Financial Advisers in Godalming Here

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Financial Advisors Around Godalming: Some Godalming roads and streets where financial advice has recently been given - Copse Side, Stillers, Busdens Close, The Oaks, Downer Meadow, Chalk Road, St Johns Street, Badgers Hollow, Boundless Road, Applegarth, Ballsdown, Brook Meadow, Brookfield, Bridge Street, Ashtead Lane, Simmonds Cottages, Summers Lane, Shackstead Lane, Camargue Place, Copse Edge, Cow Lane, Bramswell Road, Tottenham Road, Culmer Lane, Combe Lane, Clover Lea, Birchanger, Borough Road, The Cedars, Cherry Tree Road, as well as the following Godalming area postcodes: GU7 1BZ, GU7 1LZ, GU7 1JS, GU7 1LG, GU7 1NL, GU7 1FF, GU7 1DN, GU7 1GF, GU7 1FA, GU7 1DS. People in these local areas recently requested the help of a financial adviser. Godalming residents enjoyed the benefits of trusted and dependable financial services.

If you're interested in local Godalming info click here

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

Independent financial advisers in GU7 area, (dialling code 01483).

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