Financial Advisers Houghton Regis

Financial Advisers Houghton Regis Bedfordshire: If you're seeking financial advice for the first time, trying to find a good independent financial adviser in the Houghton Regis area can be a daunting experience. Nevertheless, all financial advisers are bound by one simple rule; they all have to stick to the regulations of the Financial Conduct Authority, whether you're searching for mortgage, pensions, investments or even insurance guidance. Any advice given through a FCA authorised financial adviser in Houghton Regis comes with certain guarantees that if things go wrong, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman.

Recommendations from friends and relatives can be a decent starting point in choosing a financial adviser in Houghton Regis, but keep in mind that their circumstances may be different to what you're looking for. Financial advice must be individually tailored to your particular circumstances, and you will find that some financial advisers might not be appropriate for you. It is a good idea to speak with at least 3 different companies when you're selecting a financial adviser, because this is a big decision, and you need to find one that you feel comfortable with and can trust, and explore the options they can provide.

Restricted advisers and independent financial advisers (IFA), are the 2 main kinds of financial adviser in Houghton Regis. Offering a more extensive range of options, an independent financial adviser should not be limited to the products or services of a single company. Independent financial advice must be given in an unbiased way and should cover the entire gamut of financial companies and products. Consulting an IFA should permit you to choose between the widest possible array of services. A restricted adviser could be limited to services and products from one particular firm, or may even concentrate on just one product, as can be the case with a mortgage adviser.

Before accepting you as a client, any financial adviser in Houghton Regis must fully discuss their charges with you, as demanded by the Financial Conduct Authority. Although it varies dependant upon the kind of product you require, there could be an hourly rate, a set fee, or you could even be charged a slice of what you are investing. A free initial consultation might be offered, so you can discuss your objectives and situation to determine whether the adviser is the best fit. In some larger Houghton Regis companies, you could find that your account is handled by a team as opposed to an individual.

You will need to fill in a "Fact Find" document, which is a confidential disclosure form relating your goals and financial situation to the advising firm. A Key Facts Document, or Initial Disclosure Document will also be handed to you, providing details of the financial advisers themselves, explaining their scope of permissions in the financial sector and their situation for offering restricted or independent advice. Your rights should also be set out in this document, in addition to the options you can take if you want to complain because you are not satisfied with the service you're given. It should describe what you are committing yourself to, and any possible risks and benefits if you choose to accept the offered advice, and it must be set down in clear language. You'll find the level of cooling-off period in this document. Within a specific time frame, this permits you to cancel the agreement with your financial adviser.

Ensure that you check the experience and qualifications of the financial adviser the first time you speak to them. Asking such questions should never be a cause for embarrassment, because you're about to entrust them with your long-term financial wellbeing. A Level 4 qualification in financial advice is the minimum certification for any financial adviser in Houghton Regis, and they must also be in a position to present you with an annual Statement of Professional Standing. If the adviser's name does not appear on the Financial Services Register, you shouldn't panic, the company the individual works for should be found on the register and their employees will be covered by the regulations. The person can still offer financial guidance instead of advice, if these cannot be presented. In terms of finance guidance is different to advice and isn't regulated. Therefore there is no recourse for either party if financial errors arise.

You will be asked the amount of risk you're ready to accept, if you are seeking advice on investments. Higher risk investments may offer better rewards, however some or all of your capital could be lost. Good quality financial and investment advice will take into account your savings aims, i.e. long or short term investments, how quickly you need access to your funds and how much you wish to invest. You must always ask yourself the one vital question, how much money can you really afford to lose. Sometimes referred to as your 'capacity for loss', this will most likely influence the products and services that you're offered.

From the outset, it's important to tell your financial adviser about any mortgage loans, regular outgoings, investments or savings accounts that you currently have. This will give a clear and full picture of your current financial circumstances, and without this the advice given might not be the most appropriate for you. Spreading the risk load across different products through the diversification of your investments and savings, is something that reliable financial advice should embrace. In order to reflect your financial situation and goals, an experienced financial adviser in Houghton Regis will have the knowledge of the best areas to consider.

Communicating in the clearest possible way, your financial adviser will throw open the multifaceted world of investment and finance. You should be in a position to come to an informed and considered decision after you have compared the various services and products which match your needs. If environmental issues are important to you, you could perhaps ask that ethical savings and investment schemes take top priority. This will allow you to support organisations and firms which match your concerns, i.e. zero carbon or green energy, or perhaps keeping away from corporations that do not meet your standards.

Establishing a close working relationship with your financial adviser in Houghton Regis could create complications with your work life and other obligations. This can be alleviated by augmenting one-on-one meetings with telephone and video conferencing, hence enabling you to get the advice you need at convenient times. Even if you never have an in-person meeting with your adviser, a professional financial advice company in Houghton Regis will have strict measures in place to keep your details confidential and secure, because working from home and remote working is now commonplace.

COMPLAINTS

Investments can be an unpredictable area, and values could 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 an extremely disheartening and worrying time. However, unless it's down to misleading or wrong information from your financial adviser, a downward trend in your investment is not a recognised grounds for complaint.

The firm's complaints procedure should be the best place to start with any disputes, and the Key Facts Document should discuss this. If your financial adviser is a member of the Financial Conduct Authority, you can let the Financial Ombudsman know about the matter if it is unresolved within the timeframe stipulated by the regulating authority.

The Financial Ombudsman will come to a decision after reviewing the cause for complaint independently. If it is established that the complaint is legitimate, a decision is made on how the customer can be compensated or the situation rectified. Once agreed on by the client, the ruling will become legally binding, and the adviser and their company must comply with it. Any trouble, upset, distress and inconvenience caused to the client during the process, will be taken into account when the Financial Ombudsman sets the level of compensation.

Financial advice can be provided in Houghton Regis and also in: Tebworth, Eaton Bray, Wingfield, Eggington, Dunstable, Eddlesborough, Hockliffe, Chalton, Toddington, Luton, Totternhoe, Sundon, Harlington, Tilsworth, Stanbridge, Leagrave, Leighton Buzzard, Billington, together with these postcodes LU5 5PU, LU5 5BL, LU5 5GL, LU5 5ER, LU5 5FH, LU5 5EZ, LU5 4TS, LU5 5PX, LU5 5FP, LU5 5EW. Local Houghton Regis financial advisers will most likely have the postcode LU5 and the telephone code 01582. Checking this out can confirm you are accessing local financial advisers. Houghton Regis homeowners can utilise these and lots of other finance related services.

Bedfordshire Financial Advice Enquiries

Recent Bedfordshire financial advice enquiries: Rafe Turrell in Lidlington recently asked for information on pensions. Caleb Crosby from Eaton Bray recently enquired about equity release. Aidan and Nyla Finch in Cranfield, Bedfordshire recently enquired about equity release. Farrah Gordon and Mackenzie Gordon from Langford recently asked about financial planning. Mr and Mrs Cox in Sharnbrook recently asked for information on financial planning. Skye and Clayton Armitage from Westoning, Bedfordshire recently asked for information on equity release. Ellie-Mae and Tony Unsworth in Cranfield recently asked for information on family income benefit. Ricky and Celeste Knott from Stewartby recently asked for information on investment bonds. Most of these local people conducted a search for "financial advisers Bedfordshire" and noticed this page on either Bing, Google or Yahoo.

Bedfordshire Financial Advisers

In the Bedfordshire area you can additionally get: Woburn financial advisers, Clapham investment advice, Flitwick financial advice, Shillington investment advice, Eaton Bray financial advisers, Hockliffe investment advisers, Aspley Guise investment advisers, Flitwick financial advisors, Flitton investment advice, Wilshamstead financial advisors, Shortstown financial advisors, Haynes financial advisors, Biddenham investment advice, Oakley financial advice, Lidlington financial advice, Cranfield investment advice, Harrold investment advisers, Greenfield financial advisers, Bromham investment advice, Pulloxhill investment advice, Clophill financial advice, Clifton financial advisors, Linslade financial advisors, Caddington financial advisers, Maulden financial advisers, Woburn investment advisers, Shillington financial advice, Clifton financial advisers, Stotfold financial advisors.

Fundamental Skills for Financial Advisors

• To pay attention to detail and be thorough.
• To have the ability to network and build solid relationships with clients.
• The ability to sell products and services.
• To have good time management skills.
• Effective business management skills for negotiating product rates.
• To have good IT skills.
• To have active interpersonal and listening skills.
• An outstanding level of math knowledge for building financial strategies.
• Good skills in verbal communication.
• An excellent knowledge of accounting and economics relating to financial markets and products.
• Excellent customer service skills for determining customer requirements and needs.

Houghton Regis Financial Advice Services

There are a wide array of services that can be provided by your local Houghton Regis financial advisor including familt controlled trusts, trustee investment services, financial analyst services, trusts Houghton Regis, financial planning, inheritance tax planning, multi-asset portfolios, saving for children in Houghton Regis, pension planning Houghton Regis, independent financial advice, will writing services, life insurance Houghton Regis, tax financial planning, mutual funds, corporate bonds, investment advice Houghton Regis, investing an inheritance in Houghton Regis, pensions in divorce, mortgage advice, cheap financial advice, stakeholder pensions in Houghton Regis, savings advice, critical illness cover, personal protection, ISA's, bridging finance, ethical investment advice, death benefits, money planning in Houghton Regis, business protection, and more. Listed are just an example of the tasks that can be carried out by local financial advisers. Houghton Regis professionals will keep you informed about their full range of financial services.

Financial Advisers Near Houghton Regis

Also find: Tilsworth financial advisers, Billington financial advisers, Eggington financial advisers, Wingfield financial advisers, Leagrave financial advisers, Stanbridge financial advisers, Eddlesborough financial advisers, Luton financial advisers, Tebworth financial advisers, Harlington financial advisers, Dunstable financial advisers, Toddington financial advisers, Leighton Buzzard financial advisers, Sundon financial advisers, Totternhoe financial advisers, Hockliffe financial advisers, Chalton financial advisers, Eaton Bray financial advisers and more. The majority of these locations are serviced by local financial advisers. Houghton Regis residents can get financial advice quotes by clicking here.

Houghton Regis Financial Advice Services

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Financial Advisors Around Houghton Regis: In the last year financial advice was provided in the following Houghton Regis streets: Kensington Close, Sandringham Drive, Walkley Road, Gainsborough Drive, Cumberland Street, Sundon Road, The Lindens, Enfield Close, Hillside, Vicarage Road, Thornbury Court, Coopers Way, Plaiters Way, Tudor Drive, Parkside Close, Park Road North, Park Avenue, Farriers Way, Watling Place, Mayer Way, Bromley Gardens, Camp Drive, Blackburn Road, Arnald Way, Yew Street, Hillborough Crescent, Stubbs Close, Lowry Drive, and in these Bedfordshire postcodes: LU5 5PU, LU5 5BL, LU5 5GL, LU5 5ER, LU5 5FH, LU5 5EZ, LU5 4TS, LU5 5PX, LU5 5FP, LU5 5EW. People residing in these local areas recently required the help of a financial adviser. Houghton Regis residents enjoyed professional and competent financial services.

For local Houghton Regis information click here

More Bedfordshire Financial Advisers: More Bedfordshire financial advisers: Luton, Leighton Buzzard, Houghton Regis, Biggleswade, Bedford, Flitwick, Dunstable and Sandy.

Independent financial advisers in LU5 area, telephone code 01582.

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