Financial Advisers Lewes

Financial Advisers Lewes East Sussex: If you're in search of financial advice for the first time, trying to find a reliable financial adviser adviser in the Lewes area can be a daunting experience. Nevertheless, all qualified financial advisers are bound by one common rule; they must all conform to the regulations laid down by the Financial Conduct Authority (FCA), regardless of whether you are after mortgage, pensions, investment or even insurance guidance. This comes with some guarantees, therefore after getting advice from a FCA registered financial adviser in Lewes, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if anything goes wrong.

Friends and relatives recommendations can be a decent starting point in selecting a financial adviser in Lewes, but bear in mind that their circumstances could be different to the type of advice you're looking for. Their advice needs to be adapted to your particular situation, and not every financial adviser is suitable for everyone. It pays to speak with at least 3 different firms when you're selecting a financial adviser, as this is a major decision, and you need to find one that you can trust and feel at ease with, and at the same time check out the options they offer.

When you are looking to pick a financial adviser in Lewes, there are two main types; restricted advisers and independent financial advisers (IFA). The benefit of seeing an independent financial adviser is that they won't be confined to the services or products of just one provider, and can offer a wider range of options. Independent financial advice should encompass the entire gamut of financial products and companies, and must be offered in an unbiased way. If you choose to use an IFA, you'll be able to choose from the broadest possible array of services, in order to find the right solution for you. A restricted adviser may be tied to services and products from a particular firm, or may even concentrate on a single product, as can happen with a mortgage adviser.

Before any financial adviser accepts you as a client, they're required by the FCA to be fully transparent with you about their charges. Contingent on the type of service you're looking for, you could be charged by the hour, a set fee or perhaps even a percentage of your investment value. To discuss your goals and determine whether the adviser is a good fit for you and your situation, a free initial consultation may be offered. Your account might be looked after by a team rather than one individual adviser, if you decide to go to one of the bigger firms in Lewes.

To describe your ambitions and financial situation to the advising company, you'll have to fill in a "Fact Find" document, which is a confidential disclosure form. An Initial Disclosure, or Key Facts Document will also be handed to you, to provide information on the financial advisers themselves, outlining their scope of permissions in the financial arena and their situation for offering independent or restricted advice. This document will also make clear your own legal rights and your options if you're not satisfied with the service provided, and would like to submit a complaint. It has to be written in plain language and describe what you're signing up for, and any possible risks and benefits if you elect to go along with the offered advice. This document should also inform you of the level of cooling-off period. This permits you to have a change of heart within a certain time frame, and cancel your contract with the financial adviser.

When speaking to the financial adviser for the first time you'll want to check their qualifications and experience. After all you are about to entrust your financial future to their expertise, so you shouldn't be self-conscious about asking these questions. Every financial adviser in Lewes must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. When checking the Financial Services Register, don't freak out if your specific adviser's name doesn't show up on there; you ought to be able to find the firm name, and this means that the regulations covers all of their staff. The person may still offer financial guidance as opposed to advice, if these cannot be provided. In financial terms guidance is different to advice and is not regulated in the same way. Therefore there's no recourse for the client if errors arise.

If you are looking for advice on investments you will be asked about the level of risk you're comfortable with. Most investments carry some degree of risk, but high risk investments could offer higher rewards, but also more likelihood of losing some or all of your cash. In order to get the best investment and financial advice, your savings objectives must be considered, i.e. how much you have to invest, short or long term investments and how rapidly you need to access your money. "How much money can you actually afford to lose?" Is the one important question that you really need to ask yourself. This could affect the products and services that could be offered for your consideration, and is known as your 'capacity for loss'.

If you've already got any existing mortgages, investments, savings or regular outgoing payments, you'll want to tell your financial adviser about these. They will need to know this, so that they can get a picture of your finances and give the best advice for you. The diversification of your investments and savings by spreading the risk load across various different products, is a crucial part of reliable financial advice. With a knowledge of the best areas to consider, a certified financial adviser will concentrate on products that most closely match your financial circumstances and goals.

A financial adviser will reveal the complex world of finance, and try to converse in the clearest possible way. You should be in a position to make an informed decision once you have compared the various services and products that meet your needs. If you are mind is firmly on the environment, you can perhaps ask your adviser to stick to ethical investments and savings. This allows you to support companies and businesses which address your concerns, i.e. zero carbon or renewable energy, or perhaps avoiding companies that don't meet your standards.

It can prove hard to manage work and other obligations around a close working relationship with a financial adviser in Lewes. One-on-one meetings can be supplemented with video conferencing and phone calls to allow you to get advice at times that suit you. Working from home and remote working is now commonplace, and a competent financial advice firm in Lewes will have strict measures in force to ensure your details are kept secure and confidential, even if you hardly ever have a face-to-face meeting with your personal adviser.

COMPLAINTS

Investments can just as easily go down as well as up, as the financial world can be unpredictable. If your investment isn't making as much money as you hoped for, it can be very worrying and frustrating. However, unless it's owing to wrong or misleading information from your adviser a downward trend in your investment is not a recognised grounds for complaint.

The company's official complaints procedure should be the place to start with any disputes, and the Key Facts Document should explain this. You can inform the Financial Ombudsman of the problem if it is unresolved within the period set out by the regulating authority, and your financial adviser is registered with the FCA.

The Financial Ombudsman will look into the cause of the complaint and make a ruling. If the complaint is found to be justified, a decision will be made on how to rectify or financially compensate the client. Once agreed on by the customer, the decision becomes a legally binding one, and the adviser and their firm must abide by it. The Financial Ombudsman will also take into account any annoyance, distress, inconvenience and hassle caused to the client during the process, and fix the level of compensation accordingly.

Financial advice can be provided in Lewes and also in nearby places like: Burgess Hill, Falmer, Laughton, Offham, Southerham, Glyndebourne, Ringmer, Glynde, Sout, Wallands Park, South Malling, Barcombe, Southease, Woodingdean, Isfield, Cooksbridge, Ovingdean, Stoneham, together with these postcodes BN7 1PP, BN7 1AE, BN7 1JG, BN7 1EW, BN7 1SH, BN7 1EQ, BN7 1ET, BN7 1AR, BN7 1LY, BN7 1QU. Local Lewes financial advisers will most likely have the dialling code 01273 and the postcode BN7. Checking this will confirm that you're accessing local financial advisers. Lewes homeowners will be able to benefit from these and numerous other similar services.

East Sussex Financial Advisers

In East Sussex you'll also find: Wivelsfield financial advisors, Telscombe investment advice, Hurst Green financial advisers, Pevensey financial advisors, Crowhurst financial advisers, Catsfield investment advisers, East Dean financial advisers, Westham investment advisers, Woodingdean investment advisers, Uckfield financial advisors, Broad Oak financial advisers, Peasmarsh investment advice, Heathfield investment advice, Jevington financial advisers, Framfield financial advice, Icklesham financial advice, South Heighton investment advice, Pevensey investment advice, Maresfield financial advisors, Danehill investment advice, Ewhurst financial advisors, Westfield financial advice, East Dean financial advice, Newick financial advice, Newhaven financial advisers, Flimwell investment advisers, Danehill investment advice, Mayfield investment advisers, Ninfield financial advisers.

Lewes Financial Advice Services

There is a wide range of services that can be provided by your local Lewes financial advisor including income protection Lewes, money planning in Lewes, life insurance Lewes, pension planning Lewes, ethical investment advice Lewes, investing an inheritance, financial services, pension reviews Lewes, savings advice, life assurance advice, unit trusts, cashflow planning, offshore investment advice, personal pensions advice, divorce planning, critical illness cover, pension transfers in Lewes, family income benefit, pension consolidation advice, trusts, business financial planning, corporate financial planning, pensions in divorce, multi-asset portfolios, investment plans in Lewes, cash flow modelling in Lewes, bridging finance, equity release advice in Lewes, financial analyst services in Lewes, portfolio management, and lots more. These are just a selection of the activities that can be conducted by local financial advisers. Lewes professionals will be happy to tell you about their entire range of financial services.

Financial Advisers Near Lewes

Also find: Isfield financial advisers, Woodingdean financial advisers, Stoneham financial advisers, Southease financial advisers, Southerham financial advisers, Burgess Hill financial advisers, Barcombe financial advisers, Laughton financial advisers, Sout financial advisers, Ringmer financial advisers, Ovingdean financial advisers, South Malling financial advisers, Glynde financial advisers, Falmer financial advisers, Cooksbridge financial advisers, Glyndebourne financial advisers, Offham financial advisers, Wallands Park financial advisers and more. The majority of these places are covered by local financial advisers. Lewes residents can get financial advice quotes by clicking here.

Lewes Financial Advice Services

Find Financial Advisers in Lewes Here

• Lewes Retirement Advice
• Lewes Cashflow Analysis
• Lewes Wealth Management
• Lewes Investment Advice
• Lewes Estate Planning
• Lewes Independent Financial Advice
• Lewes Cheap Financial Advice
• Lewes Financial Services
• Lewes Pension Advice
• Lewes Tax Advice
• Lewes Life Insurance Advice
• Lewes Mortgage Advice
• Lewes Inheritance Advice
• Lewes Financial Advice Quotes

Financial Advisors Around Lewes: Households in De Warrenne Road, Beggars Wood Road, Downs Close, Churchill Road, Brickhurst Lane, Cornwells Bank, Barcombe Mills, Beechwood Lane, Shepherds Close, Butlers Way, School Bungalows, Church Hill, Bishops Lane, Castle Banks, Bishops Drive, Broyle Paddock, Church Crescent, Barons Down Road, Stansfield Road, Crisp Road, The Dicklands, Swallow House, Southover Road, Bridgelands, Caburn View, The Rough, Ballard Drive, South Way, Timber Yard Cottages, have needed financial advice recently. Financial advisors have also been active in the following Lewes area postcodes: BN7 1PP, BN7 1AE, BN7 1JG, BN7 1EW, BN7 1SH, BN7 1EQ, BN7 1ET, BN7 1AR, BN7 1LY, BN7 1QU. Folks living in these areas recently required the help of a financial adviser. Lewes residents benefited from reliable and professional financial services in every case.

To get local Lewes info take a look here

More East Sussex Financial Advisers: More East Sussex financial advisers: Peacehaven, Brighton, Willingdon, Hastings, Hailsham, Telscombe, Bexhill-on-Sea, Portslade, Hove, Wadhurst, Ringmer, Polegate, Eastbourne, Crowborough, Uckfield, Newhaven, Westham, Battle, Rye, Forest Row, Lewes, Seaford, Ore and Heathfield.

Independent financial advisers in BN7 area, and dialling code 01273.

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