Financial Advisers Molesey

Financial Advisers Molesey Surrey: If you are in search of financial advice for the first time, trying to locate a reliable independent financial adviser in the Molesey area can be a daunting experience. Whether you are searching for mortgage, pensions, investment or even insurance guidance, all qualified financial advisers are bound by one simple rule; they all have to conform to the regulations of the FCA (Financial Conduct Authority). Any advice given by a FCA approved financial adviser in Molesey comes with guarantees that if anything should go wrong, you have access to the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

A good starting point when choosing a financial adviser in Molesey can be friends and relatives, but bear in mind that the kind of advice you are searching for might be significantly different to theirs. Not every financial adviser is suitable for everybody, and their advice should be adapted to your specific situation. Picking the right financial adviser is vital and it is wise to talk to at least three different firms in order to explore the options they provide, and to find one that you feel comfortable with and can trust.

Restricted advisers and independent financial advisers (IFA), are the 2 principal kinds of financial adviser in Molesey. Offering a wider range of options, an independent financial adviser won't be restricted to a single provider's products or services. Independent financial advice must encompass the whole spectrum of financial companies and products, and must be offered in an impartial way. Using an IFA should allow you to select from the widest possible range of services. A restricted adviser may be tied to services and products from a single company, or might even focus on a single product, as can happen with a mortgage adviser.

Before accepting you as a client, any Molesey financial adviser must be fully transparent with you about their charges, as demanded by the Financial Conduct Authority. Depending on the type of product you are looking for, you could be charged by the hour, a set fee or perhaps even a specific percentage of your investment value. To discuss your objectives and find out if the adviser is the correct fit for your situation, a free preliminary consultation may be offered. Your account might be looked after by a team rather than a single adviser, if you elect to go with one of the bigger Molesey companies.

Before any financial advice is handed out you'll be required to fill out a confidential disclosure form, known as a "Fact Find" document, which informs the advising firm about your aims and financial situation. You will also be handed an Initial Disclosure, or Key Facts Document, which gives you details of the financial adviser, their status to offer independent or restricted advice and their scope of permissions in the financial market. If you aren't happy with the service provided, and wish to make a complaint, this document should also set down your own legal rights and the options you can take. It must be simple to understand, written in plain English, and explain exactly what you are committing yourself to, along with the risks and benefits of taking the proffered advice. You can find the level of cooling-off period in this document. Within a specific period of time, this makes it possible for you to cancel your agreement with the financial adviser.

The first time you are chatting with your financial adviser make sure you check what experience and qualifications they have. You should not be embarrassed about asking such questions, after all you're just about to entrust your long-term financial wellbeing to their skill. Every Molesey financial adviser must be in a position to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. If your adviser's name does not show up on the Financial Services Register, don't stress, the company the adviser works for should be found on the register and their staff will be covered by the legislation. If these cannot be presented the person can still offer financial guidance as opposed to financial advice. Guidance is not regulated in the way that financial advice is, which means that if errors are made the client won't have any recourse.

If it is investing money that you're interested in, the adviser will question you about the level of risk you are willing to take with your hard-earned money. High risk investments could potentially offer better rewards, but all or some of your cash could be lost. In order to get the best financial and investment advice, your savings goals must be given careful consideration, i.e. how much you have to invest, how rapidly you need to access your money and short or long term investments. You must invariably ask yourself the one crucial question, how much can you really afford to lose. This is known as your 'capacity for loss' and may affect the services and products that are offered to you.

If you already have any existing mortgage loans, investments, savings accounts or regular payments, you need to tell your financial adviser about these. They'll need these details, so they can get a picture of your financial circumstances and give the appropriate advice for you. Spreading the risk across a number of different products through the diversification of your investments and savings, is something that good financial advice should embrace. A qualified financial adviser in Molesey will have the knowledge of the best areas to consider, which match your financial situation and your goals.

Communicating in the plainest speech possible, your financial adviser will lay bare the complex world of finance and investment. After comparing the products and services which meet your needs, you should be able to come to an informed and calculated decision. If you're mind is firmly on the environment, you could ask your adviser to stick to ethical savings and investment schemes. This not only gives you investment opportunities, but also allows you to support zero carbon or renewable energy projects, and keep clear of companies that don't share the same values.

Working closely with a financial adviser in Molesey can be tricky to manage around your work day and other commitments. One-on-one appointments can be complemented with telephone and video conferencing to allow you to seek advice at times that suit you. An established financial advice company in Molesey will have rigorous measures in force to keep your details secure and confidential, even if you rarely have a one-to-one meeting with your adviser, because remote and home working is now so common.

COMPLAINTS

Investments can be a volatile area, and values could fall as well as rise. It can be extremely stressful and demoralising if your investment is not making as much money as you were hoping for. A downward spiral in your investment is not a recognised basis for complaint, unless your financial adviser has supplied you with wrong or misleading information.

As detailed in the Key Facts Document, any disputes should start with the company's official complaints procedure. If the financial adviser is a member of the Financial Conduct Authority, you can let the Financial Ombudsman know about the issue if it remains unresolved within the timeframe set by the regulating body.

After independently reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. If the complaint is upheld, a decision will be made on how to financially compensate the client. This becomes a legally binding decision once it has been agreed on by the client, and the financial adviser and their company must abide by the ruling. Any inconvenience, distress, hassle and upset caused to the client during the dispute, will be considered when the Ombudsman sets the level of compensation.

Financial advice can be provided in Molesey and also in nearby places like: West Molesey, Hanworth, Surbiton, Hampton Court, Claygate, Ditton Hill, East Molesey, North Claygate, Long Ditton, Sunbury, Hinchley Wood, Weston Green, Thames Ditton, Teddington, Esher, as well as in these postcodes KT8 9EA, KT8 2PQ, KT8 0DS, KT8 9DT, KT8 9AY, KT8 2JZ, KT8 9BA, KT8 9EL, KT8 0SU, KT8 0NN. Local Molesey financial advisers will probably have the telephone code 020 and the postcode KT8. Verifying this can guarantee you are accessing local financial advisers. Molesey home and business owners are able to benefit from these and numerous other comparable services. Click the "enquiry" banner or form to get details about financial advisers in your location.

Day to Day Duties of a Financial Advisor

• Meeting performance and sales targets.
• Constantly updating clients concerning their investments.
• Working together with peers to obtain market information, statistics and trends.
• Talking to customers about their plans and finances.
• Producing comprehensive financial reports.
• Recommending the financial products that are best-suited to customers.
• Collaborating with providers of financial products.
• Providing consultation, counselling and education with regards to finances and investments.
• Maintaining a record of transactions and clients.
• Keeping up to date with law changes and new products.

Skills Required by a Financial Advisor

• To have a flexible approach to work.
• To have active interpersonal and listening skills.
• To be good at promoting financial products and services.
• A solid understanding and knowledge of accounting and economics associated with financial products and markets.
• To be confident in using a computer and the primary software.
• Effective business management skills for negotiating product rates.
• Excellent customer service skills for finding out client needs.
• Outstanding verbal communication skills.
• A competent level of math knowledge for building financial plans.
• To be thorough and pay attention to detail.
• To be able to network and build solid relationships with customers.

Surrey Financial Advice Enquiries

Recent Surrey financial advice enquiries: Mr and Mrs Alderson in Elstead, Surrey recently asked for information on offshore investments. Cassie Wharton in Deepcut recently asked about investment advice. Aasiyah Houghton from Sidlow recently asked for information on life assurance. Anika Pond and Benedict Pond in West Clandon recently enquired about offshore investments. Jac Buchan and Remi Buchan in Dormansland recently asked for information on financial planning. Alistair Storey in Smallfield, Surrey recently asked for information on family income benefit. Isla and Archer Potts from Ewhurst, Surrey recently asked for information on pensions. Hector Mckeown from Tatsfield, Surrey recently asked about investment bonds. All these local residents searched for "financial advisers Surrey" and came across this page on Google, Bing or Yahoo.

Molesey Financial Advice Services

There are a number of different services that can be provided by your local Molesey financial advisor including business protection, portfolio management Molesey, savings advice, investment bonds in Molesey, financial analyst services, ISA's, personal financial planning, corporate financial planning, trustee investment services in Molesey, personal protection, wealth management, pension planning, independent financial advice in Molesey, life assurance in Molesey, mutual funds, bridging finance, equity release advice Molesey, pension consolidation Molesey, cheap financial advice Molesey, investment consolidation Molesey, pension transfers, retirement planning, pension reviews Molesey, saving for children in Molesey, multi-asset portfolios Molesey, pensions in divorce in Molesey, offshore investment advice, financial planning, corporate bonds, investment plans, and lots more. Listed are just some of the activities that can be accomplished by local financial advisers. Molesey professionals will be happy to tell you about their entire range of financial services.

Financial Advisers Near Molesey

Also find: Hampton Court financial advisers, Sunbury financial advisers, Teddington financial advisers, Ditton Hill financial advisers, West Molesey financial advisers, Long Ditton financial advisers, Esher financial advisers, Hanworth financial advisers, North Claygate financial advisers, Thames Ditton financial advisers, Surbiton financial advisers, East Molesey financial advisers, Hinchley Wood financial advisers, Claygate financial advisers, Weston Green financial advisers and more. All these locations are catered for by local financial advisers. Molesey residents can get price quotes by clicking here.

Molesey Financial Advice Services

Find Financial Advisers in Molesey Here

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Financial Advisors Around Molesey: In the past year financial advice was provided in the following Molesey streets: Buckingham Gardens, Merton Way, Hotham Close, Wilton Gardens, Mole Abbey Gardens, Dennis Road, Arnison Road, Adecroft Way, Molesey Park Road, Hurstfield Road, Matham Road, Alders Grove, Vine Road, Harrow Gardens, Cherimoya Gardens, Oarsman Place, Park Way, Second Close, Creek Road, Sadlers Ride, Molesham Way, Berkeley Drive, Cambridge Road, Hurst Road, Esher Road, Graburn Way, and in these Surrey postcodes: KT8 9EA, KT8 2PQ, KT8 0DS, KT8 9DT, KT8 9AY, KT8 2JZ, KT8 9BA, KT8 9EL, KT8 0SU, KT8 0NN. Folks living in these areas recently requested help from a financial adviser. Molesey residents enjoyed the benefits of reliable and high quality financial services on every occasion.

To obtain local info about Molesey, Surrey click here

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

Independent financial advisers in KT8 area, telephone code 020.

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