Financial Advisers Swindon

Financial Advisers Swindon Wiltshire: It can be an intimidating experience trying to find a first-rate independent financial adviser in the Swindon area, especially if it's the very first time that you're needing financial advice. Whether it is pension, investments, mortgage or even insurance advice that you're after, there is one common rule for all financial advisers; they must all stick to Financial Conduct Authority regulations. Any advice given through a FCA authorised financial adviser in Swindon comes with guarantees that should things go awry, you can get in touch with the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

When picking a financial adviser in Swindon, a good starting point could be family and friends, however you must remember that your situation might not be the same as theirs, and you may be in need of a different kind of advice. Their advice needs to be adapted to your specific circumstances, and not every financial adviser is suitable for everyone. Choosing a financial adviser is a big decision and it is wise to speak with at least three different companies in order to explore the various options they can provide, and to find one that you can trust and feel at ease with.

When you are looking to pick a financial adviser in Swindon, there are essentially 2 principal types; independent financial advisers (IFA) and restricted advisers. An independent financial adviser won't be confined to the services and products of just one company. Independent financial advice should be offered in an unbiased way and across the whole gamut of financial companies and products. This will allow you to choose from the broadest range of services to meet your needs. A restricted financial adviser could be focused on a single product, such as a mortgage adviser, or be restricted to products and services from a particular provider.

Before accepting you as a client, any financial adviser in Swindon must be transparent about their charges, as demanded by the Financial Conduct Authority. You may be charged by the hour, a set fee or maybe even a specific percentage of your investment, based on type of service you're interested in. A free preliminary consultation will sometimes be offered, so that you can discuss your objectives and circumstances to determine whether the adviser is the right choice. In some larger Swindon companies, you could find that your account is being managed by a team rather than an individual adviser.

You will have to fill out a "Fact Find" document, which is a confidential disclosure form relating your financial situation and aims to the advising company. A Key Facts Document, or Initial Disclosure Document will also be handed to you, to provide information on the financial advisers themselves, detailing the scope of their permissions in the financial sector and their situation for offering independent or restricted advice. Your legal rights will also be spelled out in this document, in addition to the possible options you can take if you want to submit a complaint because you aren't happy with the service you are given. It has to be easy to understand, written in layman's terms, and explain exactly what you're committing yourself to, along with the risks and benefits of accepting the proffered advice. The Key Facts Document will also inform you about the level of cooling-off period. This allows you to have a change of heart within a certain period of time, and cancel the agreement with your financial adviser.

When talking to your financial adviser initially make sure you check their qualifications and experience. You should never be self-conscious about asking these questions, after all you are just about to entrust your financial future to their expertise. All Swindon financial advisers must hold at least a Level 4 qualification and be able to present an annual Statement of Professional Standing. Don't worry if your financial adviser's name doesn't appear on the Financial Services Register, providing the company is on the register, their personnel are covered by the legislation. If they're unable to supply this proof, the individual can't offer advice but is able to offer financial guidance. Guidance is not regulated in the same way as financial advice, meaning that if errors are made the client won't have any recourse.

You will be asked about the amount of risk you are ready to accept, if you are seeking advice on investing money. Higher risk investments could potentially offer higher rewards, however all or some of your money could be lost. Your savings aims must be taken into account if good quality investment advice is to be given, i.e. long or short term investments, how much you wish to invest and how quickly you need to access your funds. "How much money can you actually afford to lose?" Is the one important question that you really need to ask yourself. Referred to as your capacity for loss, this will very likely affect the products and services that you're offered.

You should tell your financial adviser about your existing investments, mortgage loans, regular outgoing payments or savings. They'll need these details, so that they can get a clear picture of your finances and give the correct advice for your needs. The diversification of your investments and savings by spreading the risk load across a number of different products, is an important part of reliable financial advice. A professional financial adviser in Swindon will have the knowledge of the best areas to consider, which mirror your goals and your financial situation.

Your financial adviser will attempt to communicate in the clearest possible way, to throw open the multifaceted world of finance. You should be able to come to an informed decision once you have compared the various services and products that meet your needs. If the environment is at the forefront of your mind, you could maybe ask that ethical investments and savings take top priority. This not only provides you with investment opportunities, but also enables you to support green energy or zero carbon projects, and avoid businesses and companies that do not share the same values as you.

It can prove challenging to manage your work day and other obligations around a close working relationship with a financial adviser in Swindon. This can be alleviated by augmenting face-to-face appointments with video conferencing and telephone calls, therefore enabling you to get the guidance you need at convenient times. Even if you rarely have a face-to-face meeting with your adviser, an experienced financial advice provider in Swindon will have strict measures in place 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 their values could go down as easily as they go up. If it just so happens that your investment is not making the amount of money you hoped for, it can be a very demoralising and worrying time. Sadly, a downward spiral in your investment is not a recognised cause for complaint, unless of course it's down to misleading or incorrect information from your financial adviser.

As described in the Key Facts Document, any complaints should begin with the company's complaints procedure. If the issue remains unsolved within the time schedule set by the regulating authority, and the financial adviser is a member of the FCA, you can contact the Financial Ombudsman.

The Financial Ombudsman will independently review the cause for complaint and make a ruling. If it's established that the complaint is legitimate, a decision is made on how the client can be financially compensated. Once the ruling has been agreed on by the customer it becomes a legally binding decision which the financial adviser and their firm, must comply with. The Ombudsman will also account for any trouble, inconvenience, upset and distress caused to the client during the situation, and fix the level of compensation accordingly.

Financial advice can be provided in Swindon and also in: Brinkworth, Haydon Wick, South Leaze, Salisbury, Westlea, Stratton, Broome Manor, Cricklade, Cheney Manor, Purton, Walcot, Dorcan, Bridgemead, Toothill, Chiseldon, West Leaze, Kembrey Park, together with these postcodes SN1 1FT, SN1 2AJ, SN1 2DJ, SN1 1PP, SN1 2AW, SN1 1BL, SN1 2DU, SN1 1NF, SN1 1WD, SN1 1YH. Locally based Swindon financial advisers will most likely have the postcode SN1 and the dialling code 01793. Verifying this can make sure that you access locally based financial advisers. Swindon homeowners are able to benefit from these and various other comparable services. Click the "enquiry" banner or form to get details about financial advisers in your area.

A Financial Advisor's Everyday Tasks

• Producing in-depth financial reports.
• Updating customers about their investments.
• Working in collaboration with associates to obtain market information, trends and statistics.
• Providing counselling, consultation and education regarding investments and finances.
• Recommending the financial products that are best-suited to customers.
• Meeting performance and sales targets.
• Keeping fully abreast of regulation changes and new financial products.
• Making advantageous deals with with financial product providers.
• Chatting with clients about their finances and plans.
• Maintaining detailed records of transactions and customers.

Swindon Financial Advice Services

There is a range of services which can be provided by your local Swindon financial advisor including saving for children in Swindon, inheritance tax planning in Swindon, pension plans, pension drawdowns, investment bonds in Swindon, life insurance advice, pension reviews Swindon, pension transfers Swindon, cheap financial advice, personal protection, stakeholder pension advice in Swindon, bridging finance in Swindon, life assurance in Swindon, investment reviews, financial analyst services, bereavement benefits, financial advice services in Swindon, business protection, independent financial advice, portfolio management in Swindon, trustee investment services, financial planning Swindon, divorce planning Swindon, personal financial planning in Swindon, critical illness cover in Swindon, unit trusts, corporate bonds, business planning, offshore investment advice Swindon, long term care fee advice, and lots more. These are just a handful of the activities that can be performed by local financial advisers. Swindon professionals will tell you about their full range of services.

Skills and Knowledge Needed by Financial Advisors

• To have excellent time management skills.
• Excellent customer service skills for identifying client requirements.
• A competent level of numeracy for developing financial packages.
• A thorough understanding and knowledge of economics and accounting associated with financial products and markets.
• The ability to sell services and products.
• To pay attention to detail and be thorough.
• Excellent verbal communication skills.
• To have the ability to network and build solid relationships with customers.
• Effective business management skills for negotiating product rates.
• To have attentive listening and interpersonal skills.
• To have the ability to use a computer and the principal software packages.

Financial Advisers Near Swindon

Also find: Salisbury financial advisers, Purton financial advisers, Stratton financial advisers, Chiseldon financial advisers, Brinkworth financial advisers, South Leaze financial advisers, West Leaze financial advisers, Westlea financial advisers, Cheney Manor financial advisers, Dorcan financial advisers, Kembrey Park financial advisers, Cricklade financial advisers, Haydon Wick financial advisers, Broome Manor financial advisers, Bridgemead financial advisers, Walcot financial advisers, Toothill financial advisers and more. All these villages and towns are served by local financial advisers. Swindon residents can get quotes by clicking here.

Swindon Financial Advice Services

Find Financial Advisers in Swindon Here

• Swindon Inheritance Advice
• Swindon Cashflow Analysis
• Swindon Estate Planning
• Swindon Investment Advice
• Swindon Life Insurance Advice
• Swindon Trustee Investments
• Swindon Pension Advice
• Swindon Financial Advice Quotations
• Swindon Financial Services
• Swindon Tax Advice
• Swindon Cheap Financial Advice
• Swindon Wealth Management
• Swindon Mortgage Advice
• Swindon Retirement Planning

Financial Advisors Around Swindon: Financial advice has recently been provided in the following Swindon areas and streets - Delamere Drive, Aden Court, Dowling Street, Bardsey Close, Shute Avenue, Sleaford Close, Tattershall, Church End, The Steadings, Templars Firs, Anise Close, Scarborough Road, Southbank Glen, Drakes Way, The Grove, Canterbury Close, Tennyson Street, Thorney Park, Sidney Close, Stanley Street, Dewell Mews, Danestone Close, Betjeman Avenue, Beech Lea, Calderdale Close, Belgrave Street, Barnard Close, Tenzing Gardens, as well as these Swindon area postcodes: SN1 1FT, SN1 2AJ, SN1 2DJ, SN1 1PP, SN1 2AW, SN1 1BL, SN1 2DU, SN1 1NF, SN1 1WD, SN1 1YH. Folks residing in these local areas recently required help from a financial adviser. Swindon residents benefited from high quality and reliable financial services on every occasion.

More Wiltshire Financial Advisers: More Wiltshire financial advisers: Tidworth, Swindon, Salisbury, Calne, Devizes, Warminster, Melksham, Corsham, Marlborough, Amesbury, Bradford-on-Avon, Westbury, Chippenham, Trowbridge and Wootton Bassett.

To find local info about Swindon, Wiltshire click here

Independent financial advisers in SN1 area, 01793.

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