Financial Advisers Walton-on-Thames

Financial Advisers Walton-on-Thames Surrey: Finding a decent independent financial adviser in Walton-on-Thames can be an intimidating experience, especially if you are seeking financial advice for the very first time. Whether you are looking for mortgage, pension, investment or even insurance advice, all qualified financial advisers are bound by one common rule; they all have to observe the regulations set by the Financial Conduct Authority. The benefit of this is that if a financial adviser who is FCA registered gives you poor advice, and things go wrong, you've got guarantees, and are able to go to the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to get things put right.

A decent starting point when picking a financial adviser in Walton-on-Thames could be family and friends, but remember that the sort of advice you're searching for might be different to theirs. Financial advice should be specifically tailored to your particular circumstances, and you'll discover that certain financial advisers may not be suitable for you. Choosing a financial adviser is a big decision and it is wise to chat to at least 3 different companies so as to investigate the various options they offer, and to find one that you can trust and feel at ease with.

Restricted advisers and independent financial advisers, are the 2 principal kinds of financial adviser in Walton-on-Thames. Offering a more diverse range of options, an independent financial adviser will not be limited to just one company's products or services. Covering the entire spectrum of financial products and companies, independent financial advice must be given in an impartial and unbiased way to clients. Using an IFA should enable you to choose from the widest possible array of services. A restricted financial adviser may be focused on an individual product, as with a mortgage adviser, or be limited to products and services from a single company.

Before taking you on as a client, any financial adviser in Walton-on-Thames must be fully transparent with you about their charges, as required by the Financial Conduct Authority. Dependant upon the product you're looking for, you could be charged by the hour, a set fee or perhaps even a percentage of your investment value. You could be offered a free initial consultation to allow you to discuss your aims and determine whether the adviser is suitable for your situation. In some of the bigger Walton-on-Thames firms, you might find that your account is being handled by a team as opposed to an individual.

Before any actual advice is given you will be required to complete a confidential disclosure document, called a "Fact Find" form, which tells the advising firm about your financial situation and desired goals. A Key Facts or Initial Disclosure Document will also be given to you, providing information about the financial advisers themselves, outlining the scope of their permissions in the financial sector and their situation for offering independent or restricted advice. This document will also make clear your rights and your options if you are not satisfied with the service provided, and would like to complain. It must be typed out in plain English and describe what you're committing yourself to, and any potential risks and benefits should you opt to go along with the advice offered. You can find the amount of cooling-off period in this document. Within a certain period of time, this enables you to cancel the agreement.

You need to check what experience and qualifications the financial adviser has when you first speak with them. Asking these questions should never be a cause for embarrassment, because you're about to entrust them with your long-term financial wellbeing. All Walton-on-Thames financial advisers must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. When checking the Financial Services Register, you shouldn't panic if your specific adviser's name does not appear on there; you will probably find the firm name, and this means that the legislation covers all of their employees. The person may still offer financial guidance instead of advice, if these cannot be presented. Guidance is not regulated in the way that financial advice is, which means that if errors arise the client won't have any recourse.

If it is investing money that you are interested in, the adviser will need to know the amount of risk you might be willing and able to take with your hard-earned money. Higher risk investments may potentially offer better rewards, but some or all of your funds could be lost. Your savings goals will have to be carefully considered if good quality investment and financial advice is to be given, i.e. how much cash you want to invest, long or short term investments and how rapidly you need access to your money. "How much money can you afford to lose?" Is the one question that you really need to ask yourself. This may affect the products and services that you're offered, and is generally known as your 'capacity for loss'.

If you have already got any current regular payments, personal savings, investments or mortgage loans, you need to let your financial adviser know about these. To ensure that you get the most suitable advice for you, they need to have a full and clear picture of your financial situation. Reliable financial advice should include diversifying your investments and savings by spreading the risk load across different products. A professional financial adviser in Walton-on-Thames will understand the best areas to consider, which mirror your goals and your financial situation.

Communicating in in the simplest terms possible, your financial adviser will unmask the multifaceted world of investment and finance. This will enable you to compare services and products which match your needs, and come to an informed decision. If you're mind is firmly on the environment, you can ask your financial adviser to stick to ethical savings and investment schemes. You will then be able to avoid corporations that companies meet your standards, but instead lend your support to those organisations and companies that address your concerns, for example renewable energy or zero carbon.

Having a close working relationship with a financial adviser in Walton-on-Thames could cause issues with your work life and other commitments. This can be alleviated by augmenting one-on-one meetings with video conferencing and phone calls, thus allowing you to seek the guidance you need at a convenient time. Working from home and remote working is now so common, and an experienced financial advice company in Walton-on-Thames will have stringent measures in force to ensure your details are kept secure and confidential, even if you never have a one-on-one meeting with your adviser.

COMPLAINTS

Investments can be an unpredictable area, and their values could go down as well as up. It can be incredibly stressful and disheartening if your investment isn't making as much money as you were hoping for. A downward spiraling of your investment isn't seen as a grounds for complaint, unless your financial adviser has supplied you with misleading or wrong information.

As outlined in the Key Facts Document, any complaints should commence with the company's official complaints procedure. You can inform the Financial Ombudsman of the problem if it remains unsolved within the time schedule set out by the regulating body, and your financial adviser is registered with the FCA.

The Financial Ombudsman will make a ruling after reviewing the cause of the complaint independently. A decision is made on how to rectify the situation or financially compensate the customer, if the complaint is upheld. On acceptance by the client, the decision will become legally binding, and the financial adviser and their firm must abide by it. The Financial Ombudsman will also consider any inconvenience, distress, trouble and upset caused to the customer during the situation, and set the level of compensation proportionately.

Financial advice can be provided in Walton-on-Thames and also nearby in: Weybridge, Brooklands, Esher, Addlestone, Hersham, West Molesey, Rydens, Lower Halliford, Hampton, Kempton Park, Shepperton, Laleham, Sunbury-on-Thames, Hurst Park, Molesey, Ashley Park, together with these postcodes KT12 2AN, KT12 1LW, KT12 1NU, KT12 1SL, KT12 1RW, KT12 1DU, KT12 1QD, KT12 2AL, KT12 2AQ, KT12 1LJ. Local Walton-on-Thames financial advisers will probably have the telephone dialling code 01932 and the postcode KT12. Verifying this should confirm that you access local financial advisers. Walton-on-Thames home and business owners can benefit from these and numerous other similar services.

Walton-on-Thames Financial Advice Services

There is a variety of services which are provided by your local Walton-on-Thames financial advisor including corporate financial planning, multi-asset portfolios, investment bonds, corporate bonds, annuities, mutual funds, business protection, unit trusts in Walton-on-Thames, pension reviews, cash flow modelling, personal protection, saving for children in Walton-on-Thames, portfolio management, long term care fee planning Walton-on-Thames, personal financial planning, pension plans, financial analyst services, pension drawdowns, will writing services Walton-on-Thames, annuity purchases, business financial planning, trustee investment services Walton-on-Thames, financial planning in Walton-on-Thames, general financial planning, divorce planning, trusts, pension consolidation, investment consolidation advice, family income benefit Walton-on-Thames, ISA's, and more. Listed are just a small portion of the duties that can be carried out by local financial advisers. Walton-on-Thames professionals will let you know their whole range of financial services.

A Financial Advisor's Day to Day Duties

• Financial advisors keep a record of potential transactions and clients.
• Financial advisors produce financial reports.
• Financial advisors keep fully abreast of new financial products and legislation changes.
• Financial advisors speak to clients about their plans and finances.
• Financial advisors provide education, consultation and counselling regarding finances and investments.
• Financial advisors meet targets for performance and sales.
• Financial advisors work in collaboration with associates to gather statistics, market information and trends.
• Financial advisors research financial products and explain them simply and clearly to their clients.
• Financial advisors thrash out advantageous deals with with financial product providers.
• Financial advisors continually update clients about their investments.

Financial Advisers Near Walton-on-Thames

Also find: Molesey financial advisers, Sunbury-on-Thames financial advisers, Esher financial advisers, Hampton financial advisers, Shepperton financial advisers, Weybridge financial advisers, Kempton Park financial advisers, Ashley Park financial advisers, Lower Halliford financial advisers, Hersham financial advisers, Rydens financial advisers, Hurst Park financial advisers, Brooklands financial advisers, West Molesey financial advisers, Laleham financial advisers, Addlestone financial advisers and more. Most of these areas are served by local financial advisers. Walton-on-Thames residents can get estimates by clicking here.

Walton-on-Thames Financial Advice Services

Find Financial Advisers in Walton-on-Thames Here

• Walton-on-Thames Inheritance Advice
• Walton-on-Thames Financial Advice
• Walton-on-Thames Financial Advice Quotations
• Walton-on-Thames Trustee Investments
• Walton-on-Thames Life Insurance Advice
• Walton-on-Thames Pension Advice
• Walton-on-Thames Corporate Financial Planning
• Walton-on-Thames Tax Advice
• Walton-on-Thames Mortgage Advice
• Walton-on-Thames Financial Services
• Walton-on-Thames Investment Advice
• Walton-on-Thames Wealth Management
• Walton-on-Thames Retirement Advice
• Walton-on-Thames Estate Planning

Financial Advisors Around Walton-on-Thames: People who live in the following roads and areas have just recently enquired about financial advice - Towpath, Alpine Road, St Michaels Close, Spicer Close, Beech Close, Bowes Road, Trenchard Close, Brunswick Close, Thames Street, Cottimore Avenue, Cottimore Terrace, Denton Grove, Dudley Road, Thamesmead, Cowley Crescent, Cromwell Close, Avondale Close, Clarence Road, Berkeley Gardens, St Martins Drive, Colne Drive, Bishops Hill, Bridge Close, Dukes Road, Armstrong Close, Chestnut Avenue, Tumbling Bay, Crofton Avenue, Turners Lane, as well as the following local Walton-on-Thames postcodes: KT12 2AN, KT12 1LW, KT12 1NU, KT12 1SL, KT12 1RW, KT12 1DU, KT12 1QD, KT12 2AL, KT12 2AQ, KT12 1LJ. Folks living in these local areas recently required the help of a financial adviser. Walton-on-Thames residents were given high quality and competent financial services.

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

For the latest local info on Walton-on-Thames, Surrey go here

Independent financial advisers in KT12 area, and dialling code 01932.

Independent Financial Advice Walton-on-Thames - Financial Adviser Near Walton-on-Thames - Business Financial Advice Walton-on-Thames - Retirement Advisors Walton-on-Thames - KT12 - 01932 - Cheap Financial Advice Walton-on-Thames - Independent Financial Advisers Walton-on-Thames - Personal Financial Advice Walton-on-Thames