Financial Advisers Worthing

Financial Advisers Worthing West Sussex: If you're in search of financial advice for the first time, trying to find a reliable independent financial adviser in the Worthing area can be an intimidating experience. Whether you're looking for pensions, mortgage, investment or even insurance advice, all qualified financial advisers have one thing in common; they must all follow the regulations of the Financial Conduct Authority (FCA). The good thing about this is that should a financial adviser who is FCA approved give you poor quality advice, and things go awry, you have guarantees, and can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman to have it put right.

Recommendations from friends and family can be a good starting point in selecting a financial adviser in Worthing, but remember that their needs might be different to what you're looking for. Their advice needs to be personalised to your unique circumstances, and not every financial adviser is suitable for everybody. It is a good idea to speak to at least 3 different firms when you are considering a financial adviser, since this is a major decision, and you need to find one that you can trust and feel at ease with, and also check out the options they offer.

Restricted advisers and independent financial advisers (IFA), are the two principal kinds of financial adviser in Worthing. Offering a wide range of options, an IFA won't be confined to the services and products of just one company. Encompassing the entire spectrum of financial products and companies, independent financial advice should be offered in an impartial and unbiased way to customers. This will permit you to choose from the widest possible range of products to match your needs. A restricted adviser might be concerned with a single product, as with a mortgage adviser, or be restricted to products and services from a specific firm.

Before accepting you as a client, any financial adviser must tell you about their charges, as demanded by the FCA. You might be charged by the hour, a set fee or even a specific percentage of your investment value, based upon services you are looking for. To enable you to discuss your goals and see if the adviser is suitable for your circumstances, you might be offered the possibility of a free preliminary consultation. Your account could be managed by a team rather than one individual adviser, if you decide to go to one of the larger firms in Worthing.

You'll be required to fill in a "Fact Find" document, which is a confidential disclosure form relating your financial situation and targets to the advising firm. An Initial Disclosure, or Key Facts Document will also be given to you, to provide information about the financial advisers themselves, explaining the extent of their permissions in the financial arena and their status to offer independent or restricted advice. Your rights will also be set out in this document, along with the options you can take if you want to make a complaint because you are not happy with the service provided. It should be easily understood, written in plain language, and outline precisely what you are signing up for, together with the risks and benefits of taking the proffered advice. The level of cooling-off period should also be fully explained in this document. This makes it possible for you to change your mind within a certain number of days, and cancel the agreement with your financial adviser.

When speaking with the financial adviser the very first time you should check their experience and qualifications. Asking such questions should never cause you any embarrassment, because after all you're about to entrust them with your financial wellbeing. A Level 4 qualification is the minimum qualification for any Worthing financial adviser, and they must also be able to present you with an annual Statement of Professional Standing. Don't freak out if your adviser's name doesn't appear on the Financial Services Register, providing the firm is listed on the register, their employees are covered by the legislation. The individual can still offer financial guidance instead of advice, if these can't be presented. Guidance isn't regulated in the way that financial advice is, which means that if mistakes are made neither party will have any recourse.

You'll be asked the level of risk you are ready to take, if you are seeking advice on investments. Many investments carry some element of risk, but higher risk investments could potentially offer higher rewards, and also more chance of losing some or all of your money. In order to get the very best investment and financial advice, your savings goals will have to be given careful consideration, i.e. how quickly you need access to your money, how much capital you want to invest and short or long term investments. "How much money can you actually afford to lose?" Is the one important question that you should really be asking yourself. Commonly called your capacity for loss, this will very likely affect the services and products that you are offered.

From the outset, it's important to tell your financial adviser about any existing savings accounts, regular outgoings, investments or mortgage loans that you have. To make certain that you get the most suitable advice for you, they need to have a clear and full picture of your financial circumstances. Sound financial advice should include diversifying your investments and savings by spreading the risk load across a range of different products. In order to match your goals and financial situation, an experienced financial adviser in Worthing will understand the best areas to consider.

Your financial adviser will try to communicate in as plain a speech as possible, to lay bare the complex world of finance. You should be in a position to make an informed and considered decision once you have compared the various services and products that meet your needs. You could ask your adviser only to specify ethical savings and investments. This does not just give you investment opportunities, but also enables you to support zero carbon or green energy projects, and keep away from companies and businesses that do not share the same values as you do.

Having a close working relationship with a financial adviser in Worthing could create issues with your work life and other commitments. To allow you to seek advice at a time to suit you, face-to-face meetings can be backed up with phone calls and video conferencing. Remote and home working is now a large part of our society, and an experienced financial advice firm in Worthing will have stringent measures in force to ensure your details are kept secure and confidential, even if you rarely have a one-to-one meeting with your adviser.

COMPLAINTS

Investments can just as easily go down as well as up, since the financial world can be a volatile one. It can be extremely demoralising and worrying if your investment is not making the amount of money you were hoping for. A downward trend in your investment is not seen as a cause for complaint, unless your adviser has given you wrong or misleading information.

The firm's complaints procedure should be the starting position for any disputes, and the Key Facts Document should clarify this. If your financial adviser is a member of the FCA, you can tell the Financial Ombudsman about the issue if it remains unsolved within the timeframe set out by the regulating authority.

After reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. If the complaint is upheld, a decision is made on how to rectify the situation or financially compensate the client. Once the decision has been agreed on by the client it becomes a legally binding decision which the financial adviser and their firm, must comply with. Any distress, inconvenience, trouble and annoyance caused to the client during the process, will be considered when the Ombudsman sets the level of compensation.

Financial advice can be provided in Worthing and also in: Lancing, Findon, North Lancing, Coombes, Upper Beeding, Sompting, South Lancing, Goring by Sea, Bramber, Wiston, Broadwater, Shoreham-by-Sea, Botolphs, Littlehampton, Steyning, Washington, and in these postcodes BN11 1UR, BN11 1XL, BN11 1JQ, BN11 1BX, BN11 1TR, BN11 1AN, BN11 1AS, BN11 1WG, BN11 1JE, BN11 1QT. Local Worthing financial advisers will most likely have the phone code 01903 and the postcode BN11. Checking this out should make sure that you access local financial advisers. Worthing homeowners are able to utilise these and many other similar services.

Worthing Financial Advice Services

There are a number of different services which can be provided by your local Worthing financial advisor including life insurance in Worthing, investment plans, ethical investments, income protection advice, trustee investment services, inheritance tax planning, investment bonds, long term care fee advice, mortgage advice Worthing, business financial planning, personal financial planning in Worthing, annuity purchase, familt controlled trusts, investment consolidation, pension consolidation Worthing, corporate bonds, unit trusts, cheap financial advice, personal protection, mutual funds, annuities, portfolio management, divorce planning, general financial planning, cashflow analysis, will writing services Worthing, pension advice Worthing, saving for children, retirement advice, financial analyst services in Worthing, and more. These are just a selection of the tasks that can be performed by local financial advisers. Worthing professionals will inform you of their entire range of financial services.

A Financial Advisor's Regular Duties

• Financial advisors provide education, counselling and consultation with regards to investments and finances.
• Financial advisors make deals with with providers of financial products.
• Financial advisors meet sales and performance targets.
• Financial advisors work in collaboration with associates to obtain statistics, trends and market information.
• Financial advisors speak with customers about their plans and finances.
• Financial advisors produce in-depth financial reports.
• Financial advisors keep fully abreast of new products and law changes.
• Financial advisors constantly update customers regarding their investments.
• Financial advisors recommend the financial products that are best-suited to their customers.
• Financial advisors keep a record of potential transactions and customers.

Financial Advisers Near Worthing

Also find: South Lancing financial advisers, Washington financial advisers, Wiston financial advisers, Broadwater financial advisers, Goring by Sea financial advisers, Bramber financial advisers, Littlehampton financial advisers, Sompting financial advisers, Steyning financial advisers, North Lancing financial advisers, Botolphs financial advisers, Coombes financial advisers, Shoreham-by-Sea financial advisers, Upper Beeding financial advisers, Findon financial advisers, Lancing financial advisers and more. Most of these places are served by local financial advisers. Worthing residents can get quotations by clicking here.

Worthing Financial Advice Services

Find Financial Advisers in Worthing Here

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

Financial Advisors Around Worthing: Financial advice has recently been given in the following Worthing streets and roads - Drummond Court, Smugglers Walk, Brooklyn Chambers, Alston Way, Brecon Close, Augusta Place, Cranleigh Road, Bruce Way, Bedford Row, Cherry Gardens, Alford Close, Bury Drive, Selden Lane, Chandos Road, St Johns Close, The Limes, Cowdray Court, Batemans Close, Bodmin Close, South Street, Salvington Road, Cuckfield Crescent, Turner Road, Teville Gate, Bellview Road, Brunswick Road, Bramble Crescent, Beachside Close, Bath Place, Central Avenue, as well as the following Worthing area postcodes: BN11 1UR, BN11 1XL, BN11 1JQ, BN11 1BX, BN11 1TR, BN11 1AN, BN11 1AS, BN11 1WG, BN11 1JE, BN11 1QT. People residing in these areas recently required help from a financial adviser. Worthing residents were given professional and reliable financial services.

To find local information relating to Worthing, West Sussex check here

More West Sussex Financial Advisers: More West Sussex financial advisers: Hurstpierpoint, Littlehampton, Horsham, Rustington, Worthing, Chichester, Bognor Regis, Crawley, Southwick, Haywards Heath, Burgess Hill, Lancing, Shoreham-by-Sea, Southwater and East Grinstead.

Independent financial advisers in BN11 area, and dialling code 01903.

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