Financial Advisor Aberystwyth

Aberystwyth Independent Financial Advice & Investment

Financial Advisor Aberystwyth Wales (SY23): It can be a daunting experience trying to locate a good independent financial advisor in Aberystwyth, especially if it is the first time that you're in search of financial advice. Whether it's investments, pensions, mortgage or even insurance advice that you're after, there's one common rule for all financial advisors; they all have to observe FCA (Financial Conduct Authority) regulations. This comes with certain guarantees, so after taking advice from a FCA certified financial advisor in Aberystwyth, you can seek reparation from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if anything goes awry.

Free Aberystwyth Financial Advisor Quotes

When picking a financial advisor in Aberystwyth, a decent place to begin could be friends and neighbours, but you must bear in mind that your circumstances might not be in line with theirs, and you may need a different type of advice. Not every financial advisor is suitable for everyone, and any advice they provide should be personalised to your specific circumstances. It pays to speak to at least three different firms when you are choosing a financial advisor, because this is a big decision, and you will be looking to find one that you feel comfortable with and can trust, and explore the options they can provide.

Financial Advisor Aberystwyth Wales (SY23)

Restricted advisors and independent financial advisors, are the 2 principal kinds of financial advisor in Aberystwyth. Offering a more extensive range of options, an IFA will not be restricted to a single company's products and services. Encompassing the full gamut of financial products and companies, independent financial advice should be given in an impartial and unbiased way to customers. This will enable you to choose from the widest range of services to match your needs. A restricted financial advisor might be tied to services and products from a specific firm, or might even focus on just one product, as you might find with a mortgage advisor.

Before taking you on as a client, any financial advisor must be transparent about their charges, as required by the FCA. You might be charged by the hour, a set fee or possibly even a specific percentage of your investment value, based on kind of services you require. To discuss your goals and see if the advisor is the proper choice for your situation, you might be offered the chance of a free preliminary consultation. If you go to one of the larger Aberystwyth companies, your account may be managed by a team of advisors rather than a single individual.

Financial Advisors Aberystwyth UK (01970)

Before any actual financial advice is handed out you will be required to fill out a confidential disclosure document, known as a "Fact Find" form, which informs the advising firm about your financial situation and aims. You'll also be handed a Key Facts Document, or Initial Disclosure Document, which provides you with details about the financial advisor, their status to offer restricted or independent advice and their range of permissions in the financial market. Your legal rights will also be set out in this document, together with the options you can take if you need to complain because you're not satisfied with the service you're given. It has to be easy to understand, written in layman's terms, and outline exactly what you're committing yourself to, together with the risks and benefits of accepting the proffered advice. The allowed cooling-off period should also be fully explained in this Key Facts Document. Within a certain number of days, this makes it possible for you to cancel your contract.

The very first time you are chatting with your financial advisor you should check what experience and qualifications they have. After all you are on the verge of entrusting your long-term financial wellbeing to their skill, so you should not be self-conscious about asking such questions. Every Aberystwyth financial advisor must be able to present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. If the advisor's name doesn't appear on the Financial Services Register, you should not freak out, the company the individual works for should be found on the register and their staff will be covered by the legislation. The individual can still offer financial guidance as opposed to advice, if these cannot be provided. Guidance is different to advice as it isn't regulated in the same way, and if financial errors are made there will likely be no recourse to the client.

Financial Advisor Quotes in Aberystwyth Wales

You'll be asked about the level of risk you're willing to accept, if you are seeking advice on investments. Higher risk investments may potentially offer larger rewards, but all or some of your money could be lost. The best investment and financial advice should take you savings aims into consideration, i.e. long or short term investments, how much you have to invest and how quickly you need access to your funds. You should invariably ask yourself the one important question, how much can you really afford to lose. This may well affect the services and products that you're offered, and is known as your capacity for loss.

Financial Advice Near Aberystwyth Wales

If you have already got any current regular payments, savings, mortgage loans or investments, you should let your financial advisor know about these. To make certain that you get the most suitable advice for you, they need a clear and full picture of your finances. The diversification of your savings and investments by spreading the risk load across a number of different products, is a vital part of good quality financial advice. With a knowledge of the best areas to consider, a seasoned financial advisor will favour products that match your financial situation and goals.

Communicating in in the simplest terms possible, your financial advisor will reveal the multifaceted world of finance and investment. After comparing the various services and products which meet your needs, you should be able to come to an informed and intelligent decision. If you're environmentally minded, you can ask your advisor to stick to ethical savings and investments. This not only gives you investment opportunities, but also enables you to support renewable energy or zero carbon projects, and keep away from businesses and companies that do not share the same values as you.

It may prove hard to manage your work and other responsibilities around working closely with a financial advisor in Aberystwyth. Face-to-face appointments can be backed up with telephone and video conferencing to allow you to seek advice at times that suit you. Even if you never have a one-on-one meeting with your advisor, any experienced financial advice firm in Aberystwyth will have rigorous measures in force to keep your details confidential and secure, because working from home and remote working is now commonplace.


You must bear in mind that the financial world is a volatile sector, and the value of your investments could just as easily go down as well as up. It can be quite worrying and frustrating if your investment fails to make as much money as you were hoping for. A downward spiraling of your investment isn't seen as a cause for complaint, unless your advisor has given you wrong or misleading information.

Independent Financial Advisor Near Aberystwyth (SY23)

As described in the Key Facts Document, any grievances should start out with the company's complaints procedure. If the financial advisor is a member of the FCA, you can inform the Financial Ombudsman of the problem if it is unsolved within the time laid down by the regulating body.

After looking into the cause for complaint, the Financial Ombudsman will make a ruling on the issue. If the complaint is justified, a decision will be made on how to rectify or financially compensate the client. On acceptance by the customer, the ruling becomes a legally binding one, and the advisor and their firm must comply with it. Any hassle, inconvenience, distress and annoyance caused to the customer during the process, will be taken into account when the Ombudsman establishes the level of compensation.

Book a Financial Advisor in Aberystwyth UK

Financial advice can be provided in Aberystwyth and also nearby in: Llangorwen, Trefechan, Pen-y-Garn, Comins Coch, Penyranchor, Penparcau, Llangawsai, Waun Fawr, Llanbadarn Fawr, Penglais, Capel Bangor, Bow Street, Clarach, together with these postcodes SY23 1JN, SY23 1JS, SY23 1DS, SY23 2AP, SY23 1NX, SY23 1DU, SY23 1DT, SY23 1BB, SY23 1BD, SY23 2BB. Locally based Aberystwyth financial advisers will likely have the phone code 01970 and the postcode SY23. Checking this out should ensure that you access locally based financial advisers. Aberystwyth property owners are able to utilise these and various other finance related services.

Aberystwyth Financial Advice Services

Financial Advice Tasks Aberystwyth

There is a variety of services which are provided by your local Aberystwyth financial advisor including pension consolidation, income protection in Aberystwyth, trusts, financial planning, independent financial advice, personal pensions in Aberystwyth, corporate financial planning, pension transfers, personal protection, portfolio management, life insurance advice, pension planning in Aberystwyth, tax advice, pension drawdowns, annuities, trustee investment services, mortgage advice Aberystwyth, corporate bonds, savings advice, unit trusts in Aberystwyth, cash flow modelling, multi-asset portfolios, offshore investments, annuity purchases, ISA's, family income benefit, bereavement benefit advice, business financial planning Aberystwyth, pensions in divorce, divorce planning, and lots more. These are just some of the tasks that can be undertaken by a financial advisor. Aberystwyth professionals will be delighted to keep you abreast of their whole range of services.


Financial Advisors Near Aberystwyth

Also find: Penyranchor financial advisers, Trefechan financial advisers, Waun Fawr financial advisers, Llanbadarn Fawr financial advisers, Penglais financial advisers, Comins Coch financial advisers, Llangorwen financial advisers, Capel Bangor financial advisers, Pen-y-Garn financial advisers, Penparcau financial advisers, Bow Street financial advisers, Clarach financial advisers, Llangawsai financial advisors and more. All of these areas are served by local financial advisers. Aberystwyth residents can get quotes by clicking here.

Aberystwyth Financial Advice Services

Find a Financial Advisor in Aberystwyth Here
Financial Advice Enquiries in Aberystwyth Wales (01970)
  • Aberystwyth Estate Planning
  • Aberystwyth Wealth Management
  • Aberystwyth Financial Advice
  • Aberystwyth Life Insurance Advice
  • Aberystwyth Cheap Financial Advice
  • Aberystwyth Pension Advice
  • Aberystwyth Corporate Financial Advice
  • Aberystwyth Financial Advice Quotes
  • Aberystwyth Trustee Investments
  • Aberystwyth Inheritance Advice
  • Aberystwyth Retirement Advice
  • Aberystwyth Financial Services
  • Aberystwyth Tax Advice
  • Aberystwyth Cashflow Analysis

Financial Advisors Around Aberystwyth: Folks living in the following areas and roads have just recently requested financial advice - Tyn-y-fron Lane, Y Stryd Fawr, Queen Street, Vulcan Street, Stryd Sior, Rhodfa'r Gogledd, Gwel Afon, Parc Y Bryn, Vaynor Street, Castell Brychan, Stryd William, Garth Dinas, Maes Y Drindod, Parc Dinas, Penrheidol, Rheidol Terrace, Marine Terrace, Plascrug Avenue, Lle'r Ffald, Stryd Castell, Trinity Place, Green Gardens, Pen-maes-glas Road, Portland Street, Alexandra Road, Heol Bryn, Coedlan Y Llwyfen, Garth-y-mor, Heol-y-wig, as well as the following Aberystwyth area postcodes: SY23 1JN, SY23 1JS, SY23 1DS, SY23 2AP, SY23 1NX, SY23 1DU, SY23 1DT, SY23 1BB, SY23 1BD, SY23 2BB. Folks in these areas recently requested help from a financial advisor. Aberystwyth residents received high quality and reliable financial services on each occasion.

To get local Aberystwyth info click here

Independent financial advisor in SY23 area, (dialling code 01970).

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(This financial advisor Aberystwyth information was updated on 06-05-2022)