Financial Advisor Aberystwyth

Aberystwyth Independent Financial Advice & Investment

Financial Advisor Aberystwyth Wales (SY23): It can be an intimidating experience trying to find a good financial advisor advisor in Aberystwyth, particularly if it is the first time that you're seeking financial advice. Whether it's mortgage, pension, investments or even insurance advice that you're after, there's one common rule for all professional financial advisors; they all have to stick to Financial Conduct Authority (FCA) regulations. The good thing about this is that if a financial advisor who is FCA certified gives you bad advice, and anything goes awry, you have guarantees, and can contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to have it put right.

Free Aberystwyth Financial Advisor Quotes

When selecting a financial advisor in Aberystwyth, a good place to begin could be friends and neighbours, but you must keep in mind that your situation might not be the same as theirs, and you might need a different sort of advice. Financial advice must be individually tailored to your unique circumstances, and you will discover that some financial advisors may not be suitable for your requirements. Selecting a financial advisor is an important decision and it pays to speak to at least 3 different companies so as to explore the various options they can offer, and to find one you can trust and feel at ease with.

Financial Advisor Aberystwyth Wales (SY23)

There are two principal types of financial advisor in Aberystwyth; restricted advisors and independent financial advisors (IFA). An independent financial advisor should not be confined to just one company's services or products. Independent financial advice must encompass the full spectrum of financial companies and products, and should be offered in an impartial way. If you decide to use an IFA, you'll be able to choose from the widest possible array of services, so as to find the ideal solution for you. If you use a restricted advisor you will soon realise that they could be restricted to services and products of one particular company, or as with a mortgage advisor, might only be focused on one individual product.

The FCA requires that any financial advisor in Aberystwyth must be fully transparent with you about their charges, before taking you on as a client. Although it varies dependant upon the type of product or service you are looking for, there may be an hourly rate, a set fee, or you might even be charged a slice of what you're investing. You will sometimes be offered the possibility of a free preliminary consultation to allow you to discuss your aims and see if the advisor is the proper choice for your situation. In some larger Aberystwyth firms, you may find that your account is being looked after by a team as opposed to an individual.

Financial Advisors Aberystwyth UK (01970)

Before any actual financial advice is handed out you will have to fill in a confidential disclosure document, known as a "Fact Find" form, which informs the advising company about your ambitions and financial situation. An Initial Disclosure, or Key Facts Document will also be given to you, to provide information on the financial advisors themselves, detailing their scope of permissions in the financial arena and their situation for offering independent or restricted advice. This document will also make clear your rights and the possible options you can take if you are not satisfied with the service, and wish to complain. It should outline what you are committing yourself to, and any possible risks and benefits that exist if you elect to take the advice offered, and it must be set down in clear language. The allowed cooling-off period should also be spelled out in this Key Facts Document. This enables you to cancel your contract with the financial advisor within a certain period of time, and whenever any penalties are incurred.

The very first time you are talking to your financial advisor you'll want to check what experience and qualifications they have. Asking such questions should not cause you any embarrassment, because after all you are entrusting them with your financial future. A Level 4 qualification is the minimum qualification for any financial advisor in Aberystwyth, and they must also be in a position to present you with an annual Statement of Professional Standing. When you check the Financial Services Register, you shouldn't stress if your specific advisor's name doesn't show up on there; you ought to be able to find the company name, and this means that the regulations covers all of their personnel. If they're unable to provide this evidence, the individual can't offer advice but is able to offer financial guidance. Guidance isn't regulated in the same way as financial advice, meaning that if mistakes are made the client won't have any recourse.

Financial Advisor Quotes in Aberystwyth Wales

You will be asked the level of risk you're ready and able to accept, if you are seeking advice on investments. High risk investments may offer higher rewards, but some or all of your cash could be lost. Decent investment and financial advice will take into account your savings aims, i.e. how much you wish to invest, how rapidly you need access to your money and long or short term investments. The one question that you should ask of yourself, which is often neglected, is how much you can afford to lose. This may well influence the products and services that you are offered, and is generally referred to as your capacity for loss.

Financial Advice Near Aberystwyth Wales

You'll want to tell your financial advisor about any current regular payments, mortgages, personal savings or investments. To ensure that you get the most appropriate advice for you, they need to have a full and clear picture of your finances. Reliable financial advice should allow for diversifying your savings and investments by spreading the risk load across a range of different products. A certified financial advisor in Aberystwyth will understand the best areas to consider, which reflect your financial situation and your goals.

Your financial advisor will communicate in the clearest possible way, to unveil the multifaceted world of finance. After comparing the various services and products that meet your needs, you should be able to make an informed and educated decision. You can perhaps ask your financial advisor only to choose ethical investments and savings. This not only provides you with investment opportunities, but also enables you to support renewable energy or zero carbon projects, and keep away from those that don't share the same values as you do.

Working closely with a financial advisor in Aberystwyth can be difficult to manage around your work day and other commitments. This can be reduced by augmenting one-on-one meetings with telephone calls and video conferencing, thus allowing you to seek the advice you need at times that are convenient. An experienced financial advice company in Aberystwyth will have stringent measures in place to keep your details secure and confidential, even if you never have a face-to-face meeting with your advisor, because remote and home working is no longer unusual.


The value of your investments could go down as well as up, and this is a factor that you need to keep in mind. If it just so happens that your investment is not making the amount of money you were hoping for, it can be an extremely worrying and demoralising time. However, except if it's owing to wrong or misleading information from your advisor a downward spiraling of your investment is not seen as a cause for complaint.

Independent Financial Advisor Near Aberystwyth (SY23)

The firm's complaints procedure should be the starting point for any disputes, and the Key Facts Document will discuss this. If the issue is unsolved within the period stipulated by the regulating body, and your financial advisor is a member of the Financial Conduct Authority, you can inform the Financial Ombudsman.

After looking into the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. If it is found that the complaint is justifiable, a decision is made on how the client can be financially compensated. This becomes a legally binding decision as soon as it has been accepted by the customer, and the financial advisor and their company must comply with the ruling. The Ombudsman will also consider any annoyance, hassle, distress and inconvenience caused to the client during the process, and establish the level of compensation accordingly.

Book a Financial Advisor in Aberystwyth UK

Financial advice can be provided in Aberystwyth and also in: Penglais, Llangorwen, Llangawsai, Pen-y-Garn, Comins Coch, Penparcau, Waun Fawr, Capel Bangor, Penyranchor, Clarach, Bow Street, Trefechan, Llanbadarn Fawr, as well as in these postcodes SY23 2AF, SY23 1PU, SY23 1PW, SY23 1EW, SY23 1DS, SY23 2DL, SY23 1HD, SY23 1QP, SY23 2AZ, SY23 1EZ. Local Aberystwyth financial advisers will probably have the phone code 01970 and the postcode SY23.

Aberystwyth Financial Advice Services

Financial Advice Tasks Aberystwyth

There are a wide array of services that can be provided by your local Aberystwyth financial advisor including investment plans, ethical investments Aberystwyth, pension drawdowns Aberystwyth, cashflow analysis, life assurance advice in Aberystwyth, trusts in Aberystwyth, long term care fee advice in Aberystwyth, life insurance advice Aberystwyth, corporate financial planning, cheap financial advice, will writing services in Aberystwyth, tax planning, mortgage advice in Aberystwyth, bridging finance in Aberystwyth, general financial planning Aberystwyth, offshore investments, ISA's, investment bonds, unit trusts Aberystwyth, investment planning, financial services, portfolio management, business financial planning Aberystwyth, investment planning in Aberystwyth, income protection, and lots more.

Necessary Skills to be Financial Advisors

  • To have the ability to listen attentively
  • Outstanding skills in verbal communication.
  • An outstanding level of math knowledge for building financial packages.
  • To have a goal driven attitude.
  • The ability to sell products and services.
  • Excellent customer service skills for determining customer needs.
  • To pay attention to detail and be thorough.
  • To be capable of using a computer and the main software packages.
  • To be able to network and build solid relationships with clients.
  • A solid knowledge of economics and accounting with regard to financial products and markets.
  • Excellent management skills for negotiating product fees.

Wales Financial Advice Enquiries

Wales Financial Advice Enquiries

Recently posted Wales financial advice enquiries: Kodi Thomson and Kayleigh Thomson from Tanyfron recently asked for information on equity release. Liam Richardson and Zainab Richardson from Newborough recently asked for information on pensions. Ronnie Ashworth from New Tredegar, Wales recently asked for information on pensions. Kenny and Etta Finch from Presteigne recently asked for information on life assurance. Liya Knight and Prince Knight from Prestatyn recently enquired about getting financial advice. Maizie Sadler and Floyd Sadler from Goodwick recently enquired about equity release. Ana Snowden and Eoin Snowden from Aberfan, Wales recently asked for information on mortgages. Lorna and Kenny Stark from Tal Y Bont, Wales recently asked for information on pensions.


Financial Advisors Near Aberystwyth

Also find: Capel Bangor financial advisors, Comins Coch financial advisors, Llangorwen financial advisors, Llanbadarn Fawr financial advisors, Bow Street financial advisors, Penglais financial advisors, Penyranchor financial advisors, Pen-y-Garn financial advisors, Llangawsai financial advisors, Penparcau financial advisors, Trefechan financial advisors, Waun Fawr financial advisors, Clarach financial advisors and more.

Aberystwyth Financial Advice Services

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

More Aberystwyth Services: Of course, when you are looking at your finances in Aberystwyth, Wales, you'll likely be in need of all types of different services and along with a financial advisor in Aberystwyth, Wales, you might also need property law & conveyancing in Aberystwyth, business financial planning in Aberystwyth, wills in Aberystwyth, debt recovery & collection in Aberystwyth, family lawyers in Aberystwyth, business consulting in Aberystwyth, payroll services in Aberystwyth, contracts lawyers in Aberystwyth, bookkeepers in Aberystwyth, mortgage advice in Aberystwyth, solicitors in Aberystwyth, investment advisors in Aberystwyth, tax preparation in Aberystwyth, estate planning in Aberystwyth, mortgage brokers in Aberystwyth, accounting in Aberystwyth, banruptcy lawyers in Aberystwyth, and other different Aberystwyth experts.

Financial Advisors Around Aberystwyth: Financial advice has recently been given in the following Aberystwyth streets and roads - Eastgate, Laura Place, Maes Y Drindod, Custom House Street, Coed Y Buarth, St Michael's Place, Fford Alexandra, Coedlan-y-frenhines, Brynymor Road, Second Avenue, Gray's Inn Road, Queen Street, Poplar Row, Stryd Powell, Pier Street, Stryd Y Faenor, Elysian Grove, Quay Road, Rhodfa'r Gogledd, Cwrt-yr-angor, Heol-y-wig, New Street, Y Stryd Uchel, Penparcau Road, Heol Glanrafon, William Street, Sea View Place, as well as these Aberystwyth area postcodes: SY23 2AF, SY23 1PU, SY23 1PW, SY23 1EW, SY23 1DS, SY23 2DL, SY23 1HD, SY23 1QP, SY23 2AZ, SY23 1EZ.

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Aberystwyth Financial Advisor Jobs: See financial adviser jobs near Aberystwyth by going here: Aberystwyth Financial Advisor Jobs

Independent financial advisor in SY23 area, 01970.

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