Financial Advisor Aberystwyth

Aberystwyth Independent Financial Advice & Investment

Financial Advisor Aberystwyth Wales (SY23): It can be an intimidating experience trying to find a first-rate independent financial advisor in Aberystwyth, particularly if it is the first time that you are seeking financial advice. Whether it's mortgage, investments, pension or even insurance advice that you're after, there is one common rule for all professional financial advisors; they must all stick to Financial Conduct Authority (FCA) regulations. Any advice given by a FCA certified financial advisor in Aberystwyth comes with certain guarantees that if anything should go wrong, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.

Free Aberystwyth Financial Advisor Quotes

When choosing a financial advisor in Aberystwyth, a decent place to start could be friends and relations, however you must keep in mind that your situation might not be in line with theirs, and you might be in need of a different sort of advice. Not every financial advisor is suitable for everybody, and their advice should be personalised to your particular circumstances. Selecting the right financial advisor is important and it is wise to speak with at least three different companies in order to investigate the options they can provide, and to find one you feel comfortable with and can trust.

Financial Advisor Aberystwyth Wales (SY23)

When it comes to picking a financial advisor in Aberystwyth, there are two principal types; restricted advisors and independent financial advisors. An independent financial advisor won't be restricted to the products or services of just one provider. Covering the whole gamut of financial products and companies, independent financial advice should be given in an unbiased and impartial way to clients. Consulting an IFA should allow you to choose from the widest possible array of services. If you go to a restricted financial advisor you'll discover that they could be restricted to services and products of one particular provider, or as with a mortgage advisor, might only be involved with one individual product.

Before accepting you as a client, any financial advisor in Aberystwyth must discuss their charges with you, as demanded by the Financial Conduct Authority. Dependant upon the type of product you're looking for, you could be charged a set fee, by the hour or maybe even a proportion of your investment. You may be offered a free first consultation to allow you to discuss your objectives and see if the advisor is the correct fit for you and your circumstances. Your account may be managed by a team rather than one individual advisor, if you choose to go to one of the bigger Aberystwyth companies.

Financial Advisors Aberystwyth UK (01970)

You'll need to fill out a "Fact Find" document, which is a confidential disclosure form relating your targets and financial situation to the advising company. You will also be handed an Initial Disclosure, or Key Facts Document, which provides details about the financial advisor, their status to offer restricted or independent advice and the scope of their permissions in the financial market. This document will also set down your own legal rights and the options you can take if you aren't happy with the service provided, and need to complain. It should outline what you are committing yourself to, and any potential risks and benefits if you choose to take the advice offered, and it should be written in plain English. This document must also tell you about the level of cooling-off period. This allows you to have a change of heart within a specific time frame, and cancel the agreement with your financial advisor.

You'll want to check what qualifications and experience the financial advisor has when you first speak to them. You shouldn't be self-conscious about asking these questions, after all you are on the verge of entrusting your financial wellbeing to their skill. All financial advisors in Aberystwyth 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 stress if your advisor's name does not show up on there; you should be able to locate the company name, and that means the legislation covers all of their advisors. If they're not able to supply these accreditations, the individual cannot offer advice but only financial guidance. In financial terms guidance differs to advice and is not regulated in the same way. Therefore there isn't any recourse for either party if errors arise.

Financial Advisor Quotes in Aberystwyth Wales

You will be asked the level of risk you are ready to accept, if you are seeking advice on investing money. Higher risk investments may potentially offer better rewards, but all or some of your capital could be lost. Good quality investment and financial advice will take into account your savings goals, i.e. how rapidly you need to access your money, how much you have to invest and short or long term investments. "How much can you truly afford to lose?" Is the one crucial question that you should really be asking yourself. This is known as your capacity for loss and might influence the products and services that may be offered to you.

Financial Advice Near Aberystwyth Wales

If you've already got any existing regular outgoing payments, savings, investments or mortgage loans, you'll want to tell your financial advisor about these. They'll need to know this, so that they can get a clear picture of your financial situation and give the best advice for you. Diversifying your investments and savings by spreading the risk load across a range of different products, is an important part of good quality financial advice. A professional financial advisor in Aberystwyth will be aware of the best products to consider, which reflect your financial situation and your goals.

Communicating in the clearest possible way, your financial advisor will lay bare the complex world of investment and finance. After comparing the various services and products which match your needs, you should be in a position to make an informed and knowledgeable decision. If you are mind is firmly on the environment, you can perhaps ask your advisor to stick to ethical investment and savings schemes. This will allow you to give your support to companies and organisations which match your concerns, i.e. green energy or zero carbon, or perhaps staying away from corporations that do not meet your requirements.

Having constant interactions with your financial advisor in Aberystwyth could cause problems with your work life and other obligations. Face-to-face meetings can be complemented with telephone and video conferencing to enable you to seek advice at a time to suit you. A competent financial advice firm in Aberystwyth will have strict measures in place to ensure your details are kept confidential and secure, even if you never have a one-to-one meeting with your advisor, because remote and home working is now so common.


You must always bear in mind that the financial sector can be volatile, and investment values could just as easily go down as well as up. If it happens that your investment fails to make the amount of money you were hoping for, it can be a very disheartening and stressful time. Your investment having a downward trend is not a recognised cause for complaint, unless your financial advisor has supplied you with misleading or wrong information.

Independent Financial Advisor Near Aberystwyth (SY23)

As described in the Key Facts Document, any grievances should start with the company's complaints procedure. If the advisor is registered with the FCA, you can tell the Financial Ombudsman about the matter if it is unsolved within the time schedule set by the regulating body.

After reviewing the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. If it's found that the complaint is justified, a decision will be made on how the customer can be compensated or the situation rectified. This becomes legally binding as soon as it has been accepted by the customer, and the financial advisor and their company must comply with the decision. The Ombudsman will also take into consideration any upset, distress, hassle and inconvenience caused to the client during the process, and set the level of compensation proportionately.

Book a Financial Advisor in Aberystwyth UK

Financial advice can be provided in Aberystwyth and also in: Llangorwen, Pen-y-Garn, Llangawsai, Waun Fawr, Llanbadarn Fawr, Penglais, Penparcau, Comins Coch, Capel Bangor, Bow Street, Clarach, Trefechan, Penyranchor, and in these postcodes SY23 1QR, SY23 2BY, SY23 1JB, SY23 1LU, SY23 1JG, SY23 1PA, SY23 1LP, SY23 1BY, SY23 1TH, SY23 2BH. Locally based Aberystwyth financial advisers will most likely have the postcode SY23 and the dialling code 01970. Verifying this should ensure you access locally based financial advisers. Aberystwyth homeowners can utilise these and many other related services. Click the "enquiry" banner or form to get specifics of financial advisors in your location.

Financial Advisors Wales

Advisors Advisor Financial Advisor Advisers Services Advice SY23 Wales Aberystwyth 01970 Investment Financial Advice Financial

Around Wales you will likewise find: Blackwood independent financial advisors, Llandudno independent financial advisors, Cwmfelinfach independent financial advisors, Caerwys financial advice, Ogmore By Sea financial advisors, St Arvans investment advisors, Gwernaffield Y Waun pension advice, Barmouth investment advice, Resolven financial advice, Llantwit Major financial advisers, Holywell independent financial advisors, Nantyglo financial advisors, Ystrad Mynach independent financial advisors, Connahs Quay independent financial advisors, Soughton pension advice, Ferryside investment advice, Bangor on Dee financial advice, Talgarth pension advice, Ogmore By Sea pension advice, Resolven independent financial advisors, Coedpoeth financial advisors, Brynsadler financial advice, Hawarden financial advice, Llanidloes pension advice, Pwllheli financial advisor, Blackwood financial advice, Ewenny pension advice, Denbigh financial advisors, Amlwch investment advice, Porth investment advisors.

A Financial Advisor's Everyday Tasks

  • Keeping fully abreast of new financial products and law changes.
  • Providing consultation, counselling and education with regards to finances and investments.
  • Updating customers about their investments.
  • Producing financial reports.
  • Keeping detailed records of transactions and clients.
  • Making deals with with financial product providers.
  • Working with peers to collect market information, trends and statistics.
  • Meeting targets for sales and performance.
  • Talking with clients about their plans and finances.
  • Recommending the best-suited financial products to clients.

Aberystwyth Financial Advice Services

Financial Advice Tasks Aberystwyth

There is a variety of services that are provided by your local Aberystwyth financial advisor including multi-asset portfolios, saving for children, portfolio management, business protection, annuity purchases, pension drawdowns in Aberystwyth, mortgage services in Aberystwyth, cash flow modelling, business financial planning, investing an inheritance, savings advice, inheritance tax planning, cashflow planning in Aberystwyth, personal protection, unit trusts, mutual funds, family income benefit in Aberystwyth, ethical investments, bridging finance in Aberystwyth, tax advice, life insurance advice, retirement plans Aberystwyth, trustee investment services, annuities, pension transfer advice in Aberystwyth, divorce financial planning, trusts in Aberystwyth, investment consolidation, financial analyst services, equity release, and lots more. These are just an example of the activities that can be conducted by a financial advisor. Aberystwyth professionals will inform you of their full range of services.

Skills Needed to be a Financial Advisor

  • To be thorough and pay attention to detail.
  • To be capable of using a computer and the main software packages.
  • The ability to sell financial products and services.
  • Good skills in verbal communication.
  • To have the ability to listen attentively
  • A solid knowledge of economics and accounting relating to financial products and markets.
  • Good management skills for negotiating product prices.
  • Excellent customer service skills for establishing client needs and requirements.
  • To have the ability to network and establish relationships with customers.
  • To be self-motivated and organised.
  • An excellent level of numeracy for developing financial strategies.

Financial Advisors Near Aberystwyth

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

Aberystwyth Financial Advice Services

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

Financial Advisors Around Aberystwyth: Financial advice has recently been provided in these Aberystwyth areas and streets - Y Stryd Uchel, Lle'r Ffald, New Street, Pen-maes-glas Road, Trinity Place, Maes Crugiau, Rope Walk, Garth Dinas, Coedlan-y-parc, Cae Melyn, Penparcau Road, Morfa Mawr, Gwel Afon, Fifth Avenue, Piercefield Lane, Second Avenue, Cambrian Street, Brynymor Road, Glyndwr Road, Terrace Road, Bryn Ystwyth, Penglais Road, St Michael's Place, Northgate Street, Maes Iago, Ffordd-y-gogledd, Gray's Inn Road, Stryd Castell, as well as these Aberystwyth area postcodes: SY23 1QR, SY23 2BY, SY23 1JB, SY23 1LU, SY23 1JG, SY23 1PA, SY23 1LP, SY23 1BY, SY23 1TH, SY23 2BH. People in these areas recently needed help from a financial advisor. Aberystwyth residents benefited from reliable and professional financial services on every occasion.

If you're interested in local information relating to Aberystwyth, Wales look here

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

Independent financial advisor in SY23 area, telephone code 01970.

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(This financial advisor Aberystwyth content was checked and updated on 01-09-2022)