Financial Advisor Amersham Buckinghamshire (HP6): If you're in search of financial advice for the very first time, trying to find a decent independent financial advisor in the Amersham area can be an intimidating experience. However, all financial advisors have one thing in common; they must all observe the regulations of the FCA (Financial Conduct Authority), regardless of whether you are looking for mortgage, pensions, investment or even insurance advice. Any advice given through a FCA authorised financial advisor in Amersham comes with certain guarantees that if things go awry, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman.
Relatives and friends recommendations can be a good starting point in choosing a financial advisor in Amersham, but bear in mind that their situation may be different to what you are looking for. Their advice needs to be tailored to your unique situation, and not every financial advisor is suitable for everyone. To explore the options they're offering and find a financial advisor that you can trust and feel comfortable with, it is a good idea to talk to at least three different firms, because picking a financial advisor is a major decision.
When it comes to picking a financial advisor in Amersham, there are essentially two main types; independent financial advisors and restricted advisors. The benefit of using an independent financial advisor is that they will not be confined to just one company's services and products, and can offer a more diverse range of options. Independent financial advice should be offered in an impartial and unbiased way and should cover the whole spectrum of financial products and companies. If you choose to use an IFA, you'll be able to choose from the widest possible array of products, so as to find the perfect solution for you. A restricted financial advisor may be tied to services and products from a single provider, or might even focus on a specific product, as can be the case with a mortgage advisor.
The FCA requires that any Amersham financial advisor must discuss their charges with you, before taking you on as a client. Based on the type of product you are looking for, you could be charged by the hour, a set fee or maybe even a percentage of your investment value. You may be offered the chance of a free initial consultation to allow you to discuss your objectives and find out if the advisor is a good fit for your circumstances. In some larger Amersham firms, you may find that your account is being handled by a team rather than an individual.
You will need to fill in a "Fact Find" form, which is a confidential disclosure document relating your financial situation and objectives to the advising company. You'll also be given an Initial Disclosure Document, or Key Facts Document, which provides information regarding the financial advisor, their status to offer restricted or independent advice and their scope of permissions in the financial arena. This document will also lay out your legal rights and your options if you're not satisfied with the service provided, and wish to complain. It should describe precisely what you're signing up for, and any possible benefits and risks if you opt to take the advice offered, and it must be set down in clear language. The cooling-off period should also be explained in this Key Facts Document. This enables you to have a change of heart within a specific time period, and cancel the contract with your financial advisor.
Ensure that you check the experience and qualifications of the financial advisor the first time you talk to them. After all you are on the verge of entrusting your long-term financial wellbeing to their expertise, so you should not be embarrassed about asking such questions. All financial advisors in Amersham must hold at least a Level 4 qualification and present an annual Statement of Professional Standing. If your advisor's name doesn't appear on the Financial Services Register, you shouldn't stress, the firm the individual works for should be found on the register and their staff are all covered by the legislation. If these can't be provided the person can still offer financial guidance instead of financial advice. In terms of finance guidance is somewhat different to advice and isn't regulated in the same way. Therefore there is no recourse for either party if financial errors are made.
You will be asked about the amount of risk you're willing and able to take, if you are seeking advice on investments. High risk investments may potentially offer bigger rewards, however all or some of your funds could be lost. Good investment and financial advice should take you savings objectives into consideration, i.e. how much you have to invest, long or short term investments and how rapidly you need to access your money. You must invariably ask yourself the one vital question, how much can you truly afford to lose. This is known as your 'capacity for loss' and could affect the services and products that could be offered to you.
If you've already got any current mortgage loans, regular outgoings, savings or investments, you need to tell your financial advisor about these. To ensure that you receive the best advice for you, they need to have a full and clear picture of your financial situation. Spreading the risk across various different products by diversifying your investments and savings, is something that good financial advice should encompass. So as to mirror your goals and financial situation, a professional financial advisor in Amersham will be aware of the best products to consider.
A financial advisor will throw open the complex world of finance, and try to converse in as much plain speech as possible. This will help you to compare products and services which match your needs, and make an informed decision. You could maybe ask your financial advisor to only specify ethical investments and savings. You can then avoid businesses that firms meet your requirements, and instead lend your support to those firms and enterprises that address your concerns, for instance green energy or zero carbon.
It can prove tricky to manage your work day and other commitments around a close working relationship with a financial advisor in Amersham. To enable you to seek advice at a time to suit you, one-on-one appointments can be augmented with telephone and video conferencing. Even if you rarely have a one-to-one meeting with your advisor, a professional financial advice company in Amersham will have stringent measures in force to ensure your details are kept secure and confidential, because home and remote working is now a large part of our society.
Investments can easily go down as well as up, because the financial sector can be volatile. If it just so happens that your investment fails to make as much money as you hoped for, it can be an extremely demoralising and stressful time. However, except if it is because of misleading or wrong information from your advisor a downward spiraling of your investment is not a recognised basis for complaint.
The company's official complaints procedure should be the starting place for any disputes, and the Key Facts Document should explain this. If the advisor is registered with the FCA, you can let the Financial Ombudsman know about the matter if it remains unresolved within the timeframe stipulated by the regulating body.
The Financial Ombudsman will look into the cause of the complaint and make a ruling. A decision will be made on how to rectify or financially compensate the client, if the complaint is justified. This becomes legally binding as soon as it has been accepted by the client, and the advisor and their firm must comply with the ruling. Any compensation laid down by the Financial Ombudsman will also take into consideration any distress, inconvenience, hassle and annoyance caused to the client during the process.
Financial advice can be provided in Amersham and also nearby in: Wendover, Hyde End, Chesham Bois, Bovingdon, Chalfont St Giles, Waterside, Hyde Heath, Great Missenden, Little Missenden, Flaunden, Chipperfield, Coleshill, Little Chalfont, Chesham, Latimer, Ley Hill, and in these postcodes HP6 5JX, HP6 5ER, HP6 5EY, HP6 5NT, HP6 5AJ, HP6 5ZZ, HP6 5HQ, HP6 5JL, HP6 5QX, HP6 6AU. Local Amersham financial advisers will probably have the postcode HP6 and the telephone code 01494. Click the "enquiry" form or banner to get information on financial advisors in your area.
Amersham Financial Advice Services
There are a number of different services that can be provided by your local Amersham financial advisor including general financial planning, will writing services, unit trusts, annuities, ISA's, pension planning, pension reviews in Amersham, portfolio management, pension consolidation, corporate financial planning Amersham, financial analyst services, personal financial planning, pension drawdowns in Amersham, pension plans, family income benefit Amersham, independent financial advice Amersham, wealth management & investments, bridging finance, inheritance tax planning Amersham, long term care fee planning Amersham, pension transfer advice, corporate bonds in Amersham, trustee investment services in Amersham, business financial planning, tax planning, and lots more.
The Day to Day Duties of a Financial Advisor
- A financial advisor works in conjuction with associates to gather trends, statistics and market information.
- A financial advisor maintains a record of potential transactions and customers.
- A financial advisor recommends the financial products that are best-suited to clients.
- A financial advisor meets sales and performance targets.
- A financial advisor collaborates with providers of financial products.
- A financial advisor keeps abreast of legislation changes and new financial products.
- A financial advisor provides counselling, consultation and education with regards to finances and investments.
- A financial advisor talks with customers about their finances and plans.
- A financial advisor constantly updates customers about their investments.
- A financial advisor produces comprehensive financial reports.
Required Skills for Financial Advisors
- A competent level of maths knowledge for creating financial strategies.
- To pay attention to detail and be thorough.
- Outstanding verbal communication skills.
- Excellent business management skills for negotiating product rates.
- The ability to promote services and products.
- To have the ability to use a computer and the primary software applications.
- To have the ability to network and establish solid relationships with clients.
- Excellent customer service skills for identifying customer requirements.
- To have active interpersonal and listening skills.
- An excellent understanding and knowledge of economics and accounting relating to financial markets and products.
- To have a goal driven mindset.
Financial Advisors Near Amersham
Also: Chalfont St Giles financial advisors, Hyde End financial advisors, Wendover financial advisors, Ley Hill financial advisors, Chesham financial advisors, Little Missenden financial advisors, Chesham Bois financial advisors, Coleshill financial advisors, Little Chalfont financial advisors, Latimer financial advisors, Great Missenden financial advisors, Chipperfield financial advisors, Bovingdon financial advisors, Flaunden financial advisors, Waterside financial advisors, Hyde Heath and more.
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Financial Advisors Around Amersham: In the last 12 months financial advice was provided in these Amersham streets: Shortway, The Rise, Charter Drive, Spinney Place, Station Road, The Larches, Ashleigh Close, The Common, The Meadows, Salisbury Close, The Penningtons, Sheepcote Dell Road, Beaconsfield Road, Chequers Hill, Brays Green Lane, The Bit, Chiltern Avenue, Bell Lane, The Drive, Chalfont Station Road, Appleton Close, Copperkins Grove, Boughton Way, Chalk Lane, Broadway Close, Bullbaiters Lane, The Limes, Chiltern Road, Saunders End, and in these Buckinghamshire postcodes: HP6 5JX, HP6 5ER, HP6 5EY, HP6 5NT, HP6 5AJ, HP6 5ZZ, HP6 5HQ, HP6 5JL, HP6 5QX, HP6 6AU.
Amersham Bucks (Buckinghamshire): The pretty market town of Amersham can be found in the South Eastern district of England in the county of Buckinghamshire (Bucks). Amersham is around 9 miles from High Wycombe and 15 miles from Aylesbury, neighbouring places include Waterside, Wendover, Chalfont St Giles, Chipperfield, Flaunden, Little Missenden, Ley Hill and Chesham Bois. Amersham has the postcode HP6 - HP7, has the dialling code 01494 and has a population of approximately 14,000. Amersham is split into two areas; Amersham-on-the-Hill and Old Amersham, it is within London's commuter belt. To get local Amersham information click here. (Tags: Amersham Bucks, Amersham England, Amersham Buckinghamshire, Amersham United Kingdom)
Financial Adviser Jobs Amersham: Browse financial adviser jobs near Amersham here: General Financial Advisor Jobs
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Independent financial advisor in HP6 area, 01494.
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