Financial Advisor Atherstone

Atherstone Independent Financial Advice & Investment

Financial Advisor Atherstone Warwickshire (CV9): It can be a daunting experience trying to locate a reliable financial advisor advisor in the Atherstone area, especially if it is the first time that you are needing financial advice. Whether it's investment, pension, mortgage or even insurance advice that you're looking for, there's one common rule for all qualified financial advisors; they must all abide by Financial Conduct Authority regulations. The benefit of this is that should a financial advisor who is FCA certified give you poor advice, and anything goes awry, you've got guarantees, and can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to have it put right.

Free Atherstone Financial Advisor Quotes

A good starting point when picking a financial advisor in Atherstone may be family and friends, but bear in mind that the type of advice you are searching for may be different to theirs. Not every financial advisor is suitable for everyone, and any advice they provide should be personalised to your particular situation. To check out the options that they're offering and find a financial advisor that you feel comfortable with and can trust, it is wise to speak to at least 3 different companies, because after all choosing a financial advisor is a major decision.

Financial Advisor Atherstone Warwickshire (CV9)

When it comes to picking a financial advisor in Atherstone, there are two main types; independent financial advisors and restricted advisors. Offering a broader range of options, an IFA won't be restricted to just one provider's products and services. Independent financial advice should be provided in an impartial way and should cover the full gamut of financial products and companies. If you elect to use an IFA, you will be able to select from the widest possible range of products, so as to find the ideal solution for you. A restricted financial advisor might be concerned with a single product, such as a mortgage advisor, or be limited to services and products from one particular firm.

Before taking you on as a client, any Atherstone financial advisor must discuss their charges with you, as demanded by the Financial Conduct Authority. Dependant upon the product you are looking for, you could be charged a set fee, by the hour or maybe even a percentage of your investment. A free preliminary consultation will sometimes be offered, so that you can discuss your aims and situation to find out if the advisor is a good fit. In some of the larger Atherstone companies, you might find that your account is managed by a team as opposed to an individual advisor.

Financial Advisors Atherstone UK (01827)

You will be required to fill in a "Fact Find" document, which is a confidential disclosure form relating your aims and financial situation to the advising company. You will also be given a Key Facts or Initial Disclosure Document, which gives you information on the financial advisor, their situation for offering restricted or independent advice and their scope of permissions in the financial market. If you aren't satisfied with the service, and wish to make a complaint, this document will also lay down your rights and your options. It must be simple to understand, written in plain English, and outline exactly what you are committing yourself to, together with the risks and benefits of taking the proffered advice. You can find the amount of cooling-off period in this document. Within a specific time period, this allows you to cancel the contract.

You need to check what qualifications and experience the financial advisor has the first time you speak to them. You should not be self-conscious about asking these questions, after all you're on the verge of entrusting your long-term financial wellbeing to their expertise. All financial advisors in Atherstone must as a minimum hold a Level 4 qualification and be able to present an annual Statement of Professional Standing. If your advisor's name doesn't appear on the Financial Services Register, you shouldn't freak out, the firm the advisor works for will almost certainly be on the register and their employees will be covered by the regulations. If these can't be presented the individual may still offer financial guidance rather than financial advice. Guidance isn't subject to regulations in the same way as financial advice, which means that if errors occur the client won't have any recourse.

Financial Advisor Quotes in Atherstone Warwickshire

If you are seeking advice on investing money you'll be asked about the amount of risk you are willing and able to take. Most investments carry some degree of risk, but higher risk investments could potentially offer substantial rewards, but also more chance of losing some or all of your funds. Good quality financial and investment advice will take you savings goals into consideration, i.e. long or short term investments, how quickly you need to access your funds and how much money you want to invest. One question you should ask yourself, which is normally ignored, is how much money you can afford to lose. Generally referred to as your 'capacity for loss', this will quite likely affect the services and products that you are offered.

Financial Advice Near Atherstone Warwickshire

If you have already got any existing mortgages, regular outgoing payments, savings accounts or investments, you must tell your financial advisor about these. To make certain that you get the most appropriate advice for you, they need to gather a full and clear picture of your financial circumstances. Smart financial advice should include diversifying your savings and investments by spreading the risk across various different products. So as to match your goals and financial situation, an experienced financial advisor in Atherstone will have the knowledge of the best areas to consider.

A financial advisor will throw open the multifaceted world of finance, and speak in as much plain speech as possible. You should be in a position to come to an informed decision when you have compared the various products and services which meet your needs. If you are mind is firmly on the environment, you can ask your advisor to stick to ethical investment and savings schemes. You will then be able to steer clear of businesses that investments meet your standards, and instead support those organisations and firms that match your concerns, for instance zero carbon or green energy.

Working closely with your financial advisor in Atherstone can be difficult to fit in around your work day and other responsibilities. One-on-one meetings can be backed up with video conferencing and telephone to enable you to seek advice at times that suit you. Home and remote working is now a large part of our society, and an experienced financial advice company in Atherstone will have stringent measures in force to keep your details secure and confidential, even if you rarely have a face-to-face meeting with your personal advisor.


Investments can just as easily go down as well as up, because the financial world can be volatile. If it happens that your investment isn't making the amount of money you hoped for, it can be an extremely worrying and demoralising time. Regrettably, a downward spiral in your investment is not seen as a cause for complaint, unless of course it's down to wrong or misleading information from your advisor.

Independent Financial Advisor Near Atherstone (CV9)

Any grievances should start with the firm's official complaints procedure as laid out in the Key Facts Document. If the issue is unsolved within the time schedule stipulated by the regulating body, and the financial advisor is a member of the Financial Conduct Authority, you can contact the Financial Ombudsman.

The Financial Ombudsman will make a ruling after reviewing the cause of the complaint independently. If it's found that the complaint is justifiable, a decision will be made on how the customer can be compensated or the situation rectified. On acceptance by the client, the decision becomes legally binding, and the advisor and their company must comply with it. Any compensation set by the Financial Ombudsman will also account for any distress, annoyance, inconvenience and trouble caused to the client during the situation.

Book a Financial Advisor in Atherstone UK

Financial advice can be provided in Atherstone and also in nearby places like: Ailstone, Halford, Pebworth, Goldicote, Long Marston, Ilmington, Stratford upon Avon, Ettington, Clifford Chambers, Alderminster, Newbold on Stour, Preston on Stour, Mickleton, Lower Quinton, and in these postcodes CV9 2AS, CV9 1HR, CV9 1DN, CV9 1BU, CV9 2AY, CV9 1DF, CV9 1EP, CV9 1HL, CV9 1LS, CV9 1PS. Locally based Atherstone financial advisers will likely have the postcode CV9 and the telephone code 01827.

A Financial Advisor's Day to Day Tasks

  • Financial advisors keep a record of potential customers and transactions.
  • Financial advisors research financial products and explain them simply and clearly to their customers.
  • Financial advisors work together with their peers to obtain trends, statistics and market information.
  • Financial advisors update clients about their investments.
  • Financial advisors keep up to date with regulation changes and new products.
  • Financial advisors provide counselling, education and consultation regarding investments and finances.
  • Financial advisors produce detailed financial reports.
  • Financial advisors talk to clients regarding their plans and finances.
  • Financial advisors thrash out advantageous deals with with providers of financial products.
  • Financial advisors meet sales and performance targets.

The Skills to be Financial Advisors

  • To have a flexible work ethic.
  • To be thorough and pay attention to detail.
  • An excellent level of maths knowledge for developing financial packages.
  • Excellent skills in verbal communication.
  • To be able to network and build relationships with customers.
  • A solid understanding of economics and accounting associated with financial markets and products.
  • To have attentive listening skills.
  • Good customer service skills for establishing client requirements and needs.
  • To be good at promoting services and products.
  • Effective management skills for negotiating product rates.
  • To have good IT skills.

Atherstone Financial Advice Services

Financial Advice Tasks Atherstone

There is a wide range of services that can be provided by your local Atherstone financial advisor including mutual funds, inheritance tax planning, financial analyst services Atherstone, annuity purchase, cheap financial advice, divorce planning, investment advice, pension consolidation Atherstone, pension transfers, equity release advice, cash flow modelling in Atherstone, will writing services, trusts in Atherstone, offshore investment advice, business planning, income protection in Atherstone, life insurances, bridging finance, financial services Atherstone, unit trusts in Atherstone, trustee investment services, life assurance Atherstone, ethical investment advice in Atherstone, investment bonds in Atherstone, pension reviews in Atherstone, and more.


Financial Advisors Near Atherstone

Also find: Pebworth financial advisors, Long Marston financial advisors, Preston on Stour financial advisors, Newbold on Stour financial advisors, Alderminster financial advisors, Ailstone financial advisors, Halford financial advisors, Lower Quinton financial advisors, Clifford Chambers financial advisors, Ettington financial advisors, Stratford upon Avon financial advisors, Ilmington financial advisors, Mickleton financial advisors, Goldicote financial advisors and more. Almost all of these towns and areas are catered for by financial advisors. Property owners in these areas can make enquiries about financial advice by clicking here.

Atherstone Financial Advice Services

Find a Financial Advisor in Atherstone Here
Financial Advice Enquiries in Atherstone Warwickshire (01827)
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Financial Adviser Jobs Atherstone: See financial adviser jobs in Atherstone here: General Financial Advisor Jobs

Independent financial advisor in CV9 area, (dialling code 01827).

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(This financial advisor Atherstone information was edited and updated on 20-02-2024)