Financial Advisor Banstead

Banstead Independent Financial Advice & Investment

Financial Advisor Banstead Surrey (SM7): If you are seeking financial advice for the first time, trying to find a decent financial advisor advisor in the Banstead area can be an intimidating experience. Whether it's investments, pension, mortgage or even insurance guidance that you are after, there is one common rule for all qualified financial advisors; they must all adhere to Financial Conduct Authority regulations. This comes with some guarantees, so after getting advice from a FCA registered financial advisor in Banstead, you can seek recompense from the Financial Ombudsman or the Financial Services Compensation Scheme, if anything goes wrong.

Free Banstead Financial Advisor Quotes

Friends and family recommendations can be a decent starting place in picking a financial advisor in Banstead, but keep in mind that their situation could be different to what you're looking for. Financial advice should be specifically tailored to your unique circumstances, and you will find that some financial advisors might not be suitable for your requirements. To check out the options that they are offering and find a financial advisor that you can trust and feel at ease with, it is wise to talk to at least three different firms, because after all selecting a financial advisor is an important decision.

Financial Advisor Banstead Surrey (SM7)

There are two principal types of financial advisor in Banstead; independent financial advisors and restricted advisors. The good thing about seeing an independent financial advisor is that they won't be confined to just one provider's products and services, and can offer a wide range of options. Independent financial advice must cover the whole gamut of financial products and companies, and should be offered in an unbiased way. If you opt to use an IFA, you will be able to pick from the broadest possible range of products, so as to find the ideal solution for your needs. A restricted financial advisor could be focused on a single product, as with a mortgage advisor, or be restricted to services and products from a specific firm.

The Financial Conduct Authority demands that any Banstead financial advisor must fully discuss their charges with you, before taking you on as a client. Although it varies according to the kind of product or service you're looking for, there could be a set fee, an hourly rate, or you may even be charged a specific percentage of what you're investing. To discuss your aims and see if the advisor is the proper choice for your circumstances, you might be offered the chance of a free initial consultation. In some larger Banstead companies, you might find that your account is being handled by a team as opposed to an individual advisor.

Financial Advisors Banstead UK (01737)

To describe your goals and financial situation to the advising firm, you will be asked to complete a "Fact Find" form, which is a confidential disclosure document. A Key Facts Document, or Initial Disclosure Document will also be handed to you, providing details of the financial advisors themselves, detailing their range of permissions in the financial arena and their situation for offering restricted or independent advice. If you aren't happy with the service provided, and wish to submit a complaint, this document will also lay down your rights and the possible options you can take. It should detail what you are signing up for, and any possible benefits and risks that exist should you choose to take the advice offered, and it should be written in plain language. This document must also tell you about the level of cooling-off period. This permits you to cancel your agreement within a certain number of days, and whenever any penalty charges have to be paid.

When talking to your financial advisor for the first time you'll want to check their experience and qualifications. Asking these questions should never be a cause for embarrassment, because after all you're about to entrust them with your financial future. All Banstead financial advisors must as a minimum hold a Level 4 qualification and be able to present an annual Statement of Professional Standing. When you check the Financial Services Register, you should not stress if your particular financial advisor's name does not show up on there; you ought to be able to find the firm name, and this means that the regulations covers all of their staff. The person can still offer financial guidance as opposed to advice, if these cannot be presented. Guidance is not subject to regulations in the way that financial advice is, meaning that if mistakes are made neither party will have any recourse.

Financial Advisor Quotes in Banstead Surrey

If you are looking for advice on investing money you will be asked the level of risk you're comfortable with. Most investments carry some element of risk, but higher risk investments could offer better rewards, but also more likelihood of losing some or all of your funds. Decent financial and investment advice will take you savings objectives into consideration, i.e. how much cash you want to invest, how quickly you need access to your money and long or short term investments. "How much can you truly afford to lose?" Is the one vital question that you should really be asking yourself. This might affect the products and services that you are offered, and is referred to as your 'capacity for loss'.

Financial Advice Near Banstead Surrey

You will need to let your financial advisor know about your current investments, personal savings, regular payments or mortgages. This gives a clear and full picture of your financial situation, and without this the advice you get might not be the most appropriate for you. The diversification of your savings and investments by spreading the risk across different products, is a crucial part of sound financial advice. A certified financial advisor in Banstead will have the knowledge of the best products to consider, which mirror your financial situation and your goals.

A financial advisor will reveal the multifaceted world of finance, and try to speak in as plain a speech as possible. This will permit you to compare services and products that meet your needs, and make an informed decision. You could perhaps ask your financial advisor only to include ethical savings and investment schemes. This doesn't just give you investment opportunities, but also allows you to lend your support to renewable energy or zero carbon projects, and steer clear of businesses that don't share the same values as you do.

It can prove difficult to manage your work day and other responsibilities around a close working relationship with your financial advisor in Banstead. This can be alleviated by supplementing one-on-one appointments with video conferencing and phone calls, thus allowing you to get the advice you need at times that are convenient. An established financial advice provider in Banstead will have strict measures in force to keep your details confidential and secure, even if you never have a one-to-one meeting with your personal advisor, because home and remote working is no longer unusual.


You must always bear in mind that the financial world is an unpredictable sector, and the value of your investments can just as easily drop as well as rise. If your investment is not making as much money as you hoped for, it can be extremely stressful and frustrating. A downward spiraling of your investment isn't a recognised basis for complaint, unless your advisor has given you misleading or wrong information.

Independent Financial Advisor Near Banstead (SM7)

As indicated in the Key Facts Document, any grievances should start with the company's complaints procedure. If the issue remains unresolved within the time-frame stipulated by the regulating authority, and the advisor is a member of the Financial Conduct Authority, you can advise the Financial Ombudsman.

The Financial Ombudsman will look into the cause for complaint and come to a decision. A decision will be made on how to financially compensate the client, if the complaint is upheld. This becomes a legally binding decision as soon as it has been agreed on by the customer, and the advisor and their firm must abide by the decision. Any upset, distress, trouble and inconvenience caused to the client during the dispute, will be accounted for when the Financial Ombudsman fixes the level of compensation.

Book a Financial Advisor in Banstead UK

Financial advice can be provided in Banstead and also in: Stoneleigh, Sutton, Motspur Park, Coulsdon, Chipstead, Wallington, Woodmansterne, Ashtead, Burgh Heath, Carshalton on the Hill, Ewell, Belmont, Epsom, Cheam, Morden, Nork, Hooley, and in these postcodes SM7 1DQ, KT20 6AH, SM7 1AT, KT20 6DZ, KT20 6BA, KT20 6DR, SM7 1DN, SM7 1AF, SM5 4HA, KT20 6AG. Local Banstead financial advisors will probably have the postcode SM7 and the phone code 01737. Simply click on the "enquiry" banner or form to get details about financial advisors in your area.

Surrey Financial Advice Enquiries

Financial Advice Enquiries Surrey

Latest Surrey financial advice enquiries: Raphael and Amelia-Lily Ferreira from Chobham recently asked for information on financial planning. Mr and Mrs Mackenzie from Cobham recently asked for information on offshore investments. Rudi Pilkington from Ewhurst, Surrey recently asked for information on investment bonds. Mr and Mrs Clifton from Shepperton, Surrey recently enquired about financial planning. Amirah Wells from Deepcut, Surrey recently enquired about investment bonds. Lilly-Mae Dixon from Effingham recently enquired about equity release. Alesha Hope from Flexford, Surrey recently enquired about equity release. Ella-Mae Mohamed and Yusuf Mohamed from Caterham, Surrey recently asked for information on financial planning.

Banstead Financial Advice Services

Financial Advice Tasks Banstead

There is a range of services that are provided by your local Banstead financial advisor including stakeholder pension advice, cash flow modelling in Banstead, cheap financial advice, equity release advice, pension reviews in Banstead, investment planning, corporate financial planning, ethical investments Banstead, annuities in Banstead, pension transfers in Banstead, financial services, mutual funds, bridging finance, cashflow analysis in Banstead, pension plans, portfolio management, long term care fee advice, financial analyst services, will writing services Banstead, pension planning Banstead, financial planning in Banstead, family income benefit in Banstead, investment advice, ISA's, corporate bonds in Banstead, and more.


Financial Advisors Near Banstead

Also find: Carshalton on the Hill financial advisors, Nork financial advisors, Burgh Heath financial advisors, Woodmansterne financial advisors, Coulsdon financial advisors, Belmont financial advisors, Hooley financial advisors, Ewell financial advisors, Chipstead financial advisors, Epsom financial advisors, Motspur Park financial advisors, Wallington financial advisors, Cheam financial advisors, Stoneleigh financial advisors, Sutton financial advisors, Morden financial advisors, Ashtead financial advisors and more.

Banstead Financial Advice Services

Find a Financial Advisor in Banstead Here
Financial Advice Enquiries in Banstead Surrey (01737)
  • Banstead Financial Services
  • Banstead Investment Advice
  • Banstead Trustee Investments
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  • Banstead Estate Planning
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  • Banstead Cashflow Analysis
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  • Banstead Mortgage Advice
  • Banstead Life Insurance Advice
  • Banstead Corporate Financial Planning
  • Banstead Pension Advice
  • Banstead Wealth Management

More Banstead Services: Not surprisingly, when you're looking at your finances in Banstead, Surrey, you'll likely be in need of all sorts of different services and aside from a financial advisor in Banstead, Surrey, you might additionally need payroll services in Banstead, investment advisors in Banstead, bookkeepers in Banstead, contracts lawyers in Banstead, family lawyers in Banstead, mortgage advice in Banstead, debt recovery & collection in Banstead, wills in Banstead, tax preparation in Banstead, estate planning in Banstead, business financial planning in Banstead, accountants in Banstead, solicitors in Banstead, property law & conveyancing in Banstead, mortgage brokers in Banstead, banruptcy lawyers in Banstead, business consulting in Banstead, and other different Banstead experts.

Financial Advisors Around Banstead: Some Banstead areas and streets where financial advice has recently been given - Garton Bank, Orchard Close, Pound Road, Kingsley Avenue, North Acre, Holly Hill Drive, Stirling Close, Rosehill Farm Meadow, The Horseshoe, Courtlands Crescent, The Maples, High Down Lane, Lambert Road, Greenhayes Avenue, Grange Gardens, Tattenham Way, Cheyne Court, Clifton Place, Holly Lane East, The Tracery, Garratts Lane, Buff Avenue, Wellesford Close, Chiltons Close, The Oval, Wood Lane, as well as the following Banstead area postcodes: SM7 1DQ, KT20 6AH, SM7 1AT, KT20 6DZ, KT20 6BA, KT20 6DR, SM7 1DN, SM7 1AF, SM5 4HA, KT20 6AG.

To get local information relating to Banstead, Surrey look here

Independent financial advisor in SM7 area, phone code 01737.

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(This financial advisor Banstead article was revised and updated on 06-05-2022)