Financial Advisor Barton-on-Sea

Barton-on-Sea Independent Financial Advice & Investment

Financial Advisor Barton-on-Sea Hampshire (BH25): If you are in search of financial advice for the first time, trying to locate a first-rate independent financial advisor in Barton-on-Sea can be a daunting experience. Nevertheless, all financial advisors are bound by one simple rule; they must all conform to the regulations set by the Financial Conduct Authority, regardless of whether you are after mortgage, investments, pension or even insurance guidance. The good thing about this is that should a financial advisor who is FCA approved give you poor quality advice, and things go awry, you've got guarantees, and are able to go to the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to get things put right.

Free Barton-on-Sea Financial Advisor Quotes

Friends and family recommendations can be a good starting place in selecting a financial advisor in Barton-on-Sea, but keep in mind that their situation might be different to what you're looking for. Every financial advisor is not suitable for everybody, and their advice should be adapted to your particular circumstances. Selecting the right financial advisor is crucial and it is wise to speak to at least three different firms so as to check out the various options they can provide, and to find one that you can trust and feel at ease with.

Financial Advisor Barton-on-Sea Hampshire (BH25)

There are 2 main types of financial advisor in Barton-on-Sea; independent financial advisors and restricted advisors. Offering a more extensive range of options, an independent financial advisor will not be limited to the services or products of just one company. Encompassing the whole spectrum of financial products and companies, independent financial advice should be offered in an unbiased and impartial way to clientele. If you choose to use an independent financial advisor, you'll be able to pick from the broadest possible array of services, so as to find the perfect solution for you. If you use a restricted advisor you will soon realise that they might be restricted to products and services of a specific company, or as in the case of a mortgage advisor, might only be concerned with one individual product.

Before any financial advisor in Barton-on-Sea takes you on as a client, they're required by the FCA to tell you about their charges. Although it varies determined by the type of service you are interested in, there could be an hourly rate, a set fee, or you could even be charged a percentage of the money you are investing. To discuss your aims and see if the advisor is suitable for your circumstances, a free preliminary consultation may be offered. Your account may be managed by a team rather than a single advisor, if you elect to use one of the larger Barton-on-Sea companies.

Financial Advisors Barton-on-Sea UK (01425)

Before any financial advice is handed out you will be required to complete a confidential disclosure form, called a "Fact Find" document, which informs the advising company about your financial situation and desired goals. An Initial Disclosure Document, or Key Facts Document will also be given to you, providing information on the financial advisors themselves, explaining the extent of their permissions in the financial market and their situation for offering restricted or independent advice. If you aren't satisfied with the service, and wish to complain, this document should also set down your own rights and your options. It has to be written in plain English and describe what you're committing yourself to, and any potential benefits and risks that exist if you elect to go along with the offered advice. This document will also inform you about the level of cooling-off period. This enables you to cancel your agreement within a specific number of days, and whenever any penalties are incurred.

Ensure that you check the experience and qualifications of the financial advisor when you first speak to them. Asking such questions should not cause you any embarrassment, because you are about to entrust them with your long-term financial wellbeing. Every Barton-on-Sea financial advisor must be in a position to present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. If your advisor's name doesn't show up on the Financial Services Register, you should not panic, the firm the person works for will almost certainly be on the register and their advisors will be covered by the legislation. The person can still offer financial guidance rather than advice, if these cannot be provided. Guidance is not subject to regulations in the same way as financial advice, meaning that if errors occur the client won't have any recourse.

Financial Advisor Quotes in Barton-on-Sea Hampshire

If it's investing money that you're interested in, the advisor will need to know the level of risk you might be willing to accept with your hard-earned money. Most investments carry some element of risk, but high risk investments could offer larger rewards, and also more chance of losing some or all of your capital. In order to get the most beneficial investment and financial advice, your savings goals must be carefully considered, i.e. how much you wish to invest, short or long term investments and how rapidly you need to access your funds. One question you should ask yourself, which is normally neglected, is how much money you can afford to lose. This might influence the services and products that could be offered for your consideration, and is generally known as your 'capacity for loss'.

Financial Advice Near Barton-on-Sea Hampshire

From the outset, it is important to let your financial advisor know about any regular outgoing payments, mortgage loans, investments or personal savings that you currently have. This will provide a clear picture of your current financial circumstances, without which the advice given may not be the most suitable for you. Diversifying your investments and savings by spreading the risk across different products, is a crucial part of reliable financial advice. With an understanding of the best areas to consider, a competent financial advisor will focus attention on products that match your financial circumstances and goals.

Your financial advisor will communicate in the clearest possible way, to open up the multifaceted world of finance. After comparing the various services and products which meet your needs, you should be able to make an informed and considered decision. If you're mind is firmly on the environment, you could perhaps ask your advisor to stick to ethical savings and investment schemes. This will allow you to give your support to firms and businesses that address your concerns, i.e. zero carbon or renewable energy, or perhaps avoiding investments that don't meet your criteria.

It could prove difficult to manage work and other responsibilities around a close working relationship with your financial advisor in Barton-on-Sea. One-on-one meetings can be augmented with video conferencing and phone calls to allow you to get advice at a time to suit you. Remote and home working is now so common, and an experienced financial advice company in Barton-on-Sea will have stringent measures in force to keep your details secure and confidential, even if you rarely have a one-on-one meeting with your advisor.


Investment values can drop as well as rise, and this is a factor that you have to bear in mind. If your investment fails to make as much money as you were hoping for, it can be very stressful and disheartening. Unfortunately, your investment having a downward trend isn't a recognised cause for complaint, except if it's down to misleading or incorrect information from your financial advisor.

Independent Financial Advisor Near Barton-on-Sea (BH25)

As described in the Key Facts Document, any complaints should start with the firm's complaints procedure. You can let the Financial Ombudsman know about the situation if it remains unsolved within the time-frame stipulated by the regulating authority, and your advisor is registered with the FCA.

The Financial Ombudsman will make a ruling after independently reviewing the cause of the complaint. A decision will be made on how to rectify or financially compensate the client, if the complaint is upheld. Once agreed on by the customer, the ruling will become a legally binding one, and the advisor and their firm must abide by it. Any distress, annoyance, trouble and inconvenience caused to the client during the situation, will be considered when the Financial Ombudsman establishes the level of compensation.

Book a Financial Advisor in Barton-on-Sea UK

Financial advice can be provided in Barton-on-Sea and also nearby in: Hordle, Friars Cliff, Downton, Ashley, Stanpit, Old Milton, Sway, Hinton, New Milton, Somerford, Everton, Highcliffe, Milford-on-Sea, Christchurch, Mudeford, Walkford, together with these postcodes BH25 7HG, BH23 5JY, BH25 6UH, BH25 5PT, BH25 7DX, BH25 7AJ, BH25 7HE, BH25 7LJ, BH25 7JE, BH25 7LL. Local Barton-on-Sea financial advisers will likely have the dialling code 01425 and the postcode BH25. Checking this should ensure you access locally based financial advisers. Barton-on-Sea home and business owners are able to benefit from these and numerous other similar services.

Barton-on-Sea Financial Advice Services

Financial Advice Tasks Barton-on-Sea

There are a wide array of services which can be provided by your local Barton-on-Sea financial advisor including corporate financial planning, ethical investment advice Barton-on-Sea, cashflow analysis, tax advice, annuity purchase, pension reviews, offshore investment advice, money planning, critical illness cover in Barton-on-Sea, pension consolidation, family income benefit Barton-on-Sea, financial services, pension transfers, income protection advice Barton-on-Sea, pension advice, pensions in divorce in Barton-on-Sea, savings advice in Barton-on-Sea, trustee investment services Barton-on-Sea, unit trusts in Barton-on-Sea, retirement plans, independent financial advice Barton-on-Sea, pension drawdowns, pension planning, business protection, inheritance tax planning in Barton-on-Sea, life insurance, investing an inheritance in Barton-on-Sea, bridging finance Barton-on-Sea, investment bonds, ISA's, and lots more. These are just a small portion of the activities that can be carried out by a financial advisor. Barton-on-Sea professionals will tell you about their full range of financial services.


Financial Advisors Near Barton-on-Sea

Also find: Hordle financial advisors, Christchurch financial advisors, Sway financial advisors, Stanpit financial advisors, Friars Cliff financial advisors, Hinton financial advisors, Somerford financial advisors, Highcliffe financial advisors, Old Milton financial advisors, Ashley financial advisors, Milford-on-Sea financial advisors, Downton financial advisors, Walkford financial advisors, Mudeford financial advisors, Everton financial advisors, New Milton financial advisors and more. The majority of these areas are covered by local financial advisers. Barton-on-Sea residents can get estimates by clicking here.

Barton-on-Sea Financial Advice Services

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Financial Advice Enquiries in Barton-on-Sea Hampshire (01425)
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Financial Advisors Around Barton-on-Sea: Some Barton-on-Sea areas and roads where financial advice has recently been given - Danes Close, Royston Place, Three Acre Drive, Bouverie Close, Dolphin Place, Sea Road, Purbeck Road, The Close, Byron Road, Sandmartin Close, White Knights, Silverdale, Dilly Lane, The Fairway, East Close, Barton Wood Road, Edmunds Close, Fairfield Road, Pine Close, Barton Way, Naish Road, Barton Green, Powers Court Road, Carlton Avenue, as well as these Barton-on-Sea area postcodes: BH25 7HG, BH23 5JY, BH25 6UH, BH25 5PT, BH25 7DX, BH25 7AJ, BH25 7HE, BH25 7LJ, BH25 7JE, BH25 7LL. Folks living in these local areas recently needed help from a financial advisor. Barton-on-Sea residents were given dependable and high quality financial services in every case.

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To get local info regarding Barton-on-Sea, Hampshire click here

Independent financial advisor in BH25 area, (dialling code 01425).

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(This financial advisor Barton-on-Sea article was edited and updated on 01-09-2022)