Financial Advisor Bath

Bath Independent Financial Advice & Investment

Financial Advisor Bath Somerset (BA1): Finding a decent financial advisor advisor in Bath can be a challenging experience, in particular if you're needing financial advice for the first time. Whether you're searching for pensions, mortgage, investments or even insurance guidance, all financial advisors have one thing in common; they must all adhere to the regulations laid down by the Financial Conduct Authority. Any advice given through a FCA certified financial advisor in Bath comes with guarantees that if anything should go awry, you can get in touch with the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Free Bath Financial Advisor Quotes

A decent starting place when choosing a financial advisor in Bath could be friends and relations, but remember that the type of advice you're searching for could be different to theirs. Financial advice must be specifically tailored to your particular circumstances, and you'll discover that certain financial advisors might not be appropriate for your requirements. To explore the various options that they can provide and find a financial advisor you feel comfortable with and can trust, it is a good idea to talk to at least three different companies, because choosing a financial advisor is an important decision.

Financial Advisor Bath Somerset (BA1)

There are two principal types of financial advisor in Bath; restricted advisors and independent financial advisors. An independent financial advisor will not be limited to just one company's services and products. Encompassing the full spectrum of financial companies and products, independent financial advice must be offered in a frank and unbiased way to clientele. If you choose to use an independent financial advisor, you will be able to choose from the broadest possible range of products, so as to find the right solution for your needs. If you use a restricted financial advisor you'll discover that they might be limited to products and services of a specific firm, or as with a mortgage advisor, might only be involved with one product.

Before any financial advisor accepts you as a client, they're required by the FCA to be fully transparent with you about their charges. Determined by the type of product you're interested in, you could be charged by the hour, a set fee or maybe even a percentage of your investment. A free initial consultation may be offered, so you can discuss your aims and circumstances to determine whether the advisor is the best fit. If you go with one of the larger Bath companies, your account may be looked after by a team of advisors rather than a single individual.

Financial Advisors Bath UK (01225)

You will be asked to complete a "Fact Find" form, which is a confidential disclosure document relating your targets and financial situation to the advising firm. A Key Facts Document, or Initial Disclosure Document will also be handed to you, providing information about the financial advisors themselves, detailing their range of permissions in the financial market and their situation for offering independent or restricted advice. Your own rights will also be spelled out in this document, in addition to the options you can take if you need to complain because you are not happy with the service you're given. It has to be easily understood, written in plain English, and outline precisely what you are signing up for, along with the risks and benefits of going along with the advice. The cooling-off period should also be fully explained in this document. Within a certain period of time, this makes it possible for you to cancel the contract with your financial advisor.

Make sure you check the qualifications and experience of the financial advisor when you first speak with them. Do not be self-conscious about asking such questions, after all you're on the verge of entrusting your financial wellbeing to their expertise. All Bath financial advisors must hold at least a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. You should not stress if your specific financial advisor's name does not appear on the Financial Services Register, so long as the firm is listed on the register, their employees are covered by the regulations. If these can't be presented the individual may still offer financial guidance as opposed to financial advice. Guidance isn't regulated in the same way as financial advice, meaning that if mistakes are made the client won't have any recourse.

Financial Advisor Quotes in Bath Somerset

If it is investments that you're interested in, your advisor will ask you about the amount of risk you are willing and able to take with your hard-earned cash. Bigger rewards could be possible with higher risk investments, however you could also lose all or some of your cash. Decent investment and financial advice will take into account your savings goals, i.e. short or long term investments, how rapidly you need to access your money and how much money you want to invest. You should invariably ask yourself the one crucial question, how much can you truly afford to lose. This may well influence the products and services that you are offered, and is called your capacity for loss.

Financial Advice Near Bath Somerset

You must tell your financial advisor about your existing mortgage loans, savings, investments or regular outgoing payments. They'll need these details, so they can get a clear picture of your financial situation and give the correct advice for you. The diversification of your savings and investments by spreading the risk across a range of different products, is a crucial part of good quality financial advice. With an understanding of the best areas to consider, a qualified financial advisor will focus attention on products that most closely fit in with your goals and financial circumstances.

Your financial advisor will attempt to communicate in the clearest possible way, to open up the complex world of finance. This will allow you to compare services and products which meet your needs, and come to an informed decision. If environmental issues are at the forefront of your mind, you could even ask that ethical savings and investments take precedence. This not only provides you with investment possibilities, but also enables you to lend your support to zero carbon or renewable energy projects, and steer clear of companies and businesses that don't share the same values that you do.

It may prove challenging to manage your work life and other commitments around working closely with a financial advisor in Bath. One-on-one appointments can be backed up with telephone calls and video conferencing to allow you to seek advice at times that suit you. A competent financial advice firm in Bath will have strict measures in force to ensure your details are kept confidential and secure, even if you hardly ever have a one-on-one meeting with your advisor, because home and remote working is no longer unusual.


You need to understand that the financial sector can be a volatile one, 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 spiral in your investment isn't seen as a basis for complaint, unless your financial advisor has supplied you with incorrect or misleading information.

Independent Financial Advisor Near Bath (BA1)

The firm's complaints procedure should be the best place to start with any grievances, and the Key Facts Document will clarify this. If the problem remains unresolved within the timeframe laid down by the regulating body, and your advisor is registered with the Financial Conduct Authority, you can get in touch with the Financial Ombudsman.

The Financial Ombudsman will come to a decision after reviewing the cause of the complaint independently. A decision is made on how to financially compensate the client, if the complaint is upheld. This will become a legally binding decision once it has been accepted by the client, and the advisor and their firm must abide by the decision. Any compensation fixed by the Financial Ombudsman will also take into account any upset, inconvenience, trouble and distress caused to the client during the process.

Book a Financial Advisor in Bath UK

Financial advice can be provided in Bath and also nearby in: Twerton, Southdown, Neston, Limpley Stoke, Widcombe, Larkhall, South Stoke, Weston, Batheaston, Corston, Combe Down, Bathwick, Keynsham, Bathford, Englishcombe, Bradford on Avon, and in these postcodes BA1 0NN, BA1 0EP, BA1 0QH, BA1 0UD, BA1 0GL, BA1 0TH, BA1 0RZ, BA1 0UJ, BA1 0SY, BA1 0TB. Local Bath financial advisers will most likely have the postcode BA1 and the telephone dialling code 01225. Simply click the "enquiry" banner to get information on financial advisors in your location.

Skills Required by Financial Advisors

  • Effective customer service skills for determining client requirements and needs.
  • Effective management skills for negotiating product rates.
  • The ability to sell products and services.
  • To have active listening skills.
  • To have a goal driven mentality.
  • An excellent understanding of economics and accounting relating to financial products and markets.
  • To pay attention to detail and be thorough.
  • Outstanding skills in verbal communication.
  • An excellent level of maths knowledge for producing financial packages.
  • To have excellent IT skills.
  • To be able to network and build solid relationships with customers.

Financial Advisors Somerset

Advisor Somerset Financial Financial Advice 01225 Bath Financial Advisor Investment Advisors Advisers Services Advice BA1

Around Somerset you will likewise find: Cheddar investment advice, East Coker financial advice, Barwick financial advisors, Crewkerne financial advisors, Cotford St Luke financial advice, Wincanton financial advisors, Axbridge investment advisors, Stoke St Michael investment advice, Street investment advice, Curry Rivel investment advisors, Wiveliscombe investment advisors, Portbury financial advisors, Long Ashton investment advisors, Newbridge financial advisors, Ilminster financial advisors, North Weston financial advice, Pawlett investment advisors, Combe St Nicholas financial advisors, Porlock investment advice, Bathampton financial advice, Old Cleeve financial advice, Yatton financial advisors, North Cadbury investment advice, West Monkton investment advisors, Yeovilton investment advisors, Easton in Gordano financial advisors, Winford financial advisors, Wookey investment advisors, Ruishton financial advice, Cotford St Luke investment advisors.

Somerset Financial Advice Enquiries

Somerset Financial Advice Enquiries

Recently posted Somerset financial advice enquiries: Mariyah Buckley from West Monkton, Somerset recently asked for information on equity release. Lucie Field and Harman Field from Langport, Somerset recently enquired about investment advice. Omar Frazer and Lorna Frazer from Paulton, Somerset recently enquired about financial planning. Dahlia Wooldridge from Ilchester, Somerset recently asked for information on financial planning. Kyle Bannister and Everly Bannister from Tickenham recently asked for information on pensions. Ashwin and Mariella Warden from Kingston St Mary, Somerset recently enquired about financial planning. Maxwell Long and Freyja Long from Dunster, Somerset recently asked for information on pensions. Mr and Mrs Mccluskey from Bishop Sutton recently enquired about pension advice.

Bath Financial Advice Services

Financial Advice Tasks Bath

There is a variety of services that are provided by your local Bath financial advisor including stakeholder pension advice Bath, tax planning, personal financial planning in Bath, business planning, pension plans, annuities, pension consolidation, income protection, pension reviews, cheap financial advice Bath, mortgage financial planning, general financial planning in Bath, independent financial advice Bath, pension advice Bath, life insurance advice, investment advice, financial planning, cash flow modelling, mutual funds Bath, wealth management & investments in Bath, offshore investment advice, long term care fee advice, financial advice services, corporate financial planning, annuity purchases, and more.

Daily Tasks for a Financial Advisor

  • A financial advisor speaks to customers regarding their finances and plans.
  • A financial advisor negotiates with providers of financial products.
  • A financial advisor researches financial products and explains them simply and clearly to customers.
  • A financial advisor maintains a record of clients and transactions.
  • A financial advisor keeps up to date with new products and legislation changes.
  • A financial advisor works together with peers to obtain statistics, trends and market information.
  • A financial advisor consistently updates clients concerning their investments.
  • A financial advisor meets sales and performance targets.
  • A financial advisor provides consultation, counselling and education with regards to investments and finances.
  • A financial advisor produces financial reports.

Financial Advisors Near Bath

Also find: Widcombe financial advisors, Neston financial advisors, Batheaston financial advisors, Southdown financial advisors, Weston financial advisors, Englishcombe financial advisors, South Stoke financial advisors, Bathford financial advisors, Bradford on Avon financial advisors, Twerton financial advisors, Bathwick financial advisors, Limpley Stoke financial advisors, Keynsham financial advisors, Larkhall financial advisors, Combe Down financial advisors, Corston financial advisors and more.

Bath Financial Advice Services

Find a Financial Advisor in Bath Here
Financial Advice Enquiries in Bath Somerset (01225)
  • Bath Tax Advice
  • Bath Mortgage Advice
  • Bath Corporate Financial Advice
  • Bath Financial Advice Quotes
  • Bath Financial Advice
  • Bath Retirement Planning
  • Bath Cheap Financial Advice
  • Bath Estate Planning
  • Bath Trustee Investments
  • Bath Cashflow Analysis
  • Bath Wealth Management
  • Bath Pension Advice
  • Bath Life Insurance Advice
  • Bath Inheritance Advice

Financial Advisors Around Bath: Households in Abbey Lane, Belvedere, Shires Yard, Tennyson Road, The Mall, Dovers Lane, Chelscombe, School Lane, Balustrade, Stones Paddock, St Kildas Road, Staples Hill, Cleveland Row, Stockhill, Canons Close, Solsbury Lane, Somerdale Avenue, Trinity Close, Bailbrook Grove, St James's Square, Sawclose, Beckford Road, Brookside Close, Second Avenue, Bridge Place Road, Shakespeare Road, The Batch, Binegar Lane, Dowding Road, Ash Tree Court, have needed financial advice just recently. Financial advisors have also been active in these local Bath postcodes: BA1 0NN, BA1 0EP, BA1 0QH, BA1 0UD, BA1 0GL, BA1 0TH, BA1 0RZ, BA1 0UJ, BA1 0SY, BA1 0TB.

If you're interested in local Bath information click here

Independent financial advisor in BA1 area, (dialling code 01225).

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