Financial Advisor Bracknell Berkshire (RG12): Locating a decent independent financial advisor in the Bracknell area can be a challenging experience, particularly if you're needing financial advice for the first time. Whether you are looking for investment, pension, mortgage or even insurance advice, all financial advisors have one thing in common; they must all conform to the regulations of the FCA (Financial Conduct Authority). This comes with various guarantees, therefore after taking advice from a FCA approved financial advisor in Bracknell, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman, if if things go wrong.
A good starting point when choosing a financial advisor in Bracknell could be neighbours and friends, but remember that the sort of advice you are searching for could be different to theirs. Any advice they provide needs to be adapted to your particular circumstances, and not every financial advisor is suitable for everybody. It is wise to talk with at least 3 different companies when you are choosing a financial advisor, as this is a big decision, and you will be looking to find one that you can trust and feel comfortable with, and at the same time explore the various options they can provide.
There are two main kinds of financial advisor in Bracknell; restricted advisors and independent financial advisors. The good thing about using an independent financial advisor is that they won't be limited to the services or products of a single company, and can offer a broader range of options. Covering the full gamut of financial companies and products, independent financial advice should be given in an unbiased and impartial way to clientele. Using an independent financial advisor should allow you to select from the widest possible range of products. A restricted financial advisor may be limited to products and services from one particular firm, or may even concentrate on a specific product, as in the case of a mortgage advisor.
Before any Bracknell financial advisor accepts you as a client, they are required by the Financial Conduct Authority to discuss their charges with you. You may be charged a set fee, by the hour or possibly even a percentage of your investment, determined by type of service you're looking for. To allow you to discuss your goals and see if the advisor is the proper choice for your situation, you might be offered the possibility of a free initial consultation. If you go with one of the larger Bracknell companies, your account could be handled by a team of advisors rather than just one individual.
You will be asked to complete a "Fact Find" document, which is a confidential disclosure form relating your financial situation and aims to the advising company. You should also be handed a Key Facts Document, or Initial Disclosure Document, which gives you information on the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial sector. This document should also make clear your own legal rights and the possible options you can take if you aren't happy with the service provided, and need to complain. It should detail precisely what you're signing up for, and any potential risks and benefits that exist if you choose to take the offered advice, and it must be laid out in plain language. You'll find the level of cooling-off period in the Key Facts Document. Within a specific time frame, this allows you to cancel your agreement.
When speaking with the financial advisor the very first time you need to check their experience and qualifications. Asking such questions should not be a cause for embarrassment, because you're entrusting them with your financial future. All Bracknell financial advisors must hold at least a Level 4 qualification and be able to present an annual Statement of Professional Standing. You should not freak out if your particular financial advisor's name does not show up on the Financial Services Register, as long as the company is on the register, their personnel are covered by the regulations. If these cannot be provided the person may still offer financial guidance as opposed to financial advice. Guidance isn't regulated in the way that financial advice is, meaning that if errors arise neither party will have any recourse.
If it is investments that you're interested in, your advisor will want to know the amount of risk you are willing to accept with your hard-earned cash. High risk investments could potentially offer substantial rewards, however some or all of your funds could be lost. Your savings aims will need to be taken into account if good investment advice is to be given, i.e. how much you have to invest, short or long term investments and how quickly you need access to your money. "How much can you truly afford to lose?" Is the one crucial question that you really need to ask yourself. Referred to as your 'capacity for loss', this will very likely have an effect on products and services that you are offered.
From the outset, it is imperative that you tell your financial advisor about any regular payments, mortgage loans, investments or savings accounts that you currently have. They'll need to know this, so that they can get a clear picture of your financial circumstances and give the appropriate advice for you. Spreading the risk across various different products by diversifying your investments and savings, is something that reliable financial advice should embrace. With an understanding of the best areas to consider, a qualified financial advisor will favour products that fit in with your financial circumstances and goals.
Communicating in the plainest speech possible, your financial advisor will open up the multifaceted world of finance and investment. This will permit you to compare products and services that meet your needs, and make an informed decision. If you're mind is firmly on the environment, you could maybe ask your advisor to stick to ethical investment and savings schemes. This allows you to support enterprises and companies which address your concerns, e.g. renewable energy or zero carbon, or perhaps avoiding firms that do not meet your standards.
Working together with a financial advisor in Bracknell can be challenging to manage around your work day and other obligations. Face-to-face meetings can be complemented with video conferencing and phone calls to enable you to get advice at times that suit you. Any experienced financial advice firm in Bracknell 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, because remote and home working is no longer unusual.
Investment values can go down as well as up, and this is a factor that you must always remember. It can be quite worrying and demoralising if your investment isn't making the amount of money you were hoping for. A downward spiraling of your investment is not seen as a basis for complaint, unless your financial advisor has supplied you with misleading or wrong information.
The company's complaints procedure should be the best place to start with any grievances, and the Key Facts Document will explain this. If the matter is unsolved within the time schedule laid down by the regulating authority, and your financial advisor is registered with the Financial Conduct Authority, you can advise the Financial Ombudsman.
The Financial Ombudsman will independently review the cause of the complaint and make a ruling. If the complaint is found to be justified, a decision will be made on how to financially compensate the customer. The financial advisor and their company must comply with any decision that's made by the Ombudsman, which becomes legally binding once the client has accepted it. Any compensation laid down by the Ombudsman will also take into consideration any inconvenience, upset, trouble and distress caused to the customer during the situation.
Financial advice can be provided in Bracknell and also in: Easthampstead, Ascot, Sunninghill, Wildridings, Bagshot, Hurst, Martins Heron, Warfield, Wokingham, Hawthorn Hill, Amen Corner, Binfield, Whitegrove, Wick Hill, Bullbrook, West End, Jennetts Park, Shurlock Row, Winkfield Row, Wixenford, Chavey Down, Popeswood, The Warren, Crowthorne, Newell Green, as well as in these postcodes RG12 2BW, RG12 0PE, RG12 0XP, RG12 0TG, RG12 1EH, RG12 1JD, RG12 1DP, RG12 1FQ, RG12 1AG, RG12 1TL. Locally based Bracknell financial advisors will probably have the postcode RG12 and the telephone code 01344.
Berkshire Financial Advice Enquiries
Current Berkshire financial advice enquiries: Mr and Mrs Devine from Burghfield Common recently asked for information on offshore investments. Alistair Hogan from Purley on Thames recently enquired about investment advice. Mr and Mrs Jennings from Sulhamstead recently asked for information on pensions. Nikita and Jenson Corrigan from Winkfield, Berkshire recently enquired about offshore investments. Flynn Mcfarlane and Hajra Mcfarlane from Aldermaston, Berkshire recently enquired about mortgage advice. Hayley and Charley Stretton from Spencers Wood recently enquired about pension advice. Mr and Mrs Ewing from Barkham recently asked for information on life assurance. Ziggy Hope and Natalie Hope from Greenham recently asked for information on equity release.
Bracknell Financial Advice Services
There is a variety of services that are provided by your local Bracknell financial advisor including trusts in Bracknell, investment advice, ethical investments, pension transfers in Bracknell, personal financial planning in Bracknell, investment planning in Bracknell, unit trusts Bracknell, long term care fee planning, bridging finance, trustee investment services, portfolio management, wealth management & investments, annuities Bracknell, financial planning, pension advice, pension consolidation in Bracknell, pension drawdowns, life assurance, financial advice services, income protection in Bracknell, tax planning, equity release Bracknell, inheritance tax planning Bracknell, cheap financial advice, investment plans, and lots more.
Financial Advisors Near Bracknell
Also: Martins Heron financial advisors, West End financial advisors, Jennetts Park financial advisors, Wildridings financial advisors, Easthampstead financial advisors, Popeswood financial advisors, Sunninghill financial advisors, Ascot financial advisors, Whitegrove financial advisors, Wokingham financial advisors, Hawthorn Hill financial advisors, Crowthorne financial advisors, Amen Corner financial advisors, Hurst financial advisors, Shurlock Row financial advisors, Winkfield Row financial advisors, Newell Green financial advisors, Bagshot financial advisors, Bullbrook financial advisors, Binfield financial advisors, Wixenford financial advisors, Chavey Down financial advisors, Wick Hill financial advisors, The Warren financial advisors, Warfield and more.
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Financial Advisors Around Bracknell: Folks who live in the following roads and streets have just recently requested financial advice - Simkins Close, Calfridus Way, Avebury, Benedict Green, Albert Road, Anneforde Place, Staverton Close, Deer Rock Hill, Springfield Road, Braybrooke Road, Drovers Way, Brook Drive, Basemoors, Crofton Close, Daventry Court, Cumnor Way, Thorp Close, County Lane, Claverdon, Dorset Vale, Crossway, Cooke Rise, Appletree Place, Sylvanus, Arthurstone Birches, Thornhill, Top Common, Stevenson Drive, as well as the following local Bracknell postcodes: RG12 2BW, RG12 0PE, RG12 0XP, RG12 0TG, RG12 1EH, RG12 1JD, RG12 1DP, RG12 1FQ, RG12 1AG, RG12 1TL.
Financial Adviser Jobs Bracknell: Find financial advisor jobs in Bracknell by clicking here: Bracknell Financial Advisor Jobs
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More Berkshire Financial Advisors: More Sandhurst, Slough, Woodley, Sunninghill, Thatcham, Maidenhead, Reading, Finchampstead, Twyford, Newbury, Windsor, Tilehurst, Crowthorne, Winkfield, Wokingham, Ascot and Bracknell.:
Independent financial advisor in RG12 area, and dialling code 01344.
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