Financial Advisor Braintree Essex (CM7): Locating a reliable financial advisor advisor in Braintree can be a challenging experience, in particular if you are needing financial advice for the first time. Whether you are looking for mortgage, investments, pensions or even insurance advice, all financial advisors have one thing in common; they all have to stick to the regulations of the Financial Conduct Authority. Any advice given from a FCA certified financial advisor in Braintree comes with guarantees that if things go awry, you can contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.
When choosing a financial advisor in Braintree, a good place to begin could be friends and relations, however you must bear in mind that your circumstances may not be the same as theirs, and you might need a different sort of advice. Financial advice must be individually tailored to your unique circumstances, and you will find that some financial advisors may not be suitable for your requirements. It is a good idea to talk to at least three different firms when you're picking a financial advisor, as this is a big decision, and you'll be looking to find one that you can trust and feel at ease with, and explore the various options they can provide.
Restricted advisors and independent financial advisors (IFA), are the 2 main types of financial advisor in Braintree. Offering a wide range of options, an independent financial advisor will not be limited to just one provider's services or products. Encompassing the whole gamut of financial products and companies, independent financial advice must be offered in an unbiased and impartial way to clients. This will enable you to choose from the broadest range of products to match your needs. If you use a restricted financial advisor you will discover that they could be restricted to products and services of a particular company, or as in the case of a mortgage advisor, might only be concerned with one solitary product.
Before any financial advisor in Braintree takes you on as a client, they're required by the Financial Conduct Authority to be fully transparent with you about their charges. You might be charged a set fee, by the hour or maybe even a proportion of your investment value, dependant upon services you are looking for. You may be offered the possibility of a free preliminary consultation to allow you to discuss your objectives and determine whether the advisor is the proper choice for your situation. In some larger Braintree companies, you may find that your account is managed by a team rather than an individual.
You'll need to fill in a "Fact Find" document, which is a confidential disclosure form relating your financial situation and objectives to the advising company. To provide details of the financial advisor, their situation for offering restricted or independent advice and the scope of their permissions in the financial arena, you'll also be given an Initial Disclosure Document, or Key Facts Document. If you aren't happy with the service, and wish to submit a complaint, this document will also lay out your legal rights and the possible options you can take. It must be typed out in plain language and describe what you're committing yourself to, and any possible risks and benefits if you opt to accept the offered advice. The cooling-off period should also be fully explained in this document. This enables you to have a change of heart within a specific time period, and cancel your agreement with the financial advisor.
The first time you're speaking to your financial advisor make sure you check what experience and qualifications they've got. Asking such questions shouldn't cause you any embarrassment, because after all you're entrusting them with your financial wellbeing. Every Braintree financial advisor must be in a position to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. When checking the Financial Services Register, you should not stress if your specific financial advisor's name does not appear on there; you will probably locate the company name, and this means that the regulations covers all of their advisors. If these cannot be presented the person can still offer financial guidance instead of advice. Guidance differs to advice as it's not regulated in the same way, and if mistakes occur there will likely be no recourse to the client.
You'll be asked the level of risk you are ready to accept, if you are seeking advice on investing money. Higher risk investments could offer larger rewards, however some or all of your funds could be lost. Your savings goals should be considered if good investment and financial advice is to be given, i.e. how much you wish to invest, long or short term investments and how quickly you need to access your funds. "How much can you afford to lose?" Is the one question that you really need to ask yourself. This is referred to as your capacity for loss and could affect the products and services that are offered to you.
If you've already got any existing mortgages, savings accounts, regular outgoing payments or investments, you'll want to tell your financial advisor about these. They'll need to know this, so that they can get a clear picture of your financial situation and give the appropriate advice for you. Good financial advice should allow for diversifying your savings and investments by spreading the risk across various different products. So as to mirror your goals and financial situation, a certified financial advisor in Braintree will understand the best areas to consider.
Communicating in the clearest possible way, your financial advisor will open up the complex world of finance and investment. You should be able to make an informed and considered decision once you have compared the various products and services which match your needs. If you're environmentally minded, you could perhaps ask your financial advisor to stick to ethical investment and savings schemes. You can then keep away from companies that companies meet your requirements, but instead support those companies and enterprises that match your concerns, for example zero carbon or green energy.
Working together with your financial advisor in Braintree can be tricky to fit in around work and other commitments. This can be alleviated by supplementing face-to-face appointments with phone calls and video conferencing, therefore allowing you to seek the guidance you need at a convenient time. Remote and home working is now a large part of our society, and any competent financial advice firm in Braintree will have stringent measures in place to keep your details secure and confidential, even if you hardly ever have an in-person meeting with your personal advisor.
Investments can be a volatile area, and their values can go down as easily as they go up. If your investment isn't making as much money as you were hoping for, it can be incredibly stressful and frustrating. Unfortunately, your investment having a downward trend is not seen as a cause for complaint, unless of course it is due to wrong or misleading information from your financial advisor.
Any disputes should start out with the firm's complaints procedure as indicated in the Key Facts Document. You can inform the Financial Ombudsman of the issue if it remains unresolved within the period set out by the regulating authority, and your advisor is registered with the FCA.
After reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. A decision will be made on how to financially compensate the customer, if the complaint is justified. Once agreed on by the client, the decision will become legally binding, and the financial advisor and their firm must comply with it. Any distress, trouble, inconvenience and upset caused to the customer during the dispute, will be considered when the Ombudsman fixes the level of compensation.
Financial advice can be provided in Braintree and also in: Gosfield, Rayne, Stisted, Great Notley, Bocking, Coggeshall, Bradwell, Silver End, Black Notley, Finchingfield, Shalford, Cressing, Halstead, Panfield, Great Leighs, Chelmsford, Witham, Great Dunmow, together with these postcodes CM7 0BX, CM7 0HL, CM7 1FY, CM7 0DH, CM7 1DW, CM7 0SY, CM7 0SA, CM7 1DD, CM7 1EG, CM7 0SB. Local Braintree financial advisors will likely have the telephone dialling code 01376 and the postcode CM7.
Essex Financial Advisors
In the Essex area you will additionally discover: Great Bardfield financial advice, Rettendon investment advisors, Hornchurch financial advisors, Rayne financial advice, Layer de la Haye investment advice, Fyfield financial advisors, Thorrington investment advice, West Mersea financial advice, Holland on Sea financial advice, Great Bentley financial advisors, Tolleshunt Knights financial advisors, Tilbury financial advisors, Thorrington financial advice, Lawford financial advice, Tye Green financial advisors, Bradwell on Sea investment advisors, Parkeston investment advisors, Elmstead investment advisors, Great Horkesley financial advice, Great Bromley financial advice, East Tilbury financial advisors, Colne Engaine financial advisors, Kelvedon Hatch financial advice, Holland on Sea investment advisors, West Bergholt investment advice, Althorne investment advice, Thaxted investment advice, Thornwood Common financial advisors, West Horndon investment advisors, Bradwell on Sea financial advice.
Braintree Financial Advice Services
There is a range of services which are provided by your local Braintree financial advisor including offshore investment advice, annuity purchases, pension drawdowns, financial analyst services Braintree, life insurances, financial services Braintree, tax advice in Braintree, life assurance Braintree, equity release Braintree, ISA's, personal financial planning Braintree, investment advice, corporate bonds, stakeholder pension advice Braintree, ethical investment advice, family income benefit, trustee investment services in Braintree, divorce planning Braintree, inheritance tax planning Braintree, cash flow modelling, pension transfers, business planning Braintree, pension reviews, long term care fee planning in Braintree, will writing services, and more.
Financial Advisors Near Braintree
Also: Bocking financial advisors, Cressing financial advisors, Black Notley financial advisors, Panfield financial advisors, Halstead financial advisors, Gosfield financial advisors, Coggeshall financial advisors, Great Notley financial advisors, Great Leighs financial advisors, Stisted financial advisors, Silver End financial advisors, Witham financial advisors, Shalford financial advisors, Bradwell financial advisors, Chelmsford financial advisors, Rayne financial advisors, Finchingfield financial advisors, Great Dunmow and more.
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Financial Advisors Around Braintree: People living in the following streets have recently inquired about financial advice - Marlowe Close, Longacres, Manor Street, Chaucer Crescent, Peartree Close, Stephenson Road, Kipling Way, Angle Side, Rifle Hill, Driberg Way, Nichols Grove, Forsyth Drive, Station Approach, Hardy Close, Bronte Close, Rushmoor Drive, Trinovantian Way, Wickham Crescent, Putter Court, Nineacres, Mill Hill, Lakes Road, Enterprise Court, Galsworthy Close, Station Road, Dickens Close, as well as these Braintree area postcodes: CM7 0BX, CM7 0HL, CM7 1FY, CM7 0DH, CM7 1DW, CM7 0SY, CM7 0SA, CM7 1DD, CM7 1EG, CM7 0SB.
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Independent financial advisor in CM7 area, (dialling code 01376).
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