Financial Advisor Braunton

Braunton Independent Financial Advice & Investment

Financial Advisor Braunton Devon (EX33): It can be an intimidating experience trying to locate a decent financial advisor advisor in Braunton, in particular if it is the first time that you're needing financial advice. Whether you are looking for mortgage, investment, pensions or even insurance advice, all professional financial advisors are bound by one common rule; they must all observe the regulations set by the FCA (Financial Conduct Authority). Any advice given from a FCA registered financial advisor in Braunton comes with the guarantee that if things go awry, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.

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Recommendations from friends and neighbours can be a good starting place in picking a financial advisor in Braunton, but bear in mind that their situation might be different to the kind of advice you are looking for. Every financial advisor isn't suitable for everyone, and any advice they provide needs to be tailored to your specific situation. It pays to speak to at least three different firms when you are choosing a financial advisor, because this is an important decision, and you'll be looking to find one that you can trust and feel comfortable with, and at the same time check out the various options they offer.

Financial Advisor Braunton Devon (EX33)

When it comes to picking a financial advisor in Braunton, there are 2 principal types; independent financial advisors (IFA) and restricted advisors. The benefit of seeing an independent financial advisor is that they won't be restricted to the products or services of a single provider, and can offer a more extensive range of options. Independent financial advice should encompass the whole spectrum of financial products and companies, and should be given in an unbiased way. If you elect to use an IFA, you'll be able to choose from the widest possible array of services, in order to find the perfect solution for you. A restricted advisor could be concerned with a single product, as with a mortgage advisor, or be restricted to products and services from a single company.

The FCA demands that any financial advisor must tell you about their charges, before accepting you as a client. You may be charged by the hour, a set fee or possibly even a proportion of your investment, based on kind of services you are interested in. You could be offered the chance 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 of the bigger Braunton companies, you may find that your account is handled by a team rather than an individual advisor.

Financial Advisors Braunton UK (01271)

You will have to fill out a "Fact Find" document, which is a confidential disclosure form relating your goals and financial situation to the advising firm. To provide details about the financial advisor, their situation for offering independent or restricted advice and their range of permissions in the financial arena, you will also be given an Initial Disclosure Document, or Key Facts Document. Your rights should also be laid out in this document, in addition to the options you can take if you need to complain because you aren't happy with the service provided. It should outline precisely what you are committing yourself to, and any possible benefits and risks that exist if you decide to accept the offered advice, and it should be laid out in clear language. You will find the level of cooling-off period in the Key Facts Document. This enables you to have a change of heart within a specific period of time, and cancel your agreement with the financial advisor.

When speaking to the financial advisor for the first time ensure that you check their qualifications and experience. Asking these questions should not be a cause for embarrassment, because you're about to entrust them with your financial future. Every Braunton financial advisor must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. You don't need to stress if your advisor's name doesn't appear on the Financial Services Register, as long as the company is on the register, their staff are covered by the legislation. The individual can still offer financial guidance instead of advice, if these cannot be provided. Guidance is not subject to regulations in the way that financial advice is, meaning that if mistakes are made the client won't have any recourse.

Financial Advisor Quotes in Braunton Devon

You will be asked the amount of risk you're ready and able to take, if you are seeking advice on investing money. Better rewards might be possible with higher risk investments, however you may also lose some or all of your capital. In order to get the most effective investment and financial advice, your savings goals will need to be taken into account, i.e. how quickly you need to access your funds, how much capital you want to invest and long or short term investments. You must invariably ask yourself the one important question, how much money can you truly afford to lose. This might affect the services and products that you are offered, and is commonly called your 'capacity for loss'.

Financial Advice Near Braunton Devon

You will need to let your financial advisor know about your current investments, savings accounts, regular outgoings or mortgage loans. This gives a full and clear picture of your current financial circumstances, and without this the advice given may not be the most suitable for you. The diversification of your savings and investments by spreading the risk across different products, is a crucial part of reliable financial advice. A seasoned financial advisor in Braunton will be aware of the best areas to consider, which match your financial situation and your goals.

Your financial advisor will attempt to communicate in the clearest possible way, to throw open the complex world of finance. This will help you to compare services and products which match your needs, and come to an informed decision. If you're mind is firmly on the environment, you can maybe ask your advisor to stick to ethical savings and investment schemes. This doesn't just give you investment possibilities, but also enables you to support zero carbon or green energy projects, and stay clear of businesses that don't share the same values that you do.

It isn't always easy to work closely with a financial advisor in Braunton without this impacting on your work and other responsibilities. This can be reduced by augmenting face-to-face appointments with video conferencing and telephone calls, thus enabling you to seek the guidance you need at a convenient time. An established financial advice company in Braunton will have rigorous measures in force to keep your details confidential and secure, even if you hardly ever have a one-to-one meeting with your advisor, because remote and home working is no longer unusual.


Investments can be a volatile area, and their values could fall as well as rise. It can be quite demoralising and stressful if your investment isn't making as much money as you were hoping for. However, unless it's down to misleading or incorrect information from your financial advisor, your investment having a downward trend isn't a recognised basis for complaint.

Independent Financial Advisor Near Braunton (EX33)

The company's complaints procedure should be the starting position for any disputes, and the Key Facts Document should explain this. You can inform the Financial Ombudsman of the situation if it remains unsolved within the time set out by the regulating authority, and your advisor is registered with the FCA.

The Financial Ombudsman will come to a decision after independently reviewing the cause for complaint. A decision will be made on how to financially compensate the client, if the complaint is upheld. This will become legally binding as soon as it has been agreed on by the customer, and the advisor and their firm must comply with the decision. The Financial Ombudsman will also take into account any inconvenience, hassle, distress and upset caused to the client during the situation, and set the level of compensation proportionately.

Book a Financial Advisor in Braunton UK

Financial advice can be provided in Braunton and also in: Arlington, Chivenor, Woolacombe, Fremington, West Down, Marwood, Ashford, Ilfracombe, Croyde, Mortehoe, East Down, Shirwell, Northam, Bideford, Muddiford, Wrafton, Barnstaple, together with these postcodes EX31 4DF, EX33 1LW, EX33 2AW, EX33 1BB, EX33 2AE, EX31 4BX, EX33 1DQ, EX33 1JF, EX33 1JB, EX33 1HU. Local Braunton financial advisers will most likely have the postcode EX33 and the telephone code 01271. Checking this will make sure that you access local financial advisers. Braunton householders will be able to utilise these and numerous other related services.

Pension Planning

Secure retirement hinges on the vital aspect of pension planning. Engaging a financial advisor's services can significantly enhance this process. A qualified advisor will assess your current financial situation, understand your retirement goals, and design a personalised pension strategy. They navigate the complexities of UK pension alternatives, such as workplace pensions, the State Pension, and self-invested personal pensions (SIPPs). You can take full advantage of their expertise to make informed decisions about investment choices, tax implications and contributions. Working with a financial advisor in Braunton is key to creating a solid pension plan, providing financial stability and peace of mind for your future. (61324)

Braunton Financial Advice Services

Financial Advice Tasks Braunton

There is a range of services that are provided by your local Braunton financial advisor including financial services Braunton, independent financial advice, equity release, investment bonds, offshore investments, annuity purchases, will writing services in Braunton, investment consolidation advice, portfolio management, trustee investment services, financial analyst services, business planning, saving for children Braunton, business protection, inheritance tax planning, critical illness cover, pension planning, personal protection, pension advice in Braunton, cheap financial advice, stakeholder pension advice in Braunton, retirement advice, cashflow analysis in Braunton, personal financial planning Braunton, pension drawdowns, pensions in divorce in Braunton, life insurances, wealth management, pension consolidation advice, pension reviews in Braunton, and lots more. These are just a small portion of the tasks that can be accomplished by a financial advisor. Braunton professionals will let you know their full range of services.


Financial Advisors Near Braunton

Also find: Marwood financial advisors, Shirwell financial advisors, Woolacombe financial advisors, Arlington financial advisors, West Down financial advisors, East Down financial advisors, Chivenor financial advisors, Wrafton financial advisors, Croyde financial advisors, Muddiford financial advisors, Mortehoe financial advisors and more. Almost all of these towns and villages are serviced by financial advisors. Householders in these areas can make enquiries about financial advice by clicking here.

Braunton Financial Advice Services

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Financial Advice Enquiries in Braunton Devon (01271)
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Financial Advisor Jobs Braunton: View financial adviser jobs near Braunton by going here: Financial Advisor Jobs Braunton

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Independent financial advisor in EX33 area, (dialling code 01271).

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(This financial advisor Braunton page was edited and updated on 20-02-2024)