Financial Advisor Brixham

Brixham Independent Financial Advice & Investment

Financial Advisor Brixham Devon (TQ5): If you are seeking financial advice for the very first time, trying to locate a reliable financial advisor advisor in the Brixham area can be a quite daunting experience. Whether it is investment, mortgage, pension or even insurance advice that you are after, there is one common rule for all qualified financial advisors; they must all follow Financial Conduct Authority regulations. Any advice given from a FCA authorised financial advisor in Brixham comes with guarantees that should things go awry, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman.

Free Brixham Financial Advisor Quotes

A decent starting place in choosing a financial advisor in Brixham can be friends and relatives, but bear in mind that the kind of advice you're looking for may be significantly different to theirs. Financial advice should be specifically tailored to your unique circumstances, and you'll discover that certain financial advisors might not be suitable for you. It pays to talk with at least three different firms when you're considering a financial advisor, since this is a big decision, and you need to find one that you feel comfortable with and can trust, and explore the options they offer.

Financial Advisor Brixham Devon (TQ5)

There are two main types of financial advisor in Brixham; restricted advisors and independent financial advisors. Offering a wider range of options, an IFA should not be limited to a single company's services or products. Covering the whole gamut of financial companies and products, independent financial advice should be offered in an unbiased and impartial way to clients. Consulting an independent financial advisor should enable you to pick from the broadest possible range of services. A restricted financial advisor may be focused on an individual product, as with a mortgage advisor, or be restricted to products and services from a particular firm.

Before any financial advisor in Brixham accepts you as a client, they are required by the FCA to discuss their charges with you. Based on the kind of services you are looking for, you could be charged by the hour, a set fee or maybe even a specific percentage of your investment value. You could be offered the possibility of a free initial consultation to enable you to discuss your goals and determine whether the advisor is suitable for your situation. If you go with one of the larger Brixham companies, your account could be handled by a team of advisors rather than just one individual.

Financial Advisors Brixham UK (01803)

To outline your financial situation and goals to the advising company, you'll have to fill in a "Fact Find" form, which is a confidential disclosure document. To provide information on the financial advisor, their status to offer restricted or independent advice and the extent of their permissions in the financial arena, you'll also be handed a Key Facts or Initial Disclosure Document. This document will also lay out your legal rights and the options you can take if you're not happy with the service provided, and want to complain. It has to be typed out in plain language and describe what you are signing up for, and any potential benefits and risks should you elect to go along with the advice offered. 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 contract with the financial advisor.

The very first time you are speaking with your financial advisor you should check what experience and qualifications they've got. Don't be self-conscious about asking such questions, after all you're on the verge of entrusting your long-term financial wellbeing to their expertise. A Level 4 qualification is the minimum required certification for any financial advisor in Brixham, and they also have to be able to present you with an annual Statement of Professional Standing. When you check the Financial Services Register, don't panic if your advisor's name does not appear on there; you should be able to locate the company name, and that means the legislation covers all of their employees. If these cannot be provided the person can still offer financial guidance instead of financial advice. In terms of finance guidance is somewhat different to advice and isn't regulated in the same way. Therefore there isn't any recourse for the client if errors arise.

Financial Advisor Quotes in Brixham Devon

If it's investing money that you are interested in, the advisor will ask you about the amount of risk you are willing to accept with your hard-earned cash. Larger rewards may be possible with higher risk investments, however you stand a greater chance of losing all or some of your money. Decent investment and financial advice should take into account your savings aims, i.e. short or long term investments, how much you wish to invest and how rapidly you need access to your money. "How much can you actually afford to lose?" Is the one question that you really need to ask yourself. This may well influence the products and services that you are offered, and is generally known as your 'capacity for loss'.

Financial Advice Near Brixham Devon

If you have already got any current investments, regular payments, mortgage loans or personal savings, you must let your financial advisor know about these. They'll need these details, so they can get a clear picture of your financial situation and give the best advice for you. Good quality financial advice should include diversifying your savings and investments by spreading the risk across a range of different products. In order to mirror your goals and financial situation, a competent financial advisor in Brixham will understand the best products to consider.

Communicating in the clearest possible way, your financial advisor will reveal the complex world of investment and finance. After comparing the various services and products that match your needs, you should be able to come to an informed and knowledgeable decision. If environmental issues are important to you, you could maybe ask that ethical savings and investment schemes take top priority. You will then be able to stay clear of investments that companies meet your criteria, but instead support those companies and organisations that match your concerns, for instance zero carbon or green energy.

It could prove hard to manage your work and other responsibilities around working closely with a financial advisor in Brixham. Face-to-face appointments can be supplemented with phone calls and video conferencing to enable you to seek advice at a time to suit you. A professional financial advice firm in Brixham will have rigorous measures in place to keep your details secure and confidential, even if you rarely have an in-person meeting with your personal advisor, because home and remote working is now so common.


Investment values could fall as well as rise, and this is a factor that you must always keep in mind. If it happens that your investment fails to make as much money as you were hoping for, it can be an extremely disheartening and stressful time. Regrettably, your investment having a downward trend isn't a recognised basis for complaint, unless of course it is due to misleading or wrong information from your advisor.

Independent Financial Advisor Near Brixham (TQ5)

The company's complaints procedure should be the place to start with any disputes, and the Key Facts Document will explain this. If the issue remains unresolved within the time-frame laid down by the regulating authority, and the advisor is registered with the Financial Conduct Authority, you can notify the Financial Ombudsman.

After looking into the cause for complaint, the Financial Ombudsman will come to a decision on the issue. If the complaint is found to be justified, a decision is made on how to rectify the situation or financially compensate the client. The financial advisor and their firm must abide by any ruling that is made by the Ombudsman, which becomes legally binding as soon as the customer has accepted it. Any inconvenience, annoyance, hassle and distress caused to the customer during the dispute, will be accounted for when the Financial Ombudsman fixes the level of compensation.

Book a Financial Advisor in Brixham UK

Financial advice can be provided in Brixham and also in: Higher Brixham, Tweenaway, Boohay, Dartmouth, Kingsweir, Greenway, Woodhuish, Galmpton, Torquay, Maypool, Paignton, Sandridge, East Cornworthy, Dittisham, Coleton, Churston Ferrers, as well as in these postcodes TQ5 0RB, TQ5 8LB, TQ5 0EA, TQ5 5AH, TQ5 0AF, TQ5 0DG, TQ5 8JB, TQ5 8ED, TQ5 0DH, TQ5 0DL. Local Brixham financial advisors will probably have the telephone code 01803 and the postcode TQ5. Checking this out should guarantee that you are accessing local financial advisers. Brixham property owners are able to utilise these and many other finance related services.

Pension Planning

To ensure a secure retirement, pension planning becomes essential. Engaging a financial advisor's services can significantly enhance this process. Assessing your current financial situation and understanding your retirement goals, an experienced advisor will design a customised pension plan. They handle the intricacies of UK pension alternatives, which encompass workplace pensions, the state pension, and self-invested personal pensions. By leveraging their expertise, informed decisions about tax implications, investment choices and contributions can be made. The creation of a robust pension plan, providing financial stability and peace of mind for your future, is a result of working with a financial advisor in Brixham.

The State Pension is the cornerstone of UK pension planning, as it provides a standard level of retirement income that is backed by the government. The amount of State Pension you receive will typically depend on how many National Insurance contributions you have made over your working life. However, the changes to the number of qualifying years and the State Pension age have made it vital to understand the intricacies of this scheme. (42316)

Brixham Financial Advice Services

Financial Advice Tasks Brixham

There are a wide array of services that are provided by your local Brixham financial advisor including divorce planning, long term care fee advice in Brixham, business protection, corporate financial planning in Brixham, stakeholder pensions Brixham, portfolio management, death benefit advice, will writing services in Brixham, wealth management & investments, savings advice, pension consolidation in Brixham, investment plans in Brixham, retirement planning, pension planning, cash flow modelling in Brixham, family income benefit Brixham, personal pensions advice in Brixham, mutual funds, pensions in divorce, independent financial advice, life assurance advice, cheap financial advice, pension advice, pension transfers, tax advice, personal protection, corporate bonds, pension drawdowns in Brixham, bridging finance in Brixham, ethical investment advice, and lots more. Listed are just some of the tasks that can be accomplished by a financial advisor. Brixham professionals will let you know their entire range of services.

Skills and Knowledge Needed by Financial Advisors

  • Effective management skills for negotiating product fees.
  • A thorough understanding of economics and accounting relating to financial markets and products.
  • To be capable of using a computer and the key software packages.
  • To be thorough and pay attention to detail.
  • To have active interpersonal and listening skills.
  • To be goal driven.
  • The ability to promote products and services.
  • Good skills in verbal communication.
  • To be able to network and establish solid relationships with customers.
  • An excellent level of numeracy for creating financial strategies.
  • Good skills in customer service for determining client requirements.

Financial Advisors Near Brixham

Also find: Galmpton financial advisors, Greenway financial advisors, Tweenaway financial advisors, Woodhuish financial advisors, Dittisham financial advisors, Maypool financial advisors, Higher Brixham financial advisors, Churston Ferrers financial advisors, Boohay financial advisors, Coleton financial advisors, Kingsweir financial advisors, East Cornworthy financial advisors and more. Financial advisors are available for consultation services in just about all of these areas. Homeowners in the region can make enquiries about financial advice by going here.

Brixham Financial Advice Services

Find a Financial Advisor in Brixham Here
Financial Advice Enquiries in Brixham Devon (01803)
  • Brixham Inheritance Advice
  • Brixham Cheap Financial Advice
  • Brixham Trustee Investments
  • Brixham Financial Services
  • Brixham Independent Financial Advice
  • Brixham Tax Advice
  • Brixham Corporate Financial Advice
  • Brixham Pension Advice
  • Brixham Cashflow Analysis
  • Brixham Mortgage Advice
  • Brixham Wealth Management
  • Brixham Investment Advice
  • Brixham Estate Planning
  • Brixham Financial Advice Quotes

More Brixham Services: Not surprisingly, when you are looking at your finances in Brixham, Devon, you will likely be in need of all kinds of different services and apart from a financial advisor in Brixham, Devon, you may also need payroll services in Brixham, family lawyers in Brixham, accountants in Brixham, mortgage advice in Brixham, contracts lawyers in Brixham, tax preparation in Brixham, business consulting in Brixham, property law & conveyancing in Brixham, bookkeeping in Brixham, solicitors in Brixham, will writing in Brixham, debt recovery & collection in Brixham, mortgage brokers in Brixham, business financial planning in Brixham, estate planning in Brixham, banruptcy lawyers in Brixham, investment advisors in Brixham, and other different Brixham experts.

For local info about Brixham, Devon go here

Financial Adviser Jobs Brixham: Find financial advisor jobs in Brixham by going here: General Financial Advisor Jobs

Independent financial advisor in TQ5 area, phone code 01803.

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(This financial advisor Brixham content was reviewed and updated on 20-02-2024)