Financial Advisor Cardiff

Cardiff Independent Financial Advice & Investment

Financial Advisor Cardiff Wales (CF1): It can be an intimidating experience trying to locate a first-rate independent financial advisor in Cardiff, especially if it is the first time that you are in search of financial advice. However, all professional financial advisors have one thing in common; they must all adhere to the regulations set by the Financial Conduct Authority, regardless of whether you're searching for investment, mortgage, pensions or even insurance guidance. Any advice given through a FCA registered financial advisor in Cardiff comes with the guarantee that should things go awry, you can contact the Financial Ombudsman or the Financial Services Compensation Scheme.

Free Cardiff Financial Advisor Quotes

When choosing a financial advisor in Cardiff, a decent place to start could be family and friends, but you must keep in mind that your circumstances might not be in line with theirs, and you may need a different kind of advice. Their advice needs to be tailored to your specific circumstances, and every financial advisor is not suitable for everybody. Picking the right financial advisor is crucial and it is a good idea to talk with at least three different firms so as to explore the various options they offer, and to find one you feel comfortable with and can trust.

Financial Advisor Cardiff Wales (CF1)

There are two main types of financial advisor in Cardiff; independent financial advisors (IFA) and restricted advisors. The benefit of seeing an IFA is that they will not be limited to the services or products of just one company, and can offer a broader range of options. Independent financial advice must cover the full spectrum of financial products and companies, and should be offered in an impartial way. This enables you to select from the widest possible range of services to meet your needs. A restricted financial advisor could be limited to products and services from a single firm, or might even concentrate on a particular product, as can happen with a mortgage advisor.

Before any Cardiff financial advisor takes you on as a client, they're required by the Financial Conduct Authority to be fully transparent with you about their charges. Although it varies dependant upon the kind of service or product you're looking for, there may be an hourly rate, a set fee, or you may even be charged a specific percentage of what you are investing. A free first consultation will sometimes be offered, so you can discuss your aims and situation to see if the advisor is the right fit. In some bigger Cardiff companies, you could find that your account is managed by a team rather than an individual.

Financial Advisors Cardiff UK (029)

To summarise your desired goals and financial situation to the advising company, you will have to fill in a "Fact Find" form, which is a confidential disclosure document. You should also be handed a Key Facts Document, or Initial Disclosure Document, which provides you with details of the financial advisor, their status to offer restricted or independent advice and their range of permissions in the financial market. Your rights will also be set out in this document, together with the options you can take if you need to complain because you are not satisfied with the service you are given. It should describe precisely what you are signing up for, and any possible risks and benefits should you decide to take the advice offered, and it should be set down in plain language. You'll find the amount of cooling-off period in this document. Within a certain time frame, this makes it possible for you to cancel the agreement.

The first time you are speaking with your financial advisor make sure you check what experience and qualifications they've got. You should not be self-conscious about asking these questions, after all you are on the verge of entrusting your long-term financial wellbeing to their skill. Every financial advisor in Cardiff must present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. Don't worry if your specific advisor's name doesn't appear on the Financial Services Register, so long as the company is on the register, their staff will be covered by the legislation. The individual may still offer financial guidance as opposed to advice, if these cannot be presented. Guidance differs to advice as it's not regulated in the same way, and if errors occur there will probably be no recourse to either party.

Financial Advisor Quotes in Cardiff Wales

If it's investing money that you are interested in, your advisor will question you about the level of risk you might be willing to accept with your hard-earned money. Higher risk investments may offer bigger rewards, however all or some of your cash could be lost. Your savings aims should be taken into account if good investment advice is to be given, i.e. how rapidly you need access to your money, short or long term investments and how much you wish to invest. You should always ask yourself the one vital question, how much can you actually afford to lose. This is known as your 'capacity for loss' and may well influence the services and products that could be offered for your consideration.

Financial Advice Near Cardiff Wales

You must tell your financial advisor about any current personal savings, regular outgoing payments, investments or mortgages. To ensure that you get the most suitable advice for you, they need a full and clear picture of your finances. The diversification of your savings and investments by spreading the risk load across various different products, is a crucial part of good quality financial advice. Having an understanding of the best areas to consider, a qualified financial advisor will focus attention on products that match your financial situation and goals.

Your financial advisor will try to communicate in the clearest possible way, to open up the complex world of finance. After learning about the products and services that meet your needs, you should be able to come to an informed and knowledgeable decision. If the environment is at the forefront of your mind, you could perhaps ask that ethical savings and investments take top priority. This does not just give you investment opportunities, but also enables you to lend your support to zero carbon or green energy projects, and avoid businesses that don't share the same values as you.

It can prove tricky to manage your work life and other commitments around a close working relationship with a financial advisor in Cardiff. Face-to-face appointments can be complemented with video conferencing and telephone calls to allow you to seek advice at a time to suit you. An established financial advice firm in Cardiff will have stringent measures in force to ensure your details are kept confidential and secure, even if you rarely have a face-to-face meeting with your advisor, because remote and home working is now so common.


Investments can go down as easily as they can go up, since the financial world can be a volatile one. If your investment is not making as much money as you hoped for, it can be very worrying and disheartening. Regrettably, your investment having a downward trend isn't a recognised grounds for complaint, except if it is down to misleading or incorrect information from your financial advisor.

Independent Financial Advisor Near Cardiff (CF1)

As described in the Key Facts Document, any disputes should commence with the company's complaints procedure. You can inform the Financial Ombudsman of the situation if it remains unresolved within the time-frame set by the regulating body, and your advisor is a member of the FCA.

The Financial Ombudsman will make a ruling after reviewing the cause for complaint independently. A decision will be made on how to financially compensate the client, if the complaint is justified. Once the decision is accepted by the customer it becomes a legally binding decision which the financial advisor and their company, must comply with. The Ombudsman will also consider any trouble, upset, inconvenience and distress caused to the client during the situation, and fix the level of compensation proportionately.

Book a Financial Advisor in Cardiff UK

Financial advice can be provided in Cardiff and also nearby in: Splott, Roath, Sully, Cowbridge, Risca, Llanishen, Danescourt, Barry, Llandaff, Gabalfa, Machen, Rumney, Wenvoe, Caerphilly, Culverhouse Cross, Penarth, Llantrisant, St Mellons, Pencoed, Dinas Pawys, as well as in these postcodes CF10 1AD, CF10 1BS, CF10 1EZ, CF10 1BU, CF10 1PL, CF10 2FG, CF10 2FJ, CF10 2EQ, CF10 2AN, CF10 2BY. Local Cardiff financial advisors will most likely have the postcode CF1 and the telephone dialling code 029.

Cardiff Financial Advice Services

Financial Advice Tasks Cardiff

There is a range of services that can be provided by your local Cardiff financial advisor including pension planning, general financial planning, will writing services Cardiff, pension planning Cardiff, mortgage advice, divorce financial planning, offshore investments, equity release advice, financial analyst services in Cardiff, ISA's, unit trusts, independent financial advice, life insurance advice Cardiff, cash flow modelling, investment planning Cardiff, personal financial planning Cardiff, cheap financial advice Cardiff, corporate financial planning, ethical investments in Cardiff, financial advice services, business financial planning Cardiff, retirement planning, cashflow analysis Cardiff, wealth management & investments, bridging finance Cardiff, and more.

Wales Financial Advisors

Advisor Advice Services Investment CF1 Cardiff Financial Advice Advisors Wales 029 Financial Advisers Financial Advisor

Around Wales you'll additionally find: Fishguard financial advisors, Llanerchymedd investment advice, Machen investment advice, Abersychan financial advice, Abercynon investment advisors, Rhyl investment advice, Pontyberem financial advice, Aberystwyth investment advisors, Efail Isaf investment advice, Church Village financial advice, Amlwch financial advisors, Beddau financial advisors, Ewenny financial advice, Builth Wells financial advice, Queensferry financial advice, Tredegar investment advice, Harlech financial advice, Mostyn investment advisors, Ruthin investment advice, Machen financial advisors, Glyn Neath financial advice, Saundersfoot investment advice, Barmouth financial advice, Cwmavon financial advisors, Abergele financial advisors, Pembrey financial advice, Rhuddlan financial advisors, Cwmfelinfach investment advice.

Daily Duties for a Financial Advisor

  • A financial advisor works in collaboration with associates to collect statistics, market information and trends.
  • A financial advisor provides consultation, counselling and education with regards to investments and finances.
  • A financial advisor negotiates with providers of financial products.
  • A financial advisor updates clients concerning their investments.
  • A financial advisor recommends the financial products that are best-suited to clients.
  • A financial advisor meets targets for sales and performance.
  • A financial advisor maintains detailed records of transactions and customers.
  • A financial advisor produces detailed financial reports.
  • A financial advisor chats with customers regarding their finances and plans.
  • A financial advisor keeps fully up to date with regulation changes and new products.

Financial Advisors Near Cardiff

Also find: Cowbridge financial advisors, Culverhouse Cross financial advisors, Penarth financial advisors, Risca financial advisors, Roath financial advisors, Danescourt financial advisors, Llandaff financial advisors, Sully financial advisors, Gabalfa financial advisors, Rumney financial advisors, Pencoed financial advisors, Barry financial advisors, Wenvoe financial advisors, St Mellons financial advisors, Splott financial advisors, Llantrisant financial advisors, Caerphilly financial advisors, Machen financial advisors, Dinas Pawys financial advisors, Llanishen financial advisors and more.

Cardiff Financial Advice Services

Find a Financial Advisor in Cardiff Here
Financial Advice Enquiries in Cardiff Wales (029)
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Financial Advisors Around Cardiff: People living in the following areas and streets have just recently inquired about financial advice - St Davids Crescent, Brockhampton Road, Castle Close, Ty-coch Road, Stanway Road, Augusta Street, Birchfield Crescent, Camelot Way, Baldwin Close, Duffryn Road, Brook Court, Cherry Tree Close, Caradoc Close, Tarragon Way, Springwood, Dale Avenue, St Agatha Road, Bedford Place, Tanglewood Close, Sedgemoor Road, Soberton Avenue, Cherry Close, Diamond Street, St Fagans Road, The Shires, Caer Castell Place, The Green, Titan Road, Albany Road, Bristol Terrace, as well as these local Cardiff postcodes: CF10 1AD, CF10 1BS, CF10 1EZ, CF10 1BU, CF10 1PL, CF10 2FG, CF10 2FJ, CF10 2EQ, CF10 2AN, CF10 2BY.

To find local information about Cardiff, Wales click here

Independent financial advisor in CF1 area, phone code 029.

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