Financial Advisor Cardiff

Cardiff Independent Financial Advice & Investment

Financial Advisor Cardiff Wales (CF1): It can be a daunting experience trying to find a decent independent financial advisor in Cardiff, particularly if it is the very first time that you're seeking financial advice. However, all financial advisors are bound by one common rule; they must all stick to the regulations set by the FCA (Financial Conduct Authority), regardless of whether you're looking for pension, mortgage, investments or even insurance advice. The advantage of this is that should a financial advisor who is FCA approved give you bad advice, and things go wrong, you have guarantees, and are able to contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to get things put right.

Free Cardiff Financial Advisor Quotes

Friends and neighbours recommendations can be a good starting point in selecting a financial advisor in Cardiff, but remember that their situation could be different to the kind of advice you are looking for. Financial advice must be specifically tailored to your particular situation, and you'll discover that certain financial advisors might not be suitable for your requirements. To check out the various options they're offering and find a financial advisor that you feel comfortable with and can trust, it is a good idea to talk with at least three different companies, because selecting a financial advisor is an important decision.

Financial Advisor Cardiff Wales (CF1)

When it comes to picking a financial advisor in Cardiff, there are essentially two main types; independent financial advisors and restricted advisors. The benefit of using an independent financial advisor is that they won't be limited to the services and products of a single provider, and can offer a wide range of options. Covering the whole gamut of financial products and companies, independent financial advice must be given in an unbiased and impartial way to clientele. If you opt to use an independent financial advisor, you will be able to pick from the broadest possible range of products, in order to find the ideal solution for your needs. A restricted financial advisor may be concerned with an individual product, as with a mortgage advisor, or be limited to products and services from one particular provider.

Before accepting you as a client, any Cardiff financial advisor must discuss their charges with you, as required by the FCA. Although it can vary contingent on the kind of product you're looking for, there could be a set fee, an hourly rate, or you could even be charged a percentage of what you're investing. To allow you to discuss your goals and see if the advisor is the proper choice for you and your situation, you will sometimes be offered the chance of a free first consultation. Your account may be managed by a team rather than one individual advisor, if you choose to go with one of the bigger firms in Cardiff.

Financial Advisors Cardiff UK (029)

Before any actual advice is handed out you'll have to complete a confidential disclosure document, called a "Fact Find" form, which tells the advising company about your financial situation and objectives. To provide information on the financial advisor, their status to offer independent or restricted advice and their range of permissions in the financial arena, you will also be given a Key Facts or Initial Disclosure Document. This document should also lay down your legal rights and the options you can take if you are not happy with the service provided, and want to complain. It should be typed out in plain language and detail what you are committing yourself to, and any possible risks and benefits should you opt to accept the offered advice. The cooling-off period should also be spelled out in this document. This enables you to cancel the agreement within a certain period of time, and if any penalties are incurred.

You'll want to check what experience and qualifications the financial advisor has the first time you speak to them. After all you're on the verge of entrusting your financial wellbeing to their expertise, so you should not be self-conscious about asking such questions. Every Cardiff financial advisor must be able to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. When checking the Financial Services Register, don't freak out if your financial advisor's name doesn't show up on there; you ought to be able to find the firm name, and that means the legislation covers all of their advisors. The person can still offer financial guidance rather than advice, if these can't be presented. Guidance is somewhat different to advice as it is not regulated in the same way, and if errors occur there may be no recourse to either party.

Financial Advisor Quotes in Cardiff Wales

If you're needing advice on investing money you'll be asked the level of risk you're ready to take. Many investments carry some element of risk, but high risk investments could potentially offer better rewards, but also more likelihood of losing some or all of your funds. Your savings goals will need to be taken into account if good investment advice is to be given, i.e. how quickly you need access to your money, how much you wish to invest and long or short term investments. You must always ask yourself the one crucial question, how much can you actually afford to lose. Generally known as your capacity for loss, this will very likely influence the products and services that you're offered.

Financial Advice Near Cardiff Wales

You must tell your financial advisor about your existing regular outgoings, investments, mortgages or savings accounts. To make certain that you receive the most appropriate advice for you, they need to have a full and clear picture of your financial circumstances. Spreading the risk load across a range of different products by diversifying your savings and investments, is something that good financial advice should allow for. So as to reflect your financial situation and your goals, a certified financial advisor in Cardiff will understand the best products to consider.

A financial advisor will lay bare the complex world of finance, and try to speak in as much plain speech as possible. This will permit you to compare services and products which meet your needs, and make an informed decision. If environmental issues are important to you, you could maybe ask that ethical savings and investments take precedence. This will allow you to support enterprises and firms which match your concerns, e.g. zero carbon or renewable energy, or perhaps staying away from businesses that don't meet your requirements.

Having constant interactions with your financial advisor in Cardiff could create problems with your work day and other responsibilities. This can be reduced by supplementing face-to-face meetings with telephone and video conferencing, therefore enabling you to seek the advice you need at convenient times. A competent financial advice company in Cardiff will have strict measures in force to ensure your details are kept confidential and secure, even if you rarely have a one-to-one meeting with your personal advisor, because home and remote working is no longer unusual.


You need to understand that the financial world is an unpredictable sector, and investment values can just as easily fall as well as rise. If your investment is not making the amount of money you hoped for, it can be incredibly disheartening and stressful. Your investment having a downward trend is not seen as a grounds for complaint, unless your financial advisor has supplied you with misleading or wrong information.

Independent Financial Advisor Near Cardiff (CF1)

Any complaints should start out with the firm's complaints procedure as indicated in the Key Facts Document. If the financial advisor is a member of the FCA, you can inform the Financial Ombudsman of the matter if it remains unresolved within the time-frame set out by the regulating authority.

After independently reviewing the cause for complaint, the Financial Ombudsman will make a ruling on the issue. If the complaint is found to be justified, a decision is made on how to financially compensate the customer. Once the decision is agreed on by the customer it becomes a legally binding decision that the advisor and their company, must abide by. Any inconvenience, distress, hassle and annoyance caused to the client during the situation, will be accounted for when the Ombudsman establishes the level of compensation.

Book a Financial Advisor in Cardiff UK

Financial advice can be provided in Cardiff and also nearby in: Danescourt, Roath, Gabalfa, St Mellons, Llanishen, Machen, Culverhouse Cross, Rumney, Wenvoe, Pencoed, Cowbridge, Llantrisant, Dinas Pawys, Barry, Splott, Llandaff, Sully, Risca, and in these postcodes CF10 1GJ, CF10 2BE, CF10 1LG, CF10 1BZ, CF10 2GB, CF10 1FE, CF10 1EN, CF10 1GA, CF10 1ER, CF10 1DA. Local Cardiff financial advisers will most likely have the telephone dialling code 029 and the postcode CF1. Checking this can guarantee that you are accessing locally based financial advisers. Cardiff home and business owners can utilise these and countless other comparable services. Simply click the "enquiry" form or banner to get specifics of financial advisors in your location.

Cardiff Financial Advice Services

Financial Advice Tasks Cardiff

There are a number of different services that are provided by your local Cardiff financial advisor including savings advice, multi-asset portfolios Cardiff, critical illness cover, mortgage services, equity release in Cardiff, investment consolidation in Cardiff, pension reviews, saving for children, unit trusts, trustee investment services, independent financial advice, divorce planning in Cardiff, business protection, wealth management & investments, pension planning in Cardiff, pension drawdowns Cardiff, cashflow planning, investment planning in Cardiff, personal financial planning in Cardiff, life assurance advice, investment bonds, pension consolidation advice Cardiff, tax planning, financial advice services, offshore investments, corporate bonds in Cardiff, inheritance tax planning, annuities, general financial planning, bereavement benefits, and more. These are just an example of the activities that can be conducted by a financial advisor. Cardiff professionals will be delighted to keep you abreast of their full range of financial services.

Necessary Skills for a Financial Advisor

  • To have a target driven attitude.
  • A good understanding of economics and accounting associated with financial markets and products.
  • A competent level of mathematical knowledge for producing financial plans.
  • Effective business management skills for the negotiation of product rates.
  • To pay attention to detail and be thorough.
  • To have the ability to use a computer and the main software programs.
  • The ability to promote services and products.
  • Good skills in customer service for determining client needs.
  • To have the ability to listen attentively
  • Good verbal communication skills.
  • To have the ability to network and establish relationships with clients.

Financial Advisors Near Cardiff

Also find: Llandaff financial advisors, Dinas Pawys financial advisors, Splott financial advisors, Gabalfa financial advisors, Sully financial advisors, Culverhouse Cross financial advisors, Cowbridge financial advisors, Machen financial advisors, Rumney financial advisors, Roath financial advisors, Wenvoe financial advisors, Llanishen financial advisors, St Mellons financial advisors, Danescourt financial advisors and more. Financial advisors are available for consultations in practically all of these towns and areas. Householders in these areas can make enquiries about financial advice by going here.

Cardiff Financial Advice Services

Find a Financial Advisor in Cardiff Here
Financial Advice Enquiries in Cardiff Wales (029)
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Financial Advisor Jobs Cardiff: See financial adviser jobs in Cardiff by clicking here: Cardiff Financial Advisor Jobs

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Independent financial advisor in CF1 area, 029.

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(This financial advisor Cardiff information was revised and updated on 20-02-2024)