Financial Advisor Carmarthen

Carmarthen Independent Financial Advice & Investment

Financial Advisor Carmarthen Wales (SA31): It can be a challenging experience trying to locate a first-rate independent financial advisor in Carmarthen, in particular if it's the first time that you're in search of financial advice. Whether you're looking for mortgage, investments, pensions or even insurance guidance, all financial advisors are bound by one simple rule; they must all conform to the regulations of the Financial Conduct Authority (FCA). The good thing about this is that if a financial advisor who is FCA certified gives you poor advice, and things go awry, you've got guarantees, and are able to get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme to get it put right.

Free Carmarthen Financial Advisor Quotes

When picking a financial advisor in Carmarthen, a good place to start could be friends and relatives, however you must bear in mind that your situation may not be in line with theirs, and you might need a different sort of advice. Financial advice should be specifically tailored to your unique situation, and you'll discover that certain financial advisors may not be suitable for your requirements. It is a good idea to speak to at least 3 different firms when you're picking a financial advisor, because this is an important decision, and you will be looking to find one that you can trust and feel at ease with, and check out the options they offer.

Financial Advisor Carmarthen Wales (SA31)

Restricted advisors and independent financial advisors, are the 2 principal types of financial advisor in Carmarthen. The advantage of seeing an IFA is that they won't be restricted to the services or products of just one provider, and can offer a wide range of options. Independent financial advice should be given in an impartial and unbiased way and across the whole spectrum of financial products and companies. If you elect to use an IFA, you'll be able to pick from the widest possible range of products, so as to find the ideal solution for your needs. A restricted financial advisor might be limited to products and services from a single company, or might even concentrate on just one product, as can be the case with a mortgage advisor.

Before any financial advisor takes you on as a client, they're required by the FCA to be transparent about their charges. You might be charged by the hour, a set fee or possibly even a percentage of your investment, contingent on services you are looking for. You might be offered the chance of a free preliminary consultation to enable you to discuss your objectives and see if the advisor is the correct fit for you and your situation. In some larger Carmarthen companies, you might find that your account is being handled by a team as opposed to an individual.

Financial Advisors Carmarthen UK (01267)

To outline your targets and financial situation to the advising firm, you will be required to fill in a "Fact Find" document, which is a confidential disclosure form. To provide details about the financial advisor, their status to offer independent or restricted advice and the scope of their permissions in the financial arena, you will also be handed an Initial Disclosure, or Key Facts Document. This document should also make clear your legal rights and the possible options you can take if you aren't happy with the service, and would like to make a complaint. It must be easily understood, written in layman's terms, and outline exactly what you're signing up for, together with the benefits and risks of going along with the advice. This document must also tell you about the level of cooling-off period. This permits you to change your mind within a certain time frame, and cancel the agreement with your financial advisor.

The first time you're speaking to your financial advisor you should check what experience and qualifications they've got. After all you're on the verge of entrusting your financial future to their skill, so you shouldn't be embarrassed about asking these questions. A Level 4 qualification is the minimum required qualification for any Carmarthen financial advisor, and they also have to be able to present you with an annual Statement of Professional Standing. If the advisor's name doesn't show up on the Financial Services Register, you shouldn't stress, the firm the person works for will almost certainly be on the register and their advisors are all covered by the regulations. If these can't be presented the person may still offer financial guidance as opposed to advice. Guidance differs to advice as it's not regulated, and if mistakes are made there will likely be no recourse to either party.

Financial Advisor Quotes in Carmarthen Wales

If it is investments that you're interested in, the advisor will want to know the level of risk you might be ready and able to take on with your hard-earned money. Bigger rewards could be possible with high risk investments, however you stand a greater chance of losing some or all of your funds. In order to get the most beneficial financial and investment advice, your savings goals will need to be given careful consideration, i.e. how rapidly you need access to your money, long or short term investments and how much capital you want to invest. One question you should ask yourself, which is normally neglected, is just how much you can afford to lose. This is called your capacity for loss and may well affect the services and products that could be offered to you.

Financial Advice Near Carmarthen Wales

If you've already got any current investments, mortgage loans, regular outgoings or personal savings, you need to let your financial advisor know about these. They'll need to know this, so that they can get a clear picture of your finances and give the correct advice for you. Spreading the risk load across various different products by diversifying your investments and savings, is something that smart financial advice should allow for. So as to mirror your financial circumstances and goals, a qualified financial advisor in Carmarthen will be aware of the best areas to consider.

Your financial advisor will communicate in as much plain speech as possible, while unmasking the multifaceted world of finance. This will enable you to compare services and products which match your needs, and make an informed decision. If you are mind is firmly on the environment, you can maybe ask your advisor to stick to ethical savings and investments. This not only provides you with investment opportunities, but also allows you to lend your support to zero carbon or renewable energy projects, and stay away from companies and businesses that do not share the same values.

Establishing a close working relationship with a financial advisor in Carmarthen could create problems with your work and other obligations. Face-to-face meetings can be supplemented with telephone calls and video conferencing to allow you to get advice at times that suit you. Remote and home working is now so common, and an experienced financial advice provider in Carmarthen will have rigorous measures in place to ensure your details are kept secure and confidential, even if you never have a one-on-one meeting with your personal advisor.


Investments can easily go down as well as up, since the financial world can be unpredictable. If it happens that your investment is not making as much money as you were hoping for, it can be a very demoralising and worrying time. Your investment having a downward trend isn't a recognised basis for complaint, unless your financial advisor has given you wrong or misleading information.

Independent Financial Advisor Near Carmarthen (SA31)

As described in the Key Facts Document, any grievances should start with the company's complaints procedure. You can tell the Financial Ombudsman about the issue if it is unsolved within the period stipulated by the regulating body, and your financial advisor is a member of the FCA.

The Financial Ombudsman will look into the cause for complaint and make a ruling. If it is found that the complaint is legitimate, a decision will be made on how the customer can be financially compensated. Once the ruling has been agreed on by the customer it becomes a legally binding decision which the advisor and their firm, must comply with. Any compensation as set out by the Financial Ombudsman will also take into account any trouble, inconvenience, upset and distress caused to the customer during the process.

Book a Financial Advisor in Carmarthen UK

Financial advice can be provided in Carmarthen and also in: Parc Pensarn, Llangain, Bancycapel, White Mill, Llangunnor, Johnstown, Uplands, Cwmffrwd, Pensarn, Bronwydd Arms, Abergwili, Idole, Tregynwr, Llanllwch, as well as in these postcodes SA31 1LW, SA31 1DP, SA31 1HA, SA31 1NQ, SA31 1PX, SA31 1PZ, SA31 1EA, SA31 1RB, SA31 1QY, SA31 1RZ. Locally based Carmarthen financial advisors will probably have the postcode SA31 and the telephone dialling code 01267.

The Day to Day Duties of a Financial Advisor

  • A financial advisor works together with peers to obtain trends, statistics and market information.
  • A financial advisor keeps detailed records of potential clients and transactions.
  • A financial advisor keeps abreast of new financial products and law changes.
  • A financial advisor updates clients concerning their investments.
  • A financial advisor collaborates with providers of financial products.
  • A financial advisor meets performance and sales targets.
  • A financial advisor produces in-depth financial reports.
  • A financial advisor provides counselling, education and consultation with regards to investments and finances.
  • A financial advisor recommends the financial products that are best-suited to customers.
  • A financial advisor talks to customers about their plans and finances.

Wales Financial Advice Enquiries

Financial Advice Enquiries Wales

Recently posted Wales financial advice enquiries: Mr and Mrs Bailey from Glyn Ceiriog, Wales recently asked for information on offshore investments. Mr and Mrs Tailor from Bargod recently asked for information on financial planning. Vienna Long and Stanislaw Long from Y Felinheli, Wales recently asked for information on family income benefit. Ria Readman and Alexander Readman from Goodwick, Wales recently enquired about financial planning. Denis and Poppy-Mae Quinn from Queensferry, Wales recently asked for information on offshore investments. Percy Firth and Theodora Firth from Wattsville, Wales recently enquired about pension advice. Elisha Pallett and Jago Pallett from Broad Haven, Wales recently asked for information on investment bonds. Layla Harden from Penrhyn Bay, Wales recently asked for information on investment bonds.

Carmarthen Financial Advice Services

Financial Advice Tasks Carmarthen

There are a wide array of services which are provided by your local Carmarthen financial advisor including ISA's, independent financial advice, inheritance tax planning in Carmarthen, business planning Carmarthen, pension drawdowns, pension reviews, tax planning, mortgage advice in Carmarthen, pension transfer advice in Carmarthen, ethical investment advice, unit trusts Carmarthen, life insurance, income protection Carmarthen, pension consolidation advice, personal financial planning, pension advice in Carmarthen, long term care fee advice in Carmarthen, trustee investment services Carmarthen, portfolio management, investment advice Carmarthen, financial planning in Carmarthen, investment advice, divorce financial planning Carmarthen, financial analyst services, investment bonds Carmarthen, and lots more.

Wales Financial Advisors

Advisor 01267 Carmarthen Financial Financial Advice Services Advisers Investment Financial Advisor SA31 Advisors Advice Wales

In the Wales area you'll also find: Llanharry investment advisors, Narberth investment advisors, Pontycymer financial advisors, Northop financial advisors, Llanharry investment advice, Haverfordwest financial advice, Denbigh financial advisors, Rhos on Sea investment advice, Northop Hall investment advisors, Wenvoe financial advice, Pen Y Groes financial advisors, Barmouth financial advice, Abermule investment advice, Connahs Quay investment advisors, Llanfair Pwllgwyngyll investment advice, Llantwit Major investment advice, Treharris investment advisors, Monmouth financial advisors, Llandrindod Wells financial advice, St Arvans investment advice, St Clears investment advisors, Benllech financial advisors, Broughton investment advice, Fishguard investment advisors, Blackwood investment advice, St Arvans investment advisors, Ferndale investment advisors, Shotton investment advice, Ystrad Mynach investment advisors, Pontyberem investment advice.


Financial Advisors Near Carmarthen

Also find: Tregynwr financial advisors, Abergwili financial advisors, Pensarn financial advisors, Llangain financial advisors, White Mill financial advisors, Parc Pensarn financial advisors, Johnstown financial advisors, Llangunnor financial advisors, Bancycapel financial advisors, Llanllwch financial advisors, Uplands financial advisors, Idole financial advisors, Bronwydd Arms financial advisors, Cwmffrwd financial advisors and more.

Carmarthen Financial Advice Services

Find a Financial Advisor in Carmarthen Here
Financial Advice Enquiries in Carmarthen Wales (01267)
  • Carmarthen Cheap Financial Advice
  • Carmarthen Corporate Financial Advice
  • Carmarthen Inheritance Advice
  • Carmarthen Tax Advice
  • Carmarthen Estate Planning
  • Carmarthen Financial Advice Quotations
  • Carmarthen Retirement Planning
  • Carmarthen Pension Advice
  • Carmarthen Wealth Management
  • Carmarthen Independent Financial Advice
  • Carmarthen Life Insurance Advice
  • Carmarthen Financial Services
  • Carmarthen Trustee Investments
  • Carmarthen Investment Advice

Financial Advisors Around Carmarthen: Financial advisors were recently required by folks living in St Catherine Street, Mansel Street, Waterloo Terrace, Spilman Street, Brynderwen, Friars Park, St Peter's Court, Cillefwr Road East, Clos Catrin, Plas Y Ddol, St Peter's Street, Dyfed Close, Dyffryn Tywi, Pond Street, Brickyard Lane, Beech Road, St Non's Avenue, Heol Disgwylfa, Llwyn Yr Eos, Lon Hir, Heol-y-delyn, Coracle Way, Llys Y Nant, Cardifor Street, Wood's Row, The Mount, Hafod Elfed, Penuel Street, Coed Y Plas and these Carmarthen postcodes: SA31 1LW, SA31 1DP, SA31 1HA, SA31 1NQ, SA31 1PX, SA31 1PZ, SA31 1EA, SA31 1RB, SA31 1QY, SA31 1RZ.

To read local info about Carmarthen, Wales go here

Independent financial advisor in SA31 area, telephone code 01267.

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