Financial Advisor Caterham

Caterham Independent Financial Advice & Investment

Financial Advisor Caterham Surrey (CR3): If you are in search of financial advice for the first time, trying to locate a first-rate independent financial advisor in the Caterham area can be a daunting experience. Whether it is pensions, mortgage, investment or even insurance guidance that you're searching for, there is one common rule for all professional financial advisors; they must all stick to FCA (Financial Conduct Authority) regulations. Any advice given from a FCA registered financial advisor in Caterham comes with guarantees that if things go wrong, you can get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme.

Free Caterham Financial Advisor Quotes

When picking a financial advisor in Caterham, a decent place to begin could be family and friends, however you must remember that your situation may not be in line with theirs, and you may be in need of a different kind of advice. Financial advice should be individually tailored to your particular situation, and you will discover that some financial advisors might not be suitable for you. It pays to speak with at least three different companies when you're picking a financial advisor, because this is an important decision, and you will be looking to find one that you feel comfortable with and can trust, and also check out the various options they offer.

Financial Advisor Caterham Surrey (CR3)

Restricted advisors and independent financial advisors (IFA), are the 2 main types of financial advisor in Caterham. An IFA should not be confined to a single provider's products and services. Independent financial advice must cover the whole gamut of financial companies and products, and should be offered in an impartial way. If you choose to use an IFA, you will be able to select from the widest possible range of services, in order to find the perfect solution for your needs. A restricted advisor might be involved with an individual product, such as a mortgage advisor, or be limited to services and products from a specific provider.

Before any financial advisor takes you on as a client, they're required by the Financial Conduct Authority to be transparent about their charges. Although it varies depending on the kind of product you're looking for, there may be a set fee, an hourly rate, or you might even be charged a slice of the money you are investing. You could be offered a free first consultation to allow you to discuss your objectives and determine whether the advisor is a good fit for you and your circumstances. In some of the bigger Caterham companies, you might find that your account is handled by a team rather than an individual.

Financial Advisors Caterham UK (01883)

To summarise your aims and financial situation to the advising company, you will be asked to fill out a "Fact Find" form, which is a confidential disclosure document. To provide information about the financial advisor, their status to offer restricted or independent advice and their scope of permissions in the financial market, you will also be handed a Key Facts Document, or Initial Disclosure Document. This document should also make clear your rights and your options if you're not satisfied with the service provided, and would like to complain. It has to be written in plain English and outline what you are signing up for, and any potential risks and benefits should you choose to go along with the advice offered. You can find the amount of cooling-off period in the Key Facts Document. This enables you to cancel the agreement within a specific period of time, and whenever any penalties are incurred.

The very first time you're speaking with the financial advisor you should check what qualifications and experience they have. You needn't be self-conscious about asking such questions, after all you're on the verge of entrusting your financial future to their skill. Every Caterham financial advisor must be able to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. Don't freak out if your particular financial advisor's name doesn't show up on the Financial Services Register, providing the firm is listed on the register, their employees will be covered by the legislation. If these cannot be presented the person can still offer financial guidance rather than advice. Guidance is not subject to regulations in the same way as financial advice, which means that if errors are made the client won't have any recourse.

Financial Advisor Quotes in Caterham Surrey

If it is investments that you're interested in, your advisor will want to know the amount of risk you might be willing and able to take with your hard-earned cash. Bigger rewards might be possible with high risk investments, but you could also lose some or all of your money. Good financial and investment advice will take into account your savings aims, i.e. how rapidly you need to access your funds, long or short term investments and how much cash you want to invest. "How much can you truly afford to lose?" Is the one crucial question that you really need to ask yourself. This might affect the products and services that could be offered for your consideration, and is generally known as your capacity for loss.

Financial Advice Near Caterham Surrey

From the outset, it is vital that you let your financial advisor know about any regular outgoing payments, investments, mortgages or savings accounts that you have. They will need this information, so they can get a picture of your financial situation and give the appropriate advice for your needs. The diversification of your investments and savings by spreading the risk across various products, is an important part of reliable financial advice. In order to reflect your goals and financial circumstances, a certified financial advisor in Caterham will understand the best areas to consider.

Communicating in the clearest way possible, your financial advisor will unmask the multifaceted world of finance and investment. You should be in a position to make an informed decision when you have learned about the various services and products which match your needs. If you're mind is firmly on the environment, you could ask your advisor to stick to ethical investments and savings. You can then avoid investments that investments meet your standards, and instead support those organisations and companies that address your concerns, for instance renewable energy or zero carbon.

It is not that easy to have a close working relationship with a financial advisor in Caterham without this impacting on work and other responsibilities. To allow you to get advice at a time to suit you, one-on-one appointments can be complemented with video conferencing and phone calls. Even if you rarely have a face-to-face meeting with your advisor, an experienced financial advice company in Caterham will have stringent measures in force to ensure your details are kept confidential and secure, because home and remote working is now so common.


You must always understand that the financial world is a volatile sector, and the value of your investments can just as easily fall as well as rise. If your investment fails to make as much money as you were hoping for, it can be very frustrating and worrying. Sadly, a downward trend in your investment isn't seen as a grounds for complaint, except if it is because of misleading or wrong information from your advisor.

Independent Financial Advisor Near Caterham (CR3)

Any grievances should start with the company's official complaints procedure as detailed in the Key Facts Document. If the issue remains unresolved within the time schedule set out by the regulating body, and the advisor is registered with the FCA, you can get in touch with the Financial Ombudsman.

The Financial Ombudsman will independently review the cause for complaint and make a ruling. If it's found that the complaint is justified, a decision will be made on how the customer can be financially compensated. Once agreed on by the customer, the ruling becomes a legally binding one, and the financial advisor and their firm must abide by it. The Ombudsman will also consider any hassle, inconvenience, upset and distress caused to the customer during the process, and set the level of compensation accordingly.

Book a Financial Advisor in Caterham UK

Financial advice can be provided in Caterham and also in nearby places like: Woldingham, Godstone, Oxted, Nutfield, Sanderstead, Whyteleafe, Kenley, Chaldon, Tatsfield, Coulsdon, Old Coulsdon, Merstham, Warlingham, Chipstead, Bletchingley, South Croydon, and in these postcodes CR3 5LW, CR3 5PP, CR3 5NH, CR3 5PB, CR3 5PX, CR3 5DZ, CR3 0GN, CR3 4AR, CR3 0AF, CR3 5HU. Local Caterham financial advisors will probably have the postcode CR3 and the telephone code 01883.

Skills and Knowledge Necessary for Financial Advisors

  • Excellent customer service skills for determining customer requirements.
  • To be thorough and pay attention to detail.
  • To be good at selling services and products.
  • To be able to network and build solid relationships with clients.
  • Attentive interpersonal and listening skills.
  • A solid understanding of accounting and economics associated with financial products and markets.
  • Effective management skills for the negotiation of product prices.
  • A good level of numeracy for building financial plans.
  • To have excellent time management skills.
  • Excellent skills in verbal communication.
  • To have good IT skills.

Surrey Financial Advisors

01883 Advisor CR3 Financial Caterham Advice Advisors Services Financial Advice Financial Advisor Advisers Investment Surrey

Around Surrey you'll additionally find: Chertsey investment advice, Frimley financial advisors, Shamley Green investment advisors, Godstone financial advice, Addlestone investment advisors, Horsell investment advice, Felbridge investment advice, Whyteleafe financial advisors, Westcott financial advisors, Newdigate investment advisors, Peaslake investment advice, Godalming financial advice, Hooley financial advice, Claygate financial advisors, Lightwater financial advisors, Frimley investment advisors, Smallfield investment advisors, Godstone financial advisors, The Sands investment advisors, Chaldon investment advisors, Fairlands investment advisors, Chobham financial advisors, Chaldon investment advice, Merrow investment advice, Staines investment advice, Bramley financial advice, Chilworth financial advisors, Shere investment advice, South Godstone financial advisors, Cranleigh financial advice.

Caterham Financial Advice Services

Financial Advice Tasks Caterham

There is a range of services that can be provided by your local Caterham financial advisor including life insurance advice, ethical investments, life assurance in Caterham, tax advice, wealth management & investments, financial advice services in Caterham, offshore investments, pension consolidation advice, investment advice, annuities, financial analyst services in Caterham, personal financial planning in Caterham, cash flow modelling, unit trusts, corporate bonds in Caterham, portfolio management, financial planning in Caterham, divorce planning Caterham, trusts, pension advice in Caterham, pension transfer advice Caterham, mortgage financial planning Caterham, business financial planning in Caterham, bridging finance, cashflow analysis, and lots more.


Financial Advisors Near Caterham

Also find: Old Coulsdon financial advisors, Merstham financial advisors, Whyteleafe financial advisors, Nutfield financial advisors, Woldingham financial advisors, Godstone financial advisors, Tatsfield financial advisors, Coulsdon financial advisors, South Croydon financial advisors, Oxted financial advisors, Chipstead financial advisors, Warlingham financial advisors, Sanderstead financial advisors, Bletchingley financial advisors, Kenley financial advisors, Chaldon financial advisors and more.

Caterham Financial Advice Services

Find a Financial Advisor in Caterham Here
Financial Advice Enquiries in Caterham Surrey (01883)
  • Caterham Cheap Financial Advice
  • Caterham Wealth Management
  • Caterham Tax Advice
  • Caterham Life Insurance Advice
  • Caterham Inheritance Advice
  • Caterham Independent Financial Advice
  • Caterham Financial Advice Quotes
  • Caterham Estate Planning
  • Caterham Pension Advice
  • Caterham Trustee Investments
  • Caterham Retirement Advice
  • Caterham Corporate Financial Advice
  • Caterham Cashflow Analysis
  • Caterham Mortgage Advice

Financial Advisors Around Caterham: Households in Asprey Grove, Tillingdown Hill, Whitehill Lane, Caterham By-pass, Church Walk, Dunedin Drive, St Mary's Mount, Park View, Tupwood Scrubbs Road, Waltham Road, Longsdon Way, Woolhams, Harestone Lane, Grange Road, Timber Hill Road, Crescent Road, Hextalls Lane, Greenwood Gardens, Windrushes, Beechwood Road, Mount Pleasant Road, Elgin Crescent, The Riddings, Highfield Drive, Tupwood Court, Newstead Rise, Loxford Way, have needed financial advice just recently. Financial advisors have also been active in the following local Caterham postcodes: CR3 5LW, CR3 5PP, CR3 5NH, CR3 5PB, CR3 5PX, CR3 5DZ, CR3 0GN, CR3 4AR, CR3 0AF, CR3 5HU.

More Caterham Services: Undoubtedly, whenever you happen to be looking at your finances in Caterham, Surrey, you'll probably be in need of all kinds of different services and aside from a financial advisor in Caterham, Surrey, you could also need accounting in Caterham, estate planning in Caterham, bookkeepers in Caterham, business consulting in Caterham, payroll services in Caterham, mortgage advice in Caterham, mortgage brokers in Caterham, debt recovery & collection in Caterham, business financial planning in Caterham, contracts lawyers in Caterham, family lawyers in Caterham, property law & conveyancing in Caterham, investment advisors in Caterham, solicitors in Caterham, will writing in Caterham, banruptcy lawyers in Caterham, tax preparation in Caterham, and other different Caterham experts.

Financial Adviser Jobs Caterham: View financial adviser jobs near Caterham here: Financial Advisor Jobs Caterham

If you need local info on Caterham, Surrey click here

Independent financial advisor in CR3 area, phone code 01883.

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(This financial advisor Caterham page was successfully updated on 06-05-2022)