Financial Advisor Cheltenham

Cheltenham Independent Financial Advice & Investment

Financial Advisor Cheltenham Gloucestershire (GL50): It can be an intimidating experience trying to find a good independent financial advisor in the Cheltenham area, especially if it's the first time that you're seeking financial advice. Whether it's mortgage, pension, investments or even insurance advice that you're searching for, there's one common rule for all qualified financial advisors; they all have to comply with Financial Conduct Authority (FCA) regulations. This comes with some guarantees, thus after taking advice from a FCA authorised financial advisor in Cheltenham, you can seek reparation from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if something should go wrong.

Free Cheltenham Financial Advisor Quotes

When choosing a financial advisor in Cheltenham, a good place to start could be neighbours and friends, however you must remember that your circumstances may not be in line with theirs, and you may need a different sort of advice. Financial advice should be individually tailored to your particular circumstances, and you will discover that certain financial advisors might not be appropriate for you. Selecting a financial advisor is a major decision and it pays to talk to at least 3 different firms so as to check out the various options they can offer, and to find one you feel comfortable with and can trust.

Financial Advisor Cheltenham Gloucestershire (GL50)

Restricted advisors and independent financial advisors (IFA), are the 2 principal types of financial advisor in Cheltenham. An IFA should not be restricted to the services or products of a single provider. Independent financial advice should encompass the whole gamut of financial products and companies, and should be given in an impartial way. Consulting an IFA should permit you to select from the widest possible range of services. If you use a restricted advisor you'll find that they could be limited to services and products of a single firm, or as with a mortgage advisor, will only be involved with one individual product.

The Financial Conduct Authority requires that any financial advisor in Cheltenham must be fully transparent with you about their charges, before accepting you as a client. Although it can vary in accordance with the kind of product you are looking for, there could be an hourly rate, a set fee, or you might even be charged a percentage of what you are investing. A free initial consultation may be offered, so you can discuss your aims and circumstances to determine whether the advisor is the right fit. In some of the bigger Cheltenham companies, you might find that your account is looked after by a team as opposed to an individual.

Financial Advisors Cheltenham UK (01242)

You will be required to fill in a "Fact Find" form, which is a confidential disclosure document relating your goals and financial situation to the advising company. To provide information about the financial advisor, their situation for offering restricted or independent advice and the scope of their permissions in the financial market, you will also be handed a Key Facts Document, or Initial Disclosure Document. Your own rights should also be spelled out in this document, together with the options you can take if you wish to complain because you aren't happy with the service you are given. It should be easily understood, written in layman's terms, and outline precisely what you're signing up for, together with the benefits and risks of going along with the advice. You will find the amount of cooling-off period in the Key Facts Document. Within a specific time period, this allows you to cancel your agreement.

Ensure that you check the qualifications and experience of the financial advisor the first time you speak with them. After all you're on the verge of entrusting your financial future to their skill, so you should never be embarrassed about asking such questions. Every Cheltenham financial advisor must be in a position to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. You don't need to worry if your specific advisor's name does not show up on the Financial Services Register, providing the company is listed on the register, their personnel are covered by the regulations. The person may still offer financial guidance as opposed to advice, if these can't be provided. Guidance is somewhat different to advice as it is not regulated in the same way, and if mistakes occur there will likely be no recourse to the client.

Financial Advisor Quotes in Cheltenham Gloucestershire

If you're looking for advice on investments you'll be asked the level of risk you are willing and able to take. Higher risk investments could offer larger rewards, but all or some of your funds could be lost. Good quality financial and investment advice will take into account your savings objectives, i.e. how rapidly you need to access your money, how much cash you want to invest and short or long term investments. You must always ask yourself the one important question, how much money can you really afford to lose. This may influence the services and products that could be offered for your consideration, and is sometimes referred to as your capacity for loss.

Financial Advice Near Cheltenham Gloucestershire

Right from the start, it's imperative that you let your financial advisor know about any savings accounts, regular outgoing payments, investments or mortgage loans that you currently have. To make certain that you get the best advice for you, they need to have a clear and full picture of your financial situation. Spreading the risk load across a number of different products through the diversification of your savings and investments, is something that good quality financial advice should allow for. In order to match your financial situation and your goals, a professional financial advisor in Cheltenham will have the knowledge of the best products to consider.

Your financial advisor will attempt to communicate in the clearest possible way, to unveil the complex world of finance. This will permit you to compare products and services that match your needs, and come to an informed decision. You can perhaps ask your financial advisor only to specify ethical savings and investment schemes. This not only provides you with investment opportunities, but also enables you to lend your support to renewable energy or zero carbon projects, and keep away from companies and businesses that do not share the same values that you do.

Working closely with a financial advisor in Cheltenham can be tricky to manage around work and other commitments. To enable you to seek advice at times that suit you, face-to-face appointments can be supplemented with telephone and video conferencing. Home and remote working is now commonplace, and a professional financial advice company in Cheltenham will have strict measures in place to ensure your details are kept secure and confidential, even if you rarely have a one-to-one meeting with your personal advisor.


Investments can be an unpredictable area, and their values can go down as well as up. It can be extremely worrying and frustrating if your investment is not making as much money as you were hoping for. A downward spiral in your investment isn't a recognised cause for complaint, unless your advisor has supplied you with misleading or incorrect information.

Independent Financial Advisor Near Cheltenham (GL50)

As laid out in the Key Facts Document, any complaints should begin with the company's complaints procedure. If the matter remains unsolved within the time period set by the regulating authority, and the advisor is a member of the Financial Conduct Authority, you can inform the Financial Ombudsman.

After looking into the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. A decision will be made on how to financially compensate the client, if the complaint is upheld. This will become a legally binding decision once it has been agreed on by the client, and the advisor and their company must abide by the ruling. Any compensation set by the Financial Ombudsman will also take into consideration any hassle, inconvenience, annoyance and distress caused to the client during the process.

Book a Financial Advisor in Cheltenham UK

Financial advice can be provided in Cheltenham and also in: Shurdington, Montpelier, Swindon Village, Rowanfield, Leckhampton, Pittville, Staverton, Uckington, Battledown, Alstone, Benhall, Charlton Kings, Southam, Prestbury, Warden Hill, Whaddon, Lynworth, as well as in these postcodes GL50 1YD, GL50 1TY, GL50 1HX, GL50 2BQ, GL50 2BY, GL50 1RH, GL50 1RS, GL50 1EG, GL50 1QZ, GL50 1JZ. Local Cheltenham financial advisers will most likely have the postcode GL50 and the telephone dialling code 01242. Checking this out can ensure that you're accessing local financial advisers. Cheltenham property owners can utilise these and many other similar services.

Cheltenham Financial Advice Services

Financial Advice Tasks Cheltenham

There are a number of different services which are provided by your local Cheltenham financial advisor including life insurance advice, portfolio management, trusts in Cheltenham, ethical investments Cheltenham, financial analyst services, business planning in Cheltenham, pensions in divorce, savings advice in Cheltenham, cheap financial advice Cheltenham, wealth management in Cheltenham, corporate bonds in Cheltenham, retirement planning, income protection advice, pension reviews, pension drawdowns in Cheltenham, divorce financial planning, investing an inheritance in Cheltenham, financial planning, investment plans, unit trusts, life assurance, pension planning, business protection, corporate financial planning in Cheltenham, annuities, pension consolidation advice in Cheltenham, bereavement benefit advice in Cheltenham, bridging finance, family income benefit, investment consolidation advice, and more. These are just a few of the tasks that can be conducted by a financial advisor. Cheltenham professionals will be happy to tell you about their full range of services.

Skills Necessary for a Financial Advisor

  • To be target driven.
  • To have good IT skills.
  • Effective management skills for negotiating product prices.
  • Good verbal communication skills.
  • Effective skills in customer service for establishing client needs and requirements.
  • A thorough knowledge of accounting and economics associated with financial products and markets.
  • To pay attention to detail and be thorough.
  • To be able to network and establish solid relationships with clients.
  • An outstanding level of mathematical knowledge for building financial packages.
  • To be good at promoting financial services and products.
  • To have attentive interpersonal and listening skills.

Financial Advisors Near Cheltenham

Also find: Benhall financial advisors, Whaddon financial advisors, Pittville financial advisors, Uckington financial advisors, Alstone financial advisors, Montpelier financial advisors, Rowanfield financial advisors, Battledown financial advisors, Lynworth financial advisors, Leckhampton financial advisors, Warden Hill financial advisors, Staverton financial advisors, Shurdington financial advisors, Swindon Village financial advisors and more. Financial advisers are available for discussions in all of these villages and towns. Business and home owners in the area can make enquiries about financial advice by going here.

Cheltenham Financial Advice Services

Find a Financial Advisor in Cheltenham Here
Financial Advice Enquiries in Cheltenham Gloucestershire (01242)
  • Cheltenham Pension Advice
  • Cheltenham Estate Planning
  • Cheltenham Retirement Planning
  • Cheltenham Financial Advice Quotes
  • Cheltenham Investment Advice
  • Cheltenham Trustee Investments
  • Cheltenham Tax Advice
  • Cheltenham Life Insurance Advice
  • Cheltenham Financial Services
  • Cheltenham Corporate Financial Planning
  • Cheltenham Cashflow Analysis
  • Cheltenham Wealth Management
  • Cheltenham Mortgage Advice
  • Cheltenham Cheap Financial Advice

More Cheltenham Services: Obviously, when you are looking at your finances in Cheltenham, Gloucestershire, you will likely be in need of all types of different services and apart from a financial advisor in Cheltenham, Gloucestershire, you might additionally need mortgage advice in Cheltenham, solicitors in Cheltenham, estate planning in Cheltenham, accounting in Cheltenham, banruptcy lawyers in Cheltenham, business financial planning in Cheltenham, wills & probate in Cheltenham, contracts lawyers in Cheltenham, debt recovery & collection in Cheltenham, investment advisors in Cheltenham, business consulting in Cheltenham, family lawyers in Cheltenham, payroll services in Cheltenham, mortgage brokers in Cheltenham, property law & conveyancing in Cheltenham, bookkeepers in Cheltenham, tax preparation in Cheltenham, and other different Cheltenham experts.

If you're interested in local Cheltenham info click here

Independent financial advisor in GL50 area, 01242.

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(This financial advisor Cheltenham page was edited and updated on 20-02-2024)