Financial Advisor Cheltenham

Cheltenham Independent Financial Advice & Investment

Financial Advisor Cheltenham Gloucestershire (GL50): Finding a good independent financial advisor in the Cheltenham area can be a daunting experience, particularly if you're seeking financial advice for the very first time. However, all professional financial advisors are bound by one simple rule; they must all adhere to the regulations laid down by the FCA (Financial Conduct Authority), regardless of whether you are searching for pensions, investment, mortgage or even insurance advice. The good thing about this is that should a financial advisor who is FCA authorised give you bad advice, and anything goes wrong, you've got guarantees, and are able to get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme to have it put right.

Free Cheltenham Financial Advisor Quotes

Relatives and friends recommendations can be a decent starting place in selecting a financial advisor in Cheltenham, but remember that their situation could be different to the sort of advice you are looking for. Financial advice needs to be specifically tailored to your particular situation, and you will discover that some financial advisors may not be suitable for you. To investigate the various options that they're offering and find a financial advisor that you feel comfortable with and can trust, it is a good idea to talk to at least three different firms, because choosing a financial advisor is a big decision.

Financial Advisor Cheltenham Gloucestershire (GL50)

There are two main kinds of financial advisor in Cheltenham; restricted advisors and independent financial advisors. Offering a more diverse range of options, an independent financial advisor will not be limited to the services or products of a single provider. Independent financial advice should cover the entire gamut of financial companies and products, and should be offered in an impartial way. Using an IFA should enable you to choose from the widest possible array of services. If you go to a restricted advisor you'll soon realise that they might be limited to services and products of a particular company, or as in the case of a mortgage advisor, might only be focused on one solitary product.

Before any financial advisor in Cheltenham accepts you as a client, they are required by the FCA to tell you about their charges. Dependant upon the type of service you are interested in, you could be charged by the hour, a set fee or possibly even a percentage of your investment. You may be offered a free first consultation to allow you to discuss your objectives and find out if the advisor is the correct fit for your situation. If you go with one of the larger Cheltenham companies, your account might be handled by a team of advisors rather than a single person.

Financial Advisors Cheltenham UK (01242)

Before any actual financial advice is given you'll be asked to complete a confidential disclosure form, called a "Fact Find" document, which informs the advising firm about your goals and financial situation. To provide details of the financial advisor, their situation for offering restricted or independent advice and their scope of permissions in the financial sector, you'll also be handed an Initial Disclosure, or Key Facts Document. Your own rights will also be spelled out in this document, in addition to the options you can take if you wish to complain because you aren't satisfied with the service you're given. It must be easy to understand, written in layman's terms, and explain exactly what you're committing yourself to, together with the benefits and risks of accepting the proffered advice. The Key Facts Document should also tell you about the allowed cooling-off period. This permits you to cancel the agreement within a certain time period, and whenever any penalty charges have to be paid.

The very first time you are speaking with the financial advisor you should check what experience and qualifications they have. Asking such questions should never be a cause for embarrassment, because you're entrusting them with your financial future. All Cheltenham financial advisors must as a minimum hold a Level 4 qualification and be able to present an annual Statement of Professional Standing. If the advisor's name does not appear on the Financial Services Register, you shouldn't freak out, the company the advisor works for will almost certainly be on the register and their advisors are all covered by the regulations. If they are unable to present this evidence, the individual cannot offer advice but is able to offer financial guidance. Guidance is not regulated in the way that financial advice is, which means that if mistakes arise neither party will have any recourse.

Financial Advisor Quotes in Cheltenham Gloucestershire

If it is investments that you're interested in, your advisor will want to know the amount of risk you might be prepared to take on with your hard-earned cash. Many investments carry some degree of risk, but higher risk investments may offer better rewards, and also more chance of losing your cash. Your savings goals should be taken into account if good financial and investment advice is to be given, i.e. long or short term investments, how much capital you want to invest and how rapidly you need to access your funds. One question you should ask of yourself, which is usually overlooked, is just how much you can afford to lose. Sometimes referred to as your capacity for loss, this will very likely have an effect on products and services that you are offered.

Financial Advice Near Cheltenham Gloucestershire

You must let your financial advisor know about your current investments, mortgages, savings accounts or regular outgoings. To make certain that you receive the most appropriate advice for you, they need to have a full and clear picture of your finances. The diversification of your investments and savings by spreading the risk load across various products, is an important part of reliable financial advice. In order to reflect your goals and financial circumstances, an experienced financial advisor in Cheltenham will understand the best products to consider.

Communicating in in the simplest terms possible, your financial advisor will throw open the complex world of finance and investment. This will allow you to compare services and products that match your needs, and make an informed decision. You could perhaps ask your financial advisor only to include ethical investments and savings. You will then be able to stay clear of investments that investments meet your standards, but instead support those firms and organisations that match your concerns, for example green energy or zero carbon.

Working together with your financial advisor in Cheltenham can be tricky to fit in around work and other responsibilities. To enable you to get advice at a time to suit you, one-on-one appointments can be backed up with video conferencing and telephone. Even if you never have an in-person meeting with your advisor, any professional financial advice company in Cheltenham will have stringent measures in place to ensure your details are kept secure and confidential, because working from home and remote working is now a large part of our society.


You need to bear in mind that the financial sector can be a volatile one, and investment values could just as easily drop as well as rise. If it just so happens that your investment is not making the amount of money you were hoping for, it can be a very disheartening and worrying time. A downward spiraling of your investment is not a recognised grounds for complaint, unless your advisor has supplied you with misleading or wrong information.

Independent Financial Advisor Near Cheltenham (GL50)

As detailed in the Key Facts Document, any disputes should begin with the company's complaints procedure. You can tell the Financial Ombudsman about the situation if it is unsolved within the time schedule set out by the regulating authority, and your advisor is a member of the Financial Conduct Authority.

After independently reviewing the cause for complaint, the Financial Ombudsman will make a ruling on the issue. If it is established that the complaint is legitimate, a decision is made on how the client can be financially compensated. The advisor and their firm must abide by any ruling that is made, which becomes legally binding once the customer has agreed to it. The Ombudsman will also consider any distress, trouble, annoyance and inconvenience caused to the client during the situation, and fix the level of compensation proportionately.

Book a Financial Advisor in Cheltenham UK

Financial advice can be provided in Cheltenham and also in nearby places like: Warden Hill, Whaddon, Uckington, Shurdington, Lynworth, Staverton, Benhall, Prestbury, Southam, Montpelier, Swindon Village, Leckhampton, Pittville, Rowanfield, Alstone, Battledown, Charlton Kings, together with these postcodes GL50 2EY, GL50 2AJ, GL50 2DN, GL50 1ER, GL50 2AZ, GL50 2DF, GL50 1NN, GL50 1UA, GL50 1LN, GL50 1YF. Locally based Cheltenham financial advisors will most likely have the telephone dialling code 01242 and the postcode GL50. Simply click the "enquiry" banner to get information on financial advisors in your location.

A Financial Advisor's Day to Day Duties

  • Working in conjuction with colleagues to collect market information, trends and statistics.
  • Recommending the best-suited financial products to clients.
  • Producing detailed financial reports.
  • Meeting targets for sales and performance.
  • Making advantageous deals with with providers of financial products.
  • Providing education, consultation and counselling with regards to finances and investments.
  • Keeping fully up to date with law changes and new financial products.
  • Speaking to customers about their plans and finances.
  • Consistently updating clients about their investments.
  • Keeping a record of potential customers and transactions.

Cheltenham Financial Advice Services

Financial Advice Tasks Cheltenham

There is a variety of services that are provided by your local Cheltenham financial advisor including stakeholder pension advice, inheritance tax planning, investment planning in Cheltenham, pension transfers in Cheltenham, offshore investments, trusts Cheltenham, pension advice in Cheltenham, pension consolidation Cheltenham, ethical investment advice in Cheltenham, life assurance advice Cheltenham, life insurance Cheltenham, investment bonds, general financial planning in Cheltenham, will writing services in Cheltenham, equity release advice, ISA's in Cheltenham, income protection Cheltenham, portfolio management, annuities, pension reviews in Cheltenham, cheap financial advice, cash flow modelling Cheltenham, financial advice services, tax planning in Cheltenham, personal financial planning Cheltenham, and lots more.

Gloucestershire Financial Advice Enquiries

Gloucestershire Financial Advice Enquiries

Recently posted Gloucestershire financial advice enquiries: Dougie Bithell from Stonehouse, Gloucestershire recently enquired about pension advice. Mariya Wardle from Oldland, Gloucestershire recently asked for information on pensions. Maximus Kearney from Lechlade recently asked for information on offshore investments. Nola and Leon Lennon from Almondsbury recently asked for information on family income benefit. Maisy Whalley and Essa Whalley from Rodborough recently asked for information on offshore investments. Riya Edwards from Coalway recently asked for information on family income benefit. Mr and Mrs Baker from Hardwicke recently enquired about family income benefit. Rosanna and Jensen Conroy from Hawkesbury recently enquired about equity release.

Financial Advisors Gloucestershire

Advisers Advisor Financial Advice 01242 Advisors GL50 Cheltenham Financial Advisor Financial Advice Services Investment Gloucestershire

In the Gloucestershire area you can additionally find: Clifton financial advice, Hanham investment advice, Newnham investment advice, Stoke Gifford financial advice, Winchcombe financial advice, Avening financial advice, Southam financial advisors, Charlton Kings investment advice, Bourton on the Water investment advice, Woolaston investment advisors, Huntley investment advisors, Woodmancote financial advisors, Bourton on the Water financial advice, Woodchester financial advice, Rodborough investment advisors, St Briavels investment advice, Siston financial advice, West Dean financial advice, Charfield investment advice, Winchcombe investment advice, Deerhurst financial advice, Berkeley investment advice, Westbury on Severn investment advice, Upper Rissington investment advice, Soudley financial advisors, Siddington financial advice, Winchcombe investment advisors, Badgeworth financial advice, Wickwar investment advice, Lydney investment advice.


Financial Advisors Near Cheltenham

Also find: Swindon Village financial advisors, Uckington financial advisors, Benhall financial advisors, Southam financial advisors, Charlton Kings financial advisors, Leckhampton financial advisors, Alstone financial advisors, Rowanfield financial advisors, Pittville financial advisors, Staverton financial advisors, Prestbury financial advisors, Whaddon financial advisors, Warden Hill financial advisors, Shurdington financial advisors, Lynworth financial advisors, Montpelier financial advisors, Battledown financial advisors and more.

Cheltenham Financial Advice Services

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

Financial Advisors Around Cheltenham: In Somme Road, The Lanes, Brockhampton Road, Arle Avenue, Collum End Rise, Aston Grove, Chargrove Lane, Buttercross Lane, Camberwell Road, St Edwards Road, Ashway, Caernarvon Close, The Bowl, Chestnut Place, Church View, Thirlestaine Road, Sunset Lane, Stoneville Street, Broadmoor, Didbrook Fields, Beeches Road, Clare Street, Stanwick Drive, Trinity School Lane, The Close, Taddington, Timbercombe Mews, Albany Road, Stowell Mill, Cherry Orchard, as well as the following local Cheltenham postcodes: GL50 2EY, GL50 2AJ, GL50 2DN, GL50 1ER, GL50 2AZ, GL50 2DF, GL50 1NN, GL50 1UA, GL50 1LN, GL50 1YF, folks have just recently needed financial advice.

More Cheltenham Services: Obviously, when you are looking at your finances in Cheltenham, Gloucestershire, you'll likely need all kinds of different services and as well as a financial advisor in Cheltenham, Gloucestershire, you could also need tax preparation in Cheltenham, property law & conveyancing in Cheltenham, mortgage brokers in Cheltenham, estate planning in Cheltenham, family lawyers in Cheltenham, banruptcy lawyers in Cheltenham, will writing in Cheltenham, bookkeeping in Cheltenham, investment advisors in Cheltenham, debt recovery & collection in Cheltenham, business financial planning in Cheltenham, business consulting in Cheltenham, mortgage advice in Cheltenham, payroll services in Cheltenham, accountants in Cheltenham, solicitors in Cheltenham, contracts lawyers in Cheltenham, and other different Cheltenham experts.

If you want local information on Cheltenham, Gloucestershire click here

More Gloucestershire Financial Advisors: More Gloucestershire financial advisors: Bristol, Cheltenham, Stroud, Dursley, Yate, Cirencester, Gloucester and Tewkesbury.

Independent financial advisor in GL50 area, phone code 01242.

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