Financial Advisor Chippenham

Chippenham Independent Financial Advice & Investment

Financial Advisor Chippenham Wiltshire (SN14): Locating a decent financial advisor advisor in Chippenham can be a daunting experience, especially if you are needing financial advice for the very first time. Whether you are looking for pensions, mortgage, investments or even insurance guidance, all qualified financial advisors have one thing in common; they all have to observe the regulations laid down by the Financial Conduct Authority (FCA). This comes with various guarantees, therefore after getting advice from a FCA registered financial advisor in Chippenham, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if something should go awry.

Free Chippenham Financial Advisor Quotes

A good starting place when choosing a financial advisor in Chippenham could be neighbours and friends, but remember that the sort of advice you're looking for could be different to theirs. Every financial advisor isn't suitable for everyone, and their advice should be tailored to your particular situation. It is wise to speak to at least three different companies when you're considering a financial advisor, because this is an important decision, and you need to find one that you feel comfortable with and can trust, and at the same time explore the various options they can provide.

Financial Advisor Chippenham Wiltshire (SN14)

There are two main kinds of financial advisor in Chippenham; restricted advisors and independent financial advisors (IFA). An IFA should not be confined to a single company's products and services. Independent financial advice must be offered in an impartial way and should cover the full spectrum of financial products and companies. If you elect to use an independent financial advisor, you'll be able to pick from the widest possible array of services, in order to find the ideal solution for you. If you go to a restricted advisor you will soon realise that they may be limited to services and products of a single firm, or as with a mortgage advisor, might only be focused on one individual product.

Before taking you on as a client, any financial advisor must fully discuss their charges with you, as demanded by the FCA. You might be charged by the hour, a set fee or perhaps even a proportion of your investment, depending on services you require. You could be offered the chance of a free first consultation to enable you to discuss your aims and see if the advisor is a right fit for your circumstances. If you use one of the bigger Chippenham companies, your account may be handled by a team of advisors rather than one individual.

Financial Advisors Chippenham UK (01249)

To outline your financial situation and ambitions to the advising company, you'll be asked to fill out a "Fact Find" document, which is a confidential disclosure form. To provide information on the financial advisor, their situation for offering independent or restricted advice and their scope of permissions in the financial sector, you'll also be handed an Initial Disclosure Document, or Key Facts Document. If you aren't satisfied with the service, and wish to complain, this document will also lay down your legal rights and your options. It should be easily understood, written in plain English, and explain precisely what you're signing up for, along with the benefits and risks of going along with the advice. The allowed cooling-off period should also be spelled out in this Key Facts Document. This makes it possible for you to change your mind within a specific time frame, and cancel the contract with your financial advisor.

You should check the qualifications and experience of your financial advisor the first time you talk to them. You should not be embarrassed about asking such questions, after all you are about to entrust your long-term financial wellbeing to their expertise. Every Chippenham financial advisor must be in a position to present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. You don't need to stress if your particular financial advisor's name does not show up on the Financial Services Register, as long as the firm is on the register, their advisors are covered by the legislation. If they are not able to provide this proof, the individual can't offer advice but is able to offer financial guidance. Guidance isn't regulated in the way that financial advice is, which means that if errors occur the client won't have any recourse.

Financial Advisor Quotes in Chippenham Wiltshire

If it's investing money that you are interested in, the advisor will enquire about the level of risk you are willing and able to accept with your hard-earned money. Higher risk investments could offer larger rewards, however some or all of your cash could be lost. Your savings objectives should be considered if good quality investment and financial advice is to be given, i.e. short or long term investments, how quickly you need to access your money and how much you wish to invest. You should always ask yourself the one important question, how much can you really afford to lose. This is referred to as your 'capacity for loss' and may well influence the products and services that could be offered to you.

Financial Advice Near Chippenham Wiltshire

You will have to tell your financial advisor about your current personal savings, regular outgoings, mortgage loans or investments. To ensure that you get the most suitable advice for you, they need a full and clear picture of your finances. The diversification of your savings and investments by spreading the risk across various products, is a crucial part of reliable financial advice. With a knowledge of the best areas to consider, a competent financial advisor will favour products that most closely match your goals and financial situation.

Communicating in the plainest speech possible, your financial advisor will lay bare the multifaceted world of investment and finance. After learning about the various products and services that meet your needs, you should be able to come to an informed and knowledgeable decision. If you're environmentally minded, you could maybe ask your financial advisor to stick to ethical savings and investments. You can then keep clear of companies that companies meet your requirements, but instead lend your support to those enterprises and companies that match your concerns, for instance green energy or zero carbon.

Establishing a close working relationship with your financial advisor in Chippenham could cause complications with your work and other commitments. To enable you to seek advice at a time to suit you, one-on-one meetings can be complemented with video conferencing and phone calls. Even if you hardly ever have an in-person meeting with your advisor, any competent financial advice company in Chippenham will have rigorous measures in force to keep your details secure and confidential, because home and remote working is now commonplace.


The value of your investments could go down as well as up, and this is a factor that you must always bear in mind. If your investment is not making the amount of money you hoped for, it can be incredibly worrying and frustrating. However, except if it's down to misleading or wrong information from your financial advisor, a downward trend in your investment isn't a recognised basis for complaint.

Independent Financial Advisor Near Chippenham (SN14)

The firm's complaints procedure should be the place to start with any grievances, and the Key Facts Document will discuss this. If your advisor is a member of the Financial Conduct Authority, you can let the Financial Ombudsman know about the issue if it remains unresolved within the time schedule set out by the regulating authority.

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 is made on how the customer can be financially compensated. The financial advisor and their firm must abide by any ruling that's made, which becomes legally binding as soon as the client has accepted it. Any inconvenience, hassle, annoyance and distress caused to the client during the situation, will be taken into account when the Ombudsman establishes the level of compensation.

Book a Financial Advisor in Chippenham UK

Financial advice can be provided in Chippenham and also in nearby places like: Middle Lodge, Kington Langley, Derry Hill, Rowden Hill, Langley Burrell, Salisbury, Lacock, Frogwell, Calne, Biddestone, Sheldon, Corsham, Chequers, Hardenhuish, Studley, Allington, as well as in these postcodes SN14 0BW, SN14 0AL, SN14 0FD, SN14 0DW, SN14 0LQ, SN13 8WS, SN14 0HE, SN14 0GU, SN14 0HZ, SN14 0HQ. Local Chippenham financial advisors will likely have the telephone dialling code 01249 and the postcode SN14. Checking this should confirm you access local financial advisers. Chippenham householders are able to benefit from these and countless other finance related services. Click on the "enquiry" banner to get specifics of financial advisors in your area.

Pension Planning

Taking an important step towards a secure retirement involves pension planning. Significant improvements to this process can result from engaging a financial advisor's services. A qualified advisor, understanding your retirement goals, will assess your current financial circumstances and design a personalised pension strategy. Navigated by them are the complexities of the UK's pension choices, which encompass workplace pensions, the state pension, and self-invested personal pensions (SIPPs). Taking advantage of their expertise allows you to make informed decisions about investment choices, contributions and tax implications. The creation of an effective pension plan, providing financial stability and peace of mind for your future, is a result of working with a financial advisor in Chippenham.

The UK pension system is centered on the State Pension, a government-backed scheme that provides a standard level of retirement income. The State Pension is usually only available to those who have made sufficient National Insurance contributions over their working life. It is now more essential than ever to understand the complexities of the State Pension scheme, due to changes to the State Pension age and the number of qualifying years required. (42316)

Chippenham Financial Advice Services

Financial Advice Tasks Chippenham

There is a wide range of services which can be provided by your local Chippenham financial advisor including cash flow modelling, financial planning, financial services Chippenham, portfolio management Chippenham, investment consolidation advice Chippenham, personal financial planning in Chippenham, corporate financial planning in Chippenham, multi-asset portfolios, familt controlled trusts in Chippenham, pension planning, money planning in Chippenham, offshore investment advice, cheap financial advice, mortgage advice in Chippenham, financial analyst services, family income benefit, long term care fee planning, investment bonds, personal protection, critical illness cover, pension transfers, business protection, trustee investment services Chippenham, unit trusts, life insurances, savings advice in Chippenham, corporate bonds Chippenham, death benefit advice Chippenham, pensions in divorce, investing an inheritance, and more. These are just a selection of the duties that can be carried out by a financial advisor. Chippenham professionals will keep you informed about their entire range of financial services.

Skills Needed to be a Financial Advisor

  • To be able to network and establish solid relationships with customers.
  • An outstanding level of math knowledge for building financial packages.
  • Excellent skills in verbal communication.
  • To pay attention to detail and be thorough.
  • Effective management skills for negotiating product rates.
  • An outstanding knowledge of accounting and economics with regard to financial markets and products.
  • Effective customer service skills for establishing client requirements.
  • To be target driven.
  • To have good IT skills.
  • To be good at promoting products and services.
  • To have the ability to listen attentively

Financial Advisors Near Chippenham

Also find: Biddestone financial advisors, Hardenhuish financial advisors, Sheldon financial advisors, Rowden Hill financial advisors, Langley Burrell financial advisors, Middle Lodge financial advisors, Frogwell financial advisors, Lacock financial advisors, Allington financial advisors, Chequers financial advisors and more. Financial advisers are available for discussions in practically all of these towns and areas. Business and home owners in the region can make enquiries about financial advice by clicking here.

Chippenham Financial Advice Services

Find a Financial Advisor in Chippenham Here
Financial Advice Enquiries in Chippenham Wiltshire (01249)
  • Chippenham Tax Advice
  • Chippenham Mortgage Advice
  • Chippenham Investment Advice
  • Chippenham Inheritance Advice
  • Chippenham Independent Financial Advice
  • Chippenham Cashflow Analysis
  • Chippenham Pension Advice
  • Chippenham Financial Advice Quotations
  • Chippenham Financial Services
  • Chippenham Corporate Financial Advice
  • Chippenham Cheap Financial Advice
  • Chippenham Trustee Investments
  • Chippenham Retirement Planning
  • Chippenham Life Insurance Advice

If you're interested in local Chippenham information go here

Independent financial advisor in SN14 area, phone code 01249.

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(This financial advisor Chippenham article was edited and updated on 20-02-2024)