Financial Advisor Cirencester

Cirencester Independent Financial Advice & Investment

Financial Advisor Cirencester Gloucestershire (GL7): Locating a good financial advisor advisor in Cirencester can be an intimidating experience, especially if you are needing financial advice for the first time. Whether you're looking for mortgage, pensions, investments or even insurance guidance, all financial advisors are bound by one common rule; they must all observe the regulations set by the FCA (Financial Conduct Authority). This comes with various guarantees, so after getting advice from a FCA authorised financial advisor in Cirencester, you can seek reparation from the Financial Ombudsman or the Financial Services Compensation Scheme, if anything goes wrong.

Free Cirencester Financial Advisor Quotes

Friends and relatives recommendations can be a good starting place in choosing a financial advisor in Cirencester, but keep in mind that their circumstances could be different to the kind of advice you're looking for. Their advice needs to be personalised to your specific circumstances, and not every financial advisor is suitable for everyone. It pays to speak with at least three different firms when you're picking a financial advisor, because this is a big decision, and you need to find one that you can trust and feel at ease with, and at the same time explore the options they can provide.

Financial Advisor Cirencester Gloucestershire (GL7)

Independent financial advisors and restricted advisors, are the 2 main kinds of financial advisor in Cirencester. Offering a more extensive range of options, an IFA won't be restricted to the services and products of just one company. Independent financial advice should be given in a frank and unbiased way and across the whole gamut of financial products and companies. If you decide to use an IFA, you will be able to select from the widest possible array of services, in order to find the ideal solution for you. A restricted advisor might be involved with an individual product, as with a mortgage advisor, or be limited to products and services from a single provider.

Before accepting you as a client, any Cirencester financial advisor must be transparent about their charges, as demanded by the Financial Conduct Authority. Contingent on the kind of services you are interested in, you could be charged by the hour, a set fee or perhaps even a slice of your investment value. To discuss your aims and determine whether the advisor is a right fit for your circumstances, you will sometimes be offered the possibility of a free first consultation. In some of the larger Cirencester companies, you could find that your account is being managed by a team as opposed to an individual.

Financial Advisors Cirencester UK (01285)

You'll be required to fill in a "Fact Find" form, which is a confidential disclosure document relating your financial situation and aims to the advising company. You'll also be handed an Initial Disclosure, or Key Facts Document, which provides you with details of the financial advisor, their status to offer independent or restricted advice and the extent of their permissions in the financial sector. Your rights should also be laid out in this document, in addition to your options if you wish to submit a complaint because you are not happy with the service you are given. It has to be simple to understand, written in layman's terms, and outline precisely what you're signing up for, along with the risks and benefits of going along with the advice. You'll find the amount of cooling-off period in the Key Facts Document. This enables you to change your mind within a certain time period, and cancel your agreement with the financial advisor.

Ensure that you check what experience and qualifications the financial advisor has when you first speak to them. After all you're about to entrust your long-term financial wellbeing to their expertise, so you shouldn't be embarrassed about asking such questions. A Level 4 qualification is the minimum required qualification for any financial advisor in Cirencester, and they also have to be able to provide you with an annual Statement of Professional Standing. When checking the Financial Services Register, you should not stress if your particular financial advisor's name doesn't show up on there; you should be able to locate the company name, and this means that the legislation covers all of their personnel. If these cannot be presented the person can still offer financial guidance instead of advice. Guidance differs to advice as it is not regulated, and if financial blunders are made there will probably be no recourse to either party.

Financial Advisor Quotes in Cirencester Gloucestershire

If it's investing money that you are interested in, your advisor will question you about the level of risk you might be ready and able to take with your hard-earned money. Many investments carry some element of risk, but higher risk investments could offer larger rewards, but also more likelihood of losing your capital. In order to get the best investment and financial advice, your savings objectives will need to be considered, i.e. how rapidly you need access to your funds, short or long term investments and how much money you want to invest. The one question that you should ask of yourself, which is frequently ignored, is how much money you can actually afford to lose. This may affect the services and products that could be offered for your consideration, and is generally known as your capacity for loss.

Financial Advice Near Cirencester Gloucestershire

If you already have any existing mortgage loans, regular payments, personal savings or investments, you should let your financial advisor know about these. This should give a clear and full picture of your financial situation, and without this the advice you get may not be the most suitable for you. Diversifying your investments and savings by spreading the risk across different products, is an essential part of good quality financial advice. In order to match your goals and financial circumstances, a competent financial advisor in Cirencester will be aware of the best products to consider.

Your financial advisor will communicate in the clearest possible way, to lay bare the complex world of finance. You should be in a position to make an informed decision when you have learned about the various products and services that meet your needs. If environmental issues are important to you, you could ask that ethical savings and investment schemes take top priority. You can then stay away from firms that firms meet your standards, but instead support those organisations and companies that address your concerns, for example green energy or zero carbon.

Working closely with your financial advisor in Cirencester can be difficult to manage around your work life and other responsibilities. To enable you to seek advice at times that suit you, one-on-one meetings can be complemented with telephone calls and video conferencing. Remote and home working is now commonplace, and an experienced financial advice provider in Cirencester will have strict measures in force to keep your details secure and confidential, even if you hardly ever have a one-on-one meeting with your advisor.


Investments can be a volatile area, and values could go down as easily as they go up. It can be extremely frustrating and stressful if your investment is not making the amount of money you were hoping for. However, unless it's owing to misleading or incorrect information from your financial advisor, a downward trend in your investment is not a recognised grounds for complaint.

Independent Financial Advisor Near Cirencester (GL7)

The company's official complaints procedure should be the starting point for any grievances, and the Key Facts Document should discuss this. You can inform the Financial Ombudsman of the issue if it is unsolved within the time set by the regulating body, and your advisor is registered with the FCA.

After reviewing the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. A decision is made on how to rectify or financially compensate the customer, if the complaint is justified. The advisor and their firm must abide by any decision that is made by the Ombudsman, which becomes legally binding once the client has agreed to it. Any compensation fixed by the Financial Ombudsman will also account for any hassle, inconvenience, annoyance and distress caused to the customer during the dispute.

Book a Financial Advisor in Cirencester UK

Financial advice can be provided in Cirencester and also nearby in: Barnsley, North Cerney, Daglingworth, Perrotts Brook, Preston, Kemble, Lower Norcote, Baunton, Siddington, Ewen, Stratton, South Cerney, Ampney Crucis, Somerford Keynes, Coates, as well as in these postcodes GL7 1AP, GL7 1ED, GL7 1LP, GL7 1AT, GL7 1GD, GL7 1JJ, GL7 1HR, GL7 1DA, GL7 1LQ, GL7 1GL. Locally based Cirencester financial advisers will likely have the postcode GL7 and the telephone code 01285. Checking this should make certain that you access local financial advisers. Cirencester householders can benefit from these and numerous other finance related services.

Cirencester Financial Advice Services

Financial Advice Tasks Cirencester

There are a whole host of services which are provided by your local Cirencester financial advisor including life insurance in Cirencester, offshore investments, pension advice, trustee investment services, pension plans Cirencester, pension consolidation, annuity purchases in Cirencester, familt controlled trusts Cirencester, cash flow modelling Cirencester, money planning, investment consolidation in Cirencester, equity release, tax financial planning in Cirencester, will writing services, unit trusts, pension transfer advice, long term care fee planning, ethical investment advice Cirencester, business protection, trusts in Cirencester, investment bonds, investment advice in Cirencester, cheap financial advice, corporate bonds in Cirencester, mortgage services Cirencester, family income benefit, bridging finance, bereavement benefit advice, independent financial advice, stakeholder pension advice Cirencester, and lots more. Listed are just some of the tasks that can be accomplished by a financial advisor. Cirencester professionals will be delighted to keep you abreast of their whole range of financial services.


Financial Advisors Near Cirencester

Also find: Ewen financial advisers, Lower Norcote financial advisers, Preston financial advisers, Ampney Crucis financial advisers, Perrotts Brook financial advisers, Baunton financial advisers, Barnsley financial advisers, Somerford Keynes financial advisers, Siddington financial advisers, South Cerney financial advisers, North Cerney financial advisers, Coates financial advisers, Stratton financial advisers, Kemble financial advisers, Daglingworth financial advisors and more. All of these places are catered for by local financial advisers. Cirencester residents can get quotations by going here.

Cirencester Financial Advice Services

Find a Financial Advisor in Cirencester Here
Financial Advice Enquiries in Cirencester Gloucestershire (01285)
  • Cirencester Corporate Financial Planning
  • Cirencester Estate Planning
  • Cirencester Wealth Management
  • Cirencester Pension Advice
  • Cirencester Independent Financial Advice
  • Cirencester Life Insurance Advice
  • Cirencester Retirement Planning
  • Cirencester Financial Services
  • Cirencester Cheap Financial Advice
  • Cirencester Financial Advice Quotes
  • Cirencester Cashflow Analysis
  • Cirencester Tax Advice
  • Cirencester Investment Advice
  • Cirencester Inheritance Advice

More Cirencester Services: Not surprisingly, whenever you're looking at your finances in Cirencester, Gloucestershire, you will probably be in need of all sorts of different services and together with a financial advisor in Cirencester, Gloucestershire, you may additionally need mortgage brokers in Cirencester, accountants in Cirencester, family lawyers in Cirencester, payroll services in Cirencester, investment advisors in Cirencester, property law & conveyancing in Cirencester, mortgage advice in Cirencester, tax preparation in Cirencester, banruptcy lawyers in Cirencester, bookkeeping in Cirencester, contracts lawyers in Cirencester, wills & probate in Cirencester, estate planning in Cirencester, business consulting in Cirencester, solicitors in Cirencester, business financial planning in Cirencester, debt recovery & collection in Cirencester, and other different Cirencester experts.

Financial Advisors Around Cirencester: In the past 12 months financial advice was provided in these Cirencester streets: Corinium Gate, Bingham Close, Hereward Road, Nursery Road, Bowling Green Lane, Bowly Road, Chesterton Link, The Whiteway, City Bank Road, Vale Road, Whiteway Court, Parkland Square, Apsley Road, Cheltenham Road, Love Lane, Midland Road, Grove Lane, Pope's Court, Bridge Close, Linacre Crescent, West Market Place, Beeches Road, Links View, St John's Close, Smith's Field, Bowling Green Avenue, Stratton Heights, Pheasant Way, Tower Street, London Road, and in these Gloucestershire postcodes: GL7 1AP, GL7 1ED, GL7 1LP, GL7 1AT, GL7 1GD, GL7 1JJ, GL7 1HR, GL7 1DA, GL7 1LQ, GL7 1GL. Folks residing in these areas recently requested help from a financial advisor. Cirencester residents were given competent and top quality financial services on each occasion.

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

If you need local Cirencester information take a look here

Independent financial advisor in GL7 area, telephone code 01285.

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(This financial advisor Cirencester article was last updated on 06-05-2022)