Financial Advisor Clacton-on-Sea

Clacton-on-Sea Independent Financial Advice & Investment

Financial Advisor Clacton-on-Sea Essex (CO15): It can be an intimidating experience trying to locate a reliable independent financial advisor in the Clacton-on-Sea area, particularly if it's the very first time that you are needing financial advice. Whether it's pensions, mortgage, investment or even insurance advice that you're looking for, there's one common rule for all financial advisors; they must all comply with Financial Conduct Authority regulations. The good thing about this is that should a financial advisor who is FCA approved give you poor advice, and things go awry, you have guarantees, and can get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme to have it put right.

Free Clacton-on-Sea Financial Advisor Quotes

Recommendations from neighbours and friends can be a good starting point in choosing a financial advisor in Clacton-on-Sea, but bear in mind that their situation may be different to what you are looking for. Every financial advisor isn't suitable for everyone, and their advice should be tailored to your specific situation. It is a good idea to speak with at least three different firms when you're selecting a financial advisor, as this is a major decision, and you need to find one that you can trust and feel at ease with, and at the same time check out the various options they offer.

Financial Advisor Clacton-on-Sea Essex (CO15)

When it comes to picking a financial advisor in Clacton-on-Sea, there are basically two main types; restricted advisors and independent financial advisors. Offering a more extensive range of options, an independent financial advisor should not be limited to just one provider's products or services. Independent financial advice should encompass the entire spectrum of financial products and companies, and should be given in an impartial way. This enables you to choose from the widest range of products to meet your needs. A restricted financial advisor might be tied to services and products from a particular company, or may even focus on just one product, as in the case of a mortgage advisor.

The Financial Conduct Authority demands that any Clacton-on-Sea financial advisor must tell you about their charges, before accepting you as a client. Dependant upon the services you are looking for, you could be charged a set fee, by the hour or even a slice of your investment. To allow you to discuss your aims and determine whether the advisor is suitable for your circumstances, you could be offered a free initial consultation. In some bigger Clacton-on-Sea firms, you might find that your account is being handled by a team rather than an individual advisor.

Financial Advisors Clacton-on-Sea UK (01255)

You will need to fill in a "Fact Find" form, which is a confidential disclosure document relating your objectives and financial situation to the advising company. To provide information regarding the financial advisor, their situation for offering independent or restricted advice and the extent of their permissions in the financial sector, you'll also be given a Key Facts or Initial Disclosure Document. Your own legal rights will also be set out in this document, together with the possible options you can take if you want to complain because you aren't satisfied with the service you're given. It has to be easily understood, written in layman's terms, and outline exactly what you're committing yourself to, along with the risks and benefits of taking the proffered advice. You'll find the level of cooling-off period in the Key Facts Document. This allows you to change your mind within a specific period of time, and cancel the agreement with your financial advisor.

When talking with the financial advisor initially you'll want to check their experience and qualifications. You needn't be self-conscious about asking these questions, after all you are on the verge of entrusting your financial future to their expertise. A Level 4 qualification in financial advice is the minimum required qualification for any financial advisor in Clacton-on-Sea, and they also have to be able to present an annual Statement of Professional Standing. If the advisor's name does not show up on the Financial Services Register, you should not freak out, the company the advisor works for will almost certainly be on the register and their advisors will be covered by the legislation. The person may still offer financial guidance rather than advice, if these cannot be presented. Guidance isn't subject to regulations in the way that financial advice is, which means that if errors occur the client won't have any recourse.

Financial Advisor Quotes in Clacton-on-Sea Essex

If it's investments that you are interested in, your advisor will want to know the amount of risk you might be ready to accept with your hard-earned cash. Better rewards could be possible with higher risk investments, however you may also lose all or some of your funds. Your savings goals should be taken into account if good financial and investment advice is to be given, i.e. how quickly you need access to your funds, how much capital you want to invest and short or long term investments. "How much can you actually afford to lose?" Is the one question that you should really be asking yourself. Commonly called your capacity for loss, this will very likely affect the products and services that you're offered.

Financial Advice Near Clacton-on-Sea Essex

From the outset, it's important to let your financial advisor know about any existing investments, savings accounts, regular payments or mortgages that you currently have. To make certain that you receive the most suitable advice for you, they need to have a clear and full picture of your financial circumstances. Good financial advice should include diversifying your investments and savings by spreading the risk across different products. A qualified financial advisor in Clacton-on-Sea will understand the best areas to consider, which reflect your financial situation and your goals.

Communicating in the clearest way possible, your financial advisor will open up the complex world of finance and investment. You should be in a position to make an informed decision once you have compared the various products and services which match your needs. If you're environmentally minded, you can perhaps ask your financial advisor to stick to ethical savings and investments. You can then keep clear of businesses that corporations meet your requirements, but instead support those organisations and companies that match your concerns, for example zero carbon or green energy.

Working closely with a financial advisor in Clacton-on-Sea can be challenging to fit in around your work day and other responsibilities. One-on-one appointments can be complemented with telephone calls and video conferencing to allow you to seek advice at a time to suit you. A professional financial advice firm in Clacton-on-Sea will have stringent measures in force to ensure your details are kept secure and confidential, even if you rarely have a face-to-face meeting with your personal advisor, because remote and home working is no longer unusual.


The value of your investments could go down as well as up, and this is something that you must always keep in mind. If it just so happens that your investment is not making as much money as you hoped for, it can be a very frustrating and worrying time. However, except if it's owing to incorrect or misleading information from your advisor your investment having a downward trend isn't a recognised grounds for complaint.

Independent Financial Advisor Near Clacton-on-Sea (CO15)

The company's official complaints procedure should be the best place to start with any grievances, and the Key Facts Document should explain this. If the issue is unsolved within the time period set out by the regulating authority, and the advisor is registered with the FCA, you can advise 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 justified. On acceptance by the client, the ruling becomes a legally binding one, and the advisor and their company must comply with it. The Financial Ombudsman will also take into account any inconvenience, annoyance, hassle and distress caused to the client during the dispute, and fix the level of compensation accordingly.

Book a Financial Advisor in Clacton-on-Sea UK

Financial advice can be provided in Clacton-on-Sea and also in: Great Clacton, Little Oakley, Brightlingsea, Great Holland, Holland-on-Sea, Thorpe-le-Soken, Kirkby Cross, Weeley Heath, Wivenhoe, Frinton-on-Sea, Jaywick, Kirby-le-Soken, Great Bentley, as well as in these postcodes CO15 1FN, CO15 1SD, CO15 1AF, CO15 1EB, CO15 1AH, CO15 1QA, CO15 1HG, CO15 1DZ, CO15 1DL, CO15 1TD. Locally based Clacton-on-Sea financial advisers will probably have the postcode CO15 and the telephone code 01255. Checking this should make sure that you access locally based financial advisers. Clacton-on-Sea homeowners will be able to utilise these and lots of other comparable services. Simply click on the "enquiry" banner or form to get info on financial advisors in your location.

Clacton-on-Sea Financial Advice Services

Financial Advice Tasks Clacton-on-Sea

There is a range of services that can be provided by your local Clacton-on-Sea financial advisor including investment consolidation, pension drawdowns in Clacton-on-Sea, portfolio management, personal financial planning in Clacton-on-Sea, bereavement benefits in Clacton-on-Sea, personal protection, equity release in Clacton-on-Sea, financial services Clacton-on-Sea, business protection, life insurance advice, general financial planning in Clacton-on-Sea, trusts, will writing services, annuities, unit trusts Clacton-on-Sea, wealth management & investments Clacton-on-Sea, business planning, ethical investments in Clacton-on-Sea, offshore investment advice, mutual funds, financial planning Clacton-on-Sea, pension reviews, cashflow analysis Clacton-on-Sea, annuity purchases, retirement plans Clacton-on-Sea, divorce financial planning in Clacton-on-Sea, financial analyst services, cash flow modelling, cheap financial advice, pensions in divorce, and lots more. Listed are just an example of the duties that can be handled by a financial advisor. Clacton-on-Sea professionals will inform you of their entire range of financial services.

Essex Financial Advice Enquiries

Financial Advice Enquiries Essex

Recently posted Essex financial advice enquiries: Freyja Everett and Silas Everett from Brightlingsea recently asked for information on offshore investments. Noel and Daniella Shah from West Hanningfield, Essex recently enquired about pension advice. Mr and Mrs Miles from Kelvedon Hatch recently enquired about investment bonds. Braydon and Ada Joseph from Tilbury recently enquired about family income benefit. Mr and Mrs Powell from Great Waltham, Essex recently enquired about investment advice. Ariella Kershaw from Little Oakley, Essex recently asked for information on investment bonds. Mr and Mrs Gardiner from Hornchurch recently enquired about investment advice. Alfie Ashman from St Osyth recently asked for information on financial planning. All of these local residents did a search for "Garden Fencing Essex" and discovered this web page on either Yahoo, Google or Bing.


Financial Advisors Near Clacton-on-Sea

Also find: Frinton-on-Sea financial advisers, Wivenhoe financial advisers, Brightlingsea financial advisers, Great Bentley financial advisers, Weeley Heath financial advisers, Little Oakley financial advisers, Great Clacton financial advisers, Kirby-le-Soken financial advisers, Kirkby Cross financial advisers, Great Holland financial advisers, Jaywick financial advisers, Thorpe-le-Soken financial advisers, Holland-on-Sea financial advisors and more. The majority of these areas are serviced by local financial advisers. Clacton-on-Sea residents can get financial advice estimates by going here.

Clacton-on-Sea Financial Advice Services

Find a Financial Advisor in Clacton-on-Sea Here
Financial Advice Enquiries in Clacton-on-Sea Essex (01255)
  • Clacton-on-Sea Corporate Financial Advice
  • Clacton-on-Sea Trustee Investments
  • Clacton-on-Sea Investment Advice
  • Clacton-on-Sea Pension Advice
  • Clacton-on-Sea Cashflow Analysis
  • Clacton-on-Sea Financial Services
  • Clacton-on-Sea Inheritance Advice
  • Clacton-on-Sea Retirement Advice
  • Clacton-on-Sea Estate Planning
  • Clacton-on-Sea Life Insurance Advice
  • Clacton-on-Sea Mortgage Advice
  • Clacton-on-Sea Wealth Management
  • Clacton-on-Sea Independent Financial Advice
  • Clacton-on-Sea Tax Advice

More Clacton-on-Sea Services: Obviously, when you are looking at your finances in Clacton-on-Sea, Essex, you are likely to be in need of all kinds of different services and together with a financial advisor in Clacton-on-Sea, Essex, you might also need mortgage brokers in Clacton-on-Sea, solicitors in Clacton-on-Sea, payroll services in Clacton-on-Sea, contracts lawyers in Clacton-on-Sea, tax preparation in Clacton-on-Sea, family lawyers in Clacton-on-Sea, banruptcy lawyers in Clacton-on-Sea, business consulting in Clacton-on-Sea, mortgage advice in Clacton-on-Sea, property law & conveyancing in Clacton-on-Sea, estate planning in Clacton-on-Sea, accountants in Clacton-on-Sea, business financial planning in Clacton-on-Sea, bookkeeping in Clacton-on-Sea, will writing in Clacton-on-Sea, debt recovery & collection in Clacton-on-Sea, investment advisors in Clacton-on-Sea, and other different Clacton-on-Sea experts.

Financial Advisors Around Clacton-on-Sea: Financial advice has recently been given in these Clacton-on-Sea streets and roads - Tunstall Close, Archery Fields, Amerills Road, St Michaels Road, Byng Crescent, Barbara Ville, Batemans Lane, St Johns Road, Bretten Close, Salisbury Road, Brockham Close, Carters Close, Crossways, Coronation Road, Balmoral Avenue, Sea Flowers Way, Seafields Road, Shotley Close, Catherine Close, Carisbrooke Avenue, Berkeley Road, Stone Hall Drive, Abbey Street, Albert Gardens, The Square, Tower Estate, Branston Road, Cherry Tree Avenue, Curlew Close, as well as the following Clacton-on-Sea area postcodes: CO15 1FN, CO15 1SD, CO15 1AF, CO15 1EB, CO15 1AH, CO15 1QA, CO15 1HG, CO15 1DZ, CO15 1DL, CO15 1TD. People living in these local areas recently required the help of a financial advisor. Clacton-on-Sea residents enjoyed the benefits of competent and high quality financial services on each occasion.

Financial Advisor Jobs Clacton-on-Sea: View financial advisor jobs near Clacton-on-Sea by clicking here: Clacton-on-Sea Financial Advisor Jobs

If you need local Clacton-on-Sea info go here

Independent financial advisor in CO15 area, telephone code 01255.

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(This financial advisor Clacton-on-Sea content was revised and updated on 06-05-2022)