Financial Advisor Danbury

Danbury Independent Financial Advice & Investment

Financial Advisor Danbury Essex (CM3): It can be a challenging experience trying to locate a good independent financial advisor in the Danbury area, particularly if it is the very first time that you are needing financial advice. Whether you're searching for mortgage, investment, pension or even insurance guidance, all financial advisors are bound by one common rule; they all have to adhere to the regulations laid down by the Financial Conduct Authority (FCA). The advantage of this is that should a financial advisor who is FCA registered give you bad advice, and things go awry, you have guarantees, and can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to have it put right.

Free Danbury Financial Advisor Quotes

When selecting a financial advisor in Danbury, a decent starting point could be friends and neighbours, however you must bear in mind that your situation might not be the same as theirs, and you might be in need of a different sort of advice. Not every financial advisor is suitable for everyone, and any advice they provide needs to be tailored to your specific situation. It pays to speak with at least three different companies when you're picking a financial advisor, because this is an important decision, and you need to find one that you can trust and feel at ease with, and explore the options they can provide.

Financial Advisor Danbury Essex (CM3)

There are 2 principal types of financial advisor in Danbury; restricted advisors and independent financial advisors. An IFA will not be limited to just one company's products and services. Independent financial advice should be provided in an unbiased way and should cover the whole spectrum of financial companies and products. This will permit you to pick from the widest possible range of services to meet your needs. If you use a restricted advisor you'll find that they may be restricted to services and products of a particular firm, or as with a mortgage advisor, will only be involved with one individual product.

The Financial Conduct Authority demands that any financial advisor must fully discuss their charges with you, before taking you on as a client. Although it can vary based upon the type of service you require, there may be an hourly rate, a set fee, or you could even be charged a proportion of what you are investing. To discuss your aims and determine whether the advisor is the correct fit for your situation, a free initial consultation might be offered. If you go to one of the larger Danbury firms, your account might be looked after by a team of advisors rather than one individual.

Financial Advisors Danbury UK (01245)

Before any financial advice is given you will have to fill in a confidential disclosure form, known as a "Fact Find" document, which tells the advising company about your financial situation and objectives. An Initial Disclosure, or Key Facts Document will also be given to you, to provide details of the financial advisors themselves, explaining their range of permissions in the financial sector and their status to offer independent or restricted advice. If you are not satisfied with the service, and wish to complain, this document will also lay out your own rights and the possible options you can take. It should describe what you're signing up for, and any potential risks and benefits if you decide to accept the advice offered, and it must be laid out in plain English. You will find the amount of cooling-off period in the Key Facts Document. This permits you to have a change of heart within a specific period of time, and cancel the agreement with your financial advisor.

When talking to the financial advisor for the first time make sure you check their experience and qualifications. Asking these questions should not be a cause for embarrassment, because you're about to entrust them with your financial future. All Danbury financial advisors must hold at least a Level 4 qualification and be able to present an annual Statement of Professional Standing. When checking the Financial Services Register, don't freak out if your particular advisor's name doesn't show up on there; you will probably find the firm name, and this means that the legislation covers all of their advisors. The individual may still offer financial guidance as opposed to advice, if these cannot be presented. In terms of finance guidance is somewhat different to advice and isn't regulated in the same way. Therefore there is no recourse for the client if financial mistakes arise.

Financial Advisor Quotes in Danbury Essex

If you're seeking advice on investments you will be asked the amount of risk you are comfortable with. High risk investments could offer substantial rewards, but all or some of your capital could be lost. Good quality investment and financial advice will take into account your savings objectives, i.e. long or short term investments, how rapidly you need to access your funds and how much you wish to invest. One question you should ask yourself, which is usually overlooked, is just how much money you can really afford to lose. This is referred to as your capacity for loss and may affect the services and products that could be offered for your consideration.

Financial Advice Near Danbury Essex

From the outset, it's important to tell your financial advisor about any regular outgoing payments, investments, savings or mortgages that you have. To make certain that you get the most suitable advice for you, they need to have a full and clear picture of your financial circumstances. Smart financial advice should include diversifying your savings and investments by spreading the risk across various products. With an understanding of the best areas to consider, a certified financial advisor will concentrate on products that match your goals and financial situation.

Your financial advisor will attempt to communicate in as much plain speech as possible, to throw open the multifaceted world of finance. You should be able to come to an informed decision after you have compared the various products and services that match your needs. If you are environmentally minded, you could maybe ask your financial advisor to stick to ethical savings and investments. This will allow you to support organisations and firms which match your concerns, e.g. renewable energy or zero carbon, or perhaps keeping away from investments that don't meet your requirements.

It isn't that easy to have a close working relationship with a financial advisor in Danbury without this impacting on your work day and other commitments. To enable you to get advice at a time to suit you, one-on-one appointments can be augmented with telephone and video conferencing. Even if you rarely have an in-person meeting with your personal advisor, a professional financial advice provider in Danbury will have stringent measures in place to keep your details secure and confidential, because remote and home working is now a large part of our society.


You have to remember that the financial sector can be volatile, and the value of your investments can just as easily fall as well as rise. If your investment is not making as much money as you hoped for, it can be quite stressful and frustrating. A downward trend in your investment is not a recognised cause for complaint, unless your financial advisor has given you wrong or misleading information.

Independent Financial Advisor Near Danbury (CM3)

As indicated in the Key Facts Document, any disputes should start with the firm's official complaints procedure. If your financial advisor is registered with the FCA, you can let the Financial Ombudsman know about the problem if it remains unsolved within the time schedule stipulated by the regulating body.

After independently reviewing the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. If it is found that the complaint is justified, a decision will be made on how the customer can be compensated. This will become legally binding as soon as it has been agreed on by the customer, and the financial advisor and their firm must abide by the decision. Any compensation as set out by the Financial Ombudsman will also account for any distress, hassle, upset and inconvenience caused to the customer during the dispute.

Book a Financial Advisor in Danbury UK

Financial advice can be provided in Danbury and also in nearby places like: Curling Tye Green, Langford, Purleigh, Woodham Walter, Sandon, Hazeleigh, Howe Green, Woodham Mortimer, Beeleigh, Horne Row, Ulting, Cock Clarks, Bicknacre, Rudley Green, Chelmsford, Butt's Green, Gay Bowers, Little Baddow, Runsell Green, Great Baddow, and in these postcodes CM3 4UU, CM3 4WX, CM3 4NU, CM3 4DT, CM3 4LH, CM3 9AH, CM3 4LZ, CM3 4UR, CM3 4GY, CM3 4LD. Local Danbury financial advisers will most likely have the dialling code 01245 and the postcode CM3. Checking this out will confirm that you're accessing local financial advisers. Danbury householders can benefit from these and many other related services.

Financial Advisors Essex

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In the Essex area you will likewise find: Abridge financial advisors, Great Bromley investment advisors, Hornchurch investment advisors, Hullbridge investment advice, Finchingfield investment advisors, Bures investment advice, Tye Green investment advisors, Tollesbury investment advisors, Holland on Sea financial advisors, Great Baddow financial advisors, Latchingdon investment advice, Southminster investment advice, Little Oakley financial advisors, Clavering investment advisors, East Hanningfield financial advisors, Ingrave financial advisors, Birch investment advisors, Langdon Hills investment advice, Purfleet investment advice, Felsted investment advisors, West Mersea investment advice, Thorrington financial advice, Althorne investment advisors, Hatfield Peverel investment advice, West Bergholt investment advice, High Ongar financial advice, Wimbish financial advice, Fryerning investment advice, South Hanningfield financial advisors, Great Bardfield financial advice.

The Day to Day Tasks for a Financial Advisor

  • Talking to clients regarding their finances and plans.
  • Providing consultation, education and counselling with regards to finances and investments.
  • Keeping up to date with regulation changes and new financial products.
  • Updating customers regarding their investments.
  • Meeting performance and sales targets.
  • Negotiating with providers of financial products.
  • Working in collaboration with associates to gather statistics, trends and market information.
  • Producing financial reports.
  • Researching financial products and explaining them clearly and simply to clients.
  • Keeping detailed records of potential clients and transactions.

Danbury Financial Advice Services

Financial Advice Tasks Danbury

There is a wide range of services that are provided by your local Danbury financial advisor including corporate financial planning in Danbury, life insurances in Danbury, mutual funds, life assurance advice, wealth management & investments, bridging finance, annuity purchases, unit trusts in Danbury, long term care fee advice Danbury, business protection, investment consolidation, death benefit advice, annuities in Danbury, pension reviews, pension advice, pension transfer advice, investment bonds, general financial planning, mortgage financial planning in Danbury, financial analyst services Danbury, pension drawdowns Danbury, pension consolidation advice Danbury, ISA's, income protection advice, retirement planning, money planning Danbury, stakeholder pensions, equity release advice, will writing services, independent financial advice in Danbury, and more. These are just an example of the activities that can be performed by a financial advisor. Danbury professionals will be happy to inform you of their whole range of financial services.

Financial Advice Enquiries Essex

Essex Financial Advice Enquiries

Current Essex financial advice enquiries: Lola Mcghee and Huey Mcghee from Birchanger recently enquired about equity release. Anabelle Noble and Clarke Noble from Thorpe le Soken, Essex recently enquired about investment advice. Rosemary and Hughie Fleming from Wethersfield recently asked for information on family income benefit. Piotr Bamford from Wethersfield recently enquired about equity release. Archibald Copley and Paloma Copley from Layer de la Haye, Essex recently asked for information on equity release. Teo and Maryam Keane from Runwell, Essex recently enquired about mortgage advice. Julian and Shania Mccarthy from Stebbing recently asked for information on family income benefit. Mr and Mrs Hodge from Lawford recently asked for information on family income benefit. All these local people searched for "Garden Fencing Essex" and noticed this web page on either Google, Yahoo or Bing.


Financial Advisors Near Danbury

Also find: Rudley Green financial advisers, Runsell Green financial advisers, Beeleigh financial advisers, Sandon financial advisers, Howe Green financial advisers, Curling Tye Green financial advisers, Butt's Green financial advisers, Purleigh financial advisers, Langford financial advisers, Cock Clarks financial advisers, Woodham Mortimer financial advisers, Great Baddow financial advisers, Horne Row financial advisers, Gay Bowers financial advisers, Bicknacre financial advisers, Little Baddow financial advisers, Ulting financial advisers, Hazeleigh financial advisers, Woodham Walter financial advisers, Chelmsford financial advisors and more. The majority of these villages and towns are covered by local financial advisers. Danbury residents can get financial advice estimates by going here.

Danbury Financial Advice Services

Find a Financial Advisor in Danbury Here
Financial Advice Enquiries in Danbury Essex (01245)
  • Danbury Cashflow Analysis
  • Danbury Cheap Financial Advice
  • Danbury Trustee Investments
  • Danbury Financial Advice
  • Danbury Retirement Planning
  • Danbury Investment Advice
  • Danbury Tax Advice
  • Danbury Financial Advice Quotations
  • Danbury Inheritance Advice
  • Danbury Wealth Management
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  • Danbury Mortgage Advice
  • Danbury Estate Planning
  • Danbury Corporate Financial Advice

Financial Advisors Around Danbury: Financial advice has recently been provided in the following Danbury roads and streets - Pedlars Path, Bicknacre Road, Dockwra Lane, Fitzwalter Lane, The Leeway, Hawks Close, Danbury Vale, Main Road, Belvedere Road, Slough Road, Copt Hill, Simmonds Way, Runsell View, Hyde Green, Wickhams Chase, Potters Close, Runsell Green, Millfields, Mayes Lane, Well Lane, Rumsey Fields, Landisdale, Hopkirk Close, Gay Bowers House, White Elm Road, as well as these local Danbury postcodes: CM3 4UU, CM3 4WX, CM3 4NU, CM3 4DT, CM3 4LH, CM3 9AH, CM3 4LZ, CM3 4UR, CM3 4GY, CM3 4LD. People in these local areas recently requested the help of a financial advisor. Danbury residents benefited from dependable and high quality financial services in all cases.

For the best local information about Danbury, Essex click here

Independent financial advisor in CM3 area, (dialling code 01245).

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(This financial advisor Danbury page was reviewed and updated on 06-05-2022)