Financial Advisor Devizes

Devizes Independent Financial Advice & Investment

Financial Advisor Devizes Wiltshire (SN10): It can be a daunting experience trying to locate a decent independent financial advisor in the Devizes area, in particular if it's the first time that you're seeking financial advice. Nevertheless, all qualified financial advisors have one thing in common; they all have to conform to the regulations laid down by the Financial Conduct Authority (FCA), whether you are searching for pension, mortgage, investments or even insurance guidance. Any advice given by a FCA certified financial advisor in Devizes comes with the guarantee that if anything should go wrong, you can contact the Financial Ombudsman or the Financial Services Compensation Scheme.

Free Devizes Financial Advisor Quotes

A decent starting point in choosing a financial advisor in Devizes could be friends and relations, but bear in mind that the type of advice you are looking for might be different to theirs. Any advice they provide needs to be tailored to your particular situation, and not every financial advisor is suitable for everybody. To investigate the various options they're offering and find a financial advisor you feel comfortable with and can trust, it is wise to talk to at least 3 different firms, because picking a financial advisor is a major decision.

Financial Advisor Devizes Wiltshire (SN10)

Independent financial advisors (IFA) and restricted advisors, are the two principal kinds of financial advisor in Devizes. An independent financial advisor won't be confined to the services or products of a single company. Independent financial advice must be given in an impartial way and should cover the whole spectrum of financial products and companies. If you choose to use an independent financial advisor, you will be able to choose from the broadest possible array of products, in order to find the ideal solution for you. A restricted advisor could be involved with an individual product, as with a mortgage advisor, or be restricted to services and products from a specific firm.

The Financial Conduct Authority demands that any Devizes financial advisor must be fully transparent with you about their charges, before accepting you as a client. Although it can vary subject to the kind of product you require, there could be an hourly rate, a set fee, or you may even be charged a specific percentage of what you're investing. A free initial consultation will sometimes be offered, so you can discuss your objectives and circumstances to determine whether the advisor is the right choice. Your account may be looked after by a team rather than a single advisor, if you decide to use one of the larger Devizes firms.

Financial Advisors Devizes UK (01380)

You'll be asked to complete a "Fact Find" document, which is a confidential disclosure form relating your financial situation and desired goals to the advising company. An Initial Disclosure Document, or Key Facts Document will also be given to you, providing information on the financial advisors themselves, detailing their range of permissions in the financial market and their status to offer independent or restricted advice. This document will also make clear your own legal rights and your options if you aren't satisfied with the service, and wish to complain. It has to be easily understood, written in plain English, and describe precisely what you're committing yourself to, together with the risks and benefits of going along with the advice. This document will also tell you about the cooling-off period. Within a specific time period, this makes it possible for you to cancel the agreement.

When chatting with your financial advisor initially ensure that you check their qualifications and experience. After all you're on the verge of entrusting your financial wellbeing to their expertise, so you should not be embarrassed about asking such questions. Every financial advisor in Devizes must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. You don't need to panic if your specific financial advisor's name doesn't show up on the Financial Services Register, providing the firm is listed on the register, their advisors are covered by the regulations. The person can still offer financial guidance rather than advice, if these cannot be presented. In terms of finance guidance differs to advice and is not regulated in the same way. Therefore there isn't any recourse for either party if errors are made.

Financial Advisor Quotes in Devizes Wiltshire

If it's investing money that you're interested in, the advisor will want to know the level of risk you are prepared to take on with your hard-earned money. Most investments carry some element of risk, but high risk investments could potentially offer substantial rewards, but also more chance of losing your money. In order to get the most effective investment and financial advice, your savings aims must be given careful consideration, i.e. how rapidly you need access to your money, how much you have to invest and short or long term investments. "How much can you truly afford to lose?" Is the one vital question that you should really be asking yourself. Referred to as your capacity for loss, this will quite likely affect the products and services that you are offered.

Financial Advice Near Devizes Wiltshire

If you already have any current regular outgoings, investments, mortgages or personal savings, you'll want to let your financial advisor know about these. To make certain that you receive the most appropriate advice for you, they need a full and clear picture of your finances. Spreading the risk across a number of different products through the diversification of your savings and investments, is something that sound financial advice should allow for. In order to mirror your goals and financial circumstances, a qualified financial advisor in Devizes will understand the best products to consider.

A financial advisor will open up the complex world of finance, and communicate in the clearest possible way. After learning about the products and services which meet your needs, you should be in a position to make an informed and intelligent decision. If the environment is important to you, you could maybe ask that ethical investment and savings schemes take top priority. This allows you to lend support to organisations and firms that match your concerns, i.e. zero carbon or renewable energy, or perhaps steering clear of investments that don't meet your standards.

Having a close working relationship with a financial advisor in Devizes could create issues with work and other commitments. One-on-one appointments can be augmented with video conferencing and telephone calls to enable you to seek advice at times that suit you. Even if you hardly ever have a one-on-one meeting with your advisor, a professional financial advice firm in Devizes will have rigorous measures in force to ensure your details are kept secure and confidential, because working from home and remote working is now commonplace.


Investments can be a volatile area, and values can go down as well as up. If your investment is not making the amount of money you hoped for, it can be very demoralising and worrying. However, unless it is owing to misleading or wrong information from your advisor a downward spiral in your investment is not seen as a cause for complaint.

Independent Financial Advisor Near Devizes (SN10)

Any complaints should begin with the firm's official complaints procedure as outlined in the Key Facts Document. If the financial advisor is a member of the Financial Conduct Authority, you can inform the Financial Ombudsman of the issue if it is unsolved within the period set out by the regulating body.

The Financial Ombudsman will look into the cause of the complaint and make a ruling. If it is established that the complaint is justified, a decision is made on how the customer can be financially compensated. The financial advisor and their firm must comply with any ruling that's made by the Ombudsman, which becomes legally binding once the client has agreed to it. Any trouble, inconvenience, distress and upset caused to the client during the process, will be taken into account when the Financial Ombudsman establishes the level of compensation.

Book a Financial Advisor in Devizes UK

Financial advice can be provided in Devizes and also in: Bourton, Rowdefield, Little Coate, Little Horton, Semington, Salisbury, Northfields, Sleight, Roundway, Rowde, Hartmoor, Etchilhampton, Potterne, Swindon, Poulshot, Bishops Cannings, as well as in these postcodes SN10 1DR, SN10 1LU, SN10 1DH, SN10 1BY, SN10 1EY, SN10 1GA, SN10 1DA, SN10 1LB, SN10 1DZ, SN10. Local Devizes financial advisers will most likely have the postcode SN10 and the phone code 01380. Checking this can guarantee that you are accessing locally based financial advisers. Devizes homeowners will be able to utilise these and numerous other comparable services.

Pension Planning

A secure retirement is achieved through the vital process of pension planning. Significant improvements to this process can result from engaging a financial advisor's services. Designing a customised pension solution, a professional advisor will assess your current financial circumstances and understand your retirement goals. Navigating the complexities of the UK's pension choices, they deal with workplace pensions, the state pension, and SIPPs (self-invested personal pensions). To make informed decisions about contributions, investment choices and tax implications, you can take advantage of their expertise. Working with a financial advisor in Devizes guarantees the creation of a solid pension plan, providing peace of mind and financial stability for your future.

The UK pension system is centered on the State Pension, a government-backed scheme that provides a standard level of retirement income. An individual's National Insurance contributions over their working life typically determine their eligibility for the State Pension. However, the changes to the number of qualifying years and the State Pension age have made it vital to understand the complexities of this scheme. (42316)

Necessary Skills to be a Financial Advisor

  • To have the ability to listen attentively
  • To be able to network and establish relationships with clients.
  • Effective customer service skills for determining client requirements and needs.
  • Outstanding verbal communication skills.
  • A good knowledge and understanding of economics and accounting associated with financial markets and products.
  • A competent level of math knowledge for producing financial strategies.
  • Excellent business management skills for the negotiation of product fees.
  • To have a flexible work ethic.
  • To be good at promoting services and products.
  • To pay attention to detail and be thorough.
  • To have good IT skills.

Devizes Financial Advice Services

Financial Advice Tasks Devizes

There is a variety of services which can be provided by your local Devizes financial advisor including independent financial advice, equity release, money planning, savings advice, personal financial planning, retirement advice, general financial planning, pension plans, investment reviews, pension reviews, investment bonds in Devizes, bridging finance, cheap financial advice, pension transfers in Devizes, pension planning, corporate bonds, investment consolidation advice in Devizes, business planning, mutual funds, personal protection Devizes, wealth management & investments, inheritance tax planning in Devizes, long term care fee planning, trustee investment services, financial planning, income protection Devizes, ethical investment advice, mortgage services, tax financial planning, familt controlled trusts, and lots more. These are just a selection of the duties that can be undertaken by a financial advisor. Devizes professionals will keep you informed about their entire range of financial services.


Financial Advisors Near Devizes

Also find: Little Coate financial advisors, Little Horton financial advisors, Bishops Cannings financial advisors, Roundway financial advisors, Bourton financial advisors, Poulshot financial advisors, Hartmoor financial advisors, Northfields financial advisors, Rowde financial advisors, Potterne financial advisors, Sleight financial advisors, Rowdefield financial advisors, Etchilhampton financial advisors, Semington financial advisors and more. Financial advisors are available for consultations in the majority of these towns and areas. Property owners in the region can make enquiries about financial advice by clicking here.

Devizes Financial Advice Services

Find a Financial Advisor in Devizes Here
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If you would like to get local Devizes information look here

Independent financial advisor in SN10 area, telephone code 01380.

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(This financial advisor Devizes information was edited and updated on 20-02-2024)