Financial Advisor Devizes Wiltshire (SN10): If you are seeking financial advice for the very first time, trying to locate a first-rate independent financial advisor in the Devizes area can be a challenging experience. Whether it's pensions, investments, mortgage or even insurance advice that you are searching for, there's one common rule for all professional financial advisors; they must all follow FCA (Financial Conduct Authority) regulations. Any advice given through a FCA approved financial advisor in Devizes comes with the guarantee that should things go awry, you have access to the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.
When choosing a financial advisor in Devizes, a good starting point could be friends and relations, however you must bear in mind that your circumstances may not be the same as theirs, and you may need a different sort of advice. Their advice needs to be adapted to your specific situation, and every financial advisor is not suitable for everybody. To check out the options they are offering and find a financial advisor that you can trust and feel at ease with, it is wise to chat to at least three different companies, because picking a financial advisor is an important decision.
There are two main kinds of financial advisor in Devizes; restricted advisors and independent financial advisors (IFA). The advantage of seeing an IFA is that they should not be restricted to a single provider's services or products, and can offer a wider range of options. Encompassing the full spectrum of financial products and companies, independent financial advice should be offered in a frank and unbiased way to clientele. Consulting an IFA should permit you to choose between the broadest possible array of products. A restricted advisor could be tied to services and products from a specific company, or may even concentrate on one particular product, as can be the case with a mortgage advisor.
Before taking you on as a client, any financial advisor must be fully transparent with you about their charges, as required by the FCA. Although it can vary in accordance with the type of service or product you are looking for, there could be a set fee, an hourly rate, or you may even be charged a percentage of what you are investing. A free first consultation might be offered, so that you can discuss your objectives and circumstances to find out if the advisor is the right choice. In some bigger Devizes companies, you may find that your account is being managed by a team as opposed to an individual.
Before any actual advice is handed out you will need to fill out a confidential disclosure form, known as a "Fact Find" document, which informs the advising company about your ambitions and financial situation. You should also be given an Initial Disclosure Document, or Key Facts Document, which gives you details of the financial advisor, their status to offer restricted or independent advice and the scope of their permissions in the financial market. This document should also make clear your own rights and the possible options you can take if you aren't happy with the service provided, and want to make a complaint. It should be easily understood, written in layman's terms, and explain precisely what you are signing up for, together with the risks and benefits of going along with the advice. This document should also tell you about the allowed cooling-off period. This permits you to cancel the agreement within a certain period of time, and if any penalties are incurred.
The very first time you're talking to your financial advisor you need to check what qualifications and experience they've got. After all you're just about to entrust your financial wellbeing to their expertise, so you should not be self-conscious about asking such questions. All Devizes financial advisors must hold at least a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. If the advisor's name does not appear on the Financial Services Register, you should not stress, the firm the individual works for should be found on the register and their advisors are all covered by the legislation. The individual can still offer financial guidance rather than advice, if these can't be provided. Guidance is somewhat different to advice as it isn't regulated in the same way, and if mistakes are made there will likely be no recourse to the client.
If it is investing money that you are interested in, your advisor will need to know the amount of risk you might be ready to take on with your hard-earned cash. Larger rewards may be possible with higher risk investments, however you stand a greater chance of losing some or all of your funds. Good quality investment and financial advice should take you savings aims into consideration, i.e. short or long term investments, how much you have to invest and how quickly you need access to your funds. "How much money can you actually afford to lose?" Is the one important question that you really need to ask yourself. Known as your 'capacity for loss', this will quite likely influence the services and products that you are offered.
Right from the start, it is important to let your financial advisor know about any existing savings accounts, regular outgoing payments, investments or mortgages that you have. To make certain that you receive the most suitable advice for you, they need a full and clear picture of your finances. Spreading the risk load across a range of different products by diversifying your savings and investments, is something that reliable financial advice should embrace. An experienced financial advisor in Devizes will be aware of the best areas to consider, which match your goals and your financial situation.
A financial advisor will unmask the complex world of finance, and try to communicate in as much plain speech as possible. You should be in a position to make an informed and educated decision when you have compared the various services and products that meet your needs. If the environment is important to you, you could even ask that ethical savings and investment schemes take top priority. You can then stay clear of investments that corporations meet your criteria, and instead support those firms and enterprises that address your concerns, for instance zero carbon or green energy.
Working closely with a financial advisor in Devizes can be tricky to fit in around your work life and other commitments. One-on-one appointments can be backed up with video conferencing and phone calls to enable you to seek advice at a time to suit you. Even if you never have an in-person meeting with your advisor, a professional financial advice firm in Devizes will have stringent measures in force to ensure your details are kept confidential and secure, because remote and home working is now a large part of our society.
Investments can be an unpredictable area, and values could go down as easily as they go up. If your investment is not making as much money as you hoped for, it can be quite frustrating and worrying. A downward spiraling of your investment is not seen as a cause for complaint, unless your financial advisor has given you incorrect or misleading information.
As laid out in the Key Facts Document, any complaints should start with the firm's official complaints procedure. You can inform the Financial Ombudsman of the situation if it remains unsolved within the time-frame set by the regulating body, and your advisor is a member of the FCA.
The Financial Ombudsman will independently review the cause of the complaint and make a ruling. If it is found that the complaint is legitimate, a decision is made on how the customer can be compensated. Once the decision has been agreed on by the customer it becomes a legally binding decision which the financial advisor and their firm, must abide by. The Financial Ombudsman will also take into consideration any distress, trouble, annoyance and inconvenience caused to the customer during the situation, and set the level of compensation proportionately.
Financial advice can be provided in Devizes and also in nearby places like: Hartmoor, Potterne, Little Horton, Bishops Cannings, Bourton, Etchilhampton, Swindon, Semington, Northfields, Little Coate, Sleight, Salisbury, Rowde, Roundway, Rowdefield, Poulshot, as well as in these postcodes SN10 1DR, SN10 1BB, SN10 1BG, SN10 1ET, SN10 1PA, SN10 1DT, SN10 1HW, SN10 1RE, SN10 1JQ, SN10 1QB. Local Devizes financial advisers will probably have the postcode SN10 and the telephone code 01380.
Devizes Financial Advice Services
There are a number of different services that can be provided by your local Devizes financial advisor including equity release advice, annuities, portfolio management, trustee investment services in Devizes, income protection, mortgage financial planning Devizes, wealth management & investments, financial analyst services in Devizes, pension reviews, mutual funds, business financial planning, independent financial advice Devizes, general financial planning in Devizes, corporate bonds in Devizes, pension drawdowns Devizes, long term care fee advice in Devizes, inheritance tax planning in Devizes, pension transfer advice in Devizes, ethical investments Devizes, pension planning, financial planning, pension plans, personal financial planning, will writing services, family income benefit, and lots more.
Financial Advisors Wiltshire
In Wiltshire you'll also locate: Colerne investment advice, Winterbourne Gunner investment advisors, Blunsdon St Andrew financial advice, Aldbourne investment advice, Landford investment advice, Ludgershall investment advice, Great Bedwyn financial advisors, Codford investment advice, Netheravon investment advisors, Lydiard Millicent financial advisors, South Marston investment advisors, Bulford Camp investment advisors, Atworth financial advice, Yatton Keynell investment advice, Roundway financial advisors, Atworth investment advisors, Dilton Marsh investment advice, Market Lavington investment advisors, Semington investment advice, Ramsbury investment advice, Lacock financial advice, Redlynch investment advice, Chiseldon investment advisors, Morgans Vale investment advisors, Box financial advisors, Broughton Gifford financial advisors, Durrington financial advice, Market Lavington financial advisors, Bishops Cannings investment advisors.
Financial Advisors Near Devizes
Also: Potterne financial advisors, Salisbury financial advisors, Rowdefield financial advisors, Poulshot financial advisors, Little Coate financial advisors, Bourton financial advisors, Etchilhampton financial advisors, Rowde financial advisors, Hartmoor financial advisors, Roundway financial advisors, Sleight financial advisors, Bishops Cannings financial advisors, Semington financial advisors, Little Horton financial advisors, Northfields financial advisors, Swindon and more.
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Financial Advisors Around Devizes: In Queen's Road, Furze Hill Lane, William Road, Windsor Drive, Orchard Close, Nursteed Park, Adlam Close, Waiblingen Way, Station Road, Stockwell Road, Longcroft Road, Dowse Road, Wessex Close, Rendells Court, Wharf Street, Forty Acres Road, Elizabeth Drive, The Fairway, Woodland Way, Copings Close, Snails' Lane, Eastleigh Road, Mill Road, Wickfield, Cornfield Road, Cornwell Crescent, Longcroft Crescent, as well as the following local Devizes postcodes: SN10 1DR, SN10 1BB, SN10 1BG, SN10 1ET, SN10 1PA, SN10 1DT, SN10 1HW, SN10 1RE, SN10 1JQ, SN10 1QB, people have just recently needed financial and investment advice.
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Independent financial advisor in SN10 area, (dialling code 01380).
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