Financial Advisor Dursley Gloucestershire (GL11): Locating a good independent financial advisor in the Dursley area can be a challenging experience, particularly if you're seeking financial advice for the very first time. Whether it's investment, mortgage, pension or even insurance guidance that you're after, there's one common rule for all financial advisors; they all have to observe Financial Conduct Authority (FCA) regulations. This comes with some guarantees, so after getting advice from a FCA registered financial advisor in Dursley, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman, if anything goes awry.
When selecting a financial advisor in Dursley, a decent place to start could be friends and relations, but you must remember that your situation might not be in line with theirs, and you may need a different sort of advice. Any advice they offer should be personalised to your particular circumstances, and not every financial advisor is suitable for everybody. It pays to talk to at least 3 different companies when you're choosing a financial advisor, since this is a big decision, and you need to find one that you feel comfortable with and can trust, and check out the options they offer.
Restricted advisors and independent financial advisors, are the two principal types of financial advisor in Dursley. Offering a more extensive range of options, an independent financial advisor should not be confined to the products and services of a single company. Covering the entire gamut of financial companies and products, independent financial advice should be offered in a frank and unbiased way to clientele. If you choose to use an independent financial advisor, you'll be able to pick from the broadest possible range of services, so as to find the right solution for you. If you go to a restricted financial advisor you will find that they could be restricted to services and products of a particular firm, or as with a mortgage advisor, will only be involved with one product.
Before any financial advisor accepts you as a client, they are required by the Financial Conduct Authority to tell you about their charges. Based on the product you are looking for, you could be charged by the hour, a set fee or maybe even a specific percentage of your investment value. A free initial consultation could be offered, so that you can discuss your objectives and situation to find out if the advisor is a good fit. Your account might be looked after by a team as opposed to a single advisor, if you elect to go with one of the larger Dursley firms.
You'll be asked to fill out a "Fact Find" form, which is a confidential disclosure document relating your aims and financial situation to the advising firm. To provide information regarding the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial market, you'll also be given an Initial Disclosure Document, or Key Facts Document. Your own rights should also be spelled out in this document, in addition to the options you can take if you want to make a complaint because you are not satisfied with the service you are given. It should outline precisely what you're signing up for, and any possible benefits and risks that exist if you choose to accept the advice offered, and it should be set down in plain language. You can find the amount of cooling-off period in this document. This enables you to cancel your agreement within a certain time frame, and if any penalty charges have to be paid.
The very first time you're chatting with the financial advisor make sure you check what experience and qualifications they have. After all you're just about to entrust your financial future to their skill, so you shouldn't be embarrassed about asking these questions. A Level 4 qualification is the minimum required certification for any Dursley financial advisor, and they must also be in a position to show an annual Statement of Professional Standing. When you check the Financial Services Register, don't panic if your specific financial advisor's name does not appear on there; you ought to be able to find the company name, and that means the regulations covers all of their personnel. The individual may still offer financial guidance rather than advice, if these cannot be provided. Guidance is different to advice as it isn't regulated, and if errors occur there will likely be no recourse to either party.
You will be asked about the amount of risk you are ready to take, if you are seeking advice on investing money. Higher risk investments may offer bigger rewards, but some or all of your capital could be lost. Your savings aims should be carefully considered if good quality financial and investment advice is to be given, i.e. how much you wish to invest, how quickly you need access to your funds and short or long term investments. You must always ask yourself the one crucial question, how much can you actually afford to lose. This may well affect the products and services that could be offered for your consideration, and is called your capacity for loss.
From the outset, it is vital that you let your financial advisor know about any investments, mortgages, savings or regular payments that you currently have. They will need to know this, so that they can get a clear picture of your finances and give the best advice for your needs. Spreading the risk load across a number of different products by diversifying your investments and savings, is something that smart financial advice should allow for. Having an understanding of the best areas to consider, an experienced financial advisor will favour products that match your goals and financial circumstances.
A financial advisor will throw open the multifaceted world of finance, and try to speak in as plain a speech as possible. After comparing the products and services that match your needs, you should be able to make an informed and considered decision. If the environment is at the forefront of your mind, you could ask that ethical savings and investment schemes take top priority. You will then be able to stay clear of companies that investments meet your criteria, but instead lend your support to those organisations and firms that address your concerns, for instance zero carbon or green energy.
It can prove challenging to manage work and other commitments around working closely with your financial advisor in Dursley. To enable you to get advice at a time to suit you, face-to-face appointments can be complemented with video conferencing and telephone. A competent financial advice provider in Dursley will have strict measures in force to keep your details confidential and secure, even if you rarely have an in-person meeting with your advisor, because remote and home working is no longer unusual.
Investments can go down as well as up, because the financial world can be unpredictable. If your investment is not making as much money as you were hoping for, it can be quite frustrating and stressful. However, except if it's due to misleading or wrong information from your financial advisor, your investment having a downward trend isn't a recognised cause for complaint.
The company's official complaints procedure should be the starting point for any disputes, and the Key Facts Document should discuss this. If your advisor is registered with the Financial Conduct Authority, you can let the Financial Ombudsman know about the problem if it is unresolved within the time schedule set by the regulating body.
The Financial Ombudsman will independently review the cause for complaint and make a ruling. If it is established that the complaint is legitimate, a decision will be made on how the client can be compensated or the situation rectified. Once agreed on by the customer, the decision becomes a legally binding one, and the financial advisor and their firm must abide by it. The Financial Ombudsman will also consider any annoyance, distress, inconvenience and trouble caused to the customer during the process, and establish the level of compensation proportionately.
Financial advice can be provided in Dursley and also nearby in: Gossington, Woodmancote, Lower Cam, Woodfield, Uley, Breadstone, Kingswood, Draycott, Slimbridge, Stinchcombe, Bowcott, Newport, Cam, North Nibley, Moorend, Berkeley Heath, Wootton under Edge, and in these postcodes GL11 4EL, GL11 4ET, GL11 4LG, GL11 4PX, GL11 5FZ, GL11 4HS, GL11 5EZ, GL11 4QA, GL11 4PS, GL11 4DF. Local Dursley financial advisors will likely have the dialling code 01453 and the postcode GL11. Click on the "enquiry" form or banner to get specifics of financial advisors in your location.
Regular Duties of a Financial Advisor
- Financial advisors keep abreast of legislation changes and new products.
- Financial advisors negotiate with financial product providers.
- Financial advisors recommend the financial products that are best-suited to their customers.
- Financial advisors work with colleagues to obtain statistics, trends and market information.
- Financial advisors produce in-depth financial reports.
- Financial advisors provide education, consultation and counselling with regards to investments and finances.
- Financial advisors talk to customers regarding their plans and finances.
- Financial advisors meet performance and sales targets.
- Financial advisors keep detailed records of potential clients and transactions.
- Financial advisors consistently update clients about their investments.
Dursley Financial Advice Services
There are a wide array of services that are provided by your local Dursley financial advisor including general financial planning in Dursley, offshore investment advice in Dursley, income protection in Dursley, ISA's, cash flow modelling Dursley, portfolio management, annuity purchase, corporate bonds, mutual funds, personal financial planning, long term care fee advice, corporate financial planning, bridging finance, family income benefit, ethical investments in Dursley, pension transfers, stakeholder pension advice, divorce planning in Dursley, life assurance advice in Dursley, pension consolidation advice, financial services, retirement plans in Dursley, pension planning, investment advice, trustee investment services Dursley, and lots more.
Financial Advisors Near Dursley
Also: Lower Cam financial advisors, Bowcott financial advisors, Draycott financial advisors, Newport financial advisors, Kingswood financial advisors, Berkeley Heath financial advisors, Woodmancote financial advisors, Breadstone financial advisors, Moorend financial advisors, Woodfield financial advisors, Uley financial advisors, Stinchcombe financial advisors, Wootton under Edge financial advisors, Cam financial advisors, North Nibley financial advisors, Gossington financial advisors, Slimbridge and more.
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Financial Advisors Around Dursley: Financial advisors were recently needed by folks living in Woodmancote, Lower Poole Road, Kingshill Lane, The Slade, Five Acres, Torchacre Rise, Union Street, Castle Street, Sutton Close, Gwilym Close, Rosebery Park, Hunger Hill, Uley Road, Highfields Approach, Parsons Close, Priory Close, The Knapp, Rowan Grove, St George's Road, Cedar Drive, Stanthill Drive, St David's Crescent, Riversmill, Whiteway Close, Reine Barnes Close, Birch Road, Victoria Close, Blackboys, Forge Road and these Dursley postcodes: GL11 4EL, GL11 4ET, GL11 4LG, GL11 4PX, GL11 5FZ, GL11 4HS, GL11 5EZ, GL11 4QA, GL11 4PS, GL11 4DF.
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Independent financial advisor in GL11 area, telephone code 01453.
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