Financial Advisor Englefield Green Surrey (TW20): Finding a good independent financial advisor in the Englefield Green area can be a challenging experience, especially if you are seeking financial advice for the first time. Whether it is investment, pension, mortgage or even insurance guidance that you are after, there is one common rule for all qualified financial advisors; they must all stick to Financial Conduct Authority regulations. The advantage of this is that if a financial advisor who is FCA approved gives you poor advice, and things go wrong, you have guarantees, and can get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme to have it put right.
When picking a financial advisor in Englefield Green, a good place to begin could be relatives and friends, however you must keep in mind that your circumstances might not be the same as theirs, and you may need a different sort of advice. Not every financial advisor is suitable for everyone, and any advice they provide needs to be adapted to your particular circumstances. To check out the various options they are offering and find a financial advisor you can trust and feel at ease with, it is wise to speak with at least 3 different companies, because choosing a financial advisor is a major decision.
Restricted advisors and independent financial advisors (IFA), are the 2 main types of financial advisor in Englefield Green. An independent financial advisor should not be confined to a single company's services or products. Encompassing the entire gamut of financial companies and products, independent financial advice should be offered in an unbiased and impartial way to clients. This enables you to choose from the widest possible range of products to suit your needs. A restricted advisor may be involved with a single product, as with a mortgage advisor, or be restricted to products and services from a particular provider.
Before any financial advisor accepts you as a client, they're required by the FCA to discuss their charges with you. Although it can vary dependant upon the kind of service you're interested in, there could be an hourly rate, a set fee, or you may even be charged a slice of what you are investing. You may be offered the chance of a free preliminary consultation to enable you to discuss your goals and see if the advisor is suitable for your circumstances. In some of the larger Englefield Green companies, you might find that your account is being managed by a team rather than an individual.
You will need to complete a "Fact Find" document, which is a confidential disclosure form relating your targets and financial situation to the advising company. You will also be given an Initial Disclosure Document, or Key Facts Document, which gives you details about the financial advisor, their situation for offering independent or restricted advice and their range of permissions in the financial sector. Your rights will also be laid out in this document, together with the possible options you can take if you need to make a complaint because you aren't happy with the service you are given. It should be written in plain English and outline what you're signing up for, and any potential risks and benefits if you decide to take the advice offered. You can find the amount of cooling-off period in this document. Within a certain time period, this allows you to cancel your agreement.
The very first time you are speaking to the financial advisor you'll want to check what experience and qualifications they've got. Asking these questions should not cause you any embarrassment, because you're about to entrust them with your financial future. Every Englefield Green financial advisor must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. When checking the Financial Services Register, don't freak out if your specific advisor's name doesn't appear on there; you should be able to find the company name, and this means that the regulations covers all of their personnel. If they're not able to provide this evidence, the person cannot offer advice but only financial guidance. Guidance is not subject to regulations in the way that financial advice is, which means that if errors are made neither party will have any recourse.
If you're looking for advice on investing money you'll be asked about the amount of risk you are ready to take. Bigger rewards could be possible with high risk investments, but you could also lose all or some of your money. Decent financial and investment advice should take you savings aims into consideration, i.e. how much money you want to invest, how rapidly you need to access your money and long or short term investments. The one question that you should ask yourself, which is often overlooked, is how much you can actually afford to lose. This could influence the services and products that you are offered, and is known as your capacity for loss.
From the outset, it is important to tell your financial advisor about any existing savings, investments, mortgages or regular outgoing payments that you currently have. To ensure that you get the most appropriate advice for you, they need to gather a clear and full picture of your finances. Good quality financial advice should include diversifying your savings and investments by spreading the risk load across a number of different products. A competent financial advisor in Englefield Green will be aware of the best products to consider, which mirror your goals and your financial situation.
Communicating in in the simplest terms possible, your financial advisor will lay bare the complex world of finance and investment. This will allow you to compare services and products which meet your needs, and come to an informed decision. If environmental issues are at the forefront of your mind, you could even ask that ethical savings and investments take precedence. This doesn't just give you investment possibilities, but also enables you to lend your support to green energy or zero carbon projects, and steer clear of companies and businesses that do not share the same values that you do.
It may prove tricky to manage work and other responsibilities around a close working relationship with a financial advisor in Englefield Green. To allow you to seek advice at a time to suit you, one-on-one appointments can be backed up with video conferencing and telephone calls. Any competent financial advice provider in Englefield Green will have stringent measures in place to keep your details confidential and secure, even if you rarely have a one-to-one meeting with your advisor, because home and remote working is now so common.
Investment values could go down as well as up, and this is something that you have to keep in mind. It can be quite worrying and demoralising if your investment isn't making the amount of money you were hoping for. Your investment having a downward trend isn't seen as a cause for complaint, unless your advisor has given you misleading or wrong information.
The company's official complaints procedure should be the starting point for any disputes, and the Key Facts Document should clarify this. If your advisor is a member of the Financial Conduct Authority, you can tell the Financial Ombudsman about the matter if it is unresolved within the time-frame set out by the regulating body.
The Financial Ombudsman will come to a decision after reviewing the cause of the complaint independently. If it's found that the complaint is justified, a decision will be made on how the client can be compensated or the situation rectified. Once the decision is agreed on by the client it becomes a legally binding decision which the advisor and their company, must comply with. The Financial Ombudsman will also consider any inconvenience, upset, distress and hassle caused to the customer during the dispute, and fix the level of compensation proportionately.
Financial advice can be provided in Englefield Green and also in nearby places like: Sunningdale, Laleham, Sunninghill, Thorpe, Ashtead, Egham Wick, Winkfield, Thorpe Green, Egham, Staines-upon-Thames, Coopers Hill, Old Windsor, Stanwell, Virginia Water, Bishops Gate, Wraysbury, Lyne, and in these postcodes TW20 0LA, TW20 0EX, TW20 0PS, TW20 0QY, TW20 0SQ, TW20 0NW, TW20 0LN, TW20 0QF, TW20 0GP, TW20 0PT. Locally based Englefield Green financial advisors will most likely have the telephone code 01784 and the postcode TW20. Checking this out can confirm you're accessing locally based financial advisers. Englefield Green homeowners can utilise these and countless other finance related services. Click on the "enquiry" banner or form to get details about financial advisors in your location.
Skills and Knowledge Needed to be a Financial Advisor
- To have good IT skills.
- Active listening skills.
- An excellent level of math knowledge for building financial plans.
- The ability to promote financial products and services.
- Effective business management skills for negotiating product fees.
- A good knowledge and understanding of accounting and economics relating to financial markets and products.
- To have excellent time management skills.
- Good customer service skills for determining client needs and requirements.
- To be able to network and build solid relationships with customers.
- Outstanding verbal communication skills.
- To be thorough and pay attention to detail.
Englefield Green Financial Advice Services
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Financial Advisors Near Englefield Green
Also find: Egham Wick financial advisors, Virginia Water financial advisors, Thorpe financial advisors, Sunningdale financial advisors, Bishops Gate financial advisors, Winkfield financial advisors, Old Windsor financial advisors, Wraysbury financial advisors, Thorpe Green financial advisors, Stanwell financial advisors, Lyne financial advisors, Sunninghill financial advisors, Staines-upon-Thames financial advisors, Coopers Hill financial advisors, Laleham financial advisors, Ashtead financial advisors, Egham financial advisors and more. The majority of these places are covered by local financial advisers. Englefield Green residents can get financial advice price quotes by going here.
Englefield Green Financial Advice Services
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Financial Advisors Around Englefield Green: Some Englefield Green streets where financial advice has recently been given - Ravenfield, Northcroft Gardens, Bishopsgate Road, Maple Court, Swallowfield, Corby Drive, Cricketers Lane, Englehurst, Hanover Close, Ham Lane, Blays Close, Notley End, Wick Lane, Schroder Court, Thorncroft, Laurel Avenue, Blay's Lane, Southcroft, Priest Hill, Bond Street, Vegal Crescent, Ashwood Road, Pine Way, Barley Mow Road, Elmbank Avenue, Ilex Close, Bagshot Road, as well as the following local Englefield Green postcodes: TW20 0LA, TW20 0EX, TW20 0PS, TW20 0QY, TW20 0SQ, TW20 0NW, TW20 0LN, TW20 0QF, TW20 0GP, TW20 0PT. Folks residing in these areas recently needed help from a financial advisor. Englefield Green residents enjoyed high quality and dependable financial services in all cases.
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More Surrey Financial Advisors: More Surrey financial advisors: Ash, Byfleet, Oxted, Chertsey, Weybridge, Egham, Haslemere, Reigate, Englefield Green, Dorking, Godstone, Warlingham, Shepperton, Hersham, Lightwater, Walton-on-Thames, Woking, Horley, Claygate, Redhill, Windlesham, Camberley, Staines, Cobham, Addlestone, Farnham, Chessington, Guildford, Ewell, Cranleigh, Virginia Water, Banstead, Molesey, Godalming, Frimley, Bagshot, Esher, Knaphill, Ashtead, Tadworth, Great Bookham, Sunbury-on-Thames, Epsom, Leatherhead and Caterham.
To find out local info relating to Englefield Green, Surrey take a look here
Independent financial advisor in TW20 area, (dialling code 01784).
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