Financial Advisor Exeter

Exeter Independent Financial Advice & Investment

Financial Advisor Exeter Devon (EX1): If you're in search of financial advice for the first time, trying to find a decent independent financial advisor in the Exeter area can be an intimidating experience. Whether you're searching for investment, pension, mortgage or even insurance advice, all qualified financial advisors are bound by one simple rule; they all have to follow the regulations of the Financial Conduct Authority (FCA). This comes with some guarantees, therefore after getting advice from a FCA authorised financial advisor in Exeter, you can seek recompense from the Financial Ombudsman or the Financial Services Compensation Scheme, if anything goes wrong.

Free Exeter Financial Advisor Quotes

When picking a financial advisor in Exeter, a good place to start could be neighbours and friends, however you must remember that your circumstances may not be the same as theirs, and you might need a different sort of advice. Every financial advisor isn't suitable for everybody, and their advice should be adapted to your unique circumstances. It is wise to speak with at least 3 different firms when you're picking a financial advisor, since this is a big decision, and you need to find one that you can trust and feel comfortable with, and also explore the various options they can provide.

Financial Advisor Exeter Devon (EX1)

When you're looking to pick a financial advisor in Exeter, there are essentially two principal types; independent financial advisors and restricted advisors. Offering a wide range of options, an independent financial advisor won't be confined to the services or products of just one provider. Covering the whole spectrum of financial companies and products, independent financial advice should be given in an unbiased and impartial way to customers. This will enable you to pick from the widest range of products to suit your needs. If you use a restricted financial advisor you will discover that they may be limited to products and services of a particular company, or as in the case of a mortgage advisor, might only be involved with one product.

Before any financial advisor in Exeter accepts you as a client, they are required by the FCA to fully discuss their charges with you. Subject to the type of product you require, you could be charged a set fee, by the hour or possibly even a percentage of your investment value. A free preliminary consultation might be offered, so that you can discuss your goals and situation to find out if the advisor is a good fit. In some of the bigger Exeter firms, you could find that your account is handled by a team rather than an individual advisor.

Financial Advisors Exeter UK (01392)

Before any actual financial advice is handed out you'll have to complete a confidential disclosure document, called a "Fact Find" form, which informs the advising company about your goals and financial situation. You'll also be handed a Key Facts or Initial Disclosure Document, which provides you with details of the financial advisor, their situation for offering independent or restricted advice and their scope of permissions in the financial arena. If you aren't happy with the service, and wish to complain, this document will also lay out your own legal rights and the options you can take. It should describe what you're committing yourself to, and any possible risks and benefits that exist if you choose to accept the advice offered, and it should be laid out in clear language. This document must also tell you about the allowed cooling-off period. Within a certain time period, this enables you to cancel your agreement.

When talking with your financial advisor initially make sure you check their qualifications and experience. Asking these questions shouldn't be a cause for embarrassment, because after all you are about to entrust them with your financial future. Every financial advisor in Exeter must be able to present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. You shouldn't stress if your specific advisor's name does not show up on the Financial Services Register, as long as the firm is on the register, their personnel are covered by the regulations. If they're unable to provide these accreditations, the individual can't offer advice but is permitted to offer financial guidance. In terms of finance guidance is different to advice and isn't regulated. Therefore there is no recourse for either party if financial mistakes are made.

Financial Advisor Quotes in Exeter Devon

If it's investing money that you're interested in, your advisor will need to know the level of risk you are willing and able to accept with your hard-earned money. Higher rewards may be possible with high risk investments, but you stand a greater chance of losing all or some of your money. In order to get the best investment and financial advice, your savings objectives must be given careful consideration, i.e. long or short term investments, how rapidly you need to access your funds and how much you have to invest. You must invariably ask yourself the one important question, how much money can you truly afford to lose. Referred to as your capacity for loss, this will most likely influence the services and products that you are offered.

Financial Advice Near Exeter Devon

From the outset, it is important to let your financial advisor know about any existing personal savings, mortgages, regular outgoings or investments that you have. This gives a clear and full picture of your current financial circumstances, without which the advice you're given might not be the best for you. Smart financial advice should include diversifying your investments and savings by spreading the risk load across various products. A seasoned financial advisor in Exeter will understand the best areas to consider, which mirror your goals and your financial situation.

Your financial advisor will attempt to communicate in as plain a speech as possible, to unveil the complex world of finance. You should be in a position to come to an informed decision once you have compared the various services and products which meet your needs. If environmental issues are important to you, you could maybe ask that ethical investments and savings take top priority. This will allow you to support enterprises and firms which address your concerns, e.g. zero carbon or green energy, or perhaps keeping away from businesses that do not meet your standards.

Having constant interactions with your financial advisor in Exeter could cause complications with your work day and other commitments. Face-to-face appointments can be augmented with telephone calls and video conferencing to allow you to get advice at a time to suit you. Even if you rarely have a one-to-one meeting with your personal advisor, a professional financial advice firm in Exeter will have rigorous measures in force to ensure your details are kept confidential and secure, because home and remote working is now a large part of our society.


Investments can just as easily go down as well as up, since the financial world can be unpredictable. If it happens that your investment fails to make the amount of money you were hoping for, it can be a frustrating and stressful time. However, except if it is because of misleading or incorrect information from your advisor a downward spiraling of your investment isn't seen as a cause for complaint.

Independent Financial Advisor Near Exeter (EX1)

The firm's official complaints procedure should be the best place to start with any disputes, and the Key Facts Document will clarify this. 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 stipulated 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 justifiable, a decision will be made on how the client can be compensated or the situation rectified. This becomes a legally binding decision as soon as it has been accepted by the client, and the advisor and their company must comply with the ruling. Any compensation fixed by the Ombudsman will also account for any hassle, annoyance, inconvenience and distress caused to the customer during the situation.

Book a Financial Advisor in Exeter UK

Financial advice can be provided in Exeter and also in nearby places like: Poltimore, Birchy Barton, Exminster, Pocombe Bridge, Heavitree, Stoke Hill, Whipton, Longdown, Marsh Barton, Cowley, Whitestone, Wonford, Ide, Nadderwater, Alphington, St Thomas, Exwick, and in these postcodes EX1 1BU, EX1 1YZ, EX1 1UF, EX1 1HP, EX1 1QJ, EX1 1BR, EX1 1PR, EX1 1BJ, EX1 1WN, EX1 1DP. Locally based Exeter financial advisers will likely have the postcode EX1 and the dialling code 01392. Verifying this should ensure you're accessing locally based financial advisers. Exeter property owners can benefit from these and lots of other similar services. Simply click the "enquiry" banner or form to get information on financial advisors in your area.

Daily Duties for a Financial Advisor

  • A financial advisor maintains detailed records of clients and transactions.
  • A financial advisor meets targets for sales and performance.
  • A financial advisor updates customers about their investments.
  • A financial advisor thrashes out advantageous deals with with financial product providers.
  • A financial advisor talks to customers regarding their plans and finances.
  • A financial advisor works in conjuction with colleagues to gather trends, market information and statistics.
  • A financial advisor keeps fully up to date with legislation changes and new financial products.
  • A financial advisor provides consultation, counselling and education with regards to finances and investments.
  • A financial advisor produces comprehensive financial reports.
  • A financial advisor researches financial products and explains them simply and clearly to clients.

Exeter Financial Advice Services

Financial Advice Tasks Exeter

There is a variety of services that can be provided by your local Exeter financial advisor including pension consolidation advice, independent financial advice, annuities Exeter, money planning, divorce planning, pension planning Exeter, general financial planning Exeter, trusts Exeter, investing an inheritance, savings advice, portfolio management, personal financial planning in Exeter, family income benefit, tax planning Exeter, ISA's, retirement advice, mutual funds in Exeter, personal protection, pension reviews in Exeter, financial planning Exeter, corporate financial planning, annuity purchases in Exeter, equity release, investment bonds, investment reviews, corporate bonds in Exeter, critical illness cover in Exeter, financial analyst services, pensions in divorce, personal pensions advice, and more. Listed are just some of the tasks that can be accomplished by a financial advisor. Exeter professionals will be delighted to keep you abreast of their whole range of services.


Financial Advisors Near Exeter

Also find: Marsh Barton financial advisors, Heavitree financial advisors, Pocombe Bridge financial advisors, Longdown financial advisors, Poltimore financial advisors, St Thomas financial advisors, Whipton financial advisors, Whitestone financial advisors, Cowley financial advisors, Ide financial advisors, Exwick financial advisors, Wonford financial advisors, Nadderwater financial advisors, Alphington financial advisors, Stoke Hill financial advisors, Birchy Barton financial advisors and more. Anybody who is hunting for financial advice, will discover that these types of services are readily available in just about all of these localities. Residents in the region can make enquiries about financial advice by clicking here.

Exeter Financial Advice Services

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Financial Advice Enquiries in Exeter Devon (01392)
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Independent financial advisor in EX1 area, and dialling code 01392.

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(This financial advisor Exeter information was revised and updated on 20-02-2024)