Financial Advisor Flint

Flint Independent Financial Advice & Investment

Financial Advisor Flint Wales (CH6): Finding a decent independent financial advisor in Flint can be a daunting experience, particularly if you are seeking financial advice for the very first time. Whether it's pensions, mortgage, investments or even insurance advice that you are searching for, there is one common rule for all financial advisors; they must all observe Financial Conduct Authority regulations. The advantage of this is that should a financial advisor who is FCA authorised give you poor advice, and anything goes wrong, you have guarantees, and can go to the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to get things put right.

Free Flint Financial Advisor Quotes

When selecting a financial advisor in Flint, a good starting point could be relatives and friends, however you must keep in mind that your circumstances might not be the same as theirs, and you might be in need of a different sort of advice. Every financial advisor is not suitable for everybody, and any advice they provide needs to be adapted to your unique circumstances. Choosing the right financial advisor is important and it pays to talk with at least three different companies so as to explore the options they offer, and to find one you can trust and feel at ease with.

Financial Advisor Flint Wales (CH6)

Independent financial advisors and restricted advisors, are the 2 main kinds of financial advisor in Flint. An IFA won't be restricted to a single provider's services or products. Independent financial advice must cover the entire spectrum of financial companies and products, and must be given in an unbiased way. Consulting an IFA should permit you to choose from the broadest possible array of services. If you go to a restricted financial advisor you will find that they could be limited to services and products of a particular company, or as with a mortgage advisor, will only be concerned with one solitary product.

The Financial Conduct Authority demands that any financial advisor in Flint must discuss their charges with you, before accepting you as a client. In accordance with the kind of services you're looking for, you could be charged by the hour, a set fee or even a percentage of your investment. To enable you to discuss your objectives and find out if the advisor is a right fit for you and your situation, a free preliminary consultation may be offered. Your account might be managed by a team rather than a single advisor, if you elect to go to one of the bigger Flint firms.

Financial Advisors Flint UK (01352)

To summarise your financial situation and goals to the advising firm, you will be required to fill in a "Fact Find" document, which is a confidential disclosure form. An Initial Disclosure Document, or Key Facts Document will also be handed to you, to provide details of the financial advisors themselves, outlining the extent of their permissions in the financial market and their situation for offering independent or restricted advice. If you're not satisfied with the service, and wish to make a complaint, this document should also lay out your rights and your options. It should be easily understood, written in plain English, and explain exactly what you are committing yourself to, together with the risks and benefits of accepting the proffered advice. The Key Facts Document should also inform you about the cooling-off period. This enables you to have a change of heart within a specific time period, and cancel the contract with your financial advisor.

The first time you are talking to your financial advisor ensure that you check what qualifications and experience they have. After all you're just about to entrust your financial wellbeing to their skill, so you must not be embarrassed about asking these questions. A Level 4 qualification in financial advice is the minimum required qualification for any Flint financial advisor, and they must also be in a position to present an annual Statement of Professional Standing. If the advisor's name does not show up on the Financial Services Register, you shouldn't freak out, the firm the advisor works for should be found on the register and their advisors will be covered by the legislation. The individual can still offer financial guidance as opposed to advice, if these can't be presented. Guidance is not subject to regulations in the same way as financial advice, which means that if errors arise neither party will have any recourse.

Financial Advisor Quotes in Flint Wales

You'll be asked about the amount of risk you're ready to accept, if you are seeking advice on investing money. Substantial rewards might be possible with high risk investments, however you stand a greater chance of losing all or some of your capital. In order to get the most effective investment and financial advice, your savings objectives will have to be taken into account, i.e. how rapidly you need access to your funds, long or short term investments and how much you wish to invest. You must invariably ask yourself the one crucial question, how much money can you actually afford to lose. This is commonly called your 'capacity for loss' and could affect the services and products that may be offered to you.

Financial Advice Near Flint Wales

From the outset, it is imperative that you let your financial advisor know about any investments, regular outgoings, savings or mortgage loans that you have. This will give a clear and full picture of your financial situation, without which the advice you get might not be the most suitable for you. The diversification of your savings and investments by spreading the risk across a number of different products, is an essential part of good quality financial advice. An experienced financial advisor in Flint will understand the best products to consider, which mirror your financial situation and your goals.

A financial advisor will lay bare the complex world of finance, and try to speak in the clearest possible way. You should be able to make an informed and educated decision once you have learned about the various services and products which match your needs. If the environment is important to you, you could maybe ask that ethical savings and investments take precedence. You can then keep clear of businesses that firms meet your requirements, and instead lend your support to those businesses and companies that address your concerns, for example green energy or zero carbon.

Working closely with your financial advisor in Flint can be tricky to fit in around your work life and other commitments. To allow you to get advice at a time to suit you, one-on-one meetings can be augmented with telephone calls and video conferencing. Working from home and remote working is now so common, and any experienced financial advice provider in Flint will have strict measures in force to ensure your details are kept confidential and secure, even if you hardly ever have a one-on-one meeting with your advisor.


The value of your investments could fall as well as rise, and this is a factor that you must keep in mind. If your investment fails to make as much money as you hoped for, it can be quite stressful and frustrating. However, unless it is because of wrong or misleading information from your financial advisor, your investment having a downward trend isn't seen as a cause for complaint.

Independent Financial Advisor Near Flint (CH6)

The firm's complaints procedure should be the best place to start with any disputes, and the Key Facts Document should explain this. If the problem remains unsolved within the time set out by the regulating authority, and your advisor is registered with the FCA, you can inform the Financial Ombudsman.

After reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. A decision is made on how to rectify or financially compensate the customer, if the complaint is upheld. Once agreed on by the client, the decision will become a legally binding one, and the financial advisor and their firm must comply with it. The Ombudsman will also take into consideration any trouble, inconvenience, distress and annoyance caused to the customer during the situation, and fix the level of compensation proportionately.

Book a Financial Advisor in Flint UK

Financial advice can be provided in Flint and also in nearby places like: Brynford, Northop, Lixwim, Holywell, Bedol, Pentre Ffwrndan, Rhes-y-Cae, Bagillt, Flint Mountain, Oakenholt, Mount Pleasant, Nannerch, Shotton, Connahs Quay, Halkyn, and in these postcodes CH6 5JX, CH6 5DF, CH6 5PZ, CH6 5JR, CH6 5EL, CH6 5BU, CH6 5NF, CH6 5RZ, CH6 5JP, CH6 5JF. Local Flint financial advisors will likely have the postcode CH6 and the phone code 01352. Checking this out should confirm you access local financial advisers. Flint householders can benefit from these and lots of other similar services.

Pension Planning

Taking an important step towards a secure retirement involves pension planning. The engagement of a financial advisor's services can bring about substantial process improvement. Designing a personalised pension solution, a knowledgeable advisor will assess your current financial situation and understand your retirement goals. Navigating the intricacies of the UK's pension options, they deal with the state pension, workplace pensions, and SIPPs. Informed decisions about tax implications, contributions and investment choices can be made by taking full advantage of their expertise. Working with a financial advisor in Flint is key to creating a robust pension plan, providing financial stability and peace of mind for your future.

At the heart of UK pension planning is the State Pension, a government-backed scheme that provides a basic level of retirement income. The amount of State Pension you receive will usually depend on how many National Insurance contributions you have made over your working life. The importance of understanding the complexities of the State Pension scheme has increased, due to changes to the State Pension age and the number of qualifying years. (42316)

Skills Needed to be a Financial Advisor

  • A good knowledge and understanding of economics and accounting relating to financial products and markets.
  • Excellent management skills for negotiating product rates.
  • An excellent level of numeracy for developing financial packages.
  • To be thorough and pay attention to detail.
  • Good skills in verbal communication.
  • To be able to network and establish solid relationships with customers.
  • The ability to sell financial services and products.
  • To have the ability to listen attentively
  • To be able to competently use a computer and the primary software applications.
  • Excellent customer service skills for determining client needs.
  • To be organised and self-motivated.

Flint Financial Advice Services

Financial Advice Tasks Flint

There are a whole host of services that are provided by your local Flint financial advisor including divorce financial planning in Flint, ethical investments, financial planning, life insurances, pension transfers, bridging finance in Flint, personal protection Flint, mutual funds, business financial planning, inheritance tax planning in Flint, trusts, life assurance advice Flint, pensions in divorce, cash flow modelling Flint, familt controlled trusts in Flint, general financial planning, pension planning, bereavement benefit advice, wealth management, annuity purchases, mortgage services, retirement planning, portfolio management, financial analyst services, will writing services, saving for children, pension drawdowns, equity release, savings advice, trustee investment services Flint, and more. Listed are just a small portion of the duties that can be performed by a financial advisor. Flint professionals will inform you of their entire range of financial services.


Financial Advisors Near Flint

Also find: Nannerch financial advisors, Connahs Quay financial advisors, Rhes-y-Cae financial advisors, Oakenholt financial advisors, Lixwim financial advisors, Mount Pleasant financial advisors, Holywell financial advisors, Brynford financial advisors, Flint Mountain financial advisors, Pentre Ffwrndan financial advisors, Bagillt financial advisors, Bedol financial advisors, Halkyn financial advisors, Northop financial advisors, Shotton financial advisors and more. Anybody who is looking for financial advice, will find that these services are readily available in the majority of these localities. Business and home owners in these localities can make enquiries about financial advice by going here.

Flint Financial Advice Services

Find a Financial Advisor in Flint Here
Financial Advice Enquiries in Flint Wales (01352)
  • Flint Cheap Financial Advice
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  • Flint Estate Planning
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  • Flint Pension Advice
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  • Flint Independent Financial Advice
  • Flint Trustee Investments
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More Flint Services: Not surprisingly, when you happen to be looking at your finances in Flint, Wales, you'll likely need all types of different services and along with a financial advisor in Flint, Wales, you could additionally need business consulting in Flint, banruptcy lawyers in Flint, investment advisors in Flint, will writing in Flint, property law & conveyancing in Flint, accounting in Flint, debt recovery & collection in Flint, solicitors in Flint, contracts lawyers in Flint, bookkeeping in Flint, estate planning in Flint, tax preparation in Flint, mortgage brokers in Flint, mortgage advice in Flint, payroll services in Flint, family lawyers in Flint, business financial planning in Flint, and other different Flint experts.

To read local Flint info look here

Independent financial advisor in CH6 area, telephone code 01352.

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(This financial advisor Flint article was checked and updated on 20-02-2024)