Financial Advisor Flint Wales (CH6): It can be a challenging experience trying to find a first-rate financial advisor advisor in Flint, in particular if it is the first time that you're in search of financial advice. Whether it is pension, mortgage, investment or even insurance guidance that you're looking for, there is one common rule for all financial advisors; they must all comply with Financial Conduct Authority (FCA) regulations. This comes with various guarantees, thus after taking advice from a FCA registered financial advisor in Flint, you can seek reparation from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if if things go wrong.
A decent starting point in choosing a financial advisor in Flint may be relatives and friends, but remember that the kind of advice you're searching for could be significantly different to theirs. Any advice they offer needs to be personalised to your particular situation, and every financial advisor isn't suitable for everyone. It is a good idea to speak to at least three different firms when you are picking a financial advisor, as this is a major decision, and you need to find one that you feel comfortable with and can trust, and also explore the various options they can provide.
When it comes to picking a financial advisor in Flint, there are basically two main types; restricted advisors and independent financial advisors (IFA). An IFA won't be restricted to the products or services of just one company. Independent financial advice should cover the full gamut of financial companies and products, and should be given in an unbiased way. This will allow you to select from the widest possible range of services to meet your needs. If you go to a restricted financial advisor you will find that they could be limited to products and services of a specific company, or as with a mortgage advisor, will only be involved with one solitary product.
Before taking you on as a client, any financial advisor must be transparent about their charges, as set out by the FCA. Although it varies dependant upon the kind of product you are looking for, there may be a set fee, an hourly rate, or you might even be charged a slice of what you are investing. A free preliminary consultation will sometimes be offered, so you can discuss your objectives and situation to see if the advisor is the right choice. In some larger Flint companies, you could find that your account is being managed by a team as opposed to an individual.
Before any financial advice is given you will need to fill out a confidential disclosure document, known as a "Fact Find" form, which tells the advising firm about your targets and financial situation. An Initial Disclosure, or Key Facts Document will also be handed to you, providing details of the financial advisors themselves, detailing their scope of permissions in the financial sector and their situation for offering independent or restricted advice. If you're not satisfied with the service, and wish to complain, this document should also set down your own rights and your options. It should detail precisely what you are signing up for, and any possible risks and benefits if you elect to accept the offered advice, and it must be laid out in clear language. The cooling-off period should also be spelled out in this document. This enables you to cancel the agreement with your financial advisor within a specific period of time, and if any penalties have to be paid.
The very first time you are speaking with your financial advisor ensure that you check what qualifications and experience they've got. Asking such questions shouldn't cause you any embarrassment, because after all you're entrusting them with your financial wellbeing. All Flint financial advisors must hold at least a Level 4 qualification and present an annual Statement of Professional Standing. When checking the Financial Services Register, you don't need to freak out if your specific financial advisor's name does not show up on there; you should be able to find the company name, and this means that the regulations covers all of their employees. The individual can still offer financial guidance instead of advice, if these can't be provided. Guidance is not regulated in the way that financial advice is, meaning that if errors arise neither party will have any recourse.
If it is investments that you're interested in, your advisor will need to know the amount of risk you are ready and able to take with your hard-earned money. Many investments carry some degree of risk, but higher risk investments may offer bigger rewards, but also more chance of losing your money. In order to get the most effective financial and investment advice, your savings aims must be given careful consideration, i.e. short or long term investments, how quickly you need to access your money and how much capital you want to invest. One question you should ask of yourself, which is often neglected, is just how much you can afford to lose. This might affect the services and products that you are offered, and is called your capacity for loss.
You should let your financial advisor know about any current personal savings, investments, mortgage loans or regular outgoing payments. This will provide a full and clear picture of your financial situation, without which the advice given may not be the most appropriate for you. Reliable financial advice should allow for diversifying your savings and investments by spreading the risk load across various different products. An experienced financial advisor in Flint will be aware of the best areas to consider, which match your financial situation and your goals.
A financial advisor will lay bare the multifaceted world of finance, and try to communicate in the clearest possible way. After learning about the services and products which match your needs, you should be able to come to an informed and considered decision. If you are environmentally minded, you could maybe ask your advisor to stick to ethical savings and investments. This allows you to lend support to firms and enterprises which address your concerns, e.g. green energy or zero carbon, or perhaps avoiding investments that do not meet your requirements.
Working closely with a financial advisor in Flint can be tricky to fit in around work and other responsibilities. One-on-one appointments can be backed up with telephone calls and video conferencing to allow you to seek advice at a time to suit you. Even if you never have a face-to-face meeting with your advisor, a competent financial advice provider in Flint will have rigorous measures in force to ensure your details are kept confidential and secure, because working from home and remote working is now a large part of our society.
You must always remember that the financial world is an unpredictable sector, and investment values can just as easily go down as well as up. If it happens that your investment fails to make as much money as you were hoping for, it can be a very stressful and disheartening time. However, except if it is down to wrong or misleading information from your financial advisor, a downward trend in your investment isn't seen as a cause for complaint.
As outlined in the Key Facts Document, any complaints should begin with the company's complaints procedure. If the advisor is registered with the FCA, you can inform the Financial Ombudsman of the problem if it is unresolved within the timeframe stipulated by the regulating body.
The Financial Ombudsman will independently review the cause of the complaint and make a ruling. 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. This becomes legally binding as soon as it has been agreed on by the client, and the advisor and their firm must comply with the decision. Any upset, hassle, distress and inconvenience caused to the client during the process, will be taken into account when the Financial Ombudsman fixes the level of compensation.
Financial advice can be provided in Flint and also in: Northop, Lixwim, Pentre Ffwrndan, Bagillt, Brynford, Shotton, Halkyn, Oakenholt, Rhes-y-Cae, Connahs Quay, Holywell, Nannerch, Flint Mountain, Mount Pleasant, Bedol, and in these postcodes CH6 5LG, CH6 5TA, CH6 5BX, CH6 5RG, CH6 5BL, CH6 5HP, CH6, CH6 5DW, CH6 5FD, CH6 5BE. Locally based Flint financial advisers will most likely have the postcode CH6 and the dialling code 01352. Simply click on the "enquiry" banner to get details about financial advisors in your location.
Flint Financial Advice Services
There is a variety of services which are provided by your local Flint financial advisor including equity release advice in Flint, pension transfers Flint, cheap financial advice in Flint, mortgage advice, mutual funds, financial analyst services, pension consolidation advice, tax advice, stakeholder pensions, general financial planning, independent financial advice, investment bonds Flint, divorce planning, ethical investments, pension advice Flint, wealth management & investments, ISA's Flint, bridging finance, annuities in Flint, corporate bonds Flint, business planning, financial planning Flint, cash flow modelling, cashflow analysis, annuity purchases, and lots more.
Essential Skills for a Financial Advisor
- Effective business management skills for negotiating product fees.
- The ability to sell services and products.
- Good verbal communication skills.
- Active listening and interpersonal skills.
- To be organised and self-motivated.
- Effective customer service skills for determining customer requirements.
- An outstanding level of mathematical knowledge for building financial strategies.
- To have good IT skills.
- A good understanding and knowledge of accounting and economics with regard to financial products and markets.
- To pay attention to detail and be thorough.
- To have the ability to network and establish solid relationships with customers.
Financial Advisors Near Flint
Also: Bagillt financial advisors, Connahs Quay financial advisors, Rhes-y-Cae financial advisors, Nannerch financial advisors, Holywell financial advisors, Flint Mountain financial advisors, Oakenholt financial advisors, Bedol financial advisors, Shotton financial advisors, Mount Pleasant financial advisors, Brynford financial advisors, Halkyn financial advisors, Northop financial advisors, Lixwim financial advisors, Pentre Ffwrndan and more.
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Financial Advisors Around Flint: Some Flint areas where financial advice has recently been given - Maes Alaw, Bryn Derw, Borough Grove, Acorn Business Park, Woodland Court, Barons Close, Dovey Close, Aber Road, Bodhyfryd, Manor Industrial Estate, Castle Park Industrial Estate, Castle Road, Moel Parc, Salisbury Street, Sydney Walk, First Avenue, Maes Afon, Evans Street, Feather Street, Chester Street, Bryn Onnen, Cae Bychan, Fifth Avenue, as well as these local Flint postcodes: CH6 5LG, CH6 5TA, CH6 5BX, CH6 5RG, CH6 5BL, CH6 5HP, CH6, CH6 5DW, CH6 5FD, CH6 5BE.
More Wales Financial Advisors: More Merthyr Tydfil, Flint, Carmarthen, Aberystwyth, Penarth, Porthcawl, Cwmbran, Rhyl, Bridgend, Pontypridd, Caerphilly, Llanelli, Tonypandy, Gorseinon, Swansea, Maesteg, Ebbw Vale, Prestatyn, Wrexham, Aberdare, Barry, Cardiff, Colwyn Bay, Llandudno, Newport, Neath and Port Talbot.:
To find local info relating to Flint, Wales click here
Independent financial advisor in CH6 area, phone code 01352.
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