Financial Advisor Great Bookham Surrey (KT23): If you're seeking financial advice for the first time, trying to locate a first-rate financial advisor advisor in Great Bookham can be a daunting experience. Whether it's pension, investment, mortgage or even insurance advice that you are after, there's one common rule for all professional financial advisors; they must all stick to Financial Conduct Authority regulations. The good thing about this is that should a financial advisor who is FCA certified give you poor quality advice, and anything goes awry, you have guarantees, and can contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to have it put right.
Relatives and friends recommendations can be a decent starting place in selecting a financial advisor in Great Bookham, but bear in mind that their circumstances could be different to what you are looking for. Their advice needs to be tailored to your specific situation, and every financial advisor isn't suitable for everyone. It is wise to speak with at least three different companies when you are considering a financial advisor, as this is a major decision, and you need to find one that you feel comfortable with and can trust, and check out the various options they offer.
Independent financial advisors and restricted advisors, are the 2 main kinds of financial advisor in Great Bookham. The advantage of using an IFA is that they will not be confined to the products and services of just one company, and can offer a more diverse range of options. Covering the entire gamut of financial products and companies, independent financial advice must be offered in a frank and unbiased way to clients. This will allow you to select from the broadest range of products to suit your needs. A restricted financial advisor may be limited to services and products from one particular company, or might even concentrate on a single product, as can be the case with a mortgage advisor.
Before accepting you as a client, any Great Bookham financial advisor must be transparent about their charges, as demanded by the FCA. Although it varies determined by the type of product you require, there may be an hourly rate, a set fee, or you could even be charged a specific percentage of what you are investing. To allow you to discuss your aims and find out if the advisor is suitable for you and your circumstances, you could be offered a free initial consultation. In some bigger Great Bookham firms, you may find that your account is managed by a team as opposed to an individual advisor.
Before any actual advice is given you will be required to fill out a confidential disclosure form, called a "Fact Find" document, which tells the advising company about your financial situation and ambitions. A Key Facts or Initial Disclosure Document will also be given to you, to provide information about the financial advisors themselves, outlining the scope of their permissions in the financial arena and their situation for offering independent or restricted advice. This document will also make clear your rights and the options you can take if you aren't satisfied with the service, and need to complain. It should be simple to understand, written in layman's terms, and explain precisely what you're signing up for, together with the risks and benefits of taking the proffered advice. You can find the level of cooling-off period in the Key Facts Document. This enables you to cancel the agreement within a specific time frame, and if any penalties have to be paid.
The very first time you are chatting with your financial advisor you need to check what qualifications and experience they've got. After all you are on the verge of entrusting your long-term financial wellbeing to their skill, so you must not be embarrassed about asking such questions. A Level 4 qualification in financial advice is the minimum certification for any financial advisor in Great Bookham, and they must also be able to show an annual Statement of Professional Standing. When checking the Financial Services Register, you don't need to panic if your specific advisor's name does not appear on there; you ought to be able to find the firm name, and that means the legislation covers all of their employees. If they are unable to provide these accreditations, the person can't offer advice but can offer financial guidance. Guidance is different to advice as it's not regulated in the same way, and if financial blunders are made there will likely be no recourse to either party.
If you're needing advice on investments you will be asked about the amount of risk you're ready to take on. Higher risk investments may offer better rewards, however all or some of your cash could be lost. Decent financial and investment advice should take you savings aims into consideration, i.e. how much you wish to invest, how rapidly you need to access your money and long or short term investments. You should invariably ask yourself the one important question, how much can you actually afford to lose. Sometimes referred to as your 'capacity for loss', this will most likely influence the services and products that you are offered.
You'll want to let your financial advisor know about any current personal savings, mortgages, investments or regular outgoing payments. To ensure that you get the most suitable advice for you, they need to have a clear and full picture of your financial circumstances. Sound financial advice should include diversifying your savings and investments by spreading the risk load across different products. With an understanding of the best areas to consider, a competent financial advisor will focus attention on products that match your financial circumstances and goals.
Communicating in the clearest way possible, your financial advisor will reveal the multifaceted world of finance and investment. This will enable you to compare products and services which match your needs, and make an informed decision. You could even ask your financial advisor only to choose ethical investment and savings schemes. This doesn't just give you investment possibilities, but also allows you to lend your support to zero carbon or renewable energy projects, and steer clear of those that do not share the same values that you do.
Working alongside your financial advisor in Great Bookham can be challenging to manage around your work day and other responsibilities. One-on-one meetings can be complemented with phone calls and video conferencing to allow you to get advice at a time to suit you. Even if you hardly ever have a face-to-face meeting with your personal advisor, a competent financial advice company in Great Bookham will have strict measures in place to keep your details confidential and secure, because working from home and remote working is now commonplace.
You must bear in mind that the financial world is an unpredictable sector, and the value of your investments can just as easily drop as well as rise. If it just so happens that your investment isn't making the amount of money you were hoping for, it can be a stressful and frustrating time. A downward trend in your investment is not a recognised cause for complaint, unless your advisor has given you incorrect or misleading information.
The company's official complaints procedure should be the best place to start with any grievances, and the Key Facts Document should clarify this. You can tell the Financial Ombudsman about the situation if it is unresolved within the time schedule stipulated by the regulating body, and your advisor is a member of the FCA.
After independently reviewing the cause for complaint, the Financial Ombudsman will come to a decision on the issue. If the complaint is found to be justified, a decision will be made on how to financially compensate the client. Once the decision is accepted by the customer it becomes a legally binding decision which the financial advisor and their firm, must abide by. Any distress, hassle, upset and inconvenience caused to the customer during the dispute, will be taken into account when the Ombudsman establishes the level of compensation.
Financial advice can be provided in Great Bookham and also in: Martyr's Green, West Horsley, Wisley, Westhumble, East Clandon, Ashtead, Little Bookham, Downside, East Horsley, Ripley, Headley, Ockham, Ranmore Common, Mickleham, Givons Grove, Stoke D'Abernon, Bridge End, Fetcham, Pixham, Effingham, as well as in these postcodes KT23 3AL, KT23 3HW, KT23 3EX, KT23 3BG, KT23 3DZ, KT23 3PB, KT23 3LF, KT22 9TE, KT23 3BF, KT23 3BW. Local Great Bookham financial advisors will probably have the dialling code 01372 and the postcode KT23. Verifying this will guarantee you're accessing locally based financial advisers. Great Bookham homeowners will be able to utilise these and various other comparable services.
Financial Advice Enquiries Surrey
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Great Bookham Financial Advice Services
There are a number of different services which are provided by your local Great Bookham financial advisor including cash flow modelling Great Bookham, annuity purchase in Great Bookham, stakeholder pension advice in Great Bookham, death benefit advice, trusts, divorce planning, unit trusts, pension drawdowns, pension consolidation advice, ISA's, personal pensions advice Great Bookham, family income benefit, pension advice, familt controlled trusts, tax financial planning, trustee investment services, equity release in Great Bookham, investment reviews, life assurance advice, money planning, corporate financial planning in Great Bookham, personal financial planning, pension transfer advice, saving for children, corporate bonds, independent financial advice, life insurance, pension planning, long term care fee advice Great Bookham, portfolio management, and more. These are just a few of the duties that can be performed by a financial advisor. Great Bookham professionals will be happy to tell you about their entire range of services.
Everyday Tasks of a Financial Advisor
- A financial advisor produces in-depth financial reports.
- A financial advisor meets performance and sales targets.
- A financial advisor researches financial products and explains them simply and clearly to clients.
- A financial advisor keeps up to date with new products and legislation changes.
- A financial advisor talks with clients regarding their finances and plans.
- A financial advisor works together with colleagues to obtain statistics, trends and market information.
- A financial advisor keeps detailed records of customers and transactions.
- A financial advisor continually updates customers regarding their investments.
- A financial advisor negotiates with financial product providers.
- A financial advisor provides education, consultation and counselling regarding investments and finances.
Financial Advisors Near Great Bookham
Also here.: Mickleham financial advisers, Ockham financial advisers, Effingham financial advisers, Stoke D'Abernon financial advisers, Givons Grove financial advisers, Ashtead financial advisers, West Horsley financial advisers, Ripley financial advisers, Little Bookham financial advisers, East Clandon financial advisers, East Horsley financial advisers, Wisley financial advisers, Pixham financial advisers, Ranmore Common financial advisers, Fetcham financial advisers, Bridge End financial advisers, Martyr's Green financial advisers, Headley financial advisers, Westhumble financial advisers, Downside and more. The majority of these areas are served by local financial advisers. Great Bookham residents can get quotations by going
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Financial Advisors Around Great Bookham: Financial advice has recently been provided in the following Great Bookham streets - Beales Road, Chrystie Lane, Barrett Road, Glebe Close, White Way, St Nicholas Avenue, Orchard End, Norbury Way, Pine Dean, Fairfield Close, Amey Drive, Groveside, Barrington Drive, Keswick Road, Gardener's Walk, High Street, Eastwick Road, Lower Shott, Howard Road, Crabtree Close, Townshott Close, Leatherhead Road, Chapel Lane, Oakdene Close, Hales Oak, as well as these Great Bookham area postcodes: KT23 3AL, KT23 3HW, KT23 3EX, KT23 3BG, KT23 3DZ, KT23 3PB, KT23 3LF, KT22 9TE, KT23 3BF, KT23 3BW. People in these areas recently required help from a financial advisor. Great Bookham residents enjoyed competent and top quality financial services.
More Surrey Financial Advisors: More Horley, Banstead, Haslemere, Molesey, Woking, Bagshot, Virginia Water, Ewell, Byfleet, Great Bookham, Claygate, Addlestone, Godstone, Godalming, Cranleigh, Oxted, Redhill, Englefield Green, Farnham, Caterham, Sunbury-on-Thames, Chertsey, Frimley, Ash, Camberley, Cobham, Knaphill, Shepperton, Hersham, Reigate, Epsom, Egham, Walton-on-Thames, Windlesham, Esher, Ashtead, Weybridge, Chessington, Staines, Lightwater, Leatherhead, Warlingham, Tadworth, Guildford and Dorking.:
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Independent financial advisor in KT23 area, (dialling code 01372).
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