Financial Advisor Guildford Surrey (GU1): It can be a challenging experience trying to locate a decent independent financial advisor in Guildford, particularly if it is the very first time that you are needing financial advice. However, all professional financial advisors have one thing in common; they all have to conform to the regulations laid down by the Financial Conduct Authority, regardless of whether you are after pensions, mortgage, investment or even insurance advice. This comes with some guarantees, therefore after taking advice from a FCA approved financial advisor in Guildford, you can seek recompense from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if if things go awry.
Recommendations from friends and relations can be a decent starting place in selecting a financial advisor in Guildford, but remember that their circumstances may be different to what you're looking for. Financial advice must be individually tailored to your unique situation, and you'll discover that certain financial advisors might not be appropriate for you. It is a good idea to talk with at least three different firms when you're choosing a financial advisor, because this is a big decision, and you will be looking to find one that you feel comfortable with and can trust, and also explore the various options they can provide.
There are two main types of financial advisor in Guildford; restricted advisors and independent financial advisors (IFA). The advantage of seeing an independent financial advisor is that they should not be restricted to the services or products of just one company, and can offer a more extensive range of options. Encompassing the full gamut of financial companies and products, independent financial advice should be given in a frank and unbiased way to clients. This will enable you to pick from the widest possible range of products to meet your needs. A restricted advisor might be involved with an individual product, as with a mortgage advisor, or be restricted to products and services from a specific provider.
Before any financial advisor in Guildford accepts you as a client, they're required by the Financial Conduct Authority to tell you about their charges. Contingent on the kind of services you're looking for, you could be charged by the hour, a set fee or perhaps even a proportion of your investment. A free initial consultation may be offered, so that you can discuss your goals and circumstances to determine whether the advisor is the right choice. Your account might be handled by a team as opposed to a single advisor, if you decide to use one of the larger Guildford firms.
To describe your objectives and financial situation to the advising company, you'll be required to fill out a "Fact Find" document, which is a confidential disclosure form. You will also be handed a Key Facts Document, or Initial Disclosure Document, which provides details about the financial advisor, their situation for offering independent or restricted advice and their scope of permissions in the financial arena. If you are not satisfied with the service, and wish to make a complaint, this document will also lay down your own legal rights and the options you can take. It should be typed out in plain language and describe what you are signing up for, and any potential risks and benefits should you opt to go along with the offered advice. This document will also tell you about the level of cooling-off period. This makes it possible for you to change your mind within a specific time frame, and cancel the contract with your financial advisor.
When speaking to your financial advisor for the first time make sure you check their experience and qualifications. You needn't be embarrassed about asking these questions, after all you're on the verge of entrusting your financial future to their skill. All financial advisors in Guildford must hold at least a Level 4 qualification and present an annual Statement of Professional Standing. If your advisor's name does not appear on the Financial Services Register, you don't need to panic, the company the advisor works for should be found on the register and their staff are all covered by the regulations. If these can't be presented the person can still offer financial guidance instead of advice. Guidance is somewhat different to advice as it is not regulated in the same way, and if financial errors are made there may be no recourse to the client.
If you are needing advice on investments you will be asked about the amount of risk you're willing and able to take. Bigger rewards might be possible with high risk investments, however you stand a greater chance of losing some or all of your money. Good financial and investment advice will take into account your savings goals, i.e. how much you wish to invest, how rapidly you need access to your funds and short or long term investments. "How much money can you truly afford to lose?" Is the one crucial question that you really need to ask yourself. Known as your capacity for loss, this will most likely influence the products and services that you're offered.
Right from the start, it's important to tell your financial advisor about any existing mortgages, savings accounts, investments or regular outgoing payments that you have. This will provide a full and clear picture of your current financial circumstances, and without this the advice given may not be the most suitable for you. Good quality financial advice should allow for diversifying your savings and investments by spreading the risk across various different products. A certified financial advisor in Guildford 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 throw open the multifaceted world of finance and investment. You should be in a position to come to an informed decision once you have compared the various products and services that meet your needs. If you are mind is firmly on the environment, you could ask your financial advisor to stick to ethical savings and investments. This will allow you to give your support to enterprises and firms which match your concerns, i.e. zero carbon or green energy, or perhaps staying away from firms that don't meet your standards.
Working closely with a financial advisor in Guildford can be tricky to fit in around your work life and other responsibilities. To enable you to seek advice at a time to suit you, face-to-face appointments can be supplemented with video conferencing and telephone. A competent financial advice company in Guildford will have rigorous measures in place to ensure your details are kept secure and confidential, even if you never have a one-to-one meeting with your advisor, because home and remote working is now so common.
You must bear in mind that the financial sector can be unpredictable, and the value of your investments can just as easily drop as well as rise. It can be quite worrying and frustrating if your investment fails to make the amount of money you were hoping for. A downward spiral in your investment isn't seen as a cause for complaint, unless your financial advisor has supplied you with wrong or misleading information.
The firm's official complaints procedure should be the place to start with any disputes, and the Key Facts Document should discuss this. You can inform the Financial Ombudsman of the issue if it remains unresolved within the time stipulated by the regulating authority, and the financial advisor is a member of the Financial Conduct Authority.
The Financial Ombudsman will look into the cause for complaint and make a ruling. If the complaint is justified, a decision will be made on how to financially compensate the client. This becomes a legally binding decision as soon as it has been agreed on by the client, and the advisor and their firm must abide by the decision. Any compensation set by the Ombudsman will also take into consideration any inconvenience, distress, trouble and upset caused to the client during the process.
Financial advice can be provided in Guildford and also in nearby places like: Artington, Shalford, Albury, Onslow Village, Woodbridge, Compton, Wood Street Village, Merrow, Peasmarsh, Bellfields, West Clandon, Sutton Green, Stoughton, Woodbridge Hill, Burpham, Farncombe, together with these postcodes GU1 1AE, GU1 1NH, GU1 1PJ, GU1 1DR, GU1 1DH, GU1 1RF, GU1 1LR, GU1 1EH, GU1 1HJ, GU1 1PW. Locally based Guildford financial advisors will probably have the postcode GU1 and the telephone dialling code 01483. Verifying this will make sure that you access locally based financial advisers. Guildford home and business owners will be able to benefit from these and various other similar services.
Financial Advice Enquiries Surrey
Recently posted Surrey financial advice enquiries: Stephanie and Gus Hanson in South Godstone recently asked about mortgage advice. Amalia Cumming and John Cumming in Horsell recently asked for information on life assurance. Damien Mccullough and Safa Mccullough in Godstone, Surrey recently asked for information on pensions. Zavier Waters from Normandy recently asked for information on life assurance. Carmen Button in South Earlswood recently asked about investment bonds. Leena Power and Charlie Power in Wormley, Surrey recently enquired about offshore investments. Zavier and Blanka Makin in Ottershaw, Surrey recently enquired about family income benefit. Emma Benjamin and Jace Benjamin in Godstone recently asked for information on mortgages. These local people searched for "financial advisor Surrey" and came across this webpage on either Google, Bing or Yahoo.
A Financial Advisor's Regular Duties
- A financial advisor provides counselling, education and consultation with regards to finances and investments.
- A financial advisor makes deals with with providers of financial products.
- A financial advisor produces financial reports.
- A financial advisor keeps fully up to date with new financial products and legislation changes.
- A financial advisor updates clients about their investments.
- A financial advisor works with peers to collect statistics, market information and trends.
- A financial advisor meets sales and performance targets.
- A financial advisor chats with customers about their plans and finances.
- A financial advisor recommends the best-suited financial products to customers.
- A financial advisor keeps detailed records of clients and transactions.
Financial Advisors Surrey
In the Surrey area you can likewise find: Abinger financial advice, Smallfield financial advice, Caterham financial advisors, Shamley Green financial advice, Banstead investment advice, Molesey investment advisors, Blindley Heath financial advice, Netherne on the Hill financial advice, Chobham financial advice, Haslemere investment advice, Salfords financial advisors, Alfold financial advisors, Addlestone financial advisors, Hersham investment advisors, Haslemere financial advisors, Ash investment advice, Fairlands financial advisors, Bagshot investment advice, Hersham financial advisors, Oxted investment advice, Langley Vale financial advisors, Virginia Water financial advice, Nutfield financial advisors, Holmwood financial advisors, Deepcut financial advice, Windlesham financial advisors, Horley investment advisors, Caterham investment advisors, Bellfields financial advice.
Guildford Financial Advice Services
There is a range of services which can be provided by your local Guildford financial advisor including unit trusts, multi-asset portfolios Guildford, ISA's, pension transfer advice, saving for children, inheritance tax planning, financial services Guildford, corporate bonds, business protection in Guildford, investing an inheritance, divorce financial planning, general financial planning, portfolio management Guildford, savings advice, cashflow analysis in Guildford, trustee investment services, pension drawdowns, family income benefit, financial analyst services, pension planning, wealth management, pension consolidation Guildford, critical illness cover, investment bonds in Guildford, familt controlled trusts, death benefits, long term care fee advice in Guildford, income protection in Guildford, ethical investment advice in Guildford, retirement advice in Guildford, and lots more. Listed are just a selection of the duties that can be conducted by a financial advisor. Guildford professionals will let you know their full range of services.
Financial Advisors Near Guildford
Also here.: Woodbridge Hill financial advisers, Compton financial advisers, Woodbridge financial advisers, Albury financial advisers, Stoughton financial advisers, Bellfields financial advisers, Farncombe financial advisers, Burpham financial advisers, Onslow Village financial advisers, West Clandon financial advisers, Artington financial advisers, Peasmarsh financial advisers, Merrow financial advisers, Wood Street Village financial advisers, Shalford financial advisers, Sutton Green and more. All these places are serviced by local financial advisers. Guildford residents can get quotes by going
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Financial Advisors Around Guildford: Households in Cranstoun Close, Burwood Close, Sandpit Heath, Chaucer Court, Crest Hill, Sadlers Close, Dunmore, Ash Grove, Barton Road, Colekitchen Lane, The Farriers, Cedar Way, Bowers Lane, Sweetwater Close, Bowers Close, Brookside, Dene Road, Broomfield, Burnet Avenue, The Fairway, Slyfield Green, Coppice Close, Chinthurst Park, Ardmore Avenue, Collingwood Crescent, Barton Place, Blanchards Hill, The Maltings, have needed financial advice recently. Financial advisors have also been active in the following local Guildford postcodes: GU1 1AE, GU1 1NH, GU1 1PJ, GU1 1DR, GU1 1DH, GU1 1RF, GU1 1LR, GU1 1EH, GU1 1HJ, GU1 1PW. People living in these local areas recently needed the help of a financial advisor. Guildford residents enjoyed trusted and reliable financial services in every case.
More Surrey Financial Advisors: More Windlesham, Woking, Lightwater, Egham, Addlestone, Banstead, Walton-on-Thames, Reigate, Shepperton, Molesey, Bagshot, Warlingham, Ewell, Knaphill, Godstone, Caterham, Ash, Staines, Horley, Great Bookham, Byfleet, Sunbury-on-Thames, Godalming, Claygate, Chertsey, Redhill, Oxted, Chessington, Cranleigh, Frimley, Virginia Water, Epsom, Ashtead, Leatherhead, Tadworth, Esher, Guildford, Cobham, Weybridge, Haslemere, Dorking, Farnham, Camberley, Englefield Green, Hersham.:
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Guildford Financial Advisor Jobs: See financial adviser jobs near Guildford here: Financial Advisor Jobs Guildford
Independent financial advisor in GU1 area, phone code 01483.
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