Financial Advisor Halesowen

Halesowen Independent Financial Advice & Investment

Financial Advisor Halesowen West Midlands (B63): If you're in search of financial advice for the first time, trying to find a good independent financial advisor in the Halesowen area can be a challenging experience. Whether it's pensions, investments, mortgage or even insurance advice that you're searching for, there's one common rule for all professional financial advisors; they must all adhere to Financial Conduct Authority (FCA) regulations. The advantage of this is that if a financial advisor who is FCA approved gives you bad advice, and anything goes wrong, you have guarantees, and are able to contact the Financial Services Compensation Scheme or the Financial Ombudsman to have it put right.

Free Halesowen Financial Advisor Quotes

When picking a financial advisor in Halesowen, a good starting point could be friends and neighbours, but you must remember that your situation might not be in line with theirs, and you might need a different type of advice. Financial advice must be specifically tailored to your particular situation, and you'll find that certain financial advisors may not be suitable for you. It is wise to talk to at least 3 different firms when you are picking a financial advisor, since this is a major decision, and you need to find one that you can trust and feel at ease with, and also investigate the various options they offer.

Financial Advisor Halesowen West Midlands (B63)

Restricted advisors and independent financial advisors, are the 2 principal types of financial advisor in Halesowen. Offering a wider range of options, an IFA will not be limited to just one company's services or products. Covering the full spectrum of financial companies and products, independent financial advice must be given in an unbiased and impartial way to clientele. Using an independent financial advisor should allow you to select from the broadest possible array of products. A restricted financial advisor may be tied to services and products from a particular company, or might even focus on an individual product, as can be the case with a mortgage advisor.

Before accepting you as a client, any financial advisor in Halesowen must discuss their charges with you, as set out by the FCA. Although it can vary based on the type of product you're interested in, there could be an hourly rate, a set fee, or you might even be charged a specific percentage of what you're investing. To allow you to discuss your goals and see if the advisor is suitable for you and your circumstances, a free preliminary consultation could be offered. In some bigger Halesowen companies, you could find that your account is managed by a team rather than an individual advisor.

Financial Advisors Halesowen UK (0121)

To summarise your financial situation and objectives to the advising company, you will have to complete a "Fact Find" document, which is a confidential disclosure form. An Initial Disclosure Document, or Key Facts Document will also be handed to you, providing information regarding the financial advisors themselves, detailing the extent of their permissions in the financial arena and their situation for offering restricted or independent advice. Your rights should also be spelled out in this document, in addition to the options you can take if you want to complain because you are not satisfied with the service you're given. It must be easily understood, written in plain language, and outline exactly what you're committing yourself to, along with the benefits and risks of going along with the advice. The level of cooling-off period should also be explained in this Key Facts Document. Within a specific time frame, this makes it possible for you to cancel your agreement with the financial advisor.

When talking with your financial advisor for the first time make sure you check their experience and qualifications. After all you are on the verge of entrusting your financial future to their skill, so you should never be self-conscious about asking these questions. Every financial advisor in Halesowen must be able to present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. When checking the Financial Services Register, you shouldn't stress if your financial advisor's name does not show up on there; you ought to be able to locate the company name, and that means the regulations covers all of their staff. If these cannot be presented the individual may still offer financial guidance rather than advice. Guidance is somewhat different to advice as it's not regulated in the same way, and if financial blunders occur there will probably be no recourse to the client.

Financial Advisor Quotes in Halesowen West Midlands

You'll be asked about the level of risk you are ready and able to take, if you are seeking advice on investing money. Most investments carry some element of risk, but higher risk investments may offer better rewards, and also more likelihood of losing your capital. In order to get the most beneficial investment and financial advice, your savings aims will have to be carefully considered, i.e. how much you have to invest, short or long term investments and how rapidly you need to access your funds. One question you should ask yourself, which is often ignored, is just how much you can afford to lose. Referred to as your capacity for loss, this will most likely affect the products and services that you are offered.

Financial Advice Near Halesowen West Midlands

You need to tell your financial advisor about your existing investments, mortgage loans, savings or regular outgoing payments. They will need these details, so that they can get a picture of your finances and give the correct advice for your needs. Spreading the risk across various products through the diversification of your investments and savings, is something that sound financial advice should encompass. A professional financial advisor in Halesowen will have the knowledge of the best products to consider, which match your financial situation and your goals.

A financial advisor will throw open the multifaceted world of finance, and try to speak in the clearest possible way. This will enable you to compare services and products that match your needs, and come to an informed decision. You could even ask your financial advisor to only specify ethical savings and investments. This will allow you to give your support to businesses and companies that address your concerns, e.g. renewable energy or zero carbon, or perhaps staying away from investments that do not meet your requirements.

It could prove difficult to manage work and other obligations around working closely with your financial advisor in Halesowen. To enable you to seek advice at times that suit you, face-to-face appointments can be supplemented with video conferencing and telephone. Even if you hardly ever have a one-to-one meeting with your personal advisor, a competent financial advice firm in Halesowen will have strict measures in force to keep your details confidential and secure, because working from home and remote working is now commonplace.


Investments can be a volatile area, and values could fall as well as rise. If it just so happens that your investment is not making the amount of money you hoped for, it can be an extremely worrying and frustrating time. Your investment having a downward trend is not seen as a cause for complaint, unless your advisor has given you incorrect or misleading information.

Independent Financial Advisor Near Halesowen (B63)

As laid out in the Key Facts Document, any grievances should start with the company's complaints procedure. You can tell the Financial Ombudsman about the situation if it remains unsolved within the time-frame set out by the regulating authority, and your financial advisor is registered with the FCA.

The Financial Ombudsman will independently review the cause for complaint and come to a decision. A decision is made on how to financially compensate the customer, if the complaint is justified. This will become legally binding once it has been accepted by the client, and the financial advisor and their company must abide by the decision. Any hassle, distress, annoyance and inconvenience caused to the client during the dispute, will be considered when the Financial Ombudsman establishes the level of compensation.

Book a Financial Advisor in Halesowen UK

Financial advice can be provided in Halesowen and also nearby in: Pedmore Fields, Wollescote, Hurst Green, Moor Street, Hasbury, Cradley Heath, Quarry Bank, Warley, Quinton, Romsley, Hayley Green, Cradley, Woodgate, Lapal, Hunnington, Belle Vale, and in these postcodes B62 0DP, B62 0BP, B62 0BL, B62 0AW, B62 0JR, B62 2FX, B62 0HW, B62 0DT, B62 0HT, B62 2FE. Locally based Halesowen financial advisors will most likely have the postcode B63 and the telephone code 0121. Simply click on the "enquiry" form or banner to get details about financial advisors in your location.

Everyday Duties of a Financial Advisor

  • Providing counselling, education and consultation regarding finances and investments.
  • Making deals with with providers of financial products.
  • Continually updating clients concerning their investments.
  • Meeting performance and sales targets.
  • Working in conjuction with peers to obtain market information, statistics and trends.
  • Recommending the financial products that are best-suited to clients.
  • Maintaining detailed records of transactions and customers.
  • Talking to clients about their finances and plans.
  • Producing financial reports.
  • Keeping fully up to date with regulation changes and new products.

Halesowen Financial Advice Services

Financial Advice Tasks Halesowen

There are a number of different services that can be provided by your local Halesowen financial advisor including will writing services, pension advice, equity release advice, wealth management & investments, cheap financial advice in Halesowen, independent financial advice, investment planning Halesowen, financial planning, divorce planning in Halesowen, financial services in Halesowen, business financial planning, offshore investments, life assurance advice, portfolio management, family income benefit, cashflow analysis in Halesowen, investment bonds, corporate financial planning Halesowen, pension plans Halesowen, investment advice, annuity purchases Halesowen, annuities, life insurance advice, pension drawdowns, ISA's in Halesowen, and lots more.


Financial Advisors Near Halesowen

Also find: Hayley Green financial advisors, Cradley financial advisors, Warley financial advisors, Belle Vale financial advisors, Wollescote financial advisors, Moor Street financial advisors, Lapal financial advisors, Woodgate financial advisors, Hurst Green financial advisors, Cradley Heath financial advisors, Hunnington financial advisors, Pedmore Fields financial advisors, Romsley financial advisors, Quarry Bank financial advisors, Quinton financial advisors, Hasbury financial advisors and more.

Halesowen Financial Advice Services

Find a Financial Advisor in Halesowen Here
Financial Advice Enquiries in Halesowen West Midlands (0121)
  • Halesowen Corporate Financial Planning
  • Halesowen Trustee Investments
  • Halesowen Retirement Planning
  • Halesowen Estate Planning
  • Halesowen Tax Advice
  • Halesowen Pension Advice
  • Halesowen Financial Advice Quotations
  • Halesowen Financial Advice
  • Halesowen Mortgage Advice
  • Halesowen Life Insurance Advice
  • Halesowen Investment Advice
  • Halesowen Cashflow Analysis
  • Halesowen Inheritance Advice
  • Halesowen Cheap Financial Advice

More Halesowen Services: Of course, when you're looking at your finances in Halesowen, West Midlands, you'll likely need all types of different services and apart from a financial advisor in Halesowen, West Midlands, you may also need business consulting in Halesowen, mortgage advice in Halesowen, estate planning in Halesowen, family lawyers in Halesowen, accountants in Halesowen, banruptcy lawyers in Halesowen, payroll services in Halesowen, business financial planning in Halesowen, wills & probate in Halesowen, tax preparation in Halesowen, contracts lawyers in Halesowen, mortgage brokers in Halesowen, investment advisors in Halesowen, bookkeeping in Halesowen, property law & conveyancing in Halesowen, solicitors in Halesowen, debt recovery & collection in Halesowen, and other different Halesowen experts.

Financial Advisors Around Halesowen: Over the last twelve months financial advice was provided in these Halesowen streets: Sylvan Green, The Haylofts, Stanmore Grove, Stennels Avenue, Chapel Street, Bournes Crescent, Briery Road, Belle Vue Drive, St Kenelms Avenue, Coombs Road, Belbroughton Road, The Lawley, St Pauls Drive, Brackenfield Road, Cromdale Drive, Timberdine Close, Bath Meadow, Blagdon Road, Doran Close, Cheviot Way, Alexandra Road, St Johns Road, Cherry Orchard Crescent, Beecher Place, Bundle Hill, Binswood Road, Cherry Street, Caslon Road, and in these West Midlands postcodes: B62 0DP, B62 0BP, B62 0BL, B62 0AW, B62 0JR, B62 2FX, B62 0HW, B62 0DT, B62 0HT, B62 2FE.

To find out local information about Halesowen, West Midlands take a look here

Independent financial advisor in B63 area, (dialling code 0121).

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