Financial Advisor Halesowen

Halesowen Independent Financial Advice & Investment

Financial Advisor Halesowen West Midlands (B63): If you're seeking financial advice for the first time, trying to locate a good financial advisor advisor in Halesowen can be a quite daunting experience. Whether it's pension, mortgage, investments or even insurance guidance that you're looking for, there's one common rule for all financial advisors; they must all observe Financial Conduct Authority (FCA) regulations. This comes with various guarantees, so after getting advice from a FCA authorised financial advisor in Halesowen, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman, if anything goes wrong.

Free Halesowen Financial Advisor Quotes

When selecting a financial advisor in Halesowen, a decent place to begin could be friends and relations, but you must keep in mind that your situation may not be the same as theirs, and you might be in need of a different sort of advice. Financial advice should be specifically tailored to your particular circumstances, and you will discover that some financial advisors might not be appropriate for your requirements. To check out the options that they are offering and find a financial advisor that you can trust and feel at ease with, it is a good idea to speak with at least 3 different firms, because after all choosing a financial advisor is an important decision.

Financial Advisor Halesowen West Midlands (B63)

There are two main kinds of financial advisor in Halesowen; independent financial advisors and restricted advisors. An IFA should not be restricted to a single provider's services or products. Covering the full gamut of financial products and companies, independent financial advice should be offered in an unbiased and impartial way to customers. Consulting an IFA should enable you to pick from the broadest possible range of products. If you use a restricted financial advisor you'll discover that they could be limited to services and products of a particular provider, or as in the case of a mortgage advisor, might only be concerned with one product.

Before any financial advisor accepts you as a client, they're required by the FCA to be fully transparent with you about their charges. According to the services you are looking for, you could be charged a set fee, by the hour or perhaps even a proportion of your investment. A free initial consultation could be offered, so you can discuss your aims and circumstances to see if the advisor is the best fit. Your account could be handled by a team rather than one individual advisor, if you elect to use one of the larger Halesowen companies.

Financial Advisors Halesowen UK (0121)

Before any actual financial advice is given you'll need to fill out a confidential disclosure form, called a "Fact Find" document, which informs the advising firm about your aims and financial situation. You'll also be given a Key Facts or Initial Disclosure Document, which provides information regarding the financial advisor, their status to offer restricted or independent advice and their range of permissions in the financial arena. This document should also lay down your own legal rights and the options you can take if you aren't happy with the service provided, and wish to complain. It should detail precisely what you are committing yourself to, and any possible risks and benefits should you decide to take the offered advice, and it must be written in clear language. The cooling-off period should also be fully explained in this document. This permits you to cancel the agreement within a specific time period, and whenever any penalty charges have to be paid.

Make sure you check the qualifications and experience of the financial advisor the first time you speak to them. After all you're on the verge of entrusting your long-term financial wellbeing to their expertise, so you shouldn't be embarrassed about asking such questions. All Halesowen financial advisors must hold at least a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. If your advisor's name doesn't show up on the Financial Services Register, you shouldn't stress, the company the person works for will almost certainly be on the register and their staff will be covered by the regulations. The individual can still offer financial guidance rather than advice, if these cannot be provided. Guidance is different to advice as it's not regulated in the same way, and if errors are made there may be no recourse to either party.

Financial Advisor Quotes in Halesowen West Midlands

If it is investments that you are interested in, the advisor will want to know the level of risk you are prepared to accept with your hard-earned cash. Most investments carry some element of risk, but higher risk investments could potentially offer higher rewards, but also more chance of losing your funds. Good investment and financial advice should take you savings objectives into consideration, i.e. how much cash you want to invest, long or short term investments and how quickly you need access to your money. "How much can you truly afford to lose?" Is the one question that you really need to ask yourself. This may influence the products and services that could be offered for your consideration, and is generally referred to as your capacity for loss.

Financial Advice Near Halesowen West Midlands

If you have already got any existing regular outgoing payments, mortgages, savings or investments, you need to let your financial advisor know about these. This gives a clear and full picture of your financial situation, without which the advice given may not be the most suitable for you. Spreading the risk across various different products through the diversification of your investments and savings, is something that good quality financial advice should allow for. A professional financial advisor in Halesowen will have the knowledge of the best products to consider, which mirror your goals and your financial situation.

A financial advisor will reveal the complex world of finance, and converse in as much plain speech as possible. You should be in a position to come to an informed decision after you have compared the various products and services which match your needs. You can maybe ask your financial advisor only to include ethical savings and investments. You will then be able to keep clear of firms that businesses meet your requirements, but instead lend your support to those firms and businesses that match your concerns, for example green energy or zero carbon.

It could prove tricky to manage your work day and other commitments around working closely with a financial advisor in Halesowen. This can be alleviated by supplementing face-to-face meetings with video conferencing and phone calls, hence allowing you to seek the guidance you need at times that are convenient. Even if you never have a one-on-one meeting with your advisor, an experienced financial advice company in Halesowen will have strict measures in place to keep your details confidential and secure, because working from home and remote working is now a large part of our society.


The value of your investments could drop as well as rise, and this is something that you need to bear in mind. It can be very worrying and frustrating if your investment is not making as much money as you were hoping for. However, unless it's because of wrong or misleading information from your financial advisor, a downward spiral in your investment is not seen as a cause for complaint.

Independent Financial Advisor Near Halesowen (B63)

Any complaints should commence with the firm's official complaints procedure as indicated in the Key Facts Document. You can tell the Financial Ombudsman about the problem if it remains unresolved within the time-frame stipulated by the regulating body, and your advisor is registered with the Financial Conduct Authority.

The Financial Ombudsman will make a ruling after independently reviewing the cause of the complaint. If it is found that the complaint is justifiable, a decision is made on how the customer can be financially compensated. Once the ruling has been agreed on by the client it becomes a legally binding decision which the advisor and their firm, must comply with. Any inconvenience, upset, trouble and distress caused to the client during the process, will be taken into account when the Ombudsman fixes the level of compensation.

Book a Financial Advisor in Halesowen UK

Financial advice can be provided in Halesowen and also nearby in: Pedmore Fields, Hunnington, Cradley, Romsley, Quarry Bank, Moor Street, Warley, Cradley Heath, Hurst Green, Woodgate, Wollescote, Belle Vale, Hayley Green, Lapal, Quinton, Hasbury, together with these postcodes B62 2JB, B62 0BA, B62 0AB, B62 2FH, B62 0HY, B62 8AA, B62 0DH, B62 0JS, B62 2FY, B32 3QZ. Locally based Halesowen financial advisers will likely have the telephone dialling code 0121 and the postcode B63. Checking this can ensure that you access locally based financial advisers. Halesowen homeowners will be able to benefit from these and numerous other similar services. Simply click on the "enquiry" banner or form to get info on financial advisors in your location.

A Financial Advisor's Day to Day Tasks

  • Keeping detailed records of clients and transactions.
  • Meeting targets for sales and performance.
  • Talking with customers regarding their plans and finances.
  • Producing in-depth financial reports.
  • Collaborating with financial product providers.
  • Providing education, consultation and counselling with regards to finances and investments.
  • Updating customers about their investments.
  • Keeping abreast of legislation changes and new products.
  • Researching financial products and explaining them clearly and simply to customers.
  • Working in collaboration with peers to obtain market information, trends and statistics.

Halesowen Financial Advice Services

Financial Advice Tasks Halesowen

There is a wide range of services that can be provided by your local Halesowen financial advisor including independent financial advice in Halesowen, annuities Halesowen, bridging finance in Halesowen, pension drawdowns, mutual funds, pension consolidation, financial planning, financial analyst services, saving for children, cheap financial advice, income protection, ISA's, investment plans, pension reviews, retirement advice Halesowen, personal pensions Halesowen, critical illness cover, annuity purchases Halesowen, trustee investment services, personal financial planning in Halesowen, will writing services, business protection Halesowen, mortgage financial planning Halesowen, wealth management & investments, cashflow planning, ethical investment advice, investment consolidation, corporate bonds, offshore investments in Halesowen, unit trusts Halesowen, and lots more. These are just a selection of the duties that can be carried out by a financial advisor. Halesowen professionals will be delighted to keep you abreast of their full range of financial services.


Financial Advisors Near Halesowen

Also find: Hurst Green financial advisors, Moor Street financial advisors, Hayley Green financial advisors, Cradley financial advisors, Quinton financial advisors, Belle Vale financial advisors, Warley financial advisors, Woodgate financial advisors, Hasbury financial advisors, Hunnington financial advisors, Romsley financial advisors, Quarry Bank financial advisors, Lapal financial advisors, Wollescote financial advisors, Pedmore Fields financial advisors, Cradley Heath financial advisors and more. All of these areas are served by local financial advisers. Halesowen residents can get financial advice quotations by clicking here.

Halesowen Financial Advice Services

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

Financial Advisors Around Halesowen: Some Halesowen streets and areas where financial advice has recently been given - The Drive, Clarendon Place, St Johns Road, Summit Gardens, Drews Holloway South, Sandals Rise, Apperley Way, Charles Road, Blackberry Lane, Daleswood Park, Sidlaw Close, County Park Avenue, The Queens Drive, Dogkennel Lane, Barnfield Road, Alison Road, Alvin Close, Conifer Paddock, Spies Close, Cradley Fields, Cherry Orchard Crescent, Church Road, Tregarron Road, Blakedown Road, Summer Hill, Beecher Road East, The Rookery, Summerfields Avenue, as well as the following local Halesowen postcodes: B62 2JB, B62 0BA, B62 0AB, B62 2FH, B62 0HY, B62 8AA, B62 0DH, B62 0JS, B62 2FY, B32 3QZ. Folks residing in these local areas recently requested the help of a financial advisor. Halesowen residents received reliable and professional financial services on every occasion.

If you're interested in local Halesowen information click here

Independent financial advisor in B63 area, telephone code 0121.

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(This financial advisor Halesowen page was reviewed and updated on 01-09-2022)