Financial Advisor Havant

Havant Independent Financial Advice & Investment

Financial Advisor Havant Hampshire (PO9): Locating a good financial advisor advisor in the Havant area can be a daunting experience, especially if you are needing financial advice for the very first time. However, all professional financial advisors are bound by one common rule; they all have to conform to the regulations laid down by the Financial Conduct Authority (FCA), regardless of whether you are searching for mortgage, pension, investment or even insurance guidance. This comes with certain guarantees, so after taking advice from a FCA authorised financial advisor in Havant, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if something should go wrong.

Free Havant Financial Advisor Quotes

Relatives and friends recommendations can be a good starting point in picking a financial advisor in Havant, but remember that their situation may be different to the kind of advice you are looking for. Every financial advisor isn't suitable for everybody, and any advice they provide should be tailored to your particular situation. To investigate the options they are offering and find a financial advisor that you feel comfortable with and can trust, it is wise to speak with at least three different firms, because after all selecting a financial advisor is a major decision.

Financial Advisor Havant Hampshire (PO9)

There are 2 main types of financial advisor in Havant; restricted advisors and independent financial advisors. An IFA will not be restricted to the products and services of a single company. Independent financial advice should cover the full spectrum of financial companies and products, and must be given in an unbiased way. If you choose to use an independent financial advisor, you'll be able to pick from the widest possible range of products, in order to find the ideal solution for you. If you use a restricted financial advisor you'll find that they could be limited to products and services of a single provider, or as with a mortgage advisor, will only be focused on one individual product.

Before any financial advisor in Havant accepts you as a client, they're required by the FCA to be fully transparent with you about their charges. In accordance with the services you're looking for, you could be charged by the hour, a set fee or maybe even a proportion of your investment value. You might be offered the possibility of a free initial consultation to allow you to discuss your aims and find out if the advisor is the correct fit for you and your situation. If you use one of the bigger Havant firms, your account could be looked after by a team of advisors rather than just one person.

Financial Advisors Havant UK (023)

To outline your financial situation and objectives to the advising company, you will have to fill in a "Fact Find" document, which is a confidential disclosure form. A Key Facts or Initial Disclosure Document will also be handed to you, to provide details about the financial advisors themselves, outlining the extent of their permissions in the financial market and their situation for offering independent or restricted advice. Your legal rights will also be spelled out in this document, along with the possible options you can take if you need to complain because you are not happy with the service provided. It has to be written in plain language and detail what you are signing up for, and any possible risks and benefits if you elect to go along with the advice offered. The allowed cooling-off period should also be fully explained in this Key Facts Document. This enables you to change your mind within a specific period of time, and cancel your agreement with the financial advisor.

When chatting with your financial advisor the very first time you should check their experience and qualifications. After all you're on the verge of entrusting your financial future to their expertise, so you should never be embarrassed about asking such questions. Every financial advisor in Havant must present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. If the advisor's name does not appear on the Financial Services Register, you don't need to freak out, the company the person works for will almost certainly be on the register and their staff will be covered by the regulations. If they are not able to supply these accreditations, the person can't offer advice but can offer financial guidance. Guidance isn't regulated in the same way as financial advice, which means that if errors are made the client won't have any recourse.

Financial Advisor Quotes in Havant Hampshire

You'll be asked about the level of risk you're ready and able to take on, if you are seeking advice on investing money. Higher risk investments could offer bigger rewards, however all or some of your funds could be lost. Your savings objectives should be taken into account if good investment advice is to be given, i.e. how much you wish to invest, how rapidly you need to access your funds and short or long term investments. "How much can you afford to lose?" Is the one vital question that you really need to ask yourself. This is generally known as your 'capacity for loss' and may influence the products and services that could be offered to you.

Financial Advice Near Havant Hampshire

You will have to let your financial advisor know about any current regular outgoings, savings accounts, investments or mortgages. They will need this information, so they can get a clear picture of your financial situation and give the best advice for you. Diversifying your investments and savings by spreading the risk across a range of different products, is an essential part of sound financial advice. With an understanding of the best areas to consider, a certified financial advisor will favour products that most closely fit in with your financial circumstances and goals.

Your financial advisor will communicate in the clearest possible way, to reveal the multifaceted world of finance. You should be able to come to an informed decision when you have compared the various products and services which meet your needs. If you are environmentally minded, you can maybe ask your advisor to stick to ethical savings and investments. This will allow you to support businesses and firms that address your concerns, e.g. zero carbon or green energy, or perhaps staying away from corporations that don't meet your criteria.

Having a close working relationship with a financial advisor in Havant could cause issues with your work day and other commitments. Face-to-face meetings can be augmented with video conferencing and telephone calls to enable you to seek advice at times that suit you. Even if you hardly ever have a one-on-one meeting with your advisor, an established financial advice firm in Havant will have strict measures in force to ensure your details are kept secure and confidential, because remote and home working is now so common.


Investments can be an unpredictable area, and values can fall as well as rise. If your investment fails to make as much money as you were hoping for, it can be quite worrying and demoralising. Regrettably, a downward spiral in your investment isn't a recognised basis for complaint, unless it is due to incorrect or misleading information from your financial advisor.

Independent Financial Advisor Near Havant (PO9)

The firm's official complaints procedure should be the place to start with any grievances, and the Key Facts Document should discuss this. If the advisor is a member of the Financial Conduct Authority, you can tell the Financial Ombudsman about the matter if it is unsolved within the time-frame laid down by the regulating authority.

After reviewing the cause for complaint, the Financial Ombudsman will come to a decision on the issue. A decision will be made on how to rectify the situation or financially compensate the customer, if the complaint is justified. Once agreed on by the client, the decision becomes a legally binding one, and the financial advisor and their firm must abide by it. Any compensation set by the Ombudsman will also take into account any annoyance, hassle, distress and inconvenience caused to the customer during the process.

Book a Financial Advisor in Havant UK

Financial advice can be provided in Havant and also in: Leigh Park, Denvilles, Drayton, Langstone, Prinsted, Hayling Island, Warblington, Bedhampton, Widley, Purbrook, Westbourne, Farlington, Rowlands Castle, New Brighton, Emsworth, and in these postcodes PO9 1QL, PO9 1AE, PO9 1QT, PO9 1NT, PO9 1UA, PO9 1DY, PO9 1JW, PO9 1DX, PO9 1HL, PO9 1FJ. Locally based Havant financial advisers will most likely have the phone code 023 and the postcode PO9. Checking this out can confirm that you're accessing locally based financial advisers. Havant householders are able to benefit from these and lots of other related services. Simply click on the "enquiry" banner or form to get details about financial advisors in your area.

Pension Planning

Pension planning is a crucial step towards a secure retirement. The engagement of a financial advisor's services can bring about substantial process improvement. An experienced advisor, understanding your retirement goals, will assess your current financial situation and design a personalised pension plan. The complexities of the UK's pension options, including the state pension, workplace pensions, and SIPPs, are navigated by them. Making informed decisions about contributions, tax implications and investment choices can be achieved by leveraging their expertise. Working with a financial advisor in Havant ensures that your future is secured with a solid pension plan, offering peace of mind and financial stability.

UK pension planning revolves largely around the State Pension, which is a government-backed scheme that provides a basic level of retirement income. Eligibility for the State Pension is usually based on an individual's National Insurance record, which is built up over their working life. However, changes to the State Pension age and the number of qualifying years needed have made understanding the complexities of this scheme more important than ever before. (42316)

Havant Financial Advice Services

Financial Advice Tasks Havant

There is a variety of services that are provided by your local Havant financial advisor including pension planning, family income benefit in Havant, independent financial advice, financial planning, pension drawdowns, income protection advice, money planning in Havant, financial analyst services, familt controlled trusts in Havant, bereavement benefits, cashflow analysis Havant, business protection, trusts, pension transfers, retirement plans, corporate financial planning, will writing services, cheap financial advice, corporate bonds, inheritance tax planning, personal pensions, savings advice, equity release Havant, ethical investments Havant, annuities, annuity purchases, pension consolidation, portfolio management, saving for children, offshore investment advice, and more. These are just a small portion of the activities that can be conducted by a financial advisor. Havant professionals will keep you informed about their full range of services.

Skills and Knowledge Necessary for Financial Advisors

  • Excellent business management skills for negotiating product rates.
  • To be target driven.
  • A thorough knowledge of accounting and economics associated with financial products and markets.
  • The ability to promote services and products.
  • To have the ability to network and build relationships with customers.
  • To be thorough and pay attention to detail.
  • Outstanding verbal communication skills.
  • Excellent customer service skills for determining client needs and requirements.
  • A good level of mathematical knowledge for creating financial plans.
  • To have the ability to listen attentively
  • To have good IT skills.

Financial Advisors Near Havant

Also find: Warblington financial advisors, New Brighton financial advisors, Westbourne financial advisors, Prinsted financial advisors, Hayling Island financial advisors, Denvilles financial advisors, Farlington financial advisors, Langstone financial advisors, Bedhampton financial advisors, Widley financial advisors and more. Anybody who is hunting for financial advice, will find that these types of services are available in most of these places. Home and business owners in these areas can make enquiries about financial advice by going here.

Havant Financial Advice Services

Find a Financial Advisor in Havant Here
Financial Advice Enquiries in Havant Hampshire (023)
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More Havant Services: Not surprisingly, when you happen to be looking at your finances in Havant, Hampshire, you'll likely need all kinds of different services and apart from a financial advisor in Havant, Hampshire, you might also need contracts lawyers in Havant, payroll services in Havant, investment advisors in Havant, wills in Havant, tax preparation in Havant, mortgage brokers in Havant, business consulting in Havant, family lawyers in Havant, solicitors in Havant, bookkeepers in Havant, banruptcy lawyers in Havant, business financial planning in Havant, accountants in Havant, debt recovery & collection in Havant, mortgage advice in Havant, property law & conveyancing in Havant, estate planning in Havant, and other different Havant experts.

Financial Advisor Jobs Havant: View financial advisor jobs near Havant here: Havant Financial Advisor Jobs

For the best local Havant info look here

Independent financial advisor in PO9 area, phone code 023.

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(This financial advisor Havant article was checked and updated on 20-02-2024)