Financial Advisor Hersham

Hersham Independent Financial Advice & Investment

Financial Advisor Hersham Surrey (KT12): Locating a first-rate financial advisor advisor in Hersham can be an intimidating experience, particularly if you are needing financial advice for the first time. Whether you are looking for mortgage, investment, pensions or even insurance advice, all financial advisors are bound by one common rule; they must all follow the regulations of the Financial Conduct Authority (FCA). This comes with some guarantees, thus after getting advice from a FCA authorised financial advisor in Hersham, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman, if anything goes wrong.

Free Hersham Financial Advisor Quotes

When choosing a financial advisor in Hersham, a good place to start could be friends and relations, but you must remember that your circumstances might not be the same as theirs, and you might be in need of a different kind of advice. Financial advice needs to be specifically tailored to your particular situation, and you will find that certain financial advisors may not be suitable for your requirements. It is a good idea to talk with at least 3 different firms when you are selecting a financial advisor, because this is an important decision, and you'll be looking to find one that you can trust and feel at ease with, and at the same time check out the options they can provide.

Financial Advisor Hersham Surrey (KT12)

There are two principal kinds of financial advisor in Hersham; independent financial advisors (IFA) and restricted advisors. Offering a broader range of options, an IFA will not be limited to just one company's services or products. Independent financial advice must encompass the entire spectrum of financial companies and products, and should be given in an unbiased way. This will permit you to pick from the broadest range of services to suit your needs. A restricted advisor could be focused on an individual product, such as a mortgage advisor, or be limited to products and services from a particular firm.

Before taking you on as a client, any financial advisor in Hersham must tell you about their charges, as required by the Financial Conduct Authority. You could be charged a set fee, by the hour or even a proportion of your investment value, in accordance with product you're looking for. You may be offered the chance of a free first consultation to enable you to discuss your goals and see if the advisor is the correct fit for your situation. If you go with one of the larger Hersham companies, your account may be handled by a team of advisors rather than just one individual.

Financial Advisors Hersham UK (01932)

Before any actual financial advice is given you will be required to fill out a confidential disclosure document, called a "Fact Find" form, which tells the advising company about your financial situation and objectives. To provide information about the financial advisor, their situation for offering restricted or independent advice and their scope of permissions in the financial market, you'll also be given an Initial Disclosure Document, or Key Facts Document. This document should also set down your rights and the possible options you can take if you are not happy with the service provided, and wish to make a complaint. It should be written in plain English and outline what you are committing yourself to, and any possible benefits and risks that exist should you choose to take the advice offered. The level of cooling-off period should also be explained in this Key Facts Document. This allows you to cancel the agreement within a certain number of days, and whenever any penalties have to be paid.

You'll want to check the experience and qualifications of the financial advisor when you first talk to them. You shouldn't be self-conscious about asking such questions, after all you are on the verge of entrusting your financial future to their expertise. All financial advisors in Hersham must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. When checking the Financial Services Register, you should not freak out if your advisor's name doesn't show up on there; you will probably locate the company name, and that means the legislation covers all of their staff. The person can still offer financial guidance as opposed to advice, if these can't be presented. In terms of finance guidance is different to advice and isn't regulated. Therefore there's no recourse for either party if mistakes occur.

Financial Advisor Quotes in Hersham Surrey

If it's investments that you're interested in, your advisor will need to know the level of risk you are ready to take with your hard-earned cash. Better rewards may be possible with higher risk investments, however you may also lose all or some of your capital. Good quality financial and investment advice will take you savings aims into consideration, i.e. how quickly you need to access your money, how much you have to invest and long or short term investments. You must always ask yourself the one important question, how much money can you afford to lose. This is referred to as your capacity for loss and could influence the services and products that may be offered to you.

Financial Advice Near Hersham Surrey

If you've already got any current investments, savings, mortgages or regular payments, you have to let your financial advisor know about these. They will need this information, so that they can get a clear picture of your financial situation and give the correct advice for you. The diversification of your savings and investments by spreading the risk load across various different products, is an essential part of reliable 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 situation and goals.

Your financial advisor will communicate in as plain a speech as possible, while revealing the complex world of finance. This will permit you to compare services and products that match your needs, and make an informed decision. If environmental issues are important to you, you could ask that ethical investment and savings schemes take precedence. You will then be able to stay clear of companies that businesses meet your standards, but instead lend your support to those enterprises and companies that match your concerns, for instance zero carbon or green energy.

Working together with your financial advisor in Hersham can be challenging to fit in around work and other obligations. To enable you to seek advice at a time to suit you, one-on-one appointments can be backed up with phone calls and video conferencing. Any professional financial advice provider in Hersham will have strict measures in force to keep your details confidential and secure, even if you hardly ever have a face-to-face meeting with your advisor, because home and remote working is now so common.


Investments can be a volatile 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 very frustrating and worrying. Your investment having a downward trend is not seen as a grounds for complaint, unless your advisor has given you misleading or wrong information.

Independent Financial Advisor Near Hersham (KT12)

The firm's complaints procedure should be the kick off point for any disputes, and the Key Facts Document will discuss this. If the financial advisor is a member of the Financial Conduct Authority, you can inform the Financial Ombudsman of the issue if it remains unsolved within the time set out by the regulating body.

The Financial Ombudsman will come to a decision after reviewing the cause for complaint independently. A decision will be made on how to rectify or financially compensate the customer, if the complaint is upheld. The financial advisor and their firm must abide by any ruling that is made by the Ombudsman, which becomes legally binding once the customer has accepted it. Any distress, inconvenience, trouble and annoyance caused to the customer during the situation, will be taken into account when the Ombudsman fixes the level of compensation.

Book a Financial Advisor in Hersham UK

Financial advice can be provided in Hersham and also nearby in: Fairmile, Shepperton, Cobham, Sunbury, Walton-on-Thames, Teddington, West End, Wisley, Ashley Park, Byfleet, Addlestone, Claremont Park, Rydens, West Molesey, Weybridge, Hampton, Esher, as well as in these postcodes KT12 4QY, KT12 4ET, KT12 4EW, KT12 4AQ, KT12 4HH, KT12 4BH, KT12 4PR, KT12 4ND, KT12 4PH, KT12 4NU. Locally based Hersham financial advisors will likely have the dialling code 01932 and the postcode KT12. Verifying this will ensure that you're accessing locally based financial advisers. Hersham home and business owners can benefit from these and many other comparable services.

Pension Planning

To ensure a secure retirement, pension planning becomes essential. By engaging a financial advisor's services, one can witness a notable enhancement of this process. An experienced advisor, understanding your retirement objectives, will assess your current financial situation and design a personalised pension solution. They navigate the complexities of UK pension choices, such as the State Pension, workplace pensions, and SIPPs. By leveraging their expertise, you can make informed decisions about investment choices, tax implications and contributions. Ensuring that you create a solid pension plan, providing peace of mind and financial stability for your future, is achieved by working with a financial advisor in Hersham.

The State Pension is the cornerstone of UK pension planning, as it provides a standard level of retirement income that is backed by the government. The State Pension is normally only available to those who have made enough National Insurance contributions over their working life. Understanding the intricacies of the State Pension scheme is more important than ever before, because of changes to the number of qualifying years and the State Pension age. (42316)

Hersham Financial Advice Services

Financial Advice Tasks Hersham

There are a whole host of services which can be provided by your local Hersham financial advisor including wealth management, money planning, annuities, personal pensions, offshore investments in Hersham, personal financial planning in Hersham, unit trusts, retirement plans Hersham, financial services, pension reviews, ethical investments, savings advice Hersham, ISA's in Hersham, inheritance tax planning in Hersham, death benefit advice in Hersham, pension transfer advice, financial planning Hersham, family income benefit, cashflow analysis, cash flow modelling Hersham, investing an inheritance, mortgage services in Hersham, pension advice, equity release Hersham, trusts in Hersham, mutual funds, business protection, will writing services, corporate bonds, pensions in divorce, and lots more. These are just a selection of the duties that can be accomplished by a financial advisor. Hersham professionals will keep you informed about their whole range of financial services.


Financial Advisors Near Hersham

Also find: Fairmile financial advisors, Claremont Park financial advisors, Oatlands financial advisors, Whiteley Village financial advisors, Sunbury financial advisors, Ashley Park financial advisors, Wisley financial advisors, Hampton financial advisors, Rydens financial advisors, West End financial advisors, Lower Green financial advisors and more. Anybody who is looking for financial advice, will find that these services are readily available in just about all of these places. Householders in these localities can make enquiries about financial advice by going here.

Hersham Financial Advice Services

Find a Financial Advisor in Hersham Here
Financial Advice Enquiries in Hersham Surrey (01932)
  • Hersham Life Insurance Advice
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  • Hersham Investment Advice
  • Hersham Pension Advice
  • Hersham Trustee Investments
  • Hersham Cashflow Analysis
  • Hersham Estate Planning

For the latest local information about Hersham, Surrey check here

Independent financial advisor in KT12 area, 01932.

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(This financial advisor Hersham content was last updated on 20-02-2024)