Financial Advisor High Wycombe Buckinghamshire (HP10): If you're in search of financial advice for the first time, trying to locate a decent financial advisor advisor in the High Wycombe area can be a daunting experience. Whether you're looking for pension, mortgage, investments or even insurance guidance, all financial advisors are bound by one common rule; they all have to follow the regulations laid down by the Financial Conduct Authority. This comes with some guarantees, so after getting advice from a FCA approved financial advisor in High Wycombe, you can seek reparation from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if if things go wrong.
When selecting a financial advisor in High Wycombe, a good place to start could be family and friends, but you must bear in mind that your circumstances might not be the same as theirs, and you might be in need of a different type of advice. Not every financial advisor is suitable for everybody, and their advice should be personalised to your unique circumstances. To check out the options that they are offering and find a financial advisor that you feel comfortable with and can trust, it is a good idea to chat to at least three different companies, because choosing a financial advisor is an important decision.
There are 2 main kinds of financial advisor in High Wycombe; restricted advisors and independent financial advisors (IFA). An independent financial advisor will not be confined to a single company's services or products. Independent financial advice should cover the full spectrum of financial products and companies, and should be offered in an unbiased way. This will enable you to choose from the broadest range of products to match your needs. If you use a restricted advisor you will find that they may be restricted to services and products of a specific firm, or as in the case of a mortgage advisor, may only be involved with one product.
Before taking you on as a client, any financial advisor in High Wycombe must fully discuss their charges with you, as demanded by the FCA. You might be charged by the hour, a set fee or possibly even a proportion of your investment value, dependant upon kind of services you are looking for. To allow you to discuss your goals and find out if the advisor is the proper choice for you and your situation, you could be offered the chance of a free initial consultation. If you go with one of the larger High Wycombe companies, your account may be managed by a team of advisors rather than one individual.
To summarise your financial situation and desired goals to the advising firm, you'll be asked to complete a "Fact Find" document, which is a confidential disclosure form. You will also be handed a Key Facts or Initial Disclosure Document, which gives you information on the financial advisor, their status to offer independent or restricted advice and their scope of permissions in the financial market. Your legal rights should also be set out in this document, in addition to your options if you want to make a complaint because you're not satisfied with the service you're given. It should describe precisely what you're signing up for, and any potential benefits and risks that exist should you elect to accept the advice offered, and it must be written in clear language. The Key Facts Document will also inform you about the allowed cooling-off period. Within a certain number of days, this permits you to cancel your agreement with the financial advisor.
You should check what qualifications and experience the financial advisor has when you first speak to them. After all you're about to entrust your financial future to their expertise, so you should not be self-conscious about asking these questions. All High Wycombe financial advisors must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. If your advisor's name doesn't show up on the Financial Services Register, you should not stress, the company the person works for should be found on the register and their advisors are all covered by the regulations. If they're unable to provide these accreditations, the individual cannot offer advice but is able to offer financial guidance. Guidance is somewhat different to advice as it's not regulated in the same way, and if errors are made there will probably be no recourse to either party.
If it is investing money that you're interested in, the advisor will need to know the amount of risk you are willing to take with your hard-earned money. Substantial rewards might be possible with high risk investments, however you may also lose all or some of your capital. In order to get the most effective financial and investment advice, your savings goals must be carefully considered, i.e. short or long term investments, how much cash you want to invest and how rapidly you need access to your funds. The one question that you should ask of yourself, which is normally overlooked, is just how much you can really afford to lose. Generally known as your capacity for loss, this will most likely have an effect on products and services that you're offered.
Right from the start, it's important to tell your financial advisor about any existing savings accounts, mortgage loans, investments or regular outgoing payments that you currently have. They'll need these details, so they can get a picture of your financial circumstances and give the appropriate advice for your needs. Spreading the risk load across various products by diversifying your savings and investments, is something that sound financial advice should encompass. Having a knowledge of the best areas to consider, an experienced financial advisor will concentrate on products that most closely fit in with your financial circumstances and goals.
Communicating in the clearest possible way, your financial advisor will unveil the multifaceted world of investment and finance. You should be able to come to an informed and educated decision once you have learned about the various services and products that meet your needs. If you are mind is firmly on the environment, you can perhaps ask your financial advisor to stick to ethical savings and investments. You will then be able to stay away from businesses that investments meet your requirements, and instead lend your support to those organisations and firms that match your concerns, for instance zero carbon or renewable energy.
It could prove tricky to manage your work day and other commitments around working closely with your financial advisor in High Wycombe. One-on-one meetings can be complemented with video conferencing and telephone to enable you to seek advice at a time to suit you. An experienced financial advice provider in High Wycombe will have strict measures in force to keep your details confidential and secure, even if you rarely have a one-to-one meeting with your personal advisor, because remote and home working is now so common.
Investments can go down as well as up, because the financial world can be a volatile one. If it just so happens that your investment is not making as much money as you were hoping for, it can be a very frustrating and worrying time. Unfortunately, a downward spiraling of your investment is not seen as a cause for complaint, except if it's due to misleading or wrong information from your financial advisor.
As detailed in the Key Facts Document, any complaints should start out with the company's complaints procedure. If the problem remains unresolved within the time-frame set out by the regulating body, and the advisor is a member of the Financial Conduct Authority, you can get in touch with the Financial Ombudsman.
After looking into the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. If the complaint is upheld, a decision is made on how to financially compensate the customer. Once the ruling has been accepted by the client it becomes a legally binding decision which the financial advisor and their company, must abide by. Any compensation set by the Ombudsman will also take into consideration any distress, trouble, upset and inconvenience caused to the client during the dispute.
Financial advice can be provided in High Wycombe and also in nearby places like: West Wycombe, Holmer Green, Micklefield, Stokenchurch, Handy Cross, Wooburn Green, Loudwater, Hazlemere, Sands, Bolter End, Lane End, Hughenden, Piddington, Flackwell Heath, Four Ashes, Wycombe Marsh, Terriers, Plomers Hill, Bradenham, Booker, Beacon Hill, Downley, Walters Ash, Totteridge, Kingswood Park, and in these postcodes HP11 1ET, HP11 1DY, HP10 8XJ, HP11 1EB, HP11 1DL, HP11 1EF, HP10 8WU, HP11 1JP, HP10 9XX, HP11 1FB. Local High Wycombe financial advisors will probably have the telephone code 01494 and the postcode HP10. Click the "enquiry" banner to get information on financial advisors in your location.
Financial Advisors Buckinghamshire
Around Buckinghamshire you can additionally get: Denham Green investment advice, Penn investment advice, Taplow financial advice, Waddesdon investment advisors, Sherington financial advice, Penn investment advisors, Longwick financial advisors, Wing financial advisors, Calvert investment advice, Great Brickhill investment advice, Farnham Royal investment advisors, Lacey Green financial advice, West Wycombe financial advice, Lavendon financial advisors, Oakley investment advice, Great Marlow financial advisors, Long Crendon investment advice, Stokenchurch financial advisors, Wing financial advice, Cheddington financial advice, Wendover investment advisors, Wingrave investment advisors, Sherington financial advisors, Waddesdon investment advice, Stoke Mandeville investment advisors, Bradwell investment advisors, Stoke Hammond investment advisors, Great Brickhill financial advice.
Regular Duties for a Financial Advisor
- Providing education, counselling and consultation with regards to finances and investments.
- Keeping fully up to date with new products and regulation changes.
- Chatting with customers regarding their finances and plans.
- Keeping detailed records of customers and transactions.
- Working with peers to obtain statistics, trends and market information.
- Making advantageous deals with with financial product providers.
- Updating customers concerning their investments.
- Producing financial reports.
- Researching financial products and explaining them simply and clearly to customers.
- Meeting targets for sales and performance.
High Wycombe Financial Advice Services
There are a wide range of services that can be provided by your local High Wycombe financial advisor including trustee investment services, corporate financial planning, pension consolidation advice, life assurance in High Wycombe, pension reviews High Wycombe, ISA's in High Wycombe, family income benefit in High Wycombe, retirement advice High Wycombe, mutual funds High Wycombe, investment bonds in High Wycombe, inheritance tax planning, personal financial planning in High Wycombe, general financial planning in High Wycombe, trusts, stakeholder pension advice, life insurances in High Wycombe, will writing services High Wycombe, mortgage services, tax financial planning, corporate bonds in High Wycombe, financial analyst services in High Wycombe, financial planning in High Wycombe, investment planning, ethical investment advice High Wycombe, portfolio management, and more.
Skills Needed to be a Financial Advisor
- Effective customer service skills for identifying customer requirements and needs.
- To pay attention to detail and be thorough.
- To have good time management skills.
- To be good at selling financial services and products.
- To have the ability to network and establish relationships with clients.
- Excellent management skills for the negotiation of product prices.
- A competent level of numeracy for producing financial packages.
- Good verbal communication skills.
- To be able to competently use a computer and the appropriate software applications.
- To have active listening skills.
- A good understanding of accounting and economics with regard to financial products and markets.
Financial Advisors Near High Wycombe
Also: Bradenham financial advisors, Totteridge financial advisors, Loudwater financial advisors, Lane End financial advisors, Booker financial advisors, Stokenchurch financial advisors, Walters Ash financial advisors, Hughenden financial advisors, Hazlemere financial advisors, Sands financial advisors, Beacon Hill financial advisors, Four Ashes financial advisors, Plomers Hill financial advisors, Downley financial advisors, West Wycombe financial advisors, Bolter End financial advisors, Handy Cross financial advisors, Micklefield financial advisors, Piddington financial advisors, Terriers financial advisors, Flackwell Heath financial advisors, Wycombe Marsh financial advisors, Kingswood Park financial advisors, Holmer Green financial advisors, Wooburn Green and more.
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Financial Advisors Around High Wycombe: Some High Wycombe areas and streets where financial advice has recently been given - Totteridge Common Cotts, Chadwick Street, The Warren, Baronsmead Road, St Margarets Grove, Badger Way, Barracks Road, The Homestead, Bassetsbury Lane, School Way, Bradenham Beeches, Tennyson Road, Stag Lane, Brookfield Road, The Pines, Cater Road, Cresswell Way, Birchwood Chase, Bolter End Lane, The Pastures, Trees Avenue, Cricket Ground, Brambleside, Carisbrooke Avenue, Barton Way, Tudor Mill, Southfield Drive, Cowslip Road, South Drive, as well as these local High Wycombe postcodes: HP11 1ET, HP11 1DY, HP10 8XJ, HP11 1EB, HP11 1DL, HP11 1EF, HP10 8WU, HP11 1JP, HP10 9XX, HP11 1FB.
High Wycombe Bucks (Buckinghamshire): The large town of High Wycombe is located in the county of Buckinghamshire in the South Eastern area of Great Britain. High Wycombe is roughly 15 miles from Aylesbury and 5 miles from Marlow, places nearby include Handy Cross, Sands, Flackwell Heath, Loudwater, Piddington, Hughenden, Stokenchurch and Hazlemere. High Wycombe is in the postcode district HP10 to HP15, has a population of approximately 125,000 and has the dialling code 01494. High Wycombe is the second largest settlement in Bucks. (Tags: High Wycombe Buckinghamshire, High Wycombe United Kingdom, High Wycombe England, High Wycombe Bucks)
More Buckinghamshire Financial Advisors: More High Wycombe, Chesham, Chalfont St Peter, Newport Pagnell, Beaconsfield, Bletchley, Amersham, Aylesbury, Milton Keynes, Princes Risborough, Buckingham and Marlow.:
Financial Advisor Jobs High Wycombe: View financial adviser jobs near High Wycombe by going here: Financial Advisor Jobs High Wycombe
Independent financial advisor in HP10 area, (dialling code 01494).
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