Financial Advisor Horley

Horley Independent Financial Advice & Investment

Financial Advisor Horley Surrey (RH6): It can be a daunting experience trying to find a good independent financial advisor in the Horley area, in particular if it's the first time that you are seeking financial advice. Whether it's pensions, investments, mortgage or even insurance advice that you're searching for, there is one common rule for all professional financial advisors; they all have to follow Financial Conduct Authority regulations. The advantage of this is that if a financial advisor who is FCA registered gives you poor advice, and things go awry, you have guarantees, and are able to contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to get things put right.

Free Horley Financial Advisor Quotes

Friends and relatives recommendations can be a decent starting point in selecting a financial advisor in Horley, but bear in mind that their situation might be different to what you are looking for. Any advice they provide needs to be tailored to your unique situation, and not every financial advisor is suitable for everyone. To explore the options they're offering and find a financial advisor you feel comfortable with and can trust, it is a good idea to speak with at least 3 different firms, because after all selecting a financial advisor is a major decision.

Financial Advisor Horley Surrey (RH6)

When you're looking to pick a financial advisor in Horley, there are basically two principal types; independent financial advisors and restricted advisors. Offering a wide range of options, an IFA should not be restricted to a single provider's products and services. Independent financial advice should encompass the whole gamut of financial products and companies, and should be given in an unbiased way. This will permit you to pick from the widest possible range of services to meet your needs. A restricted financial advisor may be involved with a single product, as with a mortgage advisor, or be limited to services and products from a single provider.

Before accepting you as a client, any Horley financial advisor must tell you about their charges, as required by the FCA. Depending on the type of product you require, you could be charged by the hour, a set fee or even a percentage of your investment. A free initial consultation will sometimes be offered, so that you can discuss your goals and circumstances to find out if the advisor is the right fit. If you go to one of the bigger Horley firms, your account might be handled by a team of advisors rather than a single person.

Financial Advisors Horley UK (01293)

You'll need to complete a "Fact Find" form, which is a confidential disclosure document relating your objectives and financial situation to the advising firm. An Initial Disclosure Document, or Key Facts Document will also be given to you, providing details of the financial advisors themselves, explaining their scope of permissions in the financial sector and their situation for offering restricted or independent advice. If you aren't satisfied with the service provided, and wish to complain, this document should also lay down your rights and your options. It must be simple to understand, written in plain English, and outline exactly what you're signing up for, along with the risks and benefits of taking the proffered advice. The Key Facts Document will also inform you of the allowed cooling-off period. This makes it possible for you to cancel the contract with your financial advisor within a specific period of time, and if any penalties have to be paid.

When talking with the financial advisor initially you'll want to check their experience and qualifications. After all you are about to entrust your long-term financial wellbeing to their expertise, so you must not be self-conscious about asking these questions. Every Horley financial advisor must be able to present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. You shouldn't stress if your financial advisor's name doesn't appear on the Financial Services Register, so long as the company is on the register, their personnel will be covered by the legislation. If they are not able to provide this evidence, the individual can't offer advice but is allowed to offer financial guidance. Guidance isn't subject to regulations in the way that financial advice is, meaning that if mistakes are made neither party will have any recourse.

Financial Advisor Quotes in Horley Surrey

If it's investing money that you're interested in, the advisor will enquire about the level of risk you might be prepared to accept with your hard-earned money. Many investments carry some degree of risk, but high risk investments may offer higher rewards, but also more chance of losing some or all of your cash. Your savings aims must be carefully considered if the best financial and investment advice is to be given, i.e. how much you wish to invest, short or long term investments and how rapidly you need to access your funds. You should invariably ask yourself the one important question, how much can you actually afford to lose. This may affect the products and services that you're offered, and is known as your 'capacity for loss'.

Financial Advice Near Horley Surrey

You'll want to tell your financial advisor about your current savings accounts, mortgage loans, regular payments or investments. They'll need to know this, so they can get a picture of your financial situation and give the best advice for you. Spreading the risk load across various products by diversifying your investments and savings, is something that sound financial advice should encompass. So as to reflect your financial circumstances and your goals, a seasoned financial advisor in Horley will be aware of the best areas to consider.

Your financial advisor will attempt to communicate in the clearest possible way, to lay bare the multifaceted world of finance. This will enable you to compare products and services which match your needs, and make an informed decision. You can ask your financial advisor to only include ethical savings and investment schemes. This doesn't just give you investment possibilities, but also allows you to support zero carbon or green energy projects, and steer clear of those that don't share the same values as you do.

Establishing a close working relationship with a financial advisor in Horley could create problems with work and other obligations. This can be alleviated by augmenting face-to-face appointments with video conferencing and phone calls, thus allowing you to seek the guidance you need at times that are convenient. An established financial advice provider in Horley will have stringent measures in force to ensure your details are kept confidential and secure, even if you hardly ever have a one-to-one 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 isn't making the amount of money you were hoping for, it can be quite demoralising and stressful. A downward spiral in your investment isn't a recognised grounds for complaint, unless your advisor has supplied you with incorrect or misleading information.

Independent Financial Advisor Near Horley (RH6)

The company's official complaints procedure should be the kick off point for any grievances, and the Key Facts Document will explain this. You can let the Financial Ombudsman know about the problem if it is unsolved within the period set by the regulating authority, and your financial advisor is a member of the Financial Conduct Authority.

The Financial Ombudsman will come to a decision after reviewing the cause of the complaint independently. If the complaint is justified, a decision will be made on how to rectify the situation or financially compensate the client. On acceptance by the customer, the ruling will become legally binding, and the advisor and their firm must comply with it. Any upset, inconvenience, distress and hassle caused to the client during the process, will be accounted for when the Financial Ombudsman sets the level of compensation.

Book a Financial Advisor in Horley UK

Financial advice can be provided in Horley and also in nearby places like: Horne, Newchapel, Salfords, Sidlow, Norwood Hill, Shipley Bridge, Burstow, South Nutfield, Felbridge, Smallfield, Leigh, Charlwood, Redhill, Newdigate, Blindley Heath, Crawley, as well as in these postcodes RH6 0HQ, RH6 0JE, RH6 7AN, RH6 0NQ, RH6 7DN, RH6 6AT, RH6 0LP, RH6 0AT, RH6 6AY, RH6 0AU. Locally based Horley financial advisors will most likely have the dialling code 01293 and the postcode RH6. Checking this out can make certain that you are accessing locally based financial advisers. Horley home and business owners are able to utilise these and various other finance related services.

Pension Planning

A secure retirement necessitates pension planning as a vital step. This process can be significantly improved by enlisting the services of a financial advisor. Assessing your current financial situation and understanding your retirement goals, a qualified advisor will design a customised pension plan. They navigate the intricacies of the UK's pension options, such as workplace pensions, the State Pension, and SIPPs. To make informed decisions about investment choices, contributions and tax implications, you can leverage their expertise. Working with a financial advisor in Horley ensures that you create a robust pension plan, providing peace of mind and financial stability for your future.

UK pension planning is heavily reliant on the State Pension, because it is the only guaranteed source of retirement income for many people. Eligibility for the State Pension is normally based on a person's National Insurance record, which is built up over their working life. The importance of understanding the complexities of the State Pension scheme has increased, due to changes to the State Pension age and the number of qualifying years. (42316)

Horley Financial Advice Services

Financial Advice Tasks Horley

There are a wide range of services that are provided by your local Horley financial advisor including pension drawdowns Horley, money planning, mortgage financial planning, financial analyst services, ethical investments, death benefit advice in Horley, pension consolidation advice, income protection advice in Horley, personal protection Horley, pension reviews, general financial planning, trustee investment services in Horley, financial planning, business protection, will writing services, pension transfers in Horley, annuities Horley, savings advice, investment plans, family income benefit, long term care fee planning in Horley, cheap financial advice Horley, familt controlled trusts, annuity purchases Horley, business financial planning Horley, wealth management & investments in Horley, investment consolidation advice Horley, cashflow planning, retirement plans in Horley, inheritance tax planning, and lots more. Listed are just some of the tasks that can be carried out by a financial advisor. Horley professionals will inform you of their full range of services.

The Necessary Skills to be Financial Advisors

  • Good verbal communication skills.
  • A thorough understanding and knowledge of economics and accounting associated with financial products and markets.
  • To have a flexible approach to work.
  • A competent level of maths knowledge for building financial packages.
  • To be good at selling financial services and products.
  • To pay attention to detail and be thorough.
  • To be able to network and establish relationships with clients.
  • Excellent management skills for negotiating product fees.
  • To have good IT skills.
  • Excellent customer service skills for identifying customer requirements and needs.
  • Attentive interpersonal and listening skills.

Financial Advisors Near Horley

Also find: South Nutfield financial advisors, Salfords financial advisors, Sidlow financial advisors, Burstow financial advisors, Smallfield financial advisors, Blindley Heath financial advisors, Newchapel financial advisors, Felbridge financial advisors, Newdigate financial advisors, Norwood Hill financial advisors, Charlwood financial advisors, Horne financial advisors and more. Those who are hunting for financial advice, will find that these services are available in most of these localities. Home and property owners in the area can make enquiries about financial advice by clicking here.

Horley Financial Advice Services

Find a Financial Advisor in Horley Here
Financial Advice Enquiries in Horley Surrey (01293)
  • Horley Tax Advice
  • Horley Pension Advice
  • Horley Cheap Financial Advice
  • Horley Financial Services
  • Horley Corporate Financial Advice
  • Horley Cashflow Analysis
  • Horley Estate Planning
  • Horley Trustee Investments
  • Horley Mortgage Advice
  • Horley Life Insurance Advice
  • Horley Independent Financial Advice
  • Horley Investment Advice
  • Horley Retirement Planning
  • Horley Financial Advice Quotations

More Horley Services: Obviously, when you happen to be looking at your finances in Horley, Surrey, you'll likely need all types of different services and aside from a financial advisor in Horley, Surrey, you might additionally need accountants in Horley, family lawyers in Horley, tax preparation in Horley, payroll services in Horley, banruptcy lawyers in Horley, wills in Horley, business consulting in Horley, solicitors in Horley, mortgage brokers in Horley, investment advisors in Horley, debt recovery & collection in Horley, contracts lawyers in Horley, bookkeeping in Horley, mortgage advice in Horley, estate planning in Horley, property law & conveyancing in Horley, business financial planning in Horley, and other different Horley experts.

Financial Advisor Jobs Horley: Find financial advisor jobs in Horley by clicking here: Horley Financial Advisor Jobs

If you want local Horley information click here

Independent financial advisor in RH6 area, 01293.

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(This financial advisor Horley article was reviewed and updated on 20-02-2024)