Financial Advisor Horndean Hampshire (PO8): If you're seeking financial advice for the very first time, trying to locate a first-rate independent financial advisor in Horndean can be an intimidating experience. Whether you're searching for pension, investments, mortgage or even insurance advice, all financial advisors are bound by one simple rule; they all have to stick to the regulations of the FCA (Financial Conduct Authority). Any advice given from a FCA approved financial advisor in Horndean comes with certain guarantees that if things go wrong, you can get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme.
When choosing a financial advisor in Horndean, a decent starting point could be neighbours and friends, however you must remember that your situation might not be the same as theirs, and you may need a different kind of advice. Every financial advisor is not suitable for everyone, and any advice they provide needs to be adapted to your specific situation. It is a good idea to chat to at least three different firms when you're selecting a financial advisor, as this is a major decision, and you will be looking to find one that you feel comfortable with and can trust, and also investigate the various options they offer.
There are 2 main types of financial advisor in Horndean; independent financial advisors and restricted advisors. An IFA will not be restricted to just one provider's products or services. Independent financial advice should encompass the entire gamut of financial companies and products, and should be given in an unbiased way. If you opt to use an IFA, you will be able to choose from the widest possible range of services, in order to find the perfect solution for your needs. If you go to a restricted financial advisor you will find that they could be limited to products and services of a single firm, or as in the case of a mortgage advisor, may only be focused on one individual product.
The FCA requires that any Horndean financial advisor must tell you about their charges, before accepting you as a client. You may be charged by the hour, a set fee or even a proportion of your investment, in accordance with type of service you are looking for. You might be offered a free preliminary consultation to allow you to discuss your objectives and determine whether the advisor is the correct fit for your circumstances. In some bigger Horndean companies, you may find that your account is being managed by a team rather than an individual advisor.
You'll be required to complete a "Fact Find" form, which is a confidential disclosure document relating your desired goals and financial situation to the advising firm. You will also be handed a Key Facts Document, or Initial Disclosure Document, which provides you with information about the financial advisor, their status to offer restricted or independent advice and the extent of their permissions in the financial arena. If you are not satisfied with the service, and wish to make a complaint, this document will also lay out your legal rights and the options you can take. It should describe what you are committing yourself to, and any potential risks and benefits that exist should you opt to accept the advice offered, and it has to be laid out in plain language. You can find the level of cooling-off period in this document. Within a certain period of time, this permits you to cancel your contract.
Ensure that you check what experience and qualifications the financial advisor has the first time you talk to them. After all you're just about to entrust your long-term financial wellbeing to their skill, so you shouldn't be self-conscious about asking these questions. All Horndean financial advisors must hold at least a Level 4 qualification and be able to present an annual Statement of Professional Standing. When checking the Financial Services Register, you should not panic if your particular advisor's name doesn't show up on there; you should be able to locate the company name, and that means the legislation covers all of their personnel. If these can't be provided the person may still offer financial guidance as opposed to advice. Guidance differs to advice as it isn't regulated in the same way, and if financial mistakes are made there will probably be no recourse to the client.
You will be asked about the level of risk you're willing to take on, if you are seeking advice on investments. Higher risk investments could potentially offer substantial rewards, but some or all of your cash could be lost. Your savings goals must be considered if decent financial and investment advice is to be given, i.e. short or long term investments, how much cash you want to invest and how rapidly you need access to your funds. You should always ask yourself the one vital question, how much can you afford to lose. This could influence the products and services that you are offered, and is known as your capacity for loss.
You will need to tell your financial advisor about any existing regular outgoings, investments, mortgages or savings accounts. This gives a clear picture of your financial circumstances, without which the advice you get may not be the most appropriate for you. Diversifying your investments and savings by spreading the risk load across a range of different products, is an important part of sound financial advice. In order to reflect your goals and financial situation, a competent financial advisor in Horndean will have the knowledge of the best products to consider.
Communicating in the plainest speech possible, your financial advisor will unmask the complex world of investment and finance. After learning about the various services and products that match your needs, you should be able to make an informed and considered decision. If you're mind is firmly on the environment, you can even ask your advisor to stick to ethical investments and savings. This not only provides you with investment possibilities, but also enables you to support zero carbon or renewable energy projects, and avoid those that do not share the same values as you do.
Having a close working relationship with a financial advisor in Horndean could cause complications with your work day and other obligations. To allow you to get advice at a time to suit you, face-to-face appointments can be complemented with telephone and video conferencing. Any professional financial advice provider in Horndean will have stringent measures in place to ensure your details are kept secure and confidential, even if you rarely have a face-to-face meeting with your personal advisor, because remote and home working is now so common.
You must understand that the financial world is an unpredictable sector, and the value of your investments could just as easily go down as well as up. If it just so happens that your investment isn't making the amount of money you were hoping for, it can be an extremely frustrating and worrying time. However, unless it is down to misleading or incorrect information from your advisor a downward trend in your investment is not a recognised basis for complaint.
As detailed in the Key Facts Document, any grievances should start out with the company's official complaints procedure. If the financial advisor is a member of the Financial Conduct Authority, you can let the Financial Ombudsman know about the problem if it is unsolved within the time schedule set by the regulating body.
After looking into the cause for complaint, the Financial Ombudsman will come to a decision on the issue. If it is established that the complaint is justified, a decision will be made on how the client can be compensated or the situation rectified. On acceptance by the customer, the ruling becomes legally binding, and the financial advisor and their firm must abide by it. Any compensation as set out by the Ombudsman will also take into account any distress, inconvenience, hassle and upset caused to the client during the process.
Financial advice can be provided in Horndean and also in nearby places like: Leigh Park, Clanfield, Cowplain, North Boarhunt, Rowlands Castle, Droxford, Hambledon, Petersfield, Catherington, East Meon, Denmead, Purbrook, Buriton, Southwick, Soberton, Waterlooville, Compton, together with these postcodes PO8 9PA, PO8 0TU, PO8 0QW, PO8 9QF, PO8 9TT, PO8 0TN, PO8 9WJ, PO8 0SJ, PO7 6HZ, PO8 0TQ. Local Horndean financial advisors will most likely have the postcode PO8 and the phone code 023. Click on the "enquiry" form or banner to get info on financial advisors in your area.
Hampshire Financial Advice Enquiries
Recent Hampshire financial advice enquiries: Jasper Bowers and Sienna Bowers from Medstead recently enquired about investment bonds. Jan and Khadija Storey from Chilbolton, Hampshire recently asked for information on financial planning. Bernard Steere from Clanfield recently asked for information on pensions. Harri Street from Upper Clatford, Hampshire recently enquired about offshore investments. Olivia-Grace George from Froxfield recently asked for information on family income benefit. Ayat and Rishi Linley from Over Wallop, Hampshire recently enquired about equity release. Francesco Sharma from Drayton, Hampshire recently enquired about pension advice. Shea Fallows from Durley, Hampshire recently asked for information on financial planning.
Horndean Financial Advice Services
There is a wide range of services that can be provided by your local Horndean financial advisor including corporate financial planning, life insurance, pension consolidation Horndean, life assurance advice, portfolio management, income protection advice, cash flow modelling Horndean, mortgage financial planning, inheritance tax planning Horndean, trustee investment services in Horndean, investment planning, pension advice Horndean, personal financial planning, pension planning, general financial planning, business planning, trusts, financial services, annuity purchase in Horndean, pension transfers, stakeholder pension advice Horndean, mutual funds, divorce planning in Horndean, equity release advice, financial analyst services in Horndean, and more.
Hampshire Financial Advisors
In the Hampshire area you will also discover: Micheldever investment advice, Fair Oak investment advice, Locks Heath financial advice, West End financial advisors, Netley Marsh financial advice, Blackfield financial advisors, Rowlands Castle financial advice, Sparsholt investment advice, Durley financial advice, Brockenhurst investment advice, South Wonston investment advisors, Colbury investment advice, Purbrook financial advisors, Medstead financial advisors, Colden Common investment advisors, Barton on Sea investment advice, Eversley investment advisors, Hawley investment advisors, Hambledon financial advice, Fair Oak financial advice, Whitchurch financial advice, Michelmersh financial advice, Micheldever investment advisors, Blackfield financial advice, Hayling Island investment advice, Pennington investment advice, South Wonston investment advice, Emsworth investment advisors, Bishops Waltham financial advisors, Medstead investment advice.
Financial Advisors Near Horndean
Also: Buriton financial advisors, Soberton financial advisors, Hambledon financial advisors, Petersfield financial advisors, Denmead financial advisors, Droxford financial advisors, North Boarhunt financial advisors, East Meon financial advisors, Southwick financial advisors, Rowlands Castle financial advisors, Compton financial advisors, Clanfield financial advisors, Cowplain financial advisors, Catherington financial advisors, Waterlooville financial advisors, Purbrook financial advisors, Leigh Park and more.
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Financial Advisors Around Horndean: Financial advice has recently been provided in these Horndean roads and areas - Beech Way, Bentley Close, Dell Piece West, Whitebeam Close, New Road, Cross Lane, Holly Bank Close, Ham Lane, Wentworth Drive, Briarfield Gardens, Woodland View, Quail Way, Drift Road, Walden Gardens, Benbow Close, The Yews, Wrexham Grove, Glamorgan Road, Keydell Avenue, Pump Lane, St Michaels Way, Acacia Gardens, Kilderkin Drive, Five Heads Road, Jay Close, Loxwood Road, Parklands Avenue, Verbena Crescent, as well as the following Horndean area postcodes: PO8 9PA, PO8 0TU, PO8 0QW, PO8 9QF, PO8 9TT, PO8 0TN, PO8 9WJ, PO8 0SJ, PO7 6HZ, PO8 0TQ.
More Hampshire Financial Advisors: More Stubbington, Andover, Fareham, Farnborough, Alton, Basingstoke, New Milton, Horndean, Emsworth, Totton, Fleet, Gosport, Southsea, Hedge End, Winchester, Aldershot, Yateley, Southampton, Portsmouth, Hythe, Havant, Waterlooville and Eastleigh.:
If you would like to get local info on Horndean, Hampshire go here
Independent financial advisor in PO8 area, (dialling code 023).
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