Financial Advisor Kelso

Kelso Independent Financial Advice & Investment

Financial Advisor Kelso Scotland (TD5): It can be an intimidating experience trying to locate a first-rate financial advisor advisor in the Kelso area, in particular if it's the very first time that you're in search of financial advice. Whether you're searching for mortgage, pension, investments or even insurance advice, all qualified financial advisors have one thing in common; they all have to conform to the regulations of the Financial Conduct Authority (FCA). Any advice given from a FCA authorised financial advisor in Kelso comes with certain guarantees that if things go awry, you've got access to the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.

Free Kelso Financial Advisor Quotes

Friends and neighbours recommendations can be a decent starting place in choosing a financial advisor in Kelso, but remember that their circumstances could be different to what you're looking for. Not every financial advisor is suitable for everybody, and any advice they provide needs to be adapted to your specific circumstances. Choosing the right financial advisor is crucial and it is wise to talk with at least 3 different firms in order to investigate the various options they can offer, and to find one you can trust and feel comfortable with.

Financial Advisor Kelso Scotland (TD5)

Restricted advisors and independent financial advisors, are the 2 principal kinds of financial advisor in Kelso. Offering a wide range of options, an independent financial advisor will not be limited to the services and products of a single company. Independent financial advice must encompass the entire spectrum of financial products and companies, and must be given in an impartial way. This will enable you to select from the widest possible range of services to meet your needs. If you go to a restricted advisor you will find that they may be limited to products and services of one particular provider, or as with a mortgage advisor, will only be focused on one individual product.

Before any financial advisor accepts you as a client, they are required by the Financial Conduct Authority to tell you about their charges. You could be charged a set fee, by the hour or possibly even a specific percentage of your investment value, contingent on type of service you're looking for. A free initial consultation will sometimes be offered, so you can discuss your aims and circumstances to find out if the advisor is the right choice. If you use one of the larger Kelso firms, your account may be managed by a team of advisors rather than a single person.

Financial Advisors Kelso UK (01573)

Before any actual advice is given you'll be required to fill out a confidential disclosure form, known as a "Fact Find" document, which tells the advising company about your goals and financial situation. To provide information regarding the financial advisor, their status to offer independent or restricted advice and their range of permissions in the financial market, you'll also be given an Initial Disclosure, or Key Facts Document. Your own legal rights should also be spelled out in this document, together with the possible options you can take if you wish to complain because you're not satisfied with the service you are given. It has to be easily understood, written in layman's terms, and describe exactly what you're committing yourself to, along with the risks and benefits of going along with the advice. This document must also inform you of the cooling-off period. Within a certain period of time, this makes it possible for you to cancel your contract with the financial advisor.

When speaking with the financial advisor initially you'll want to check their qualifications and experience. You shouldn't be embarrassed about asking these questions, after all you're about to entrust your long-term financial wellbeing to their expertise. All Kelso financial advisors must hold at least a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. If the advisor's name doesn't appear on the Financial Services Register, you shouldn't freak out, the firm the advisor works for will almost certainly be on the register and their employees will be covered by the regulations. If these cannot be presented the person may still offer financial guidance rather than advice. In terms of finance guidance is somewhat different to advice and is not regulated in the same way. Therefore there's no recourse for either party if errors arise.

Financial Advisor Quotes in Kelso Scotland

If it's investments that you're interested in, your advisor will want to know the amount of risk you are ready to take with your hard-earned money. High risk investments may offer better rewards, however some or all of your cash could be lost. The best financial and investment advice will take into account your savings goals, i.e. how rapidly you need to access your funds, long or short term investments and how much you have to invest. You should invariably ask yourself the one crucial question, how much money can you actually afford to lose. Generally referred to as your 'capacity for loss', this will quite likely influence the services and products that you are offered.

Financial Advice Near Kelso Scotland

Right from the start, it is crucial that you let your financial advisor know about any existing regular outgoings, mortgage loans, savings or investments that you currently have. To ensure that you receive the most suitable advice for you, they need to have a full and clear picture of your financial situation. Diversifying your investments and savings by spreading the risk load across various products, is a crucial part of reliable financial advice. A competent financial advisor in Kelso will be aware of the best products to consider, which match your goals and your financial situation.

Your financial advisor will attempt to communicate in as plain a speech as possible, while opening up the multifaceted world of finance. This will help you to compare services and products that match your needs, and make an informed decision. You can ask your financial advisor only to include ethical investments and savings. This will allow you to support companies and businesses which match your concerns, i.e. renewable energy or zero carbon, or perhaps avoiding businesses that don't meet your standards.

Working alongside your financial advisor in Kelso can be difficult to manage around your work day and other commitments. One-on-one appointments can be supplemented with video conferencing and telephone to enable you to get advice at times that suit you. Working from home and remote working is now commonplace, and an experienced financial advice provider in Kelso will have rigorous measures in place to ensure your details are kept secure and confidential, even if you rarely have a face-to-face meeting with your advisor.


Investments can be an unpredictable area, and their values could go down as easily as they go up. If your investment isn't making as much money as you were hoping for, it can be incredibly disheartening and stressful. Regrettably, a downward trend in your investment is not seen as a grounds for complaint, unless of course it is owing to misleading or wrong information from your advisor.

Independent Financial Advisor Near Kelso (TD5)

As detailed in the Key Facts Document, any complaints should start with the firm's official complaints procedure. If the financial advisor is registered with the FCA, you can inform the Financial Ombudsman of the problem if it remains unsolved within the timeframe stipulated by the regulating body.

After independently reviewing the cause for complaint, the Financial Ombudsman will come to a decision on the issue. If it is found that the complaint is justified, a decision will be made on how the client can be compensated. This will become a legally binding decision as soon as it has been accepted by the customer, and the financial advisor and their firm must abide by the ruling. Any compensation laid down by the Financial Ombudsman will also take into consideration any distress, inconvenience, trouble and upset caused to the client during the dispute.

Book a Financial Advisor in Kelso UK

Financial advice can be provided in Kelso and also nearby in: Lauder, Fountainhall, Coldstream, Tweedbank, St Boswells, Stow, Newstead, Drygrange, Earlston, Galashiels, Maxwellheugh, Redpath, Leaderfoot, Melrose, Springwood Village, Norham, together with these postcodes TD5 7JW, TD5 7EQ, TD5 7EL, TD5 8BF, TD5 7PU, TD5 7HE, TD5 7LQ, TD5 7DF, TD5 7BY, TD5 7FB. Locally based Kelso financial advisers will most likely have the postcode TD5 and the telephone code 01573. Verifying this will guarantee you're accessing local financial advisers. Kelso householders will be able to utilise these and many other finance related services.

Kelso Financial Advice Services

Financial Advice Tasks Kelso

There are a wide range of services which can be provided by your local Kelso financial advisor including pension advice, pension consolidation in Kelso, income protection, retirement planning Kelso, personal financial planning in Kelso, portfolio management, personal protection, equity release advice, corporate financial planning in Kelso, wealth management & investments, pensions in divorce Kelso, personal pensions advice, pension reviews, mutual funds, business planning, family income benefit, divorce financial planning, ISA's, multi-asset portfolios Kelso, money planning in Kelso, stakeholder pension advice, mortgage advice, offshore investments, life assurance advice in Kelso, inheritance tax planning Kelso, annuity purchases, business protection, financial planning, life insurances, familt controlled trusts, and more. Listed are just some of the activities that can be undertaken by a financial advisor. Kelso professionals will tell you about their entire range of financial services.

Scotland Financial Advisors

01573 TD5 Financial Advisor Services Investment Advisers Advisor Advisors Financial Financial Advice Advice Scotland Kelso

In the Scotland area you'll also discover: Strathblane financial advice, Bellshill investment advice, Milnathort financial advisors, Barrhead financial advice, Elderslie financial advice, Crosshouse investment advisors, Crieff financial advice, Kirkliston investment advice, Townhill investment advisors, Dingwall investment advice, Tranent investment advice, Stamperland investment advice, Lossiemouth investment advice, Alexandria investment advice, Tarbert investment advisors, Kilbirnie investment advisors, Longforgan investment advisors, Forres investment advisors, Sandbank financial advice, Sanquhar financial advice, Dunning investment advice, Fenwick financial advice, Kirkintilloch financial advice, Caldercruix investment advice, Stevenston financial advisors, Portlethen financial advice, Saltcoats investment advisors, Letham investment advisors, Boness investment advice, Alford investment advisors.

Financial Advice Enquiries Scotland

Financial Advice Enquiries Scotland

Current Scotland financial advice enquiries: Cooper and Rahma Childs from Longniddry, Scotland recently enquired about investment advice. Lewis and Abbie Hargreaves from Bonnybridge recently enquired about equity release. Hayden Hinton and Tilly Hinton from Edzell, Scotland recently asked for information on family income benefit. Harlan and Safa Burland from Stonehouse recently asked for information on life assurance. Rania Curtis from Burntisland, Scotland recently enquired about pension advice. Mr and Mrs Mcgrady from Errol recently asked for information on mortgages. Maddie Pitt from Townhill, Scotland recently enquired about offshore investments. Eli Rigby from Longniddry, Scotland recently enquired about pension advice. Most of these local people conducted a search for "financial advisor Scotland" and found this page on either Google, Bing or Yahoo.

The Skills and Knowledge Needed to be a Financial Advisor

  • Excellent skills in customer service for finding out client needs and requirements.
  • Excellent skills in verbal communication.
  • The ability to sell products and services.
  • Active listening and interpersonal skills.
  • To have excellent IT skills.
  • To have a flexible approach to work.
  • To have the ability to network and build relationships with customers.
  • A good level of maths knowledge for creating financial plans.
  • An excellent understanding and knowledge of accounting and economics with regard to financial products and markets.
  • Good management skills for the negotiation of product rates.
  • To pay attention to detail and be thorough.

A Financial Advisor's Regular Tasks

  • Financial advisors collaborate with financial product providers.
  • Financial advisors provide counselling, education and consultation with regards to finances and investments.
  • Financial advisors produce in-depth financial reports.
  • Financial advisors keep detailed records of potential customers and transactions.
  • Financial advisors recommend the financial products that are best-suited to their clients.
  • Financial advisors speak to customers about their plans and finances.
  • Financial advisors update clients regarding their investments.
  • Financial advisors work in collaboration with associates to obtain market information, trends and statistics.
  • Financial advisors meet performance and sales targets.
  • Financial advisors keep abreast of new financial products and law changes.

Financial Advisors Near Kelso

Also find: Springwood Village financial advisers, Drygrange financial advisers, Norham financial advisers, Galashiels financial advisers, Melrose financial advisers, Stow financial advisers, Coldstream financial advisers, Redpath financial advisers, Fountainhall financial advisers, Leaderfoot financial advisers, Newstead financial advisers, St Boswells financial advisers, Earlston financial advisers, Tweedbank financial advisers, Lauder financial advisers, Maxwellheugh financial advisors and more. Most of these villages and towns are serviced by local financial advisers. Kelso residents can get estimates by clicking here.

Kelso Financial Advice Services

Find a Financial Advisor in Kelso Here
Financial Advice Enquiries in Kelso Scotland (01573)
  • Kelso Retirement Planning
  • Kelso Cheap Financial Advice
  • Kelso Inheritance Advice
  • Kelso Pension Advice
  • Kelso Trustee Investments
  • Kelso Financial Services
  • Kelso Estate Planning
  • Kelso Life Insurance Advice
  • Kelso Cashflow Analysis
  • Kelso Wealth Management
  • Kelso Investment Advice
  • Kelso Financial Advice
  • Kelso Tax Advice
  • Kelso Corporate Financial Planning

More Kelso Services: Obviously, whenever you're looking at your finances in Kelso, Scotland, you will likely be in need of all kinds of different services and aside from a financial advisor in Kelso, Scotland, you may also need contracts lawyers in Kelso, mortgage brokers in Kelso, solicitors in Kelso, property law & conveyancing in Kelso, mortgage advice in Kelso, payroll services in Kelso, bookkeepers in Kelso, business consulting in Kelso, debt recovery & collection in Kelso, business financial planning in Kelso, accountants in Kelso, family lawyers in Kelso, wills in Kelso, banruptcy lawyers in Kelso, tax preparation in Kelso, estate planning in Kelso, investment advisors in Kelso, and other different Kelso experts.

Financial Advisors Around Kelso: Over the last year financial advice was provided in the following Kelso streets: Hume Mill, Hendersyde Bank, Thirlestane, Hassington Blue Houses, Jamiesons Entry, Clifton Lodge, Duncanhaugh, Easter Muirdean, Abbotseat Road, Albert Place, Cappers Court, Hendersyde Avenue, Sunlaws West Lodge, Cairnmount House, Sandyknowe, Ladyrig Steadings, Bullet Loan, Eckford Hall Steading, Highridgehall, Woodside Drive, Nenthorn House, East Of Eden, Corbet Tower House, Clifton On Bowmont, Duncanhaugh Mill, Horsemarket, and in these Scotland postcodes: TD5 7JW, TD5 7EQ, TD5 7EL, TD5 8BF, TD5 7PU, TD5 7HE, TD5 7LQ, TD5 7DF, TD5 7BY, TD5 7FB. Folks in these local areas recently required help from a financial advisor. Kelso residents enjoyed the benefits of reliable and top notch financial services in all cases.

Financial Advisor Jobs Kelso: Get financial advisor jobs in Kelso by clicking here: Kelso Financial Advisor Jobs

To find local info on Kelso, Scotland check here

Independent financial advisor in TD5 area, 01573.

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(This financial advisor Kelso page was updated on 06-05-2022)