Financial Advisor Kidderminster

Kidderminster Independent Financial Advice & Investment

Financial Advisor Kidderminster Worcestershire (DY10): Finding a decent independent financial advisor in Kidderminster can be a daunting experience, in particular if you are needing financial advice for the first time. Nevertheless, all financial advisors have one thing in common; they must all stick to the regulations laid down by the Financial Conduct Authority (FCA), regardless of whether you're looking for pensions, investments, mortgage or even insurance guidance. The good thing about this is that if a financial advisor who is FCA authorised gives you poor advice, and things go awry, you have guarantees, and can contact the Financial Ombudsman or the Financial Services Compensation Scheme to have it put right.

Free Kidderminster Financial Advisor Quotes

A good starting place in choosing a financial advisor in Kidderminster could be friends and neighbours, but keep in mind that the sort of advice you're looking for could be significantly different to theirs. Financial advice should be individually tailored to your unique circumstances, and you will find that certain financial advisors may not be appropriate for your requirements. Picking a financial advisor is an important decision and it pays to chat to at least three different companies in order to investigate the options they provide, and to find one you feel comfortable with and can trust.

Financial Advisor Kidderminster Worcestershire (DY10)

When it comes to picking a financial advisor in Kidderminster, there are two principal types; restricted advisors and independent financial advisors. The advantage of seeing an independent financial advisor is that they will not be confined to the products and services of just one company, and can offer a wider range of options. Independent financial advice must be offered in an impartial way and should cover the full spectrum of financial products and companies. This will enable you to select from the widest possible range of products to meet your needs. A restricted financial advisor might be concerned with an individual product, as with a mortgage advisor, or be limited to products and services from a specific company.

The Financial Conduct Authority demands that any Kidderminster financial advisor must fully discuss their charges with you, before taking you on as a client. You may be charged a set fee, by the hour or possibly even a specific percentage of your investment, based upon type of product you require. A free initial consultation might be offered, so that you can discuss your aims and circumstances to see if the advisor is a good fit. If you use one of the larger Kidderminster companies, your account might be managed by a team of advisors rather than a single person.

Financial Advisors Kidderminster UK (01562)

To outline your goals and financial situation to the advising company, you will need to fill in a "Fact Find" form, which is a confidential disclosure document. A Key Facts or Initial Disclosure Document will also be given to you, to provide details of the financial advisors themselves, detailing the extent of their permissions in the financial arena and their situation for offering independent or restricted advice. This document will also lay out your rights and your options if you're not satisfied with the service provided, and want to submit a complaint. It should outline precisely what you are signing up for, and any potential risks and benefits should you elect to take the advice offered, and it should be laid out in plain language. You will find the amount of cooling-off period in the Key Facts Document. Within a certain period of time, this makes it possible for you to cancel the contract.

When speaking to the financial advisor for the first time you should check their experience and qualifications. Asking such questions shouldn't be a cause for embarrassment, because after all you're about to entrust them with your financial wellbeing. Every financial advisor in Kidderminster must present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. When checking the Financial Services Register, don't panic if your particular advisor's name does not show up on there; you ought to be able to locate the firm name, and this means that the legislation covers all of their personnel. The individual can still offer financial guidance instead of advice, if these cannot be provided. In financial terms guidance differs to advice and isn't regulated in the same way. Therefore there is no recourse for either party if mistakes arise.

Financial Advisor Quotes in Kidderminster Worcestershire

You'll be asked about the level of risk you're willing and able to accept, if you are seeking advice on investments. Many investments carry some element of risk, but high risk investments could offer larger rewards, and also more chance of losing some or all of your cash. Good quality financial and investment advice will take into account your savings aims, i.e. short or long term investments, how rapidly you need to access your money and how much money you want to invest. One question you should ask yourself, which is usually overlooked, is how much money you can actually afford to lose. Known as your 'capacity for loss', this will very likely affect the services and products that you're offered.

Financial Advice Near Kidderminster Worcestershire

Right from the start, it is imperative that you let your financial advisor know about any investments, mortgage loans, personal savings or regular payments that you currently have. This should give a clear picture of your financial situation, and without this the advice you get might not be the best for you. Diversifying your investments and savings by spreading the risk load across a number of different products, is a vital part of sound financial advice. With an understanding of the best areas to consider, a qualified financial advisor will concentrate on products that most closely match your financial situation and goals.

A financial advisor will open up the complex world of finance, and speak in the clearest possible way. After comparing the services and products that match your needs, you should be in a position to come to an informed and calculated decision. You could even ask your financial advisor to only choose ethical savings and investment schemes. You will then be able to avoid companies that corporations meet your criteria, but instead lend your support to those companies and organisations that match your concerns, for example zero carbon or green energy.

It could prove challenging to manage your work day and other commitments around a close working relationship with your financial advisor in Kidderminster. To enable you to get advice at a time to suit you, face-to-face appointments can be supplemented with phone calls and video conferencing. Any competent financial advice company in Kidderminster will have strict measures in force to ensure your details are kept secure and confidential, even if you never have an in-person meeting with your advisor, because remote and home working is now so common.


Investments can easily go down as well as up, as the financial world can be a volatile one. If it happens that your investment fails to make as much money as you were hoping for, it can be a very frustrating and stressful time. A downward trend in your investment isn't seen as a grounds for complaint, unless your financial advisor has supplied you with misleading or incorrect information.

Independent Financial Advisor Near Kidderminster (DY10)

The firm's complaints procedure should be the starting point for any grievances, and the Key Facts Document will discuss this. If the issue is unresolved within the time period laid down by the regulating authority, and your advisor is a member of the Financial Conduct Authority, you can inform the Financial Ombudsman.

After reviewing the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. If it's established that the complaint is justifiable, a decision is made on how the customer can be compensated or the situation rectified. Once the decision has been agreed on by the client it becomes a legally binding decision which the advisor and their firm, must comply with. The Ombudsman will also take into account any hassle, inconvenience, annoyance and distress caused to the client during the dispute, and set the level of compensation proportionately.

Book a Financial Advisor in Kidderminster UK

Financial advice can be provided in Kidderminster and also in nearby places like: Hurcott, Harvington, Habberley, Chaddesley Corbett, Shenstone, Ismere, Blakedown, Worcester, Shatterford, Iverley, Trimpley, Wolverley, Hoobrook, Stourport, Summerfield, Cookley, together with these postcodes DY10 1JX, DY10 1UB, DY10 1NL, DY10 1HE, DY10 1QY, DY10 1NZ, DY10 1WU, DY10 1PT, DY10 1SE, DY10 1SR. Locally based Kidderminster financial advisers will most likely have the telephone code 01562 and the postcode DY10. Checking this out can guarantee that you're accessing locally based financial advisers. Kidderminster property owners are able to benefit from these and countless other finance related services.

Skills and Knowledge Needed by Financial Advisors

  • A good understanding of accounting and economics with regard to financial products and markets.
  • To have good IT skills.
  • To be good at selling financial services and products.
  • Effective business management skills for the negotiation of product fees.
  • Excellent skills in verbal communication.
  • Effective skills in customer service for finding out customer needs.
  • To have a target driven mentality.
  • An excellent level of math knowledge for building financial plans.
  • To have the ability to network and build solid relationships with customers.
  • To pay attention to detail and be thorough.
  • Attentive listening skills.

The Daily Tasks for a Financial Advisor

  • Financial advisors keep detailed records of transactions and clients.
  • Financial advisors research financial products and explain them simply and clearly to their customers.
  • Financial advisors collaborate with financial product providers.
  • Financial advisors produce comprehensive financial reports.
  • Financial advisors keep fully up to date with law changes and new products.
  • Financial advisors constantly update clients about their investments.
  • Financial advisors provide counselling, consultation and education with regards to finances and investments.
  • Financial advisors meet targets for sales and performance.
  • Financial advisors speak with clients about their finances and plans.
  • Financial advisors work together with colleagues to obtain trends, market information and statistics.

Kidderminster Financial Advice Services

Financial Advice Tasks Kidderminster

There is a wide range of services which can be provided by your local Kidderminster financial advisor including annuities in Kidderminster, cash flow modelling, critical illness cover, tax advice in Kidderminster, personal pensions, investment bonds, trusts in Kidderminster, savings advice, mutual funds, long term care fee planning, general financial planning, money planning in Kidderminster, pension transfers, mortgage advice, death benefit advice, pensions in divorce, personal financial planning in Kidderminster, unit trusts, inheritance tax planning in Kidderminster, ISA's, pension planning, pension advice, financial analyst services Kidderminster, corporate financial planning, annuity purchase, familt controlled trusts, corporate bonds in Kidderminster, saving for children, business protection in Kidderminster, personal protection, and lots more. Listed are just a small portion of the tasks that can be carried out by a financial advisor. Kidderminster professionals will tell you about their full range of services.

Worcestershire Financial Advisors

Advisors Worcestershire Services Advisor 01562 Advisers DY10 Financial Advisor Kidderminster Financial Advice Investment Financial Advice

In the Worcestershire area you'll also find: Hanbury financial advisors, Sedgeberrow independent financial advisors, Tenbury Wells independent financial advisors, Fernhill Heath financial advisors, Dodderhill financial advisors, Fladbury investment advice, Great Malvern pension advice, Leigh independent financial advisors, Clent independent financial advisors, Hanley Castle financial advisers, Cookley financial advice, Lenchwick investment advisors, Hanbury investment advisors, Callow Hill investment advice, Drakes Broughton pension advice, Pebworth investment advisors, Pershore investment advice, Romsley independent financial advisors, North Littleton independent financial advisors, North Claines independent financial advisors, Stoke Prior financial advisors, South Littleton independent financial advisors, Rubery pension advice, Malvern Wells financial advice, Malvern Wells financial advisor, Badsey investment advice, Colletts Green independent financial advisors, Abberley pension advice, Wythall independent financial advisors, Blackwell financial advice.


Financial Advisors Near Kidderminster

Also find: Chaddesley Corbett financial advisors, Cookley financial advisors, Shatterford financial advisors, Hoobrook financial advisors, Habberley financial advisors, Harvington financial advisors, Stourport financial advisors, Hurcott financial advisors, Iverley financial advisors, Worcester financial advisors, Summerfield financial advisors, Wolverley financial advisors, Ismere financial advisors, Trimpley financial advisors, Shenstone financial advisors, Blakedown financial advisors and more. All of these towns and villages are catered for by local financial advisers. Kidderminster residents can get quotes by clicking here.

Kidderminster Financial Advice Services

Find a Financial Advisor in Kidderminster Here
Financial Advice Enquiries in Kidderminster Worcestershire (01562)
  • Kidderminster Retirement Planning
  • Kidderminster Estate Planning
  • Kidderminster Wealth Management
  • Kidderminster Independent Financial Advice
  • Kidderminster Financial Advice Quotes
  • Kidderminster Tax Advice
  • Kidderminster Trustee Investments
  • Kidderminster Corporate Financial Advice
  • Kidderminster Cheap Financial Advice
  • Kidderminster Life Insurance Advice
  • Kidderminster Cashflow Analysis
  • Kidderminster Financial Services
  • Kidderminster Mortgage Advice
  • Kidderminster Investment Advice

Financial Advisors Around Kidderminster: Financial advisors were recently needed by folks living in Swift Park Grove, Drake Crescent, Blakeshall, Coates Road, Baveney Wood, Charles Avenue, Coventry Street, Cavendish Drive, Towers Buildings, Brinton Close, The Firs Close, Chapel Lane, The Village, Talbot Street, Churchill Lane, Barnetts Lane, South Street, College Road, Shearwater Close, Dunbar Close, Trinity Fields, Tandys Lane, Birchfield Road, Tolley Road, Beverley Close, Almond Avenue, Swan Close, Barrie Avenue, The Lea, Catherton and these Kidderminster postcodes: DY10 1JX, DY10 1UB, DY10 1NL, DY10 1HE, DY10 1QY, DY10 1NZ, DY10 1WU, DY10 1PT, DY10 1SE, DY10 1SR. People living in these areas recently needed the help of a financial advisor. Kidderminster residents were given dependable and top notch financial services in all cases.

Kidderminster Financial Advisor Jobs: Find financial advisor jobs in Kidderminster by going here: Financial Advisor Jobs Kidderminster

If you're interested in local information about Kidderminster, Worcestershire take a look here

Independent financial advisor in DY10 area, and dialling code 01562.

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(This financial advisor Kidderminster page was reviewed and updated on 01-09-2022)