Financial Advisor Lewes East Sussex (BN7): Locating a good financial advisor advisor in the Lewes area can be a challenging experience, especially if you are needing financial advice for the first time. However, all qualified financial advisors have one thing in common; they all have to observe the regulations laid down by the Financial Conduct Authority (FCA), whether you're looking for pensions, investments, mortgage or even insurance advice. Any advice given by a FCA authorised financial advisor in Lewes comes with the guarantee that should anything go wrong, you can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman.
Recommendations from neighbours and friends can be a decent starting point in choosing a financial advisor in Lewes, but keep in mind that their circumstances might be different to the type of advice you're looking for. Their advice needs to be adapted to your particular situation, and not every financial advisor is suitable for everyone. It is wise to speak with at least 3 different firms when you are picking a financial advisor, because this is a major decision, and you'll be looking to find one that you can trust and feel at ease with, and investigate the options they can provide.
Independent financial advisors and restricted advisors, are the two main kinds of financial advisor in Lewes. The benefit of seeing an independent financial advisor is that they won't be restricted to the services or products of just one company, and can offer a broader range of options. Encompassing the whole spectrum of financial companies and products, independent financial advice must be offered in an unbiased and impartial way to customers. If you choose to use an IFA, you will be able to pick from the broadest possible array of products, so as to find the perfect solution for you. A restricted advisor could be involved with a single product, as with a mortgage advisor, or be limited to services and products from a single company.
Before any financial advisor in Lewes accepts you as a client, they're required by the FCA to be fully transparent with you about their charges. Based on the type of product you're looking for, you could be charged by the hour, a set fee or maybe even a percentage of your investment value. To discuss your aims and find out if the advisor is a good fit for you and your situation, you will sometimes be offered the chance of a free first consultation. Your account might be looked after by a team rather than one individual advisor, if you decide to use one of the bigger Lewes companies.
Before any financial advice is given you'll have to fill in a confidential disclosure form, called a "Fact Find" document, which tells the advising company about your goals and financial situation. You should also be given a Key Facts Document, or Initial Disclosure Document, which provides information regarding the financial advisor, their status to offer independent or restricted advice and the scope of their permissions in the financial market. This document should also make clear your rights and your options if you are not happy with the service, and wish to submit a complaint. It must be simple to understand, written in layman's terms, and outline exactly what you're signing up for, along with the risks and benefits of going along with the advice. You can find the level of cooling-off period in the Key Facts Document. This makes it possible for you to change your mind within a specific time period, and cancel your contract with the financial advisor.
You should check what experience and qualifications the financial advisor has the first time you speak to them. After all you're about to entrust your long-term financial wellbeing to their skill, so you should never be embarrassed about asking such questions. A Level 4 qualification is the minimum qualification for any Lewes financial advisor, and they also have to be able to present you with an annual Statement of Professional Standing. When you check the Financial Services Register, you should not stress if your particular advisor's name does not appear on there; you will probably locate the firm name, and that means the legislation covers all of their advisors. If these can't be presented the person can still offer financial guidance as opposed to advice. Guidance differs to advice as it's not regulated in the same way, and if financial errors are made there may be no recourse to the client.
If it's investments that you are interested in, the advisor will want to know the amount of risk you might be prepared to take with your hard-earned money. Higher rewards may be possible with high risk investments, however you stand a greater chance of losing all or some of your cash. Your savings goals must be taken into account if decent investment and financial advice is to be given, i.e. short or long term investments, how quickly you need access to your funds and how much money you want to invest. The one question that you should ask of yourself, which is normally neglected, is how much you can afford to lose. This could influence the products and services that could be offered for your consideration, and is generally known as your 'capacity for loss'.
You will have to let your financial advisor know about your current investments, regular payments, personal savings or mortgages. This will give a full and clear picture of your financial situation, and without this the advice you are given will most likely not be the best for you. Spreading the risk across a number of different products by diversifying your savings and investments, is something that reliable financial advice should allow for. So as to match your goals and financial circumstances, a professional financial advisor in Lewes will have the knowledge of the best areas to consider.
Your financial advisor will communicate in the clearest possible way, to lay bare the complex world of finance. After learning about the various products and services that meet your needs, you should be in a position to make an informed and deliberative decision. If you're environmentally minded, you can perhaps ask your financial advisor to stick to ethical savings and investments. This allows you to give your support to enterprises and companies which match your concerns, i.e. green energy or zero carbon, or perhaps steering clear of firms that don't meet your requirements.
Working closely with a financial advisor in Lewes can be tricky to manage around your work day and other responsibilities. This can be alleviated by supplementing face-to-face meetings with telephone and video conferencing, hence allowing you to seek the advice you need at convenient times. Remote and home working is now a large part of our society, and a competent financial advice provider in Lewes will have rigorous measures in place to keep your details secure and confidential, even if you never have a face-to-face meeting with your advisor.
Investments can be an unpredictable area, and their values could fall as well as rise. It can be very stressful and frustrating if your investment isn't making as much money as you hoped for. Sadly, a downward trend in your investment is not a recognised cause for complaint, except if it is because of wrong or misleading information from your financial advisor.
Any complaints should commence with the firm's complaints procedure as indicated in the Key Facts Document. You can tell the Financial Ombudsman about the situation if it remains unresolved within the time set by the regulating authority, and your advisor is a member of the Financial Conduct Authority.
The Financial Ombudsman will independently review the cause for complaint and come to a decision. If it's found that the complaint is justifiable, a decision is made on how the client can be compensated or the situation rectified. The financial advisor and their firm must abide by any ruling that is made, which becomes legally binding once the client has agreed to it. Any annoyance, hassle, inconvenience and distress caused to the client during the situation, will be taken into account when the Financial Ombudsman fixes the level of compensation.
Financial advice can be provided in Lewes and also in: Barcombe, Sout, Offham, Glyndebourne, Glynde, Wallands Park, Southerham, Ringmer, Falmer, Southease, Burgess Hill, Woodingdean, Isfield, Cooksbridge, South Malling, Ovingdean, Laughton, Stoneham, and in these postcodes BN7 1QA, BN7 1HU, BN7 1TL, BN7 1NB, BN7 1SU, BN7 1SP, BN7 1SF, BN7 1BP, BN7 1AB, BN7 1BB. Local Lewes financial advisers will most likely have the postcode BN7 and the telephone code 01273. Simply click on the "enquiry" form or banner to get info on financial advisors in your area.
East Sussex Financial Advice Enquiries
Recent East Sussex financial advice enquiries: Kelsie Knox from Battle, East Sussex recently asked for information on investment bonds. Ellie-Rose and Che Adam from Polegate recently enquired about pension advice. Juan Gibb and Kelsey Gibb from Ore recently enquired about mortgage advice. Dexter Lennon from Groombridge, East Sussex recently asked for information on equity release. Mr and Mrs Hartley from Catsfield recently asked for information on offshore investments. Angelo Mottram and Enid Mottram from Camber recently enquired about financial planning. Tara Busby from Broyle Side recently enquired about life assurance. Huey and Erica O neill from Burwash Common, East Sussex recently asked for information on life assurance.
Financial Advisors East Sussex
Around East Sussex you will likewise find: Alfriston financial advice, Northiam financial advice, Burwash Common investment advisors, Danehill financial advisors, Battle investment advisors, Salehurst financial advice, Woodingdean financial advice, Hollington investment advisors, Groombridge financial advisors, Nutley investment advice, Robertsbridge financial advisors, Brede financial advice, Willingdon investment advisors, Guestling financial advisors, Hollington investment advice, Wivelsfield financial advisors, Ewhurst financial advice, Peacehaven financial advice, Burwash financial advice, Icklesham investment advice, South Chailey financial advice, South Chailey financial advisors, Jevington investment advice, Withyham financial advisors, Chiddingly financial advice, Saltdean financial advisors, Danehill investment advisors, Warbleton investment advisors, Ditchling financial advice.
A Financial Advisor's Daily Duties
- A financial advisor talks to customers regarding their plans and finances.
- A financial advisor keeps abreast of new products and law changes.
- A financial advisor meets targets for performance and sales.
- A financial advisor recommends the financial products that are best-suited to customers.
- A financial advisor continually updates clients concerning their investments.
- A financial advisor produces in-depth financial reports.
- A financial advisor makes advantageous deals with with financial product providers.
- A financial advisor keeps detailed records of potential customers and transactions.
- A financial advisor works in conjuction with colleagues to collect market information, trends and statistics.
- A financial advisor provides counselling, consultation and education regarding finances and investments.
Lewes Financial Advice Services
There is a wide range of services which are provided by your local Lewes financial advisor including trustee investment services in Lewes, stakeholder pensions Lewes, portfolio management, financial advice services in Lewes, pension consolidation, inheritance tax planning in Lewes, long term care fee planning in Lewes, will writing services Lewes, annuity purchases, trusts in Lewes, wealth management & investments, tax financial planning, life assurance advice in Lewes, pension drawdowns Lewes, annuities Lewes, personal financial planning Lewes, mortgage financial planning, unit trusts in Lewes, ISA's in Lewes, investment bonds, cheap financial advice, pension reviews, financial analyst services in Lewes, pension planning Lewes, investment planning Lewes, and lots more.
Financial Advisors Near Lewes
Also: Woodingdean financial advisors, Ovingdean financial advisors, Cooksbridge financial advisors, Burgess Hill financial advisors, Stoneham financial advisors, Southease financial advisors, Wallands Park financial advisors, Southerham financial advisors, Offham financial advisors, Laughton financial advisors, Glynde financial advisors, Barcombe financial advisors, Ringmer financial advisors, Isfield financial advisors, Sout financial advisors, Falmer financial advisors, South Malling financial advisors, Glyndebourne and more.
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Financial Advisors Around Lewes: People living in the following areas have recently requested financial advice - The Fosse, Cranedown, Anchor Field, Trinity Field, Stoneham Close, The Elms, Castle Precincts, Beddingham Gardens, The Flints, The Pagets, Barnfield, Brooks Road, St James Street, Broyle Close, Buttsfield Lane, Coppernets, Shepherds Way, Sun Street, Corner Green, The Martlets, Deanland Road, Shepherd's Way, Baxter Road, Beggars Wood Lane, Ashcombe Lane, Smiths Lane, Beechwood Lane, Brighton Road, The Maples, as well as these Lewes area postcodes: BN7 1QA, BN7 1HU, BN7 1TL, BN7 1NB, BN7 1SU, BN7 1SP, BN7 1SF, BN7 1BP, BN7 1AB, BN7 1BB.
If you would like to get local information regarding Lewes, East Sussex look here
Independent financial advisor in BN7 area, telephone code 01273.
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