Financial Advisor Lightwater

Lightwater Independent Financial Advice & Investment

Financial Advisor Lightwater Surrey (GU18): If you're in search of financial advice for the very first time, trying to locate a reliable independent financial advisor in the Lightwater area can be a challenging experience. Whether it's pensions, investments, mortgage or even insurance advice that you're looking for, there is one common rule for all professional financial advisors; they all have to adhere to FCA (Financial Conduct Authority) regulations. Any advice given through a FCA authorised financial advisor in Lightwater comes with the guarantee that if anything should go awry, you can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.

Free Lightwater Financial Advisor Quotes

When picking a financial advisor in Lightwater, a good place to begin could be relatives and friends, but you must remember that your circumstances might not be in line with theirs, and you may be in need of a different type of advice. Financial advice needs to be specifically tailored to your particular circumstances, and you'll discover that certain financial advisors might not be appropriate for you. Choosing a financial advisor is a major decision and it pays to talk to at least three different companies in order to check out the various options they provide, and to find one that you feel comfortable with and can trust.

Financial Advisor Lightwater Surrey (GU18)

When you're looking to pick a financial advisor in Lightwater, there are essentially 2 principal types; independent financial advisors and restricted advisors. An independent financial advisor should not be restricted to the products and services of a single company. Independent financial advice must cover the entire spectrum of financial companies and products, and should be offered in an unbiased way. If you elect to use an independent financial advisor, you'll be able to select from the widest possible array of products, in order to find the perfect solution for your needs. A restricted advisor could be involved with an individual product, as with a mortgage advisor, or be restricted to products and services from a single firm.

Before taking you on as a client, any Lightwater financial advisor must be transparent about their charges, as required by the Financial Conduct Authority. Although it can vary contingent on the kind of service or product you are interested in, there could be a set fee, an hourly rate, or you might even be charged a percentage of what you are investing. You will sometimes be offered the chance of a free preliminary consultation to allow you to discuss your objectives and find out if the advisor is a right fit for you and your circumstances. Your account may be managed by a team rather than one individual advisor, if you choose to go with one of the larger Lightwater firms.

Financial Advisors Lightwater UK (01276)

You'll have to complete a "Fact Find" document, which is a confidential disclosure form relating your goals and financial situation to the advising firm. To provide information about the financial advisor, their situation for offering independent or restricted advice and the extent of their permissions in the financial arena, you'll also be handed a Key Facts Document, or Initial Disclosure Document. Your own rights will also be spelled out in this document, together with the options you can take if you want to complain because you're not satisfied with the service you are given. It should outline precisely what you're committing yourself to, and any potential benefits and risks if you choose to accept the offered advice, and it should be set down in plain English. The Key Facts Document must also inform you of the allowed cooling-off period. This enables you to have a change of heart within a certain time frame, and cancel your contract with the financial advisor.

The very first time you are talking to the financial advisor make sure you check what qualifications and experience they have. After all you're on the verge of entrusting your long-term financial wellbeing to their skill, so you must not be embarrassed about asking these questions. A Level 4 qualification is the minimum certification for any Lightwater financial advisor, and they also have to be able to show an annual Statement of Professional Standing. When you check the Financial Services Register, you don't need to stress if your particular advisor's name doesn't show up on there; you will probably locate the firm name, and that means the legislation covers all of their personnel. The individual may still offer financial guidance instead of advice, if these cannot be presented. Guidance isn't regulated in the way that financial advice is, meaning that if mistakes occur the client won't have any recourse.

Financial Advisor Quotes in Lightwater Surrey

You'll be asked about the level of risk you're willing and able to accept, if you are seeking advice on investments. Substantial rewards may be possible with higher risk investments, however you stand a greater chance of losing some or all of your money. In order to get the most beneficial financial and investment advice, your savings aims must be carefully considered, i.e. long or short term investments, how much you have to invest and how rapidly you need to access your money. "How much money can you actually afford to lose?" Is the one vital question that you should really be asking yourself. Referred to as your 'capacity for loss', this will quite likely have an effect on services and products that you are offered.

Financial Advice Near Lightwater Surrey

If you have already got any current mortgages, regular payments, savings accounts or investments, you must let your financial advisor know about these. To ensure that you get the most suitable advice for you, they need a clear and full picture of your financial circumstances. Good financial advice should allow for diversifying your savings and investments by spreading the risk load across various products. A qualified financial advisor in Lightwater will be aware of the best products to consider, which mirror your goals and your financial situation.

Your financial advisor will try to communicate in the clearest possible way, while opening up the complex world of finance. After comparing the various services and products which meet your needs, you should be able to make an informed and considered decision. If you are environmentally minded, you could maybe ask your advisor to stick to ethical savings and investment schemes. This doesn't just give you investment possibilities, but also enables you to lend your support to renewable energy or zero carbon projects, and stay clear of companies that don't share the same values.

It can prove challenging to manage work and other obligations around a close working relationship with a financial advisor in Lightwater. To enable you to seek advice at a time to suit you, one-on-one meetings can be augmented with phone calls and video conferencing. An experienced financial advice provider in Lightwater will have stringent measures in place to keep your details secure and confidential, even if you never have a one-on-one meeting with your advisor, because home and remote working is no longer unusual.


You have to understand that the financial world is an unpredictable sector, and investment values can just as easily go down as well as up. If your investment fails to make as much money as you were hoping for, it can be extremely disheartening and worrying. However, unless it is down to misleading or wrong information from your advisor a downward spiraling of your investment isn't seen as a cause for complaint.

Independent Financial Advisor Near Lightwater (GU18)

As outlined in the Key Facts Document, any complaints should begin with the firm's official complaints procedure. If the issue is unresolved within the time schedule set by the regulating authority, and the advisor is registered with the FCA, you can advise the Financial Ombudsman.

After reviewing the cause for complaint, the Financial Ombudsman will come to a decision on the issue. A decision is made on how to financially compensate the customer, if the complaint is justified. The advisor and their firm must abide by any decision that is made by the Ombudsman, which becomes legally binding once the customer has agreed to it. Any compensation laid down by the Ombudsman will also account for any trouble, distress, annoyance and inconvenience caused to the customer during the situation.

Book a Financial Advisor in Lightwater UK

Financial advice can be provided in Lightwater and also in nearby places like: Donkey Town, Longcross, Bagshot, Windlesham, Deepcut, Frimley, West End, Chobham, Camberley, Sunningdale, Brookwood, Bisley, Blackwater, Frimley Green, and in these postcodes GU18 5SY, GU18 5RB, GU18 5TD, GU18 5TN, GU18 5SW, GU18 5TZ, GU18 5SB, GU18 5TF, GU18 5UX, GU18 5SG. Local Lightwater financial advisers will probably have the telephone code 01276 and the postcode GU18. Checking this will ensure you are accessing locally based financial advisers. Lightwater property owners are able to benefit from these and various other finance related services.

Pension Planning

To ensure a secure retirement, pension planning becomes essential. This process can be significantly improved by enlisting the services of a financial advisor. Your current financial circumstances will be assessed by a knowledgeable advisor, understanding your retirement objectives and designing a customised pension solution. Navigating the complexities of UK pension alternatives, they deal with workplace pensions, the state pension, and self-invested personal pensions (SIPPs). By leveraging their expertise, informed decisions about investment choices, contributions and tax implications can be made. Working with a financial advisor in Lightwater guarantees the creation of a solid pension plan, providing financial stability and peace of mind for your future.

The State Pension is a key component of UK pension planning, as it provides a standard level of retirement income that is guaranteed by the government. Eligibility for the State Pension is usually based on an individual's National Insurance record, which is built up over their working life. However, the complexities of the State Pension scheme have become essential to understand, due to changes to the number of qualifying years and the State Pension age. (42316)

A Financial Advisor's Regular Duties

  • A financial advisor provides counselling, consultation and education with regards to investments and finances.
  • A financial advisor researches financial products and explains them clearly and simply to customers.
  • A financial advisor keeps detailed records of transactions and customers.
  • A financial advisor talks to customers regarding their plans and finances.
  • A financial advisor makes deals with with providers of financial products.
  • A financial advisor updates clients regarding their investments.
  • A financial advisor keeps fully abreast of regulation changes and new financial products.
  • A financial advisor produces in-depth financial reports.
  • A financial advisor works together with peers to collect statistics, market information and trends.
  • A financial advisor meets sales and performance targets.

Lightwater Financial Advice Services

Financial Advice Tasks Lightwater

There is a wide range of services which are provided by your local Lightwater financial advisor including business protection, financial advice services Lightwater, life insurance, cheap financial advice in Lightwater, equity release in Lightwater, pension consolidation advice, stakeholder pension advice, inheritance tax planning, familt controlled trusts Lightwater, trusts in Lightwater, investment bonds, investment reviews, family income benefit in Lightwater, offshore investments, pension drawdowns Lightwater, life assurance Lightwater, retirement planning Lightwater, independent financial advice, portfolio management Lightwater, trustee investment services Lightwater, pension planning, pension reviews in Lightwater, ethical investment advice in Lightwater, critical illness cover, divorce planning, bridging finance, unit trusts, general financial planning Lightwater, wealth management, money planning, and more. These are just some of the duties that can be handled by a financial advisor. Lightwater professionals will be happy to tell you about their whole range of services.


Financial Advisors Near Lightwater

Also find: Mimbridge financial advisors, Castle Green financial advisors, Brookwood financial advisors, Donkey Town financial advisors, Bisley financial advisors, Owlsmoor financial advisors, Stonehill financial advisors, Deepcut financial advisors, West End financial advisors, Longcross financial advisors, Burrowhill financial advisors and more. Practically all of these villages and towns are catered for by financial advisors. Homeowners in these places can make enquiries about financial advice by clicking here.

Lightwater Financial Advice Services

Find a Financial Advisor in Lightwater Here
Financial Advice Enquiries in Lightwater Surrey (01276)
  • Lightwater Estate Planning
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  • Lightwater Mortgage Advice
  • Lightwater Cashflow Analysis
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  • Lightwater Investment Advice
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  • Lightwater Independent Financial Advice
  • Lightwater Life Insurance Advice
  • Lightwater Trustee Investments
  • Lightwater Retirement Planning
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Lightwater Financial Advisor Jobs: View financial adviser jobs in Lightwater by going here: General Financial Advisor Jobs

To find out local information relating to Lightwater, Surrey click here

Independent financial advisor in GU18 area, (dialling code 01276).

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(This financial advisor Lightwater content was last updated on 20-02-2024)