Financial Advisor Locks Heath

Locks Heath Independent Financial Advice & Investment

Financial Advisor Locks Heath Hampshire (SO31): Finding a decent independent financial advisor in Locks Heath can be a challenging experience, in particular if you're seeking financial advice for the very first time. However, all professional financial advisors have one thing in common; they all have to follow the regulations laid down by the Financial Conduct Authority, whether you're looking for investments, pensions, mortgage or even insurance guidance. The advantage of this is that should a financial advisor who is FCA registered give you bad advice, and anything goes awry, you've got guarantees, and are able to get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to get it put right.

Free Locks Heath Financial Advisor Quotes

A good starting point in choosing a financial advisor in Locks Heath can be friends and family, but bear in mind that the type of advice you are searching for could be different to theirs. Not every financial advisor is suitable for everybody, and any advice they provide needs to be tailored to your specific situation. It is a good idea to talk with at least three different companies when you're selecting a financial advisor, as this is a big decision, and you need to find one that you can trust and feel at ease with, and at the same time investigate the options they offer.

Financial Advisor Locks Heath Hampshire (SO31)

When you are looking to pick a financial advisor in Locks Heath, there are two main types; independent financial advisors (IFA) and restricted advisors. The good thing about seeing an IFA is that they should not be confined to a single company's products and services, and can offer a more extensive range of options. Covering the entire gamut of financial companies and products, independent financial advice must be given in an impartial and unbiased way to clients. If you elect to use an IFA, you'll be able to choose from the widest possible array of products, in order to find the ideal solution for your needs. A restricted advisor might be limited to products and services from a single provider, or may even concentrate on a particular product, as can be the case with a mortgage advisor.

Before accepting you as a client, any financial advisor in Locks Heath must be transparent about their charges, as required by the FCA. Contingent on the kind of services you're looking for, you could be charged a set fee, by the hour or perhaps even a percentage of your investment value. To discuss your objectives and find out if the advisor is the proper choice for your circumstances, a free initial consultation could be offered. In some of the larger Locks Heath firms, you might find that your account is handled by a team as opposed to an individual advisor.

Financial Advisors Locks Heath UK (01489)

Before any financial advice is given you'll have to fill out a confidential disclosure form, called a "Fact Find" document, which informs the advising firm about your financial situation and goals. You'll also be given a Key Facts or Initial Disclosure Document, which provides you with details about the financial advisor, their situation for offering restricted or independent advice and their scope of permissions in the financial sector. Your own legal rights should also be laid out in this document, along with the options you can take if you want to submit a complaint because you are not happy with the service provided. It should be simple to understand, written in plain English, and outline exactly what you are signing up for, together with the risks and benefits of accepting the proffered advice. The Key Facts Document will also inform you about the level of cooling-off period. This makes it possible for you to cancel your agreement within a certain number of days, and if any penalty charges have to be paid.

When speaking with the financial advisor the very first time you'll want to check their experience and qualifications. You shouldn't be embarrassed about asking these questions, after all you're on the verge of entrusting your financial future to their expertise. A Level 4 qualification in financial advice is the minimum required certification for any Locks Heath financial advisor, and they also have to be able to provide you with an annual Statement of Professional Standing. If the advisor's name does not appear on the Financial Services Register, don't freak out, the firm the advisor works for will almost certainly be on the register and their staff are all covered by the regulations. The individual may still offer financial guidance rather than advice, if these can't be presented. In financial terms guidance is different to advice and isn't regulated. Therefore there's no recourse for the client if financial blunders arise.

Financial Advisor Quotes in Locks Heath Hampshire

If you're needing advice on investing money you'll be asked about the amount of risk you are comfortable with. Many investments carry some element of risk, but high risk investments may offer higher rewards, and also more likelihood of losing some or all of your capital. Your savings goals will need to be carefully considered if the best investment and financial advice is to be given, i.e. how much you wish to invest, long or short term investments and how rapidly you need to access your money. The one question that you should ask of yourself, which is usually neglected, is just how much money you can really afford to lose. Referred to as your capacity for loss, this will very likely influence the products and services that you're offered.

Financial Advice Near Locks Heath Hampshire

You need to let your financial advisor know about your current savings, mortgages, investments or regular outgoing payments. They'll need to know this, so they can get a picture of your financial circumstances and give the best advice for you. Spreading the risk across a range of different products through the diversification of your savings and investments, is something that reliable financial advice should allow for. So as to mirror your goals and financial circumstances, a competent financial advisor in Locks Heath will understand the best areas to consider.

Your financial advisor will try to communicate in the clearest possible way, to throw open the multifaceted world of finance. You should be able to come to an informed decision after you have learned about the various products and services which meet your needs. If you're environmentally minded, you could maybe ask your financial advisor to stick to ethical savings and investment schemes. This will allow you to support organisations and firms that address your concerns, e.g. zero carbon or green energy, or perhaps staying away from corporations that don't meet your criteria.

It isn't always easy to have a close working relationship with a financial advisor in Locks Heath without this affecting work and other responsibilities. This can be alleviated by supplementing one-on-one meetings with video conferencing and telephone calls, therefore enabling you to get the guidance you need at times that are convenient. Even if you hardly ever have a one-on-one meeting with your personal advisor, any competent financial advice company in Locks Heath will have stringent measures in place to ensure your details are kept confidential and secure, because working from home and remote working is now commonplace.


Investments can be a volatile area, and their values could go down as well as up. If it just so happens that your investment fails to make the amount of money you were hoping for, it can be an extremely stressful and disheartening time. However, unless it's due to wrong or misleading information from your advisor your investment having a downward trend isn't a recognised cause for complaint.

Independent Financial Advisor Near Locks Heath (SO31)

The company's official complaints procedure should be the place to start with any grievances, and the Key Facts Document should explain this. If the matter is unsolved within the time period stipulated by the regulating body, and your advisor is a member of the FCA, you can get in touch with the Financial Ombudsman.

The Financial Ombudsman will look into the cause of the complaint and come to a decision. A decision will be made on how to rectify or financially compensate the client, if the complaint is justified. The advisor and their firm must abide by any decision that's made by the Ombudsman, which becomes a legally binding decision as soon as the customer has agreed to it. Any compensation fixed by the Financial Ombudsman will also take into consideration any upset, distress, hassle and inconvenience caused to the client during the dispute.

Book a Financial Advisor in Locks Heath UK

Financial advice can be provided in Locks Heath and also in nearby places like: Hamble-le-Rice, Whiteley, Fareham, Park Gate, Sarisbury Green, Titchfield, Lee-on-the-Solent, Swanwick, Netley Abbey, Warsash, Bursledon, Lower Swanwick, and in these postcodes SO3 6SX, SO3 6QZ, SO31 6LU, SO3 6PQ, SO31 6SU, SO3 6SA, SO31 6BL, SO31 6ST, SO3 6NZ, SO3 6QL. Locally based Locks Heath financial advisers will likely have the postcode SO31 and the telephone code 01489. Checking this can make sure that you are accessing local financial advisers. Locks Heath home and business owners are able to utilise these and various other related services.

Hampshire Financial Advice Enquiries

Hampshire Financial Advice Enquiries

The latest Hampshire financial advice enquiries: Sumayya Finney from Drayton, Hampshire recently asked about getting financial advice. Reginald Macfarlane from Crookham Village, Hampshire recently asked for information on equity release. Aubrey Whalley from Abbotts Ann recently asked for information on financial planning. Isla-Mae Schofield and Ray Schofield in Sherfield on Loddon, Hampshire recently asked for information on financial planning. May and Percy Matthams from Harestock recently asked about investment advice. Liliana Burke from Sherborne St John, Hampshire recently asked for information on life assurance. Ava-Grace and Franky Batty in Sydmonton recently asked for information on mortgages. Toby Gardner in Crondall, Hampshire asked the question "are there any good financial advisors near me?". Most of these local people did a search for "financial advisor Hampshire" and located this website on Google, Yahoo or Bing.

Locks Heath Financial Advice Services

Financial Advice Tasks Locks Heath

There is a wide range of services that are provided by your local Locks Heath financial advisor including mortgage financial planning, equity release Locks Heath, saving for children, cashflow planning Locks Heath, savings advice, pension advice, pensions in divorce, money planning Locks Heath, portfolio management, business protection, death benefits, financial advice services, pension planning, trusts Locks Heath, business planning Locks Heath, critical illness cover in Locks Heath, pension consolidation, financial analyst services, wealth management, investment consolidation advice Locks Heath, cash flow modelling Locks Heath, ethical investments, cheap financial advice in Locks Heath, retirement plans Locks Heath, pension drawdowns, tax advice, corporate bonds, unit trusts in Locks Heath, will writing services, income protection, and more. Listed are just some of the duties that can be carried out by a financial advisor. Locks Heath professionals will inform you of their entire range of financial services.


Financial Advisors Near Locks Heath

Also find: Warsash financial advisors, Bursledon financial advisors, Lee-on-the-Solent financial advisors, Hamble-le-Rice financial advisors, Netley Abbey financial advisors, Park Gate financial advisors, Swanwick financial advisors, Fareham financial advisors, Sarisbury Green financial advisors, Whiteley financial advisors, Lower Swanwick financial advisors, Titchfield financial advisors and more. All of these villages and towns are covered by local financial advisers. Locks Heath residents can get financial advice price quotes by clicking here.

Locks Heath Financial Advice Services

Find a Financial Advisor in Locks Heath Here
Financial Advice Enquiries in Locks Heath Hampshire (01489)
  • Locks Heath Financial Services
  • Locks Heath Cashflow Analysis
  • Locks Heath Corporate Financial Advice
  • Locks Heath Pension Advice
  • Locks Heath Trustee Investments
  • Locks Heath Tax Advice
  • Locks Heath Estate Planning
  • Locks Heath Independent Financial Advice
  • Locks Heath Financial Advice Quotes
  • Locks Heath Life Insurance Advice
  • Locks Heath Mortgage Advice
  • Locks Heath Retirement Advice
  • Locks Heath Investment Advice
  • Locks Heath Cheap Financial Advice

Financial Advisors Around Locks Heath: Over the past year financial advice was provided in the following Locks Heath streets: Old Common, Grovebury, Stillmeadows, St Michaels Road, Upper Brook Drive, The Glades, Richards Close, Centre Way, Monarch Close, St Simon Close, Lawn Drive, Hedera Road, Hunts Pond Road, Lodge Road, Fell Close, Cardinal Way, Burgundy Close, Locks Road, Montpelier Close, Locksheath Park Road, Capstan Gardens, Lydney Road, Crispin Close, Daisy Lane, The Brackens, Cunningham Drive, Lockswood Road, Brook Lane, and in these Hampshire postcodes: SO3 6SX, SO3 6QZ, SO31 6LU, SO3 6PQ, SO31 6SU, SO3 6SA, SO31 6BL, SO31 6ST, SO3 6NZ, SO3 6QL. People in these local areas recently required the help of a financial advisor. Locks Heath residents enjoyed reliable and professional financial services in all cases.

To find local information about Locks Heath, Hampshire go here

Independent financial advisor in SO31 area, (dialling code 01489).

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(This financial advisor Locks Heath information was checked and updated on 01-09-2022)