Financial Advisor Luton

Luton Independent Financial Advice & Investment

Financial Advisor Luton Bedfordshire (LU1): If you are in search of financial advice for the very first time, trying to locate a reliable independent financial advisor in Luton can be an intimidating experience. Nevertheless, all financial advisors have one thing in common; they must all observe the regulations laid down by the FCA (Financial Conduct Authority), regardless of whether you are searching for pensions, mortgage, investments or even insurance guidance. This comes with some guarantees, therefore after taking advice from a FCA authorised financial advisor in Luton, you can seek reparation from the Financial Ombudsman or the Financial Services Compensation Scheme, if if things go wrong.

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Recommendations from friends and relations can be a good starting place in picking a financial advisor in Luton, but bear in mind that their needs could be different to what you are looking for. Not every financial advisor is suitable for everyone, and any advice they provide should be personalised to your particular circumstances. It is a good idea to speak to at least three different firms when you're picking a financial advisor, as this is a major decision, and you need to find one that you feel comfortable with and can trust, and also explore the various options they can provide.

Financial Advisor Luton Bedfordshire (LU1)

There are 2 main types of financial advisor in Luton; independent financial advisors (IFA) and restricted advisors. The good thing about seeing an IFA is that they will not be confined to a single provider's products and services, and can offer a more diverse range of options. Independent financial advice should be given in an impartial way and across the full spectrum of financial companies and products. This will allow you to select from the broadest range of products to meet your needs. A restricted financial advisor may be tied to services and products from a single company, or might even focus on just one product, as you might find with a mortgage advisor.

Before any financial advisor accepts you as a client, they're required by the FCA to be transparent about their charges. Although it varies subject to the type of product or service you require, there may be an hourly rate, a set fee, or you may even be charged a slice of the money you're investing. You will sometimes be offered the chance of a free initial consultation to enable you to discuss your goals and determine whether the advisor is a good fit for you and your circumstances. If you go with one of the bigger Luton companies, your account may be looked after by a team of advisors rather than just one person.

Financial Advisors Luton UK (01582)

To describe your financial situation and aims to the advising company, you'll have to fill in a "Fact Find" form, which is a confidential disclosure document. You'll also be handed an Initial Disclosure Document, or Key Facts Document, which gives you information on the financial advisor, their situation for offering independent or restricted advice and the extent of their permissions in the financial market. If you aren't satisfied with the service, and wish to submit a complaint, this document will also lay down your rights and the options you can take. It has to be easily understood, written in plain language, and outline exactly what you are signing up for, together with the benefits and risks of accepting the proffered advice. This document will also inform you about the cooling-off period. Within a specific time period, this permits you to cancel the agreement.

You need to check what experience and qualifications the financial advisor has when you first speak with them. After all you're just about to entrust your financial future to their skill, so you shouldn't be self-conscious about asking these questions. A Level 4 qualification in financial advice is the minimum required certification for any financial advisor in Luton, and they must also be in a position to present an annual Statement of Professional Standing. You should not worry if your advisor's name does not show up on the Financial Services Register, providing the firm is on the register, their advisors are covered by the legislation. The person can still offer financial guidance instead of advice, if these cannot be presented. In terms of finance guidance differs to advice and is not regulated. Therefore there isn't any recourse for either party if financial mistakes are made.

Financial Advisor Quotes in Luton Bedfordshire

You'll be asked the level of risk you are ready and able to take on, if you are seeking advice on investments. Higher risk investments may potentially offer larger rewards, however all or some of your cash could be lost. The best financial and investment advice should take you savings objectives into consideration, i.e. how quickly you need to access your money, how much you wish to invest and short or long term investments. "How much can you afford to lose?" Is the one crucial question that you should really be asking yourself. This could influence the services and products that could be offered for your consideration, and is commonly called your 'capacity for loss'.

Financial Advice Near Luton Bedfordshire

You will need to let your financial advisor know about any existing regular outgoing payments, investments, mortgages or savings. To make certain that you get the most appropriate advice for you, they need to gather a clear and full picture of your financial circumstances. The diversification of your investments and savings by spreading the risk across different products, is an important part of reliable financial advice. A seasoned financial advisor in Luton will understand the best areas to consider, which reflect your financial situation and your goals.

Communicating in the plainest speech possible, your financial advisor will throw open the multifaceted world of finance and investment. This will allow you to compare products and services which meet your needs, and make an informed decision. You could maybe ask your financial advisor to only choose ethical investments and savings. This will allow you to give your support to enterprises and companies which address your concerns, i.e. zero carbon or green energy, or perhaps avoiding corporations that do not meet your requirements.

It isn't that easy to work closely with a financial advisor in Luton without this impacting your work life and other obligations. This can be reduced by supplementing one-on-one appointments with video conferencing and phone calls, therefore allowing you to seek the advice you need at convenient times. Even if you hardly ever have a one-to-one meeting with your personal advisor, an experienced financial advice provider in Luton will have rigorous measures in place to ensure your details are kept confidential and secure, because working from home and remote working is now a large part of our society.


Investments can be a volatile area, and their values can fall as well as rise. If it just so happens that your investment isn't making the amount of money you hoped for, it can be a stressful and demoralising time. However, unless it's owing to misleading or wrong information from your advisor your investment having a downward trend is not a recognised grounds for complaint.

Independent Financial Advisor Near Luton (LU1)

Any disputes should start with the firm's official complaints procedure as detailed in the Key Facts Document. If the issue remains unsolved within the period stipulated by the regulating authority, and your financial advisor is a member of the Financial Conduct Authority, you can inform the Financial Ombudsman.

The Financial Ombudsman will make a ruling after independently reviewing the cause for complaint. If the complaint is found to be justified, a decision will be made on how to rectify the situation or financially compensate the client. The advisor and their firm must comply with any decision that is made, which becomes a legally binding decision once the customer has agreed to it. The Ombudsman will also consider any inconvenience, upset, distress and trouble caused to the customer during the dispute, and set the level of compensation proportionately.

Book a Financial Advisor in Luton UK

Financial advice can be provided in Luton and also in nearby places like: Streatley, Aley Green, Caddington, Markyate, Offley, Chaul End, Leagrave Marsh, Wigmore, Sundon Park, Leasgrave, Winch Hill, Lilley, Round Green, Biscot, Slip End, Pepperstock, Stopsley, Dunstable, as well as in these postcodes LU1 1DL, LU1 1RF, LU1 1BQ, LU1 1UF, LU1 1EA, LU1 1JP, LU1 1PP, LU1 1QP, LU1 1UQ, LU1 1JF. Locally based Luton financial advisers will likely have the postcode LU1 and the telephone dialling code 01582. Checking this out should confirm you are accessing local financial advisers. Luton householders will be able to utilise these and numerous other finance related services. Click the "enquiry" banner to get specifics of financial advisors in your area.

Luton Financial Advice Services

Financial Advice Tasks Luton

There are a wide array of services which can be provided by your local Luton financial advisor including offshore investments, pension transfers, equity release, long term care fee advice in Luton, will writing services, personal financial planning in Luton, unit trusts, investment consolidation, pension advice in Luton, financial analyst services in Luton, life insurance, general financial planning in Luton, saving for children Luton, investment plans Luton, cheap financial advice, inheritance tax planning, personal protection in Luton, ethical investments, portfolio management in Luton, multi-asset portfolios, life assurance, ISA's Luton, investment bonds in Luton, pensions in divorce Luton, financial planning Luton, mortgage services, pension drawdowns, savings advice Luton, personal pensions in Luton, tax financial planning, and more. Listed are just an example of the duties that can be undertaken by a financial advisor. Luton professionals will keep you informed about their entire range of services.


Financial Advisors Near Luton

Also find: Round Green financial advisors, Slip End financial advisors, Stopsley financial advisors, Leagrave Marsh financial advisors, Aley Green financial advisors, Wigmore financial advisors, Leasgrave financial advisors, Lilley financial advisors, Sundon Park financial advisors, Pepperstock financial advisors, Streatley financial advisors, Biscot financial advisors, Caddington financial advisors, Chaul End financial advisors, Offley financial advisors, Winch Hill financial advisors and more. All these towns and areas are served by financial advisors. Residents in the area can make enquiries about financial advice by going here.

Luton Financial Advice Services

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Luton Bedfordshire: The large town of Luton can be found in the Eastern region of England in the traditional county of Bedfordshire. Luton is roughly 28 miles from Bedford and 34 miles from Central London, nearby towns and villages include Streatley, Round Green, Dunstable, Wigmore, Lilley, Biscot, Pepperstock and Leagrave Marsh. Luton has the dial code 01582, is in the postcode district LU1 and has a population of around 215,000. Luton's airport opened on the 16th July 1938 and is one of the largest in the United Kingdom, transporting around 14 million passengers annually. (Tags: Luton Beds, Luton Bedfordshire, Luton UK, Luton England)

Independent financial advisor in LU1 area, and dialling code 01582.

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(This financial advisor Luton page was successfully updated on 20-02-2024)