Financial Advisor Maesteg

Maesteg Independent Financial Advice & Investment

Financial Advisor Maesteg Wales (CF34): Locating a good independent financial advisor in Maesteg can be a daunting experience, in particular if you're needing financial advice for the first time. Whether it's investment, pension, mortgage or even insurance advice that you are looking for, there is one common rule for all qualified financial advisors; they all have to follow Financial Conduct Authority (FCA) regulations. This comes with various guarantees, therefore after getting advice from a FCA registered financial advisor in Maesteg, you can seek recompense from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if anything goes wrong.

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Recommendations from friends and family can be a good starting place in choosing a financial advisor in Maesteg, but keep in mind that their circumstances might be different to what you're looking for. Not every financial advisor is suitable for everyone, and their advice should be adapted to your particular situation. Choosing the right financial advisor is vital and it is a good idea to talk to at least 3 different companies so as to check out the various options they provide, and to find one that you feel comfortable with and can trust.

Financial Advisor Maesteg Wales (CF34)

Restricted advisors and independent financial advisors (IFA), are the 2 principal kinds of financial advisor in Maesteg. The advantage of using an independent financial advisor is that they won't be confined to the products and services of just one provider, and can offer a wide range of options. Independent financial advice should cover the full spectrum of financial products and companies, and must be offered in an impartial way. This will permit you to select from the widest range of products to meet your needs. A restricted financial advisor could be focused on an individual product, such as a mortgage advisor, or be restricted to services and products from a particular company.

Before taking you on as a client, any financial advisor in Maesteg must discuss their charges with you, as required by the FCA. You might be charged by the hour, a set fee or possibly even a proportion of your investment value, based on type of product you're looking for. A free first consultation might be offered, so that you can discuss your goals and situation to determine whether the advisor is the best fit. Your account might be handled by a team rather than a single advisor, if you elect to go to one of the larger Maesteg firms.

Financial Advisors Maesteg UK (01656)

To outline your aims and financial situation to the advising firm, you will have to fill in a "Fact Find" form, which is a confidential disclosure document. To provide details of the financial advisor, their situation for offering independent or restricted advice and their scope of permissions in the financial sector, you'll also be given an Initial Disclosure Document, or Key Facts Document. If you aren't satisfied with the service, and wish to complain, this document will also set down your own legal rights and the possible options you can take. It must be written in plain English and detail what you're signing up for, and any possible risks and benefits that exist should you choose to take the advice offered. The allowed cooling-off period should also be fully explained in this Key Facts Document. This makes it possible for you to change your mind within a certain number of days, and cancel the contract with your financial advisor.

When talking with your financial advisor the very first time you should check their qualifications and experience. After all you're on the verge of entrusting your long-term financial wellbeing to their expertise, so you shouldn't be embarrassed about asking these questions. All Maesteg financial advisors must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. When checking the Financial Services Register, you don't need to freak out if your financial advisor's name doesn't appear on there; you ought to be able to locate the firm name, and this means that the regulations covers all of their advisors. The person may still offer financial guidance as opposed to advice, if these can't be provided. In terms of finance guidance differs to advice and isn't regulated. Therefore there isn't any recourse for either party if mistakes are made.

Financial Advisor Quotes in Maesteg Wales

You'll be asked the amount of risk you are willing and able to take, if you are seeking advice on investing money. High risk investments could potentially offer better rewards, however all or some of your capital could be lost. Good investment and financial advice should take you savings objectives into consideration, i.e. how much you wish to invest, how quickly you need to access your money and long or short term investments. One question you should ask of yourself, which is often neglected, is just how much you can really afford to lose. This is sometimes referred to as your 'capacity for loss' and may affect the products and services that are offered for your consideration.

Financial Advice Near Maesteg Wales

If you have already got any current investments, mortgage loans, regular outgoing payments or personal savings, you'll want to let your financial advisor know about these. To make certain that you get the most suitable advice for you, they need to have a clear and full picture of your finances. Sound financial advice should include diversifying your investments and savings by spreading the risk load across various products. In order to mirror your goals and financial situation, an experienced financial advisor in Maesteg will be aware of the best products to consider.

Your financial advisor will communicate in as much plain speech as possible, while throwing open the complex world of finance. You should be in a position to make an informed and educated decision once you have learned about the various services and products that meet your needs. If environmental issues are at the forefront of your mind, you could perhaps ask that ethical savings and investments take top priority. This does not just give you investment possibilities, but also enables you to support renewable energy or zero carbon projects, and stay away from businesses that don't share the same values as you.

Working closely with a financial advisor in Maesteg can be challenging to fit in around your work day and other commitments. To enable you to get advice at times that suit you, face-to-face appointments can be backed up with telephone calls and video conferencing. A professional financial advice provider in Maesteg will have stringent measures in place to ensure your details are kept confidential and secure, even if you hardly ever have a face-to-face meeting with your advisor, because home and remote working is no longer unusual.

COMPLAINTS

Investments can be an unpredictable area, and their values could go down as easily as they go up. It can be very disheartening and stressful if your investment fails to make as much money as you hoped for. However, except if it's due to misleading or incorrect information from your advisor a downward spiraling of your investment isn't a recognised grounds for complaint.

Independent Financial Advisor Near Maesteg (CF34)

Any grievances should start out with the firm's complaints procedure as described in the Key Facts Document. If your advisor is registered with the Financial Conduct Authority, you can let the Financial Ombudsman know about the problem if it remains unsolved within the time schedule stipulated by the regulating body.

The Financial Ombudsman will independently review the cause of the complaint and come to a decision. If the complaint is justified, a decision will be made on how to rectify the situation or financially compensate the customer. The advisor and their firm must comply with any ruling that's made by the Ombudsman, which becomes legally binding as soon as the customer has agreed to it. Any compensation set by the Financial Ombudsman will also take into account any inconvenience, trouble, annoyance and distress caused to the customer during the dispute.

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Financial advice can be provided in Maesteg and also nearby in: Garth, Dyffryn, Bryn, Coytrahen, Llangynwyd, Aberkenfig, Blaengarw, Glanllynfi, Sarn, Bryncethin, Caerau, Nantyffyllon, Pontycymer, Tondu, together with these postcodes CF34 0SR, CF34 0AL, CF34 0DL, CF34 0HX, CF34 0DG, CF34 0SB, CF34 0JB, CF34 0RF, CF34 0HH, CF34 0HY. Locally based Maesteg financial advisers will probably have the phone code 01656 and the postcode CF34. Simply click on the "enquiry" form or banner to get info on financial advisors in your location.

Maesteg Financial Advice Services

Financial Advice Tasks Maesteg

There are a whole host of services which can be provided by your local Maesteg financial advisor including annuities, retirement planning, pension reviews, unit trusts, portfolio management, cheap financial advice, life assurance advice, independent financial advice, trusts Maesteg, annuity purchases, pension consolidation in Maesteg, cash flow modelling, divorce financial planning Maesteg, financial planning Maesteg, will writing services Maesteg, stakeholder pension advice in Maesteg, financial advice services, tax advice in Maesteg, financial analyst services, investment bonds, family income benefit in Maesteg, mutual funds Maesteg, income protection, long term care fee planning, inheritance tax planning, and lots more.

MAESTEG FINANCIAL ADVISOR QUOTES

Financial Advisors Near Maesteg

Also find: Bryncethin financial advisors, Tondu financial advisors, Garth financial advisors, Sarn financial advisors, Bryn financial advisors, Caerau financial advisors, Glanllynfi financial advisors, Llangynwyd financial advisors, Blaengarw financial advisors, Pontycymer financial advisors, Dyffryn financial advisors, Coytrahen financial advisors, Aberkenfig financial advisors, Nantyffyllon financial advisors and more.

Maesteg Financial Advice Services

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Financial Advice Enquiries in Maesteg Wales (01656)
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Financial Advisors Around Maesteg: Financial advisors were recently required by folks living in Caerau Road, Teras Griffiths, Christopher Road, Hermon Road, Gelli Street, Upper Street, Railway Terrace, Brynglas Terrace, Fowler's Place, Crown Rise, School Road, Llwynderw Avenue, Bank Street, Fairfield Avenue, Station Terrace, Shoemakers' Row, Blaencaerau Road, Lewis Road, Daren Close, Tonna Road, Nant Y Derwen, Heol-y-nant, Lloyd Street, Hearts Of Oak Cottages, St Michael's Road, Port Terrace, Mynydd Glas, Pen-yr-ysgol and these Maesteg postcodes: CF34 0SR, CF34 0AL, CF34 0DL, CF34 0HX, CF34 0DG, CF34 0SB, CF34 0JB, CF34 0RF, CF34 0HH, CF34 0HY.

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Independent financial advisor in CF34 area, phone code 01656.

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