Financial Advisor Market Harborough Leicestershire (LE16): If you're in search of financial advice for the first time, trying to find a first-rate independent financial advisor in the Market Harborough area can be an intimidating experience. Whether you are looking for mortgage, investments, pension or even insurance guidance, all qualified financial advisors are bound by one common rule; they must all follow the regulations laid down by the FCA (Financial Conduct Authority). Any advice given through a FCA authorised financial advisor in Market Harborough comes with certain guarantees that if anything should go awry, you can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.
When selecting a financial advisor in Market Harborough, a good place to start could be friends and family, but you must bear in mind that your circumstances might not be in line with theirs, and you may need a different kind of advice. Not every financial advisor is suitable for everyone, and any advice they provide needs to be personalised to your particular situation. Picking the right financial advisor is important and it is a good idea to talk to at least 3 different firms so as to investigate the various options they can provide, and to find one you feel comfortable with and can trust.
There are 2 main kinds of financial advisor in Market Harborough; independent financial advisors (IFA) and restricted advisors. Offering a more extensive range of options, an independent financial advisor should not be limited to a single provider's products and services. Independent financial advice should be provided in an unbiased way and across the whole spectrum of financial companies and products. This will permit you to choose from the broadest range of products to suit your needs. A restricted advisor might be limited to services and products from one particular provider, or might even focus on a particular product, as can happen with a mortgage advisor.
Before any financial advisor accepts you as a client, they are required by the Financial Conduct Authority to be fully transparent with you about their charges. You could be charged a set fee, by the hour or possibly even a proportion of your investment, based on type of service you're looking for. To enable you to discuss your objectives and find out if the advisor is the correct fit for you and your circumstances, you might be offered the possibility of a free preliminary consultation. In some bigger Market Harborough companies, you could find that your account is being managed by a team rather than an individual advisor.
Before any actual advice is given you will be asked to fill out a confidential disclosure form, called a "Fact Find" document, which informs the advising firm about your targets and financial situation. To provide information about the financial advisor, their situation for offering restricted or independent advice and the extent of their permissions in the financial market, you will also be given an Initial Disclosure Document, or Key Facts Document. Your rights will also be set out in this document, along with your options if you need to complain because you are not happy with the service you're given. It must be easy to understand, written in plain language, and explain exactly what you're signing up for, along with the benefits and risks of going along with the advice. The level of cooling-off period should also be fully explained in this Key Facts Document. This makes it possible for you to cancel your contract within a certain time frame, and if any penalty charges are incurred.
You'll want to check what experience and qualifications the financial advisor has when you first talk to them. After all you're just about to entrust your long-term financial wellbeing to their expertise, so you should not be self-conscious about asking these questions. A Level 4 qualification in financial advice is the minimum required qualification for any financial advisor in Market Harborough, and they must also be in a position to provide you with an annual Statement of Professional Standing. When checking the Financial Services Register, you should not panic if your specific advisor's name doesn't show up on there; you will probably locate the firm name, and that means the regulations covers all of their staff. If they are unable to supply these accreditations, the person cannot offer advice but only financial guidance. Guidance is somewhat different to advice as it isn't regulated, and if financial blunders occur there may be no recourse to the client.
If it is investments that you're interested in, your advisor will ask you about the level of risk you are ready to accept with your hard-earned money. Most investments carry some element of risk, but high risk investments may offer better rewards, and also more likelihood of losing some or all of your cash. Your savings goals will have to be carefully considered if good quality financial and investment advice is to be given, i.e. short or long term investments, how much money you want to invest and how rapidly you need access to your money. You should invariably ask yourself the one important question, how much can you actually afford to lose. This is generally known as your capacity for loss and might influence the services and products that could be offered to you.
If you've already got any existing personal savings, mortgage loans, investments or regular payments, you have to tell your financial advisor about these. To ensure that you receive the most suitable advice for you, they need to gather a full and clear picture of your finances. Spreading the risk across a range of different products by diversifying your savings and investments, is something that smart financial advice should encompass. So as to mirror your financial circumstances and goals, a certified financial advisor in Market Harborough will be aware of the best areas to consider.
A financial advisor will unmask the complex world of finance, and speak in as much plain speech as possible. You should be in a position to come to an informed and educated decision when you have learned about the various services and products that meet your needs. If the environment is important to you, you could even ask that ethical savings and investments take top priority. You can then steer clear of businesses that companies meet your standards, but instead support those companies and enterprises that match your concerns, for example green energy or zero carbon.
Working closely with a financial advisor in Market Harborough can be challenging to manage around work and other obligations. To allow you to seek advice at a time to suit you, face-to-face appointments can be augmented with phone calls and video conferencing. Remote and home working is now so common, and any professional financial advice provider in Market Harborough will have strict measures in place to keep your details confidential and secure, even if you hardly ever have a one-to-one meeting with your advisor.
Investments can be an unpredictable area, and their values could fall as well as rise. If it happens that your investment fails to make as much money as you were hoping for, it can be an extremely worrying and demoralising time. A downward spiral in your investment is not a recognised grounds for complaint, unless your advisor has supplied you with wrong or misleading information.
Any disputes should start with the company's complaints procedure as laid out in the Key Facts Document. If the issue is unresolved within the time schedule stipulated by the regulating authority, and the financial advisor is registered with the Financial Conduct Authority, you can get in touch with the Financial Ombudsman.
The Financial Ombudsman will look into the cause for complaint and make a ruling. If it is established that the complaint is justified, a decision will be made on how the client can be compensated. The financial advisor and their firm must abide by any ruling that is made, which becomes legally binding as soon as the client has accepted it. Any distress, upset, inconvenience and trouble caused to the client during the process, will be taken into account when the Ombudsman establishes the level of compensation.
Financial advice can be provided in Market Harborough and also in nearby places like: Great Oxendon, Sibbertoft, Foxton, Great Bowden, Desborough, Clipston, Theddingworth, Braybrooke, Wilbarston, Little Bowden, Lubenham, Stoke Albany, Ashley, Marston Thrussell, East Farndon, Dingley, together with these postcodes LE16 0EJ, LE16 0AA, LE16 7EW, LE16 7BF, LE16 7EB, LE16 7BW, LE16 0TH, LE16 0FR, LE16 0GE, LE16 0FT. Local Market Harborough financial advisors will probably have the postcode LE16 and the telephone code 01858.
Leicestershire Financial Advisors
In the Leicestershire area you can additionally find: Sileby investment advice, Newtown Linford investment advice, Braunstone financial advice, Cropston financial advice, Thurcaston investment advisors, Rearsby financial advice, Leicester Forest East investment advisors, Hathern financial advisors, Fleckney financial advice, Asfordby financial advice, East Goscote financial advice, Queniborough financial advice, Harby financial advisors, Ashby de la Zouch financial advisors, Barlestone investment advisors, Fleckney investment advisors, Narborough financial advisors, Lutterworth investment advisors, Oakthorpe investment advice, Wymeswold financial advisors, Leicester Forest East financial advisors, Rothley investment advice, Great Glen investment advisors, Peckleton investment advisors, Long Whatton financial advisors, Stoney Stanton financial advisors.
Financial Advice Enquiries Leicestershire
Latest Leicestershire financial advice enquiries: Finn and Lottie Gardner from Blaby recently enquired about investment bonds. Bertie Everett and Ella-Louise Everett from Hathern recently enquired about family income benefit. Isabelle Hepburn and Scott Hepburn from Markfield, Leicestershire recently asked for information on life assurance. Elias Payne and Clementine Payne from Cropston, Leicestershire recently asked for information on investment bonds. Kye and Savanna Mace from Gilmorton recently asked for information on investment bonds. Mr and Mrs Prevost from Groby recently asked for information on family income benefit. Orla Smullen and Mikey Smullen from Coleorton, Leicestershire recently enquired about financial planning. Mr and Mrs Healey from Sharnford, Leicestershire recently asked for information on pensions.
Market Harborough Financial Advice Services
There is a wide range of services that can be provided by your local Market Harborough financial advisor including stakeholder pensions, annuities, investment bonds, wealth management & investments, equity release, pension planning, cash flow modelling in Market Harborough, independent financial advice, mortgage financial planning, financial planning, general financial planning, trustee investment services, investment advice in Market Harborough, family income benefit Market Harborough, investment advice, ISA's in Market Harborough, financial analyst services in Market Harborough, pension consolidation, income protection, portfolio management, pension drawdowns, mutual funds, cashflow analysis Market Harborough, business financial planning Market Harborough, corporate bonds, and more.
Financial Advisors Near Market Harborough
Also: Marston Thrussell financial advisors, Ashley financial advisors, Foxton financial advisors, Sibbertoft financial advisors, East Farndon financial advisors, Great Oxendon financial advisors, Dingley financial advisors, Great Bowden financial advisors, Wilbarston financial advisors, Lubenham financial advisors, Braybrooke financial advisors, Theddingworth financial advisors, Little Bowden financial advisors, Clipston financial advisors, Stoke Albany financial advisors, Desborough and more.
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Financial Advisors Around Market Harborough: In Dingley Terrace, Stanway Close, Clipstone Lane, The Oval, Doddridge Road, Bath Street, Sibbertoft Road, The Green, Darescroft, Stuart Crescent, Thornborough Close, Cromwell Crescent, Broadway Terrace, Blind Lane, Chater Close, Church Hill Road, Bury Close, Smeeton Road, The Broadway, De Lisle Close, Church Street, The Hill, Bluebell Lane, Austins Close, The Row, Brooklands Gardens, Brookfield Road, as well as these local Market Harborough postcodes: LE16 0EJ, LE16 0AA, LE16 7EW, LE16 7BF, LE16 7EB, LE16 7BW, LE16 0TH, LE16 0FR, LE16 0GE, LE16 0FT, folks have just recently needed financial and investment advice.
Market Harborough Financial Advisor Jobs: View financial advisor jobs near Market Harborough by clicking here: Financial Advisor Jobs Market Harborough
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Independent financial advisor in LE16 area, and dialling code 01858.
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