Financial Advisor Molesey

Molesey Independent Financial Advice & Investment

Financial Advisor Molesey Surrey (KT8): Locating a reliable independent financial advisor in Molesey can be a challenging experience, especially if you're needing financial advice for the very first time. Whether it's mortgage, investments, pension or even insurance guidance that you are after, there's one common rule for all professional financial advisors; they all have to comply with Financial Conduct Authority (FCA) regulations. This comes with certain guarantees, therefore after getting advice from a FCA registered financial advisor in Molesey, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman, if anything goes awry.

Free Molesey Financial Advisor Quotes

When choosing a financial advisor in Molesey, a good starting point could be friends and neighbours, but you must bear in mind that your circumstances might not be in line with theirs, and you may need a different sort of advice. Financial advice needs to be specifically tailored to your unique circumstances, and you will discover that certain financial advisors may not be appropriate for your requirements. It is wise to talk with at least 3 different firms when you are picking a financial advisor, since this is an important decision, and you will be looking to find one that you feel comfortable with and can trust, and at the same time check out the options they offer.

Financial Advisor Molesey Surrey (KT8)

Independent financial advisors (IFA) and restricted advisors, are the two principal types of financial advisor in Molesey. The good thing about using an independent financial advisor is that they should not be restricted to just one provider's products and services, and can offer a more diverse range of options. Independent financial advice must cover the entire spectrum of financial products and companies, and should be offered in an unbiased way. Consulting an independent financial advisor should permit you to pick from the widest possible array of products. A restricted financial advisor could be limited to services and products from a single firm, or might even focus on a particular product, as in the case of a mortgage advisor.

Before accepting you as a client, any financial advisor in Molesey must be fully transparent with you about their charges, as demanded by the Financial Conduct Authority. Although it varies based on the kind of product you're looking for, there could be a set fee, an hourly rate, or you may even be charged a percentage of the money you're investing. A free first consultation will sometimes be offered, so that you can discuss your aims and situation to find out if the advisor is the right fit. In some of the bigger Molesey companies, you could find that your account is looked after by a team as opposed to an individual advisor.

Financial Advisors Molesey UK (020)

Before any financial advice is handed out you will be required to fill out a confidential disclosure form, known as a "Fact Find" document, which tells the advising firm about your goals and financial situation. You should also be handed a Key Facts or Initial Disclosure Document, which provides you with details of the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial market. Your legal rights will also be laid out in this document, in addition to your options if you wish to complain because you aren't satisfied with the service provided. It should be easy to understand, written in plain English, and explain precisely what you're committing yourself to, together with the risks and benefits of going along with the advice. You'll find the amount of cooling-off period in this document. This permits you to change your mind within a certain time period, and cancel your contract with the financial advisor.

When chatting with your financial advisor initially you'll want to check their experience and qualifications. Asking these questions shouldn't cause you any embarrassment, because after all you're entrusting them with your long-term financial wellbeing. All financial advisors in Molesey must hold at least a Level 4 qualification and present an annual Statement of Professional Standing. When you check the Financial Services Register, you don't need to panic if your particular financial advisor's name doesn't show up on there; you ought to be able to find the firm name, and this means that the regulations covers all of their staff. The person may still offer financial guidance as opposed to advice, if these can't be presented. Guidance isn't subject to regulations in the same way as financial advice, which means that if errors are made the client won't have any recourse.

Financial Advisor Quotes in Molesey Surrey

If you're seeking advice on investments you'll be asked the level of risk you're ready to accept. High risk investments may potentially offer substantial rewards, but all or some of your cash could be lost. The best financial and investment advice should take you savings aims into consideration, i.e. long or short term investments, how rapidly you need to access your funds and how much you have to invest. One question you should ask yourself, which is often neglected, is how much you can afford to lose. This is commonly called your 'capacity for loss' and may affect the products and services that could be offered for your consideration.

Financial Advice Near Molesey Surrey

If you already have any current regular payments, savings, investments or mortgages, you have to tell your financial advisor about these. To ensure that you receive the best advice for you, they need to gather a full and clear picture of your finances. Spreading the risk load across various products through the diversification of your investments and savings, is something that smart financial advice should allow for. So as to mirror your financial circumstances and goals, a professional financial advisor in Molesey will have the knowledge of the best areas to consider.

Your financial advisor will attempt to communicate in the clearest possible way, to unveil the complex world of finance. You should be able to make an informed and educated decision when you have learned about the various services and products which meet your needs. If you are environmentally minded, you can even ask your advisor to stick to ethical investments and savings. This allows you to lend support to companies and organisations that address your concerns, i.e. zero carbon or green energy, or perhaps keeping away from firms that don't meet your standards.

It's not that easy to work closely with a financial advisor in Molesey without this impacting your work life and other obligations. This can be reduced by augmenting one-on-one meetings with video conferencing and telephone, thus enabling you to get the guidance you need at times that are convenient. Remote and home working is now commonplace, and a competent financial advice provider in Molesey will have stringent measures in force to ensure your details are kept confidential and secure, even if you never have a one-to-one meeting with your personal advisor.

COMPLAINTS

Investments can be an unpredictable area, and values could go down as well as up. If your investment is not making as much money as you were hoping for, it can be extremely demoralising and worrying. However, except if it is down to misleading or incorrect information from your advisor your investment having a downward trend isn't seen as a basis for complaint.

Independent Financial Advisor Near Molesey (KT8)

As detailed in the Key Facts Document, any grievances should commence with the firm's official complaints procedure. You can let the Financial Ombudsman know about the situation if it is unresolved within the time schedule set out by the regulating authority, and the financial advisor is registered with the FCA.

The Financial Ombudsman will look into 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 client. This will become legally binding as soon as it has been agreed on by the customer, and the financial advisor and their company must abide by the decision. The Financial Ombudsman will also consider any inconvenience, trouble, annoyance and distress caused to the client during the process, and set the level of compensation accordingly.

Book a Financial Advisor in Molesey UK

Financial advice can be provided in Molesey and also in: Sunbury, Esher, East Molesey, Hampton Court, Hinchley Wood, Teddington, Claygate, Surbiton, Weston Green, Hanworth, Ditton Hill, Thames Ditton, Long Ditton, West Molesey, North Claygate, and in these postcodes KT8 0SR, KT8 9AF, KT8 0HS, KT8 1PH, KT8 0NN, KT8 2PG, KT8 0BU, KT8 0PA, KT8 9HJ, KT8 9AA. Local Molesey financial advisers will likely have the telephone code 020 and the postcode KT8.

Surrey Financial Advice Enquiries

Surrey Financial Advice Enquiries

Recently posted Surrey financial advice enquiries: Kristian Sugden from Great Bookham, Surrey recently asked for information on family income benefit. Tess Simons and Leland Simons from Limpsfield recently enquired about offshore investments. Mr and Mrs Symes from South Godstone, Surrey recently enquired about pension advice. Inaya and Bernard Leith from Deepcut recently asked for information on investment bonds. Darcey Eastwood from Long Ditton, Surrey recently enquired about getting financial advice. Vlad Macaulay and Angel Macaulay from Sidlow, Surrey recently enquired about getting financial advice. Anwen Atherton from Churt recently asked for information on family income benefit. Sofie Lane from Shamley Green, Surrey recently asked for information on offshore investments.

Surrey Financial Advisors

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In the Surrey area you will additionally discover: Chaldon financial advisors, Caterham financial advice, Chertsey investment advisors, Frimley investment advice, Lightwater financial advice, Molesey investment advice, Bisley financial advisors, Lightwater investment advisors, Brookwood financial advice, Fetcham investment advisors, The Sands investment advisors, Sidlow investment advice, Caterham on the Hill investment advisors, Ockley financial advice, Merstham investment advisors, Windlesham investment advisors, Ashtead financial advice, Shamley Green financial advisors, Elstead financial advisors, Newdigate financial advice, Tongham financial advice, Tadworth financial advisors, Ash financial advice, Brockham financial advisors, Godalming investment advisors, Farnham financial advisors, Horley financial advisors, Woldingham investment advisors, Farnham investment advisors, Brockham investment advice.

Molesey Financial Advice Services

Financial Advice Tasks Molesey

There is a variety of services that can be provided by your local Molesey financial advisor including stakeholder pensions, portfolio management, divorce planning in Molesey, mortgage services, cashflow analysis, pension drawdowns, tax financial planning, independent financial advice, trusts, ISA's in Molesey, pension planning, financial analyst services Molesey, life assurance Molesey, mutual funds, annuities, corporate bonds, income protection, investment advice, trustee investment services, retirement planning, cash flow modelling in Molesey, pension transfer advice Molesey, wealth management & investments, cheap financial advice in Molesey, life insurances, and more.

MOLESEY FINANCIAL ADVISOR QUOTES

Financial Advisors Near Molesey

Also find: Long Ditton financial advisors, North Claygate financial advisors, Hinchley Wood financial advisors, East Molesey financial advisors, Teddington financial advisors, Weston Green financial advisors, Thames Ditton financial advisors, Esher financial advisors, Hampton Court financial advisors, Surbiton financial advisors, Ditton Hill financial advisors, West Molesey financial advisors, Hanworth financial advisors, Claygate financial advisors, Sunbury financial advisors and more.

Molesey Financial Advice Services

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Financial Advice Enquiries in Molesey Surrey (020)
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Financial Advisors Around Molesey: In Balmoral Crescent, Sandringham Gardens, Augusta Close, Spencer Road, Cambridge Road, Palace Road, Hever Place, Kings Chase, Wolsey Road, Rosemary Avenue, Wilton Gardens, Lytcott Drive, Sadlers Ride, Freeman Drive, Bridge Road, Victoria Avenue, Molesham Way, Cherimoya Gardens, Berkeley Drive, Hampton Court Palace, Hotham Close, Ember Farm Avenue, Jasmine Way, Hollingworth Close, Harrow Gardens, Sovereign Court, Ferry Road, Bedster Gardens, as well as these Molesey area postcodes: KT8 0SR, KT8 9AF, KT8 0HS, KT8 1PH, KT8 0NN, KT8 2PG, KT8 0BU, KT8 0PA, KT8 9HJ, KT8 9AA, folks have recently needed financial and investment advice.

To get local information regarding Molesey, Surrey look here

Independent financial advisor in KT8 area, and dialling code 020.

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