Financial Advisor Newbury

Newbury Independent Financial Advice & Investment

Financial Advisor Newbury Berkshire (RG14): If you're in search of financial advice for the first time, trying to locate a decent independent financial advisor in the Newbury area can be an intimidating experience. Whether it is investment, pension, mortgage or even insurance advice that you are searching for, there's one common rule for all financial advisors; they all have to abide by Financial Conduct Authority (FCA) regulations. The advantage of this is that should a financial advisor who is FCA approved give you bad advice, and anything goes wrong, you have guarantees, and can contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to get it put right.

Free Newbury Financial Advisor Quotes

When picking a financial advisor in Newbury, a decent 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 be in need of a different kind of advice. Financial advice should be specifically tailored to your particular circumstances, and you'll discover that some financial advisors may not be appropriate for you. To check out the various options they can provide and find a financial advisor that you can trust and feel comfortable with, it is a good idea to talk to at least 3 different firms, because after all selecting a financial advisor is a major decision.

Financial Advisor Newbury Berkshire (RG14)

Restricted advisors and independent financial advisors, are the 2 main types of financial advisor in Newbury. An IFA won't be limited to the products and services of a single company. Independent financial advice should cover the entire gamut of financial products and companies, and must be given in an unbiased way. This will permit you to select from the widest possible range of services to suit your needs. A restricted advisor might be tied to products and services from a specific company, or might even focus on just one product, as in the case of a mortgage advisor.

Before accepting you as a client, any financial advisor in Newbury must be fully transparent with you about their charges, as demanded by the Financial Conduct Authority. Contingent on the services you are interested in, you could be charged by the hour, a set fee or possibly even a slice of your investment. You could be offered the possibility of a free preliminary consultation to allow you to discuss your aims and find out if the advisor is suitable for you and your circumstances. If you go with one of the larger Newbury companies, your account could be looked after by a team of advisors rather than one individual.

Financial Advisors Newbury UK (01635)

To describe your aims and financial situation to the advising company, you will be asked to fill in a "Fact Find" document, which is a confidential disclosure form. To provide details of the financial advisor, their status to offer restricted or independent advice and their range of permissions in the financial sector, you'll also be handed a Key Facts or Initial Disclosure Document. Your rights will also be laid out in this document, along with the options you can take if you need to complain because you're not happy with the service you are given. It should describe what you are signing up for, and any possible benefits and risks should you decide to accept the offered advice, and it has to be laid out in plain language. The cooling-off period should also be explained in this Key Facts Document. This allows you to cancel your contract within a certain number of days, and whenever any penalty charges are incurred.

When chatting with your financial advisor initially you should check their experience and qualifications. You shouldn't be embarrassed about asking these questions, after all you are on the verge of entrusting your financial wellbeing to their expertise. Every Newbury financial advisor must be able to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. When checking the Financial Services Register, you shouldn't freak out if your particular financial advisor's name doesn't appear on there; you should be able to find the company name, and that means the legislation covers all of their employees. If these can't be presented the person may still offer financial guidance as opposed to financial advice. Guidance isn't regulated in the way that financial advice is, which means that if mistakes arise the client won't have any recourse.

Financial Advisor Quotes in Newbury Berkshire

You'll be asked about the level of risk you are ready and able to take on, if you are seeking advice on investing money. Larger rewards could be possible with higher risk investments, but you stand a greater chance of losing some or all of your capital. In order to get the most effective financial and investment advice, your savings objectives will need to be taken into account, i.e. short or long term investments, how quickly you need to access your funds and how much you wish to invest. The one question that you should ask of yourself, which is usually overlooked, is just how much you can really afford to lose. This may well affect the products and services that could be offered for your consideration, and is known as your 'capacity for loss'.

Financial Advice Near Newbury Berkshire

You must let your financial advisor know about your current regular outgoing payments, mortgage loans, savings accounts or investments. They'll need this information, so that they can get a clear picture of your financial situation and give the correct advice for you. Good quality financial advice should include diversifying your savings and investments by spreading the risk across different products. Having an understanding of the best areas to consider, a seasoned financial advisor will favour products that match your financial circumstances and goals.

Communicating in the clearest way possible, your financial advisor will reveal the multifaceted world of investment and finance. This will enable you to compare products and services that match your needs, and make an informed decision. If the environment is at the forefront of your mind, you could perhaps ask that ethical savings and investment schemes take top priority. You can then stay clear of investments that companies meet your criteria, but instead lend your support to those businesses and firms that address your concerns, for example renewable energy or zero carbon.

Having constant interactions with your financial advisor in Newbury could cause issues with your work life and other responsibilities. Face-to-face meetings can be augmented with telephone calls and video conferencing to enable you to seek advice at times that suit you. Even if you never have an in-person meeting with your personal advisor, a professional financial advice company in Newbury will have strict measures in force to ensure your details are kept secure and confidential, because working from home and remote working is now commonplace.


Investments can be an unpredictable area, and values can fall as well as rise. It can be incredibly stressful and frustrating if your investment fails to make as much money as you were hoping for. Regrettably, a downward trend in your investment isn't seen as a cause for complaint, except if it's down to wrong or misleading information from your financial advisor.

Independent Financial Advisor Near Newbury (RG14)

As laid out in the Key Facts Document, any disputes should start out with the firm's official complaints procedure. If the problem remains unsolved within the period set by the regulating body, 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 come to a decision. If it is established that the complaint is justified, a decision is made on how the customer can be compensated. Once agreed on by the client, the decision will become legally binding, and the advisor and their firm must abide by it. Any compensation as set out by the Ombudsman will also take into account any distress, annoyance, hassle and inconvenience caused to the client during the process.

Book a Financial Advisor in Newbury UK

Financial advice can be provided in Newbury and also in: Benham Hill, Snelsmore Common, Speen, Cold Ash, Chieveley, Hunts Green, Crockham Heath, Greenham, Enborne, Wash Water, Wash Common, Bagnor, Halfway, Upper Bucklebury, Stockcross, Hoe Benham, Donnington, Highclere, Ashmore Green, Woolton Hill, Winterbourne, Bucklebury, Marsh Benham, Boxford, Westbrook, Inkpen, Curridge, Woodspeen, Thatcham, Newtown Common, Adbury, Newtown, Shaw, together with these postcodes RG14 1AP, RG14 1ER, RG14 1AW, RG14 1DN, RG14 1SJ, RG14 1BN, RG14 1TW, RG14 1SU, RG14 1HA, RG14 1EH. Local Newbury financial advisors will most likely have the phone code 01635 and the postcode RG14. Verifying this can make sure that you're accessing local financial advisers. Newbury homeowners can benefit from these and lots of other similar services. Simply click the "enquiry" banner to get info on financial advisors in your area.

A Financial Advisor's Day to Day Tasks

  • A financial advisor keeps abreast of new financial products and legislation changes.
  • A financial advisor recommends the best-suited financial products to customers.
  • A financial advisor works in collaboration with associates to collect trends, statistics and market information.
  • A financial advisor produces in-depth financial reports.
  • A financial advisor meets performance and sales targets.
  • A financial advisor constantly updates clients about their investments.
  • A financial advisor talks to clients regarding their plans and finances.
  • A financial advisor negotiates with providers of financial products.
  • A financial advisor keeps a record of customers and transactions.
  • A financial advisor provides counselling, education and consultation with regards to investments and finances.

Newbury Financial Advice Services

Financial Advice Tasks Newbury

There is a variety of services that can be provided by your local Newbury financial advisor including trusts in Newbury, business protection, personal pensions advice in Newbury, investment plans in Newbury, cashflow planning, pension consolidation advice, ISA's, multi-asset portfolios, business planning in Newbury, pension planning, will writing services, money planning in Newbury, unit trusts, ethical investments in Newbury, annuities Newbury, inheritance tax planning, pension advice, pensions in divorce, retirement plans, divorce planning, mortgage services, bridging finance, mutual funds, financial services in Newbury, family income benefit, investment consolidation, corporate financial planning in Newbury, pension drawdowns, bereavement benefit advice in Newbury, investment bonds in Newbury, and lots more. Listed are just an example of the activities that can be handled by a financial advisor. Newbury professionals will tell you about their entire range of financial services.


Financial Advisors Near Newbury

Also find: Woolton Hill financial advisers, Winterbourne financial advisers, Highclere financial advisers, Boxford financial advisers, Snelsmore Common financial advisers, Marsh Benham financial advisers, Westbrook financial advisers, Newtown financial advisers, Bagnor financial advisers, Wash Common financial advisers, Curridge financial advisers, Benham Hill financial advisers, Bucklebury financial advisers, Adbury financial advisers, Woodspeen financial advisers, Stockcross financial advisers, Inkpen financial advisers, Newtown Common financial advisers, Shaw financial advisers, Chieveley financial advisers, Speen financial advisers, Donnington financial advisers, Ashmore Green financial advisers, Greenham financial advisers, Upper Bucklebury financial advisers, Hunts Green financial advisers, Wash Water financial advisers, Halfway financial advisers, Cold Ash financial advisers, Hoe Benham financial advisers, Crockham Heath financial advisers, Thatcham financial advisers, Enborne financial advisors and more. All these areas are covered by local financial advisers. Newbury residents can get financial advice quotes by clicking here.

Newbury Financial Advice Services

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Financial Advice Enquiries in Newbury Berkshire (01635)
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More Newbury Services: Undoubtedly, whenever you happen to be looking at your finances in Newbury, Berkshire, you will probably be in need of all types of different services and aside from a financial advisor in Newbury, Berkshire, you could also need debt recovery & collection in Newbury, contracts lawyers in Newbury, accountants in Newbury, solicitors in Newbury, tax preparation in Newbury, property law & conveyancing in Newbury, payroll services in Newbury, family lawyers in Newbury, mortgage advice in Newbury, mortgage brokers in Newbury, will writing in Newbury, business consulting in Newbury, investment advisors in Newbury, estate planning in Newbury, banruptcy lawyers in Newbury, business financial planning in Newbury, bookkeeping in Newbury, and other different Newbury experts.

Financial Advisors Around Newbury: Households in Town Mills, Shaw Road, Avon Way, Abbots Road, Byfields Road, Shepherds Mount, The Paddocks, Bell Holt, The Hollies, Adbury Holt, Chandos Road, Cottington Close, Sidestrand Road, The Halters, Burchell Road, St Michaels Road, Canal View Road, Dormer Close, Shop Lane, Speen Place, Badgers Ridge, Stable Court, Swan Court, Coxeter Road, Cold Harbour, Sunley Close, St Donats Place, The Sydings, Byron Close, Castle Grove, have needed financial advice just recently. Financial advisors have also been active in these Newbury area postcodes: RG14 1AP, RG14 1ER, RG14 1AW, RG14 1DN, RG14 1SJ, RG14 1BN, RG14 1TW, RG14 1SU, RG14 1HA, RG14 1EH. People residing in these local areas recently needed the help of a financial advisor. Newbury residents benefited from high quality and reliable financial services in every case.

To find local Newbury information click here

Independent financial advisor in RG14 area, (dialling code 01635).

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(This financial advisor Newbury content was edited and updated on 06-05-2022)