Financial Advisor Northam

Northam Independent Financial Advice & Investment

Financial Advisor Northam Devon (EX39): If you're in search of financial advice for the first time, trying to find a reliable financial advisor advisor in Northam can be a quite daunting experience. Whether it is mortgage, investments, pensions or even insurance advice that you're after, there is one common rule for all professional financial advisors; they all have to adhere to FCA (Financial Conduct Authority) regulations. This comes with certain guarantees, thus after taking advice from a FCA approved financial advisor in Northam, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if something should go wrong.

Free Northam Financial Advisor Quotes

Recommendations from friends and relations can be a decent starting place in picking a financial advisor in Northam, but bear in mind that their needs might be different to the type of advice you are looking for. Financial advice should be individually tailored to your unique situation, and you will find that some financial advisors may not be appropriate for you. To investigate the options that they can provide and find a financial advisor you feel comfortable with and can trust, it pays to speak to at least three different companies, because after all selecting a financial advisor is a big decision.

Financial Advisor Northam Devon (EX39)

When it comes to picking a financial advisor in Northam, there are basically two main types; restricted advisors and independent financial advisors. Offering a more diverse range of options, an IFA will not be confined to the services or products of just one company. Encompassing the whole spectrum of financial companies and products, independent financial advice should be given in a frank and unbiased way to clientele. If you decide to use an independent financial advisor, you'll be able to select from the broadest possible array of products, so as to find the ideal solution for your needs. A restricted financial advisor could be tied to services and products from a particular provider, or might even focus on a single product, as can be the case with a mortgage advisor.

Before any financial advisor in Northam accepts you as a client, they're required by the Financial Conduct Authority to discuss their charges with you. Although it can vary depending on the kind of service or product you are looking for, there may be an hourly rate, a set fee, or you could even be charged a specific percentage of what you are investing. A free first consultation might be offered, so you can discuss your objectives and circumstances to find out if the advisor is the right fit. Your account might be looked after by a team as opposed to one individual advisor, if you decide to go with one of the bigger companies in Northam.

Financial Advisors Northam UK (01237)

Before any financial advice is given you will have to fill in a confidential disclosure document, known as a "Fact Find" form, which informs the advising company about your objectives and financial situation. To provide information about the financial advisor, their situation for offering restricted or independent advice and the scope of their 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 provided, and wish to complain, this document will also lay out your own legal rights and the options you can take. It has to be easily understood, written in plain language, and outline exactly what you're signing up for, along with the risks and benefits of going along with the advice. This document must also inform you about the allowed cooling-off period. Within a certain time period, this enables you to cancel your agreement with the financial advisor.

You need to check the experience and qualifications of your financial advisor the first time you talk to them. Asking such questions should never cause you any embarrassment, because you're about to entrust them with your financial future. Every Northam financial advisor must be able to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. If the advisor's name does not appear on the Financial Services Register, you shouldn't panic, the company the individual works for will almost certainly be on the register and their personnel are all covered by the regulations. If these cannot be presented the individual may still offer financial guidance rather than financial advice. Guidance is different to advice as it's not regulated in the same way, and if financial mistakes occur there will probably be no recourse to either party.

Financial Advisor Quotes in Northam Devon

You will be asked the level of risk you are ready to take on, if you are seeking advice on investments. Many investments carry some degree of risk, but high risk investments could offer better rewards, and also more likelihood of losing some or all of your funds. In order to get the most effective financial and investment advice, your savings objectives will need to be given careful consideration, i.e. how much capital you want to invest, how quickly you need access to your money and long or short term investments. You must invariably ask yourself the one vital question, how much money can you actually afford to lose. This is generally referred to as your 'capacity for loss' and might affect the services and products that could be offered for your consideration.

Financial Advice Near Northam Devon

If you have already got any current regular outgoing payments, personal savings, mortgage loans or investments, 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. Reliable financial advice should allow for diversifying your investments and savings by spreading the risk across various products. So as to reflect your financial situation and your goals, a seasoned financial advisor in Northam will have the knowledge of the best products to consider.

Communicating in the clearest possible way, your financial advisor will lay bare the complex world of finance and investment. This will help you to compare services and products that meet your needs, and come to an informed decision. You can perhaps ask your financial advisor only to choose ethical savings and investments. This allows you to support firms and organisations which address your concerns, e.g. zero carbon or renewable energy, or perhaps avoiding companies that do not meet your requirements.

Having a close working relationship with a financial advisor in Northam could create complications with your work day and other commitments. Face-to-face appointments can be augmented with telephone calls and video conferencing to allow you to get advice at times that suit you. An experienced financial advice provider in Northam will have strict measures in place to keep your details secure and confidential, even if you hardly ever have a face-to-face meeting with your advisor, because home and remote working is no longer unusual.


You must remember that the financial sector can be unpredictable, and investment values could just as easily drop as well as rise. If it happens that your investment isn't making as much money as you were hoping for, it can be a frustrating and stressful time. However, unless it's down to wrong or misleading information from your advisor a downward spiraling of your investment is not seen as a grounds for complaint.

Independent Financial Advisor Near Northam (EX39)

Any grievances should commence with the company's complaints procedure as described in the Key Facts Document. You can let the Financial Ombudsman know about the problem if it is unsolved within the time period laid down by the regulating body, and the financial advisor is a member of the FCA.

The Financial Ombudsman will make a ruling after reviewing the cause of the complaint independently. If the complaint is upheld, a decision is made on how to financially compensate the client. Once the decision has been accepted by the client it becomes a legally binding decision which the advisor and their company, must comply with. The Financial Ombudsman will also take into account any trouble, upset, distress and inconvenience caused to the client during the process, and set the level of compensation accordingly.

Book a Financial Advisor in Northam UK

Financial advice can be provided in Northam and also in: Westward Ho!, Newton Tarcey, St Johns Chapel, Lydacott, Yelland, Fremington, Weare Giffard, Instow, Appledore, Handy Cross, Roundswell, Newton Tracey, Abbotsham, Bideford, and in these postcodes EX39 1DS, EX39 1NG, EX39 1NX, EX39 1GG, EX39 3PR, EX39 1LS, EX39 1XR, EX39 1DW, EX39 1TT, EX39 1HA. Local Northam financial advisers will likely have the postcode EX39 and the telephone dialling code 01237. Verifying this can make certain that you access locally based financial advisers. Northam property owners will be able to benefit from these and various other comparable services.

Northam Financial Advice Services

Financial Advice Tasks Northam

There is a wide range of services that can be provided by your local Northam financial advisor including annuity purchases, pension drawdowns Northam, savings advice in Northam, investment bonds, pension transfers, life assurance, financial advice services, unit trusts Northam, pension advice Northam, family income benefit in Northam, ethical investments, death benefit advice Northam, saving for children, inheritance tax planning, pension reviews, business planning, pension consolidation advice in Northam, stakeholder pension advice, wealth management, multi-asset portfolios Northam, ISA's, cash flow modelling, personal pensions advice, trustee investment services, life insurance advice, business protection, personal financial planning in Northam, general financial planning in Northam, investment consolidation advice, long term care fee planning, and more. These are just an example of the tasks that can be handled by a financial advisor. Northam professionals will tell you about their entire range of services.

Required Skills for Financial Advisors

  • A thorough understanding and knowledge of economics and accounting with regard to financial products and markets.
  • Good skills in verbal communication.
  • To be able to network and build solid relationships with customers.
  • To be thorough and pay attention to detail.
  • Effective skills in customer service for establishing client requirements and needs.
  • Excellent business management skills for negotiating product fees.
  • To be able to competently use a computer and the appropriate software.
  • To have a flexible work ethic.
  • A good level of mathematical knowledge for producing financial packages.
  • To be good at selling services and products.
  • Active interpersonal and listening skills.

A Financial Advisor's Regular Tasks

  • Financial advisors provide education, consultation and counselling regarding investments and finances.
  • Financial advisors maintain a record of transactions and customers.
  • Financial advisors make deals with with financial product providers.
  • Financial advisors talk with clients about their plans and finances.
  • Financial advisors work in collaboration with associates to collect trends, market information and statistics.
  • Financial advisors keep up to date with new financial products and regulation changes.
  • Financial advisors regularly update customers regarding their investments.
  • Financial advisors meet sales and performance targets.
  • Financial advisors produce comprehensive financial reports.
  • Financial advisors research financial products and explain them clearly and simply to their customers.

Financial Advice Enquiries Devon

Financial Advice Enquiries Devon

Recent Devon financial advice enquiries: Codie and Aubree Tolley in Culmstock recently enquired about offshore investments. Martin Forde in Bow recently asked for information on equity release. Yara and Harlan Wild from Mary Tavy, Devon recently enquired about offshore investments. Hawa Speed from Hatherleigh, Devon recently asked for information on family income benefit. Dylan Manning in Kenton recently asked for information on life assurance. Audrey Coulter and Olivier Coulter from Bradworthy recently asked about equity release. Patrick Olivier and Krystal Olivier in Silverton recently asked for information on mortgages. Sumayya Holland from Yealmpton, Devon recently asked about mortgage advice. All these local people did a search for "Garden Fencing Devon" and came across this page on either Yahoo, Google or Bing.


Financial Advisors Near Northam

Also find: Appledore financial advisers, Yelland financial advisers, Newton Tracey financial advisers, Instow financial advisers, Bideford financial advisers, Weare Giffard financial advisers, Fremington financial advisers, Handy Cross financial advisers, Roundswell financial advisers, Abbotsham financial advisers, St Johns Chapel financial advisers, Lydacott financial advisers, Newton Tarcey financial advisers, Westward Ho! financial advisors and more. All of these places are covered by local financial advisers. Northam residents can get financial advice price quotes by clicking here.

Northam Financial Advice Services

Find a Financial Advisor in Northam Here
Financial Advice Enquiries in Northam Devon (01237)
  • Northam Pension Advice
  • Northam Cashflow Analysis
  • Northam Financial Advice Quotes
  • Northam Life Insurance Advice
  • Northam Cheap Financial Advice
  • Northam Corporate Financial Advice
  • Northam Tax Advice
  • Northam Estate Planning
  • Northam Financial Advice
  • Northam Investment Advice
  • Northam Financial Services
  • Northam Wealth Management
  • Northam Retirement Planning
  • Northam Mortgage Advice

Financial Advisors Around Northam: In the past twelve months financial advice was provided in these Northam streets: Cherry Park, Durrant Lane, Pusehill Road, Riversmeet, Windsor Road, The Fairways, Castle Street, Market Street, Youngaton Road, Kala Fair, Daneshay, Hubbastone Road, Northdene, Chantry Avenue, Nilgala Close, Knights Field Way, Tadworthy Road, Tudor Close, Tomouth Crescent, Hilltop Road, Chircombe Lane, Lever Close, Staddon Road, Glen Gardens, Orchard Rise, Lower Cleave, Lenwood Road, Alpha Place, Lily Close, and in these Devon postcodes: EX39 1DS, EX39 1NG, EX39 1NX, EX39 1GG, EX39 3PR, EX39 1LS, EX39 1XR, EX39 1DW, EX39 1TT, EX39 1HA. Folks living in these areas recently required help from a financial advisor. Northam residents enjoyed professional and competent financial services.

To obtain local info about Northam, Devon check here

Northam Financial Advisor Jobs: View financial adviser jobs in Northam here: General Financial Advisor Jobs

Independent financial advisor in EX39 area, (dialling code 01237).

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(This financial advisor Northam page was reviewed and updated on 28-06-2022)