Financial Advisor Oldbury

Oldbury Independent Financial Advice & Investment

Financial Advisor Oldbury West Midlands (B68): If you're in search of financial advice for the very first time, trying to locate a first-rate financial advisor advisor in Oldbury can be a challenging experience. Whether you are searching for pensions, mortgage, investment or even insurance advice, all professional financial advisors have one thing in common; they all have to follow the regulations of the Financial Conduct Authority. This comes with some guarantees, so after taking advice from a FCA authorised financial advisor in Oldbury, you can seek recompense from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if if things go awry.

Free Oldbury Financial Advisor Quotes

When choosing a financial advisor in Oldbury, a decent place to begin could be friends and relatives, however you must remember that your situation might not be in line with theirs, and you might need a different sort of advice. Financial advice should be specifically tailored to your unique situation, and you'll find that some financial advisors might not be suitable for your requirements. It is a good idea to speak to at least 3 different companies when you're picking a financial advisor, since this is a big decision, and you need to find one that you can trust and feel comfortable with, and at the same time explore the options they offer.

Financial Advisor Oldbury West Midlands (B68)

There are 2 principal types of financial advisor in Oldbury; independent financial advisors (IFA) and restricted advisors. An IFA will not be confined to just one company's services and products. Independent financial advice should encompass the full spectrum of financial companies and products, and must be offered in an impartial way. Using an independent financial advisor should enable you to pick from the broadest possible array of services. If you go to a restricted advisor you will discover that they may be restricted to products and services of a single firm, or as in the case of a mortgage advisor, might only be involved with one product.

The FCA requires that any financial advisor must tell you about their charges, before taking you on as a client. Although it can vary subject to the type of product or service you're looking for, there may be a set fee, an hourly rate, or you may even be charged a slice of what you're investing. A free first consultation might be offered, so you can discuss your goals and situation to determine whether the advisor is the best fit. In some of the bigger Oldbury firms, you could find that your account is managed by a team rather than an individual advisor.

Financial Advisors Oldbury UK (0121)

You will need to complete a "Fact Find" form, which is a confidential disclosure document relating your targets and financial situation to the advising firm. An Initial Disclosure, or Key Facts Document will also be given to you, to provide details of the financial advisors themselves, detailing the scope of their permissions in the financial market and their situation for offering restricted or independent advice. This document should also lay out your own rights and the options you can take if you're not happy with the service provided, and would like to submit a complaint. It has to be typed out in plain language and describe what you are committing yourself to, and any potential risks and benefits if you decide to go along with the advice offered. The allowed cooling-off period should also be spelled out in this Key Facts Document. This enables you to change your mind within a certain period of time, and cancel the agreement with your financial advisor.

When talking with the financial advisor initially ensure that you check their qualifications and experience. After all you're just about to entrust your financial future to their expertise, so you should not be embarrassed about asking these questions. A Level 4 qualification is the minimum required qualification for any Oldbury financial advisor, and they must also be able to present you with an annual Statement of Professional Standing. When you check the Financial Services Register, you should not panic if your particular advisor's name does not show up on there; you ought to be able to find the firm name, and that means the legislation covers all of their employees. If these cannot be provided the individual can still offer financial guidance as opposed to advice. Guidance is not subject to regulations in the same way as financial advice, which means that if mistakes are made neither party will have any recourse.

Financial Advisor Quotes in Oldbury West Midlands

If it's investing money that you are interested in, the advisor will ask you about the amount of risk you might be ready and able to take with your hard-earned cash. Bigger rewards may be possible with higher risk investments, but you may also lose all or some of your money. Your savings objectives will have to be considered if the best financial and investment advice is to be given, i.e. how quickly you need to access your money, short or long term investments and how much you have to invest. One question you should ask yourself, which is frequently neglected, is how much money you can actually afford to lose. This may influence the products and services that you're offered, and is known as your 'capacity for loss'.

Financial Advice Near Oldbury West Midlands

If you have already got any existing savings, regular outgoings, investments or mortgage loans, you must let your financial advisor know about these. This will give a full and clear picture of your financial situation, and without this the advice you're given may not be the most suitable for you. Sound financial advice should allow for diversifying your investments and savings by spreading the risk across a number of different products. Having a knowledge of the best areas to consider, a seasoned financial advisor will focus attention on products that fit in with your financial situation and goals.

Your financial advisor will attempt to communicate in the clearest possible way, to lay bare the complex world of finance. This will enable you to compare services and products that meet your needs, and make an informed decision. You could ask your financial advisor only to choose ethical savings and investments. This does not just give you investment possibilities, but also enables you to support zero carbon or green energy projects, and stay away from those that don't share the same values.

It isn't that easy to work closely with a financial advisor in Oldbury without this impacting on work and other obligations. This can be alleviated by supplementing face-to-face meetings with video conferencing and phone calls, therefore enabling you to get the guidance you need at times that are convenient. Working from home and remote working is now a large part of our society, and a professional financial advice provider in Oldbury will have rigorous measures in place to keep your details confidential and secure, even if you never have a one-to-one meeting with your advisor.


The value of your investments could drop as well as rise, and this is something that you must always bear in mind. If your investment is not making as much money as you were hoping for, it can be quite stressful and demoralising. However, unless it is owing to wrong or misleading information from your advisor a downward trend in your investment isn't seen as a cause for complaint.

Independent Financial Advisor Near Oldbury (B68)

Any grievances should start out with the company's complaints procedure as laid out in the Key Facts Document. If your financial advisor is registered with the Financial Conduct Authority, you can inform the Financial Ombudsman of the issue if it remains unsolved within the time-frame laid down by the regulating authority.

The Financial Ombudsman will make a ruling after independently reviewing the cause of the complaint. If it is established that the complaint is justified, a decision will be made on how the customer can be financially compensated. This becomes a legally binding decision as soon as it has been agreed on by the customer, and the financial advisor and their company must abide by the decision. Any compensation fixed by the Ombudsman will also take into consideration any inconvenience, upset, distress and trouble caused to the client during the dispute.

Book a Financial Advisor in Oldbury UK

Financial advice can be provided in Oldbury and also nearby in: Londonderry, Black Lake, Tividale, Rowley Regis, Langley, Swan Village, Warley, Quinton, Handsworth, Horseley, Guns Village, West Smethwick, Blackheath, Brades Village, West Bromwich, as well as in these postcodes B67 7JY, B68 0JW, B68 0JG, B67 5NQ, B68 0AJ, B68 0HG, B68 0BQ, B68 0DY, B68 0ND, B67 7HE. Local Oldbury financial advisors will likely have the postcode B68 and the telephone code 0121.

Necessary Skills for Financial Advisors

  • Good business management skills for negotiating product prices.
  • To pay attention to detail and be thorough.
  • Excellent customer service skills for finding out client requirements.
  • An outstanding level of math knowledge for producing financial strategies.
  • To have the ability to listen attentively
  • The ability to sell products and services.
  • To be capable of using a computer and the principal software applications.
  • Good skills in verbal communication.
  • To have the ability to network and establish relationships with clients.
  • An excellent knowledge and understanding of economics and accounting associated with financial products and markets.
  • To have a target driven attitude.

Financial Advisors West Midlands

West Midlands Oldbury Advisor Advisers Financial Advice Financial Financial Advisor Advisors Advice B68 0121 Services Investment

In West Midlands you'll also obtain: Earlsdon investment advice, Shard End investment advisors, Castle Vale investment advisors, Ladywood investment advisors, Fallings Park investment advisors, Castle Vale financial advisors, Handsworth Wood investment advice, Blackheath financial advisors, Longbridge investment advisors, Balsall Common financial advice, Pheasey financial advisors, Ettingshall financial advisors, Shard End financial advisors, Billesley financial advice, Cheswick Green investment advisors, Quarry Bank investment advisors, Tyburn investment advisors, Coseley investment advisors, Bartley Green investment advice, Gornal financial advisors, Stechford financial advice, Marston Green investment advice, Sparkbrook investment advisors, Castle Bromwich financial advisors, Netherton investment advice, Merry Hill financial advisors, Dickens Heath financial advisors.

Oldbury Financial Advice Services

Financial Advice Tasks Oldbury

There is a variety of services that can be provided by your local Oldbury financial advisor including pension reviews, stakeholder pensions in Oldbury, annuities Oldbury, will writing services in Oldbury, bridging finance Oldbury, life insurance, financial analyst services, offshore investment advice, pension transfers, trusts Oldbury, ISA's Oldbury, long term care fee planning, inheritance tax planning, wealth management & investments, tax advice Oldbury, retirement advice in Oldbury, cheap financial advice, business financial planning Oldbury, annuity purchases Oldbury, income protection in Oldbury, trustee investment services, pension drawdowns, independent financial advice, cashflow analysis, personal financial planning Oldbury, and more.


Financial Advisors Near Oldbury

Also find: West Bromwich financial advisors, Tividale financial advisors, West Smethwick financial advisors, Guns Village financial advisors, Black Lake financial advisors, Langley financial advisors, Handsworth financial advisors, Brades Village financial advisors, Quinton financial advisors, Rowley Regis financial advisors, Horseley financial advisors, Warley financial advisors, Swan Village financial advisors, Blackheath financial advisors, Londonderry financial advisors and more.

Oldbury Financial Advice Services

Find a Financial Advisor in Oldbury Here
Financial Advice Enquiries in Oldbury West Midlands (0121)
  • Oldbury Investment Advice
  • Oldbury Independent Financial Advice
  • Oldbury Trustee Investments
  • Oldbury Estate Planning
  • Oldbury Financial Advice Quotes
  • Oldbury Wealth Management
  • Oldbury Retirement Advice
  • Oldbury Life Insurance Advice
  • Oldbury Mortgage Advice
  • Oldbury Pension Advice
  • Oldbury Financial Services
  • Oldbury Inheritance Advice
  • Oldbury Cheap Financial Advice
  • Oldbury Corporate Financial Advice

Financial Advisors Around Oldbury: Folks who live in the following streets and roads have just recently inquired about financial advice - Trafalgar Court, St Andrews Drive, Darby Road, Apsley Road, Dale Terrace, Shelbourne Close, Canal Street, Stanley Road, Brindley Court, Clun Close, Corfe Drive, Dudley Road West, Bristnall Hall Lane, Tat Bank Road, Broadway, Castle Road East, Dog Kennel Lane, Bernard Road, Dudley Road, Bristnall Hall Road, Bromford Park, School Close, Beatrice Walk, Brennand Close, Douglas Road, Brandhall Road, Cookley Way, Cornwall Avenue, as well as the following local Oldbury postcodes: B67 7JY, B68 0JW, B68 0JG, B67 5NQ, B68 0AJ, B68 0HG, B68 0BQ, B68 0DY, B68 0ND, B67 7HE.

More Oldbury Services: Needless to say, when you're looking at your finances in Oldbury, West Midlands, you are likely to need all kinds of different services and apart from a financial advisor in Oldbury, West Midlands, you could also need debt recovery & collection in Oldbury, investment advisors in Oldbury, tax preparation in Oldbury, estate planning in Oldbury, business consulting in Oldbury, bookkeeping in Oldbury, contracts lawyers in Oldbury, mortgage brokers in Oldbury, banruptcy lawyers in Oldbury, accounting in Oldbury, mortgage advice in Oldbury, business financial planning in Oldbury, solicitors in Oldbury, property law & conveyancing in Oldbury, payroll services in Oldbury, wills in Oldbury, family lawyers in Oldbury, and other different Oldbury experts.

To get local information about Oldbury, West Midlands look here

Independent financial advisor in B68 area, (dialling code 0121).

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