Financial Advisor Oldbury

Oldbury Independent Financial Advice & Investment

Financial Advisor Oldbury West Midlands (B68): If you're in search of financial advice for the first time, trying to find a first-rate independent financial advisor in Oldbury can be an intimidating experience. Whether it's investments, pensions, mortgage or even insurance guidance that you're looking for, there's one common rule for all financial advisors; they must all comply with Financial Conduct Authority regulations. The benefit of this is that if a financial advisor who is FCA approved gives you poor quality advice, and things go wrong, you have guarantees, and are able to contact the Financial Services Compensation Scheme or the Financial Ombudsman to have it put right.

Free Oldbury Financial Advisor Quotes

A good starting place when picking a financial advisor in Oldbury can be neighbours and friends, but remember that the sort of advice you are looking for may be different to theirs. Any advice they provide needs to be tailored to your particular circumstances, and every financial advisor is not suitable for everybody. To explore the options that they're offering and find a financial advisor you feel comfortable with and can trust, it pays to talk to at least three different companies, because picking a financial advisor is an important decision.

Financial Advisor Oldbury West Midlands (B68)

Restricted advisors and independent financial advisors, are the two main kinds of financial advisor in Oldbury. An independent financial advisor should not be confined to a single provider's products or services. Encompassing the entire spectrum of financial products and companies, independent financial advice should be given in a frank and unbiased way to clients. Using an independent financial advisor should enable you to choose from the broadest possible range of services. A restricted advisor could be tied to services and products from a particular company, or may even focus on an individual product, as in the case of a mortgage advisor.

Before any Oldbury financial advisor takes you on as a client, they are required by the Financial Conduct Authority to be transparent about their charges. You may be charged by the hour, a set fee or possibly even a proportion of your investment, based upon services you are looking for. You could be offered the possibility of a free first consultation to enable you to discuss your aims and find out if the advisor is suitable for you and your situation. In some of the larger Oldbury companies, you may find that your account is managed by a team as opposed to an individual.

Financial Advisors Oldbury UK (0121)

To summarise your financial situation and objectives to the advising company, you will have to complete a "Fact Find" form, which is a confidential disclosure document. You'll also be given a Key Facts Document, or Initial Disclosure Document, which gives you information on the financial advisor, their situation for offering independent or restricted advice and their range of permissions in the financial market. Your own rights should also be set out in this document, together with the possible options you can take if you want to complain because you're not satisfied with the service you're given. It must be written in plain language and detail what you're committing yourself to, and any possible benefits and risks that exist if you opt to go along with the offered advice. You will find the amount of cooling-off period in the Key Facts Document. This makes it possible for you to cancel the contract within a specific time period, and if any penalties are incurred.

When speaking with your financial advisor the very first time you should check their qualifications and experience. Asking these questions shouldn't be a cause for embarrassment, because after all you're about to entrust them with your long-term financial wellbeing. Every financial advisor in Oldbury 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 should not panic if your particular financial advisor's name does not show up on there; you will probably locate the company name, and that means the legislation covers all of their staff. If these can't be provided the person can still offer financial guidance instead of advice. Guidance is not regulated in the way that financial advice is, meaning that if mistakes are made the client won't have any recourse.

Financial Advisor Quotes in Oldbury West Midlands

You will be asked the amount of risk you're ready to take on, if you are seeking advice on investments. High risk investments could offer substantial rewards, however some or all of your funds could be lost. In order to get the best financial and investment advice, your savings goals will need to be taken into account, i.e. short or long term investments, how much you have to invest and how quickly you need access to your money. You must always ask yourself the one vital question, how much money can you actually afford to lose. Known as your capacity for loss, this will very likely have an effect on services and products that you're offered.

Financial Advice Near Oldbury West Midlands

Right from the start, it is imperative that you let your financial advisor know about any existing savings, mortgages, regular outgoing payments or investments that you currently have. To make certain that you receive the most suitable advice for you, they need a clear and full picture of your financial situation. Good financial advice should allow for diversifying your investments and savings by spreading the risk load across a range of different products. A qualified financial advisor in Oldbury will be aware of the best products to consider, which reflect your financial situation and your goals.

A financial advisor will throw open the multifaceted world of finance, and try to converse in as much plain speech as possible. This will allow you to compare services and products that match your needs, and come to an informed decision. If you're mind is firmly on the environment, you could even ask your financial advisor to stick to ethical savings and investments. You will then be able to keep away from corporations that firms meet your criteria, but instead support those companies and businesses that match your concerns, for example renewable energy or zero carbon.

It may prove tricky to manage work and other obligations around working closely with your financial advisor in Oldbury. This can be reduced by augmenting face-to-face appointments with video conferencing and telephone, therefore allowing you to seek the advice you need at a convenient time. Even if you hardly ever have a face-to-face meeting with your advisor, an experienced financial advice company in Oldbury will have strict measures in force to keep your details confidential and secure, because working from home and remote working is now a large part of our society.


Investment values could go down as well as up, and this is something that you must bear in mind. If it just so happens that your investment fails to make as much money as you hoped for, it can be an extremely disheartening and worrying time. Regrettably, a downward spiraling of your investment is not seen as a basis for complaint, except if it's due to misleading or wrong information from your advisor.

Independent Financial Advisor Near Oldbury (B68)

The company's complaints procedure should be the place to start with any disputes, and the Key Facts Document will explain this. 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 registered with the FCA.

The Financial Ombudsman will independently review the cause for complaint and come to a decision. If it's found that the complaint is justifiable, a decision will be made on how the customer can be compensated. On acceptance by the client, the ruling will become a legally binding one, and the advisor and their company must comply with it. The Ombudsman will also take into consideration any annoyance, distress, trouble and inconvenience caused to the client during the situation, and set the level of compensation accordingly.

Book a Financial Advisor in Oldbury UK

Financial advice can be provided in Oldbury and also nearby in: Tividale, Warley, Swan Village, Langley, Handsworth, Rowley Regis, West Smethwick, Horseley, Quinton, Brades Village, Guns Village, West Bromwich, Black Lake, Londonderry, Blackheath, as well as in these postcodes B68 0JY, B68 0AS, B65 0QZ, B68 0QH, B68 0EZ, B65 0QY, B68 0NF, B32 2AD, B68 0HA, B68 0DY. Locally based Oldbury financial advisors will most likely have the dialling code 0121 and the postcode B68. Verifying this will guarantee you access locally based financial advisers. Oldbury property owners are able to benefit from these and many other similar services. Simply click the "enquiry" banner or form to get info on financial advisors in your location.

Oldbury Financial Advice Services

Financial Advice Tasks Oldbury

There is a wide range of services which can be provided by your local Oldbury financial advisor including financial advice services in Oldbury, annuity purchase, pension advice, personal protection Oldbury, life assurance in Oldbury, business planning, business protection, multi-asset portfolios, stakeholder pension advice, inheritance tax planning, ISA's Oldbury, corporate bonds, mortgage services, pension transfers Oldbury, equity release Oldbury, pension drawdowns, will writing services, ethical investments, personal pensions Oldbury, wealth management & investments Oldbury, corporate financial planning, investment bonds, tax advice, investment consolidation advice in Oldbury, pension reviews in Oldbury, general financial planning Oldbury, offshore investments, unit trusts in Oldbury, trusts, cashflow analysis Oldbury, and lots more. These are just an example of the tasks that can be undertaken by a financial advisor. Oldbury professionals will keep you informed about their whole range of services.

Daily Duties of a Financial Advisor

  • A financial advisor produces in-depth financial reports.
  • A financial advisor negotiates with financial product providers.
  • A financial advisor keeps fully up to date with regulation changes and new financial products.
  • A financial advisor speaks with customers regarding their plans and finances.
  • A financial advisor meets performance and sales targets.
  • A financial advisor maintains detailed records of transactions and customers.
  • A financial advisor works in collaboration with colleagues to obtain statistics, trends and market information.
  • A financial advisor provides counselling, consultation and education with regards to investments and finances.
  • A financial advisor recommends the best-suited financial products to clients.
  • A financial advisor updates customers regarding their investments.

Financial Advisors West Midlands

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

In the West Midlands area you can also find: Blakenhall investment advice, Dickens Heath financial advisors, Fallings Park financial advisors, Netherton financial advice, Stirchley investment advice, Knowle investment advisors, Cheswick Green investment advice, Balsall Common investment advice, Selly Oak financial advisors, Castle Vale financial advisors, Knowle financial advisors, Northfield investment advisors, Streetly investment advisors, Bickenhill investment advice, Shard End financial advice, Wordsley investment advice, Acocks Green investment advisors, Erdington investment advisors, Berkswell financial advice, Tidbury Green financial advice, Smiths Wood financial advice, Cradley Heath investment advice, Netherton investment advisors, Meriden financial advisors, Coseley financial advice, Brandhall financial advisors, Quarry Bank financial advice, Bilston investment advice, Nechells financial advice.


Financial Advisors Near Oldbury

Also find: Warley financial advisers, Londonderry financial advisers, Brades Village financial advisers, Quinton financial advisers, Horseley financial advisers, Swan Village financial advisers, Langley financial advisers, West Bromwich financial advisers, Handsworth financial advisers, West Smethwick financial advisers, Black Lake financial advisers, Blackheath financial advisers, Guns Village financial advisers, Rowley Regis financial advisers, Tividale financial advisors and more. Most of these areas are covered by local financial advisers. Oldbury residents can get financial advice quotes by going here.

Oldbury Financial Advice Services

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Financial Advisors Around Oldbury: Financial advisors were recently needed by people living in Clent Road, Birch Crescent, Dog Kennel Lane, St Michaels Crescent, Anvil Drive, Salop Street, Birmingham Road, Spring Walk, Bloxcidge Street, Titford Road, Brandhall Lane, All Angels Walk, Corfe Drive, Ashtree Road, Aldridge Road, Tudor Road, Tat Bank Road, Brookfields Road, Brennand Road, Cookley Way, Apollo Road, School Close, Apsley Road, Silverlands Avenue, Strawberry Close, Bury Hill Road, Cross Street, Tower Rise, Dingle Street and these Oldbury postcodes: B68 0JY, B68 0AS, B65 0QZ, B68 0QH, B68 0EZ, B65 0QY, B68 0NF, B32 2AD, B68 0HA, B68 0DY. Folks in these areas recently requested the help of a financial advisor. Oldbury residents benefited from high quality and dependable financial services on each occasion.

For the best local information relating to Oldbury, West Midlands check here

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

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(This financial advisor Oldbury information was successfully updated on 01-09-2022)