Financial Advisor Oswestry

Oswestry Independent Financial Advice & Investment

Financial Advisor Oswestry Shropshire (SY10): It can be a daunting experience trying to locate a first-rate financial advisor advisor in Oswestry, especially if it's the very first time that you're in search of financial advice. Nevertheless, all qualified financial advisors are bound by one common rule; they must all stick to the regulations laid down by the Financial Conduct Authority (FCA), regardless of whether you're searching for pensions, investment, mortgage or even insurance guidance. This comes with certain guarantees, so after getting advice from a FCA authorised financial advisor in Oswestry, you can seek reparation from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if anything goes wrong.

Free Oswestry Financial Advisor Quotes

A good starting point in choosing a financial advisor in Oswestry may be friends and relations, but bear in mind that the sort of advice you are searching for might be significantly different to theirs. Any advice they provide needs to be personalised to your specific situation, and every financial advisor is not suitable for everyone. It is wise to talk with at least three different companies when you are choosing a financial advisor, as this is a big decision, and you'll be looking to find one that you can trust and feel at ease with, and investigate the various options they offer.

Financial Advisor Oswestry Shropshire (SY10)

Restricted advisors and independent financial advisors, are the 2 principal kinds of financial advisor in Oswestry. The advantage of seeing an independent financial advisor is that they should not be confined to a single company's products or services, and can offer a wide range of options. Independent financial advice should cover the whole spectrum of financial companies and products, and should be offered in an impartial way. This will enable you to choose from the broadest range of products to meet your needs. A restricted financial advisor may be concerned with a single product, as with a mortgage advisor, or be restricted to products and services from a specific firm.

The Financial Conduct Authority demands that any financial advisor in Oswestry must be transparent about their charges, before accepting you as a client. You might be charged by the hour, a set fee or possibly even a percentage of your investment, dependant upon kind of services you require. To discuss your goals and find out if the advisor is the proper choice for you and your circumstances, you might be offered the possibility of a free preliminary consultation. If you go to one of the larger Oswestry firms, your account could be looked after by a team of advisors rather than just one individual.

Financial Advisors Oswestry UK (01691)

You will be required to fill in a "Fact Find" form, which is a confidential disclosure document relating your financial situation and objectives to the advising company. You will also be handed a Key Facts or Initial Disclosure Document, which provides you with information about the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial arena. Your rights will also be spelled out in this document, along with the options you can take if you need to complain because you're not satisfied with the service you are given. It must be written in plain language and detail what you are signing up for, and any possible risks and benefits should you opt to accept the advice offered. You can find the amount of cooling-off period in this document. This enables you to cancel your contract with the financial advisor within a certain period of time, and if any penalty charges are incurred.

You'll want to check the qualifications and experience of the financial advisor when you first speak to them. After all you're on the verge of entrusting your long-term financial wellbeing to their expertise, so you should never be self-conscious about asking these questions. A Level 4 qualification in financial advice is the minimum qualification for any financial advisor in Oswestry, and they also have to be able to present an annual Statement of Professional Standing. If your advisor's name does not appear on the Financial Services Register, don't freak out, the company the individual works for should be found on the register and their advisors are all covered by the regulations. If these cannot be presented the person may still offer financial guidance as opposed to financial advice. In terms of finance guidance differs to advice and isn't regulated in the same way. Therefore there's no recourse for the client if errors arise.

Financial Advisor Quotes in Oswestry Shropshire

If you're needing advice on investing money you will be asked about the level of risk you're comfortable with. High risk investments may offer substantial rewards, but some or all of your capital could be lost. In order to get the best financial and investment advice, your savings objectives will need to be carefully considered, i.e. how quickly you need access to your money, long or short term investments and how much you have to invest. You must invariably ask yourself the one vital question, how much money can you really afford to lose. Generally referred to as your capacity for loss, this will most likely affect the services and products that you are offered.

Financial Advice Near Oswestry Shropshire

You'll want to tell your financial advisor about your current investments, regular outgoing payments, personal savings or mortgages. This will give a clear picture of your financial situation, without which the advice you get might not be the most suitable for you. Diversifying your savings and investments by spreading the risk load across a number of different products, is a vital part of sound financial advice. A professional financial advisor in Oswestry will have the knowledge of the best products to consider, which mirror your financial situation and your goals.

Communicating in the plainest speech possible, your financial advisor will reveal the complex world of finance and investment. After comparing the various services and products which meet your needs, you should be able to come to an informed and deliberative decision. You could even ask your financial advisor to only choose ethical investments and savings. This does not just give you investment opportunities, but also allows you to lend your support to zero carbon or green energy projects, and avoid companies that don't share the same values as you do.

It could prove difficult to manage your work day and other commitments around a close working relationship with a financial advisor in Oswestry. To enable you to get advice at a time to suit you, face-to-face meetings can be backed up with telephone calls and video conferencing. Working from home and remote working is now so common, and an established financial advice company in Oswestry will have strict measures in place to ensure your details are kept secure and confidential, even if you hardly ever have a face-to-face meeting with your advisor.


Investments can be an unpredictable area, and values could fall as well as rise. If it just so happens that your investment isn't making the amount of money you hoped for, it can be a stressful and demoralising time. A downward spiral in your investment is not seen as a cause for complaint, unless your advisor has supplied you with incorrect or misleading information.

Independent Financial Advisor Near Oswestry (SY10)

As outlined in the Key Facts Document, any disputes should start with the firm's official complaints procedure. If the financial advisor is a member of the Financial Conduct Authority, you can tell the Financial Ombudsman about the issue if it is unresolved within the period set out by the regulating authority.

After looking into the cause for complaint, the Financial Ombudsman will make a ruling on the issue. A decision will be made on how to rectify or financially compensate the customer, if the complaint is upheld. The financial advisor and their firm must comply with any decision that's made by the Ombudsman, which becomes legally binding once the client has accepted it. Any compensation fixed by the Ombudsman will also account for any upset, distress, hassle and inconvenience caused to the customer during the process.

Book a Financial Advisor in Oswestry UK

Financial advice can be provided in Oswestry and also in: Selattyn, Maesbury Marsh, Kinnersley, Morda, Gledrid, Trefonen, West Felton, Mile End, Pant, Gobowen, Brogyntyn, Knockin, Middleton, Glentworth, Whittington, Park Hall, as well as in these postcodes SY11 1DZ, SY11 1BS, SY11 1FD, SY11 1BJ, SY11 1HU, SY10 9DB, SY10 7HH, SY11 1HH, SY11 1EW, SY11 1BN. Local Oswestry financial advisors will most likely have the postcode SY10 and the telephone code 01691. Checking this out will make certain that you're accessing local financial advisers. Oswestry homeowners will be able to utilise these and lots of other similar services. Click on the "enquiry" banner to get information on financial advisors in your location.

Pension Planning

Pension planning is a vital step towards a secure retirement. By engaging a financial advisor's services, one can witness a notable enhancement of this process. Assessing your current financial circumstances and understanding your retirement goals, a competent advisor will design a personalised pension strategy. Workplace pensions, the State Pension, and self-invested personal pensions are among the UK pension choices they navigate with intricacies. You can take advantage of their expertise to make informed decisions about tax implications, contributions and investment choices. To create a robust pension plan, providing peace of mind and financial stability for your future, working with a financial advisor in Oswestry is essential.

The State Pension, a government-backed scheme that provides a basic level of retirement income, is at the centre of UK pension planning. The number of National Insurance contributions you make over your working life will typically determine how much State Pension you will receive. The importance of understanding the intricacies of the State Pension scheme has increased, due to changes to the State Pension age and the number of qualifying years. (42316)

Oswestry Financial Advice Services

Financial Advice Tasks Oswestry

There is a wide range of services which can be provided by your local Oswestry financial advisor including financial analyst services, unit trusts, investing an inheritance, life insurance advice in Oswestry, mutual funds, pension planning in Oswestry, corporate financial planning, wealth management & investments, investment bonds, will writing services, financial planning, offshore investment advice, general financial planning, life assurance, long term care fee advice, business financial planning, pension consolidation, personal financial planning in Oswestry, bereavement benefit advice, portfolio management, financial services, equity release advice in Oswestry, corporate bonds, retirement plans, tax planning Oswestry, savings advice, trusts, investment reviews, cash flow modelling Oswestry, money planning, and lots more. Listed are just a selection of the activities that can be conducted by a financial advisor. Oswestry professionals will be delighted to keep you abreast of their entire range of services.

The Day to Day Tasks of a Financial Advisor

  • A financial advisor negotiates with providers of financial products.
  • A financial advisor updates clients regarding their investments.
  • A financial advisor keeps fully up to date with new products and regulation changes.
  • A financial advisor speaks with customers about their plans and finances.
  • A financial advisor keeps a record of clients and transactions.
  • A financial advisor provides counselling, consultation and education regarding investments and finances.
  • A financial advisor meets performance and sales targets.
  • A financial advisor researches financial products and explains them simply and clearly to customers.
  • A financial advisor produces financial reports.
  • A financial advisor works with peers to gather market information, statistics and trends.

Skills Needed by Financial Advisors

  • Effective customer service skills for establishing client requirements.
  • To pay attention to detail and be thorough.
  • A good level of math knowledge for producing financial plans.
  • Outstanding verbal communication skills.
  • To have good IT skills.
  • To have a target driven mindset.
  • An excellent understanding and knowledge of accounting and economics relating to financial products and markets.
  • The ability to sell services and products.
  • Excellent business management skills for negotiating product fees.
  • To be able to network and build relationships with customers.
  • Attentive interpersonal and listening skills.

Financial Advisors Near Oswestry

Also find: Park Hall financial advisors, West Felton financial advisors, Trefonen financial advisors, Mile End financial advisors, Knockin financial advisors, Brogyntyn financial advisors, Glentworth financial advisors, Maesbury Marsh financial advisors, Pant financial advisors, Morda financial advisors, Gledrid financial advisors, Kinnersley financial advisors, Whittington financial advisors, Selattyn financial advisors and more. Financial advisers are available for consultations in all of these areas. Homeowners in the region can make enquiries about financial advice by going here.

Oswestry Financial Advice Services

Find a Financial Advisor in Oswestry Here
Financial Advice Enquiries in Oswestry Shropshire (01691)
  • Oswestry Wealth Management
  • Oswestry Pension Advice
  • Oswestry Cheap Financial Advice
  • Oswestry Financial Advice Quotations
  • Oswestry Corporate Financial Advice
  • Oswestry Estate Planning
  • Oswestry Independent Financial Advice
  • Oswestry Life Insurance Advice
  • Oswestry Financial Services
  • Oswestry Retirement Advice
  • Oswestry Cashflow Analysis
  • Oswestry Investment Advice
  • Oswestry Tax Advice
  • Oswestry Trustee Investments

To obtain local Oswestry information take a look here

Independent financial advisor in SY10 area, telephone code 01691.

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(This financial advisor Oswestry information was edited and updated on 20-02-2024)