Financial Advisor Ottery St Mary

Ottery St Mary Independent Financial Advice & Investment

Financial Advisor Ottery St Mary Devon (EX11): It can be a daunting experience trying to locate a first-rate independent financial advisor in Ottery St Mary, particularly if it's the first time that you are in search of financial advice. Whether you are looking for pensions, mortgage, investments or even insurance guidance, all financial advisors are bound by one common rule; they must all follow the regulations set by the Financial Conduct Authority. Any advice given through a FCA approved financial advisor in Ottery St Mary comes with guarantees that if anything should go wrong, you can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.

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Recommendations from friends and neighbours can be a good starting point in selecting a financial advisor in Ottery St Mary, but keep in mind that their situation may be different to what you are looking for. Their advice needs to be personalised to your specific situation, and not every financial advisor is suitable for everybody. Choosing a financial advisor is an important decision and it is wise to speak with at least 3 different firms so as to investigate the options they can offer, and to find one that you can trust and feel comfortable with.

Financial Advisor Ottery St Mary Devon (EX11)

Independent financial advisors and restricted advisors, are the 2 main types of financial advisor in Ottery St Mary. The advantage of using an IFA is that they should not be confined to the services and products of just one company, and can offer a more extensive range of options. Independent financial advice should cover the entire gamut of financial companies and products, and should be given in an impartial way. Consulting an IFA should enable you to select from the broadest possible range of products. A restricted advisor may be concerned with a single product, as with a mortgage advisor, or be restricted to products and services from a single firm.

The Financial Conduct Authority requires that any Ottery St Mary financial advisor must tell you about their charges, before taking you on as a client. In accordance with the kind of services you are looking for, you could be charged a set fee, by the hour or possibly even a specific percentage of your investment value. A free first consultation could be offered, so you can discuss your objectives and circumstances to determine whether the advisor is a good fit. If you go with one of the bigger Ottery St Mary firms, your account might be managed by a team of advisors rather than just one individual.

Financial Advisors Ottery St Mary UK (01404)

Before any financial advice is handed out you'll have to fill in a confidential disclosure form, known as a "Fact Find" document, which tells the advising firm about your desired goals and financial situation. An Initial Disclosure, or Key Facts Document will also be given to you, to provide details about the financial advisors themselves, explaining the scope of their permissions in the financial arena and their status to offer independent or restricted advice. This document should also lay out your own legal rights and the options you can take if you are not satisfied with the service provided, and want to complain. It should detail what you are committing yourself to, and any potential risks and benefits should you opt to take the advice offered, and it should be set down in plain language. The Key Facts Document should also tell you about the allowed cooling-off period. This permits you to have a change of heart within a certain number of days, and cancel your contract with the financial advisor.

The very first time you're speaking with the financial advisor make sure you check what qualifications and experience they've got. After all you're just about to entrust your financial wellbeing to their skill, so you shouldn't be embarrassed about asking these questions. A Level 4 qualification in financial advice is the minimum required certification for any financial advisor in Ottery St Mary, and they also have to be able to present you with an annual Statement of Professional Standing. If the advisor's name does not show up on the Financial Services Register, you should not freak out, the firm the person works for will almost certainly be on the register and their personnel are all covered by the legislation. If they are unable to provide these accreditations, the individual can't offer advice but can offer financial guidance. Guidance differs to advice as it is not regulated, and if financial errors occur there will probably be no recourse to the client.

Financial Advisor Quotes in Ottery St Mary Devon

If it is investments that you're interested in, your advisor will enquire about the amount of risk you are prepared to take with your hard-earned cash. Larger rewards could be possible with higher risk investments, but you stand a greater chance of losing some or all of your cash. In order to get the most beneficial financial and investment advice, your savings aims will need to be taken into account, i.e. long or short term investments, how rapidly you need to access your money and how much cash you want to invest. You must invariably ask yourself the one important question, how much money can you actually afford to lose. This is known as your 'capacity for loss' and could influence the products and services that are offered to you.

Financial Advice Near Ottery St Mary Devon

You will need to let your financial advisor know about your current investments, personal savings, regular outgoing payments or mortgage loans. This should give a full and clear picture of your financial situation, without which the advice you get might not be the most suitable for you. Diversifying your investments and savings by spreading the risk across different products, is a vital part of reliable financial advice. With an understanding of the best areas to consider, a professional financial advisor will concentrate on products that match your financial situation and goals.

Your financial advisor will communicate in the clearest possible way, while throwing open the multifaceted world of finance. You should be able to come to an informed decision when you have learned about the various services and products that match your needs. If you're mind is firmly on the environment, you could maybe ask your financial advisor to stick to ethical savings and investment schemes. This will allow you to lend support to companies and organisations that match your concerns, i.e. zero carbon or green energy, or perhaps steering clear of companies that do not meet your standards.

Establishing a close working relationship with a financial advisor in Ottery St Mary could create problems with your work day and other responsibilities. This can be reduced by supplementing one-on-one appointments with video conferencing and phone calls, therefore enabling you to get the advice you need at times that are convenient. Remote and home working is now commonplace, and an experienced financial advice firm in Ottery St Mary will have rigorous measures in place to ensure your details are kept confidential and secure, even if you hardly ever have a one-to-one meeting with your personal advisor.


The value of your investments could fall as well as rise, and this is a factor that you must remember. It can be quite frustrating and stressful if your investment isn't making as much money as you were hoping for. However, except if it is due to misleading or wrong information from your advisor your investment having a downward trend isn't seen as a grounds for complaint.

Independent Financial Advisor Near Ottery St Mary (EX11)

Any complaints should start out with the firm's complaints procedure as laid out in the Key Facts Document. If your advisor is registered with the Financial Conduct Authority, you can tell the Financial Ombudsman about the issue if it remains unresolved within the time laid down by the regulating body.

The Financial Ombudsman will come to a decision after independently reviewing the cause for complaint. If the complaint is found to be justified, a decision is made on how to financially compensate the customer. The advisor and their firm must comply with any ruling that is made by the Ombudsman, which becomes a legally binding decision once the customer has agreed to it. The Financial Ombudsman will also take into account any upset, inconvenience, distress and hassle caused to the customer during the process, and fix the level of compensation accordingly.

Book a Financial Advisor in Ottery St Mary UK

Financial advice can be provided in Ottery St Mary and also in: Cadhay, Wiggaton, Fluxton, Whimple, Taleford, Southbrook, Sidbury, Lancercombe, Feniton, Aylesbeare, West Hill, Alfington, Putts Corner, Fairmile, Metcombe, Clyst St Lawrence, Rockbeare, Aller Grove, Fenny Bridges, East Hill, Perkin's Village, Higher Metcombe, Cobden, Gosford, together with these postcodes EX11 1TE, EX11 1BH, EX11 1AU, EX11 1HJ, EX11 1AZ, EX11 1GU, EX11 1GB, EX11 1BP, EX11 1DD, EX11 1GA. Locally based Ottery St Mary financial advisors will probably have the phone code 01404 and the postcode EX11. Checking this out will guarantee that you are accessing local financial advisers. Ottery St Mary home and business owners can benefit from these and many other finance related services. Click on the "enquiry" form or banner to get info on financial advisors in your location.

Financial Advice Enquiries Devon

Devon Financial Advice Enquiries

Recently posted Devon financial advice enquiries: Mr and Mrs Stone in Bere Ferrers, Devon recently asked about family income benefit. Tomas Edge and Ellena Edge in Kingsbridge, Devon recently asked for information on financial planning. Dhruv Chatterton in Harpford, Devon recently asked about investment advice. Orson Rush in Ermington, Devon recently asked about financial planning. Mr and Mrs Reed in Ipplepen, Devon recently asked for information on financial planning. Sinead and Taylor Houston in Okehampton, Devon recently asked about life assurance. Elouise Darcy in Chudleigh Knighton, Devon recently asked about offshore investments. Josh Tate and Marley Tate from Buckfastleigh recently asked for information on mortgages. All of these local residents conducted a search for "Garden Fencing Devon" and discovered this page on either Yahoo, Google or Bing.

Financial Advisors Devon

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Around Devon you can also find: Cullompton investment advisors, Kingskerswell financial advice, Woodbury financial advice, Walkhampton financial advice, Bere Alston financial advice, Copplestone investment advice, Newton Ferrers investment advice, Morchard Bishop financial advice, Walkhampton investment advice, Kenton investment advice, Chittlehampton financial advice, Barnstaple financial advisors, Cheriton Fitzpaine financial advisors, Kennford financial advice, Buckland Monachorum financial advice, Ashburton financial advice, Cornwood investment advisors, Modbury financial advice, Mortehoe financial advisors, Hemyock financial advisors, Moretonhampstead investment advisors, Uplyme investment advice, Shebbear financial advisors, Marldon investment advisors, Broad Clyst financial advisors, Clyst St Mary investment advisors, Lympstone investment advice, Ugborough investment advisors, Uffculme financial advice, Lynmouth financial advice.

Ottery St Mary Financial Advice Services

Financial Advice Tasks Ottery St Mary

There is a range of services which are provided by your local Ottery St Mary financial advisor including mutual funds Ottery St Mary, unit trusts in Ottery St Mary, corporate bonds, divorce planning, annuity purchases, business planning, life insurances, investment bonds, money planning, pension reviews in Ottery St Mary, cheap financial advice, tax advice in Ottery St Mary, income protection in Ottery St Mary, pensions in divorce, offshore investments, personal protection, financial planning, financial services, portfolio management in Ottery St Mary, pension advice, business protection, equity release, investment consolidation advice, corporate financial planning, ethical investments, personal financial planning, pension transfer advice in Ottery St Mary, pension drawdowns, critical illness cover, wealth management & investments, and more. Listed are just a handful of the activities that can be conducted by a financial advisor. Ottery St Mary professionals will keep you informed about their entire range of financial services.


Financial Advisors Near Ottery St Mary

Also find: Rockbeare financial advisers, Aylesbeare financial advisers, East Hill financial advisers, Whimple financial advisers, Fenny Bridges financial advisers, Metcombe financial advisers, Aller Grove financial advisers, Sidbury financial advisers, West Hill financial advisers, Southbrook financial advisers, Putts Corner financial advisers, Feniton financial advisers, Taleford financial advisers, Fairmile financial advisers, Cobden financial advisers, Wiggaton financial advisers, Clyst St Lawrence financial advisers, Lancercombe financial advisers, Fluxton financial advisers, Cadhay financial advisers, Perkin's Village financial advisers, Gosford financial advisers, Alfington financial advisers, Higher Metcombe financial advisors and more. All these villages and towns are served by local financial advisers. Ottery St Mary residents can get financial advice quotes by going here.

Ottery St Mary Financial Advice Services

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Financial Advice Enquiries in Ottery St Mary Devon (01404)
  • Ottery St Mary Wealth Management
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Financial Advisors Around Ottery St Mary: Households in Slade Close, St Marys View, New Street, Elsdon Lane, Orchard Close, Chrystel Close, Greenacres Close, Barton Orchard, Windrush Rise, Mossop Close, Prospect Place, Franklea Close, Butts Road, White Farm Lane, Core Hill Road, Lower Broad Oak Road, St Anthony's Close, St Budeaux Close, Kennaway Road, Kings Avenue, Ford Lane, Hillcrest, Lancercombe Lane, Salston Ride, Brook Street, Otter Close, Thorne Farm Way, Eastfield, have needed financial advice recently. Financial advisors have also been active in these local Ottery St Mary postcodes: EX11 1TE, EX11 1BH, EX11 1AU, EX11 1HJ, EX11 1AZ, EX11 1GU, EX11 1GB, EX11 1BP, EX11 1DD, EX11 1GA. People living in these local areas recently needed the help of a financial advisor. Ottery St Mary residents were given competent and top quality financial services in all cases.

Ottery St Mary Financial Advisor Jobs: View financial advisor jobs in Ottery St Mary by clicking here: General Financial Advisor Jobs

To find local information regarding Ottery St Mary, Devon look here

Independent financial advisor in EX11 area, and dialling code 01404.

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(This financial advisor Ottery St Mary content was checked and updated on 28-06-2022)