Financial Advisor Oxford

Oxford Independent Financial Advice & Investment

Financial Advisor Oxford Oxfordshire (OX1): It can be a challenging experience trying to locate a reliable financial advisor advisor in the Oxford area, especially if it is the first time that you are in search of financial advice. Whether you're searching for mortgage, investments, pensions or even insurance advice, all financial advisors have one thing in common; they all have to adhere to the regulations set by the Financial Conduct Authority. Any advice given from a FCA registered financial advisor in Oxford comes with the guarantee that should anything go awry, you can contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Free Oxford Financial Advisor Quotes

When selecting a financial advisor in Oxford, a decent place to start could be friends and neighbours, but you must bear in mind that your situation might not be the same as theirs, and you may need a different sort of advice. Not every financial advisor is suitable for everybody, and any advice they provide needs to be tailored to your unique circumstances. To investigate the options they are offering and find a financial advisor that you can trust and feel at ease with, it pays to speak to at least three different companies, because after all picking a financial advisor is an important decision.

Financial Advisor Oxford Oxfordshire (OX1)

There are 2 main kinds of financial advisor in Oxford; independent financial advisors (IFA) and restricted advisors. The advantage of seeing an IFA is that they should not be restricted to a single company's products and services, and can offer a wide range of options. Covering the whole spectrum of financial companies and products, independent financial advice should be given in an impartial and unbiased way to customers. Consulting an IFA should allow you to choose between the broadest possible array of products. A restricted financial advisor might be limited to products and services from a single provider, or may even concentrate on a specific product, as may be the case with a mortgage advisor.

Before any financial advisor accepts you as a client, they're required by the FCA to tell you about their charges. Contingent on the product you're looking for, you could be charged by the hour, a set fee or possibly even a percentage of your investment. You could be offered the chance of a free first consultation to enable you to discuss your aims and determine whether the advisor is the correct fit for your circumstances. In some of the larger Oxford companies, you may find that your account is managed by a team rather than an individual advisor.

Financial Advisors Oxford UK (01865)

Before any advice is given you'll have to fill out a confidential disclosure document, called a "Fact Find" form, which informs the advising firm about your targets and financial situation. A Key Facts Document, or Initial Disclosure Document will also be handed to you, to provide details of the financial advisors themselves, explaining the extent of their permissions in the financial sector and their status to offer independent or restricted advice. This document will also lay down your legal rights and the options you can take if you aren't satisfied with the service provided, and want to complain. It must be written in plain language and detail what you're committing yourself to, and any potential benefits and risks that exist should you choose to accept the advice offered. You can find the amount of cooling-off period in the Key Facts Document. Within a specific number of days, this permits you to cancel the agreement with your financial advisor.

When talking with the financial advisor the very first time you'll want to check their qualifications and experience. After all you're just about to entrust your long-term financial wellbeing to their expertise, so you must not be self-conscious about asking such questions. All financial advisors in Oxford must as a minimum hold a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. If your advisor's name doesn't appear on the Financial Services Register, you don't need to stress, the firm the individual works for will almost certainly be on the register and their advisors are all covered by the regulations. The person can still offer financial guidance as opposed to advice, if these can't be presented. Guidance isn't regulated in the same way as financial advice, meaning that if mistakes arise neither party will have any recourse.

Financial Advisor Quotes in Oxford Oxfordshire

If it is investments that you are interested in, your advisor will need to know the amount of risk you are ready and able to take with your hard-earned cash. Most investments carry some element of risk, but higher risk investments could offer better rewards, and also more chance of losing some or all of your money. In order to get the most beneficial investment and financial advice, your savings aims will have to be given careful consideration, i.e. how much you have to invest, long or short term investments and how quickly you need access to your money. The one question that you should ask yourself, which is often ignored, is just how much you can actually afford to lose. This is known as your capacity for loss and may well affect the services and products that are offered for your consideration.

Financial Advice Near Oxford Oxfordshire

If you've already got any existing savings accounts, regular payments, investments or mortgage loans, you should tell your financial advisor about these. To ensure that you receive the most suitable advice for you, they need to have a clear and full picture of your finances. The diversification of your investments and savings by spreading the risk load across a range of different products, is a crucial part of good quality financial advice. With an understanding of the best areas to consider, a professional financial advisor will focus attention on products that fit in with your financial situation and goals.

Your financial advisor will attempt to communicate in as plain a speech as possible, while throwing open the multifaceted world of finance. After comparing the services and products that match your needs, you should be in a position to come to an informed and knowledgeable decision. If you are environmentally minded, you could maybe ask your financial advisor to stick to ethical savings and investment schemes. This will allow you to lend support to organisations and firms that match your concerns, e.g. green energy or zero carbon, or perhaps staying away from corporations that do not meet your standards.

It may prove difficult to manage your work day and other obligations around working closely with a financial advisor in Oxford. This can be reduced by augmenting one-on-one meetings with phone calls and video conferencing, therefore allowing you to get the guidance you need at times that are convenient. Any professional financial advice firm in Oxford will have strict measures in place to keep your details confidential and secure, even if you never have a face-to-face meeting with your personal advisor, because home and remote working is no longer unusual.


Investments can easily go down as well as up, as the financial sector can be volatile. It can be quite worrying and demoralising if your investment is not making as much money as you were hoping for. Sadly, your investment having a downward trend is not a recognised basis for complaint, unless of course it's owing to wrong or misleading information from your financial advisor.

Independent Financial Advisor Near Oxford (OX1)

As laid out in the Key Facts Document, any disputes should begin with the company's complaints procedure. If the matter remains unresolved within the period laid down by the regulating body, and the advisor is registered with the Financial Conduct Authority, you can contact the Financial Ombudsman.

After independently reviewing the cause for complaint, the Financial Ombudsman will make a ruling on the issue. If the complaint is upheld, a decision will be made on how to financially compensate the customer. This will become a legally binding decision once it has been agreed on by the customer, and the advisor and their company must comply with the ruling. The Ombudsman will also take into consideration any distress, upset, hassle and inconvenience caused to the customer during the dispute, and establish the level of compensation proportionately.

Book a Financial Advisor in Oxford UK

Financial advice can be provided in Oxford and also in: Wolvercote, Risinghurst, Sunningwell, Headington, Summertown, Garsington, Marston, Wytham, Kennington, Sandford, Iffley, Barton, Chawley, Littlemore, Eynsham, Cumnor, Cowley, Osney, Whitecross, as well as in these postcodes OX1 1ZD, OX1 1EX, OX1 1RX, OX1 1AG, OX1 1RD, OX1 1TU, OX1 1LL, OX1 1SG, OX1 1PF, OX1 1DF. Locally based Oxford financial advisors will likely have the telephone dialling code 01865 and the postcode OX1. Verifying this should confirm you access locally based financial advisers. Oxford home and business owners can utilise these and many other related services. Click on the "enquiry" banner or form to get info on financial advisors in your area.

Oxford Financial Advice Services

Financial Advice Tasks Oxford

There is a wide range of services which are provided by your local Oxford financial advisor including pensions in divorce, portfolio management, ethical investments, trusts in Oxford, mutual funds, family income benefit, bridging finance, long term care fee planning, annuities, financial analyst services in Oxford, money planning, ISA's, corporate bonds in Oxford, multi-asset portfolios, pension reviews, financial planning, investing an inheritance in Oxford, investment consolidation advice, will writing services, personal protection, trustee investment services, divorce financial planning, pension plans Oxford, unit trusts in Oxford, general financial planning in Oxford, offshore investment advice, saving for children, business protection, pension drawdowns, equity release, and more. These are just a small portion of the tasks that can be undertaken by a financial advisor. Oxford professionals will be happy to tell you about their entire range of services.

Daily Duties of a Financial Advisor

  • Financial advisors meet sales and performance targets.
  • Financial advisors update customers about their investments.
  • Financial advisors speak with customers about their finances and plans.
  • Financial advisors recommend the financial products that are best-suited to their clients.
  • Financial advisors provide consultation, counselling and education with regards to finances and investments.
  • Financial advisors make advantageous deals with with providers of financial products.
  • Financial advisors keep a record of customers and transactions.
  • Financial advisors work together with their peers to gather market information, statistics and trends.
  • Financial advisors produce comprehensive financial reports.
  • Financial advisors keep fully abreast of new financial products and legislation changes.

Financial Advisors Near Oxford

Also find: Marston financial advisors, Cowley financial advisors, Littlemore financial advisors, Sandford financial advisors, Wytham financial advisors, Sunningwell financial advisors, Garsington financial advisors, Risinghurst financial advisors, Osney financial advisors, Headington financial advisors, Iffley financial advisors, Kennington financial advisors, Cumnor financial advisors, Summertown financial advisors, Whitecross financial advisors, Chawley financial advisors, Barton financial advisors, Wolvercote financial advisors and more. Anyone who is looking for financial advice, will discover that these services are available in all these towns and villages. Business and home owners in these areas can make enquiries about financial advice by clicking here.

Oxford Financial Advice Services

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Independent financial advisor in OX1 area, phone code 01865.

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(This financial advisor Oxford page was updated on 20-02-2024)