Financial Advisor Peterhead

Peterhead Independent Financial Advice & Investment

Financial Advisor Peterhead Scotland (AB42): It can be a challenging experience trying to locate a decent financial advisor advisor in Peterhead, in particular if it's the first time that you are seeking financial advice. Whether it is investment, mortgage, pensions or even insurance guidance that you are searching for, there is one common rule for all professional financial advisors; they must all observe FCA (Financial Conduct Authority) regulations. The advantage of this is that should a financial advisor who is FCA authorised give you bad advice, and anything goes wrong, you've got guarantees, and can get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme to get it put right.

Free Peterhead Financial Advisor Quotes

A good starting place in choosing a financial advisor in Peterhead can be friends and relatives, but keep in mind that the sort of advice you are searching for could be different to theirs. Not every financial advisor is suitable for everyone, and any advice they provide needs to be personalised to your specific situation. It pays to talk to at least 3 different firms when you're considering a financial advisor, because this is a major decision, and you need to find one that you feel comfortable with and can trust, and investigate the various options they can provide.

Financial Advisor Peterhead Scotland (AB42)

Independent financial advisors (IFA) and restricted advisors, are the 2 main kinds of financial advisor in Peterhead. The benefit of seeing an independent financial advisor is that they will not be confined to the services and products of just one provider, and can offer a more extensive range of options. Independent financial advice must encompass the entire gamut of financial products and companies, and must be offered in an unbiased way. Using an independent financial advisor should permit you to choose from the broadest possible range of services. If you go to a restricted advisor you'll discover that they might be restricted to services and products of a particular provider, or as in the case of a mortgage advisor, might only be concerned with one solitary product.

Before taking you on as a client, any Peterhead financial advisor must discuss their charges with you, as required by the Financial Conduct Authority. Although it can vary according to the kind of product you are interested in, there could be a set fee, an hourly rate, or you could even be charged a percentage of the money you are investing. A free first consultation might be offered, so that you can discuss your aims and situation to see if the advisor is the right fit. Your account might be handled by a team rather than one individual advisor, if you decide to go with one of the bigger firms in Peterhead.

Financial Advisors Peterhead UK (Dialling code	01779)

Before any actual financial advice is given you will be asked to fill out a confidential disclosure document, called a "Fact Find" form, which informs the advising company about your financial situation and desired goals. You will also be given a Key Facts or Initial Disclosure Document, which provides you with details about the financial advisor, their situation for offering independent or restricted advice and their scope of permissions in the financial arena. If you aren't satisfied with the service, and wish to complain, this document should also set down your own legal rights and your options. 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 elect to accept the offered advice. You can find the level of cooling-off period in this document. Within a specific time period, this makes it possible for you to cancel the contract.

You'll want to check what qualifications and experience the financial advisor has the first time you speak with them. After all you're on the verge of entrusting your financial future to their skill, so you shouldn't be self-conscious about asking such questions. Every financial advisor in Peterhead must be in a position to present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. When you check the Financial Services Register, you shouldn't stress if your financial advisor's name doesn't show up on there; you ought to be able to locate the company name, and that means the regulations covers all of their staff. The individual can still offer financial guidance instead of advice, if these cannot be presented. Guidance is different to advice as it's not regulated, and if financial mistakes occur there will probably be no recourse to either party.

Financial Advisor Quotes in Peterhead Scotland

If you're needing advice on investing money you'll be asked about the level of risk you're ready to take. Many investments carry some degree of risk, but high risk investments could potentially offer higher rewards, and also more likelihood of losing some or all of your funds. Your savings goals must be taken into account if good financial and investment advice is to be given, i.e. short or long term investments, how rapidly you need to access your money and how much money you want to invest. The one question that you should ask yourself, which is usually overlooked, is just how much money you can really afford to lose. This is referred to as your 'capacity for loss' and could affect the services and products that are offered to you.

Financial Advice Near Peterhead Scotland

You need to tell your financial advisor about any current mortgages, savings, regular payments or investments. They'll need to know this, so that they can get a picture of your financial situation and give the correct advice for your needs. The diversification of your investments and savings by spreading the risk load across various products, is an important part of good quality financial advice. With a knowledge of the best areas to consider, a qualified financial advisor will favour products that fit in with your goals and financial situation.

A financial advisor will open up the multifaceted world of finance, and communicate in as plain a speech as possible. You should be in a position to make an informed and considered decision after you have learned about the various products and services that match your needs. If you are mind is firmly on the environment, you could perhaps ask your financial advisor to stick to ethical investments and savings. This will allow you to give your support to enterprises and companies which address your concerns, e.g. zero carbon or green energy, or perhaps steering clear of firms that do not meet your requirements.

It is not that easy to have a close working relationship with a financial advisor in Peterhead without this impacting your work and other commitments. This can be alleviated by augmenting one-on-one appointments with telephone and video conferencing, hence allowing you to get the guidance you need at times that are convenient. A competent financial advice company in Peterhead will have rigorous measures in force to keep your details secure and confidential, even if you rarely have a one-to-one meeting with your advisor, because remote and home working is now so common.


The value of your investments can fall as well as rise, and this is a factor that you must always remember. If your investment is not making as much money as you hoped for, it can be quite stressful and demoralising. Sadly, your investment having a downward trend isn't seen as a cause for complaint, except if it is because of incorrect or misleading information from your advisor.

Independent Financial Advisor Near Peterhead (AB42)

The company's official complaints procedure should be the kick off point for any disputes, and the Key Facts Document should clarify this. You can let the Financial Ombudsman know about the situation if it remains unresolved within the time period laid down by the regulating authority, and the advisor is a member of the Financial Conduct Authority.

The Financial Ombudsman will look into the cause for complaint and make a ruling. A decision will be made on how to rectify or financially compensate the client, if the complaint is upheld. This will become legally binding as soon as it has been accepted by the customer, and the advisor and their firm must abide by the decision. Any inconvenience, annoyance, trouble and distress caused to the client during the situation, will be considered when the Ombudsman fixes the level of compensation.

Book a Financial Advisor in Peterhead UK

Financial advice can be provided in Peterhead and also in nearby places like: Stuartfield, Longside, Blackhills, Auchnagatt, Cruden Bay, Stirling, Mintlaw, Hatton, Crimond, Invernettie, St Fergus, Boddam, New Deer, Strichen, New Pitsligo, Maud, together with these postcodes AB42 1PT, AB42 1NH, AB42 1HJ, AB42 1PB, AB42 1QQ, AB42 1EU, AB42 1DQ, AB42 1HS, AB42 1DE, AB42 1PS. Locally based Peterhead financial advisers will probably have the postcode AB42 and the telephone code Dialling code 01779. Verifying this can ensure you are accessing locally based financial advisers. Peterhead homeowners will be able to utilise these and lots of other comparable services. Simply click on the "enquiry" banner to get details about financial advisors in your area.

Financial Advice Enquiries Scotland

Financial Advice Enquiries Scotland

The latest Scotland financial advice enquiries: Lyla and Shane Humphrey from Huntly, Scotland recently enquired about investment bonds. Ralphy and Rubie Mcneil from Hopeman, Scotland recently enquired about equity release. Ella-May Sheppard and Layton Sheppard from Drongan, Scotland recently asked for information on family income benefit. Mr and Mrs Adam from Huntly, Scotland recently asked for information on life assurance. Tiffany and Calum Bouvet from Insch, Scotland recently asked for information on mortgages. Lennie Crowley from West Kilbride, Scotland recently asked for information on investment bonds. Elena Butler and Beau Butler from Bonnybridge, Scotland recently enquired about financial planning. Grayson Stephenson and Libby Stephenson from Stoneyburn, Scotland recently enquired about mortgage advice. These local people conducted a search for "Garden Fencing Scotland" and noticed this website on Google, Bing or Yahoo.

Peterhead Financial Advice Services

Financial Advice Tasks Peterhead

There are a wide range of services which are provided by your local Peterhead financial advisor including cash flow modelling Peterhead, trusts, multi-asset portfolios in Peterhead, pension advice Peterhead, pension consolidation advice, bereavement benefit advice, business protection, corporate financial planning, familt controlled trusts, mortgage services, independent financial advice, pensions in divorce, pension reviews, business financial planning in Peterhead, personal pensions, trustee investment services, stakeholder pensions, unit trusts, will writing services, financial planning, pension transfer advice, ISA's, inheritance tax planning, general financial planning, ethical investment advice, annuities Peterhead, life assurance, financial services, mutual funds, tax financial planning Peterhead, and lots more. These are just an example of the duties that can be performed by a financial advisor. Peterhead professionals will let you know their entire range of financial services.


Financial Advisors Near Peterhead

Also find: New Pitsligo financial advisers, Longside financial advisers, Invernettie financial advisers, Cruden Bay financial advisers, Auchnagatt financial advisers, Crimond financial advisers, Strichen financial advisers, Boddam financial advisers, Blackhills financial advisers, St Fergus financial advisers, New Deer financial advisers, Mintlaw financial advisers, Maud financial advisers, Stuartfield financial advisers, Stirling financial advisers, Hatton financial advisors and more. All of these villages and towns are covered by local financial advisers. Peterhead residents can get financial advice estimates by clicking here.

Peterhead Financial Advice Services

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Financial Advice Enquiries in Peterhead Scotland (Dialling code	01779)
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Financial Advisors Around Peterhead: Some Peterhead areas and streets where financial advice has recently been given - Gladstone Road, Pentland Place, Primrose Avenue, Richmondhill Road, North Road, McGregor Close, Lilac Grove, Bath Street, Towerhill, Windmill Court, Captain Gray Place, Penny Place, Crossfolds Crescent, Rowanbank, Stoneyhillock, Ringway Road, Pusey Place, East Quay, North Street, Coplandhill Crescent, Union Street, Inverugie, Abbotswell Road, Battery Park, Watson Crescent, Golf Road, Brucklay Court, as well as these Peterhead area postcodes: AB42 1PT, AB42 1NH, AB42 1HJ, AB42 1PB, AB42 1QQ, AB42 1EU, AB42 1DQ, AB42 1HS, AB42 1DE, AB42 1PS. Folks residing in these local areas recently needed help from a financial advisor. Peterhead residents were given professional and reliable financial services in all cases.

If you would like to get local information relating to Peterhead, Scotland check here

Peterhead Financial Advisor Jobs: Get financial adviser jobs in Peterhead by going here: Peterhead Financial Advisor Jobs

Independent financial advisor in AB42 area, telephone code Dialling code 01779.

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(This financial advisor Peterhead article was reviewed and updated on 06-05-2022)