Financial Advisor Port Talbot

Port Talbot Independent Financial Advice & Investment

Financial Advisor Port Talbot Wales (SA12): If you're seeking financial advice for the first time, trying to locate a decent financial advisor advisor in Port Talbot can be a daunting experience. Nevertheless, all qualified financial advisors have one thing in common; they must all follow the regulations set by the FCA (Financial Conduct Authority), regardless of whether you're looking for investments, mortgage, pensions or even insurance guidance. Any advice given by a FCA authorised financial advisor in Port Talbot comes with the guarantee that should things go awry, you've got access to the Financial Services Compensation Scheme or the Financial Ombudsman.

Free Port Talbot Financial Advisor Quotes

When selecting a financial advisor in Port Talbot, a good place to begin could be neighbours and friends, but you must remember that your circumstances might not be the same as theirs, and you might need a different type of advice. Any advice they provide needs to be adapted to your unique circumstances, and every financial advisor isn't suitable for everybody. It is wise to speak to at least three different companies when you're picking a financial advisor, because this is a major decision, and you need to find one that you can trust and feel at ease with, and investigate the options they offer.

Financial Advisor Port Talbot Wales (SA12)

When you are looking to pick a financial advisor in Port Talbot, there are essentially 2 principal types; restricted advisors and independent financial advisors (IFA). An IFA should not be confined to just one provider's products and services. Independent financial advice must be given in an impartial way and across the whole gamut of financial companies and products. If you elect to use an independent financial advisor, you'll be able to pick from the broadest possible range of services, in order to find the ideal solution for your needs. A restricted financial advisor may be limited to services and products from a specific company, or may even focus on a particular product, as can be the case with a mortgage advisor.

The FCA demands that any Port Talbot financial advisor must discuss their charges with you, before accepting you as a client. Although it varies according to the kind of product you are looking for, there could be an hourly rate, a set fee, or you might even be charged a percentage of what you're investing. To enable you to discuss your objectives and determine whether the advisor is a good fit for your situation, a free preliminary consultation may be offered. In some of the bigger Port Talbot companies, you could find that your account is handled by a team rather than an individual advisor.

Financial Advisors Port Talbot UK (01639)

To summarise your aims and financial situation to the advising company, you will be required to fill in a "Fact Find" document, which is a confidential disclosure form. An Initial Disclosure, or Key Facts Document will also be handed to you, to provide information regarding the financial advisors themselves, detailing the scope of their permissions in the financial market and their situation for offering restricted or independent advice. This document should also lay out your rights and the possible options you can take if you're not satisfied with the service provided, and need to make a complaint. It should describe precisely what you're signing up for, and any potential risks and benefits that exist if you elect to accept the advice offered, and it has to be set down in plain English. The level of cooling-off period should also be explained in this Key Facts Document. This makes it possible for you to have a change of heart within a certain period of time, and cancel your contract with the financial advisor.

The very first time you're speaking to your financial advisor you'll want to check what experience and qualifications they've got. Asking these questions shouldn't be a cause for embarrassment, because you are entrusting them with your long-term financial wellbeing. Every Port Talbot financial advisor must be in a position to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. When you check the Financial Services Register, don't panic if your particular advisor's name doesn't show up on there; you should be able to locate the company name, and this means that the regulations covers all of their personnel. The person may still offer financial guidance instead of advice, if these cannot be presented. Guidance differs to advice as it isn't regulated in the same way, and if financial blunders occur there may be no recourse to either party.

Financial Advisor Quotes in Port Talbot Wales

If you're looking for advice on investments you'll be asked the level of risk you are prepared to take on. High risk investments may potentially offer larger rewards, however some or all of your cash could be lost. In order to get the most beneficial investment and financial advice, your savings goals must be carefully considered, i.e. long or short term investments, how much capital you want to invest and how rapidly you need to access your money. You should always ask yourself the one important question, how much money can you really afford to lose. This could affect the products and services that could be offered for your consideration, and is sometimes referred to as your capacity for loss.

Financial Advice Near Port Talbot Wales

If you've already got any current investments, regular outgoings, mortgage loans or personal savings, you must tell your financial advisor about these. This will give a clear picture of your current financial circumstances, without which the advice given might not be the best for you. Diversifying your savings and investments by spreading the risk across various different products, is an important part of good quality financial advice. So as to match your financial circumstances and goals, a professional financial advisor in Port Talbot will be aware of the best areas to consider.

Communicating in the clearest possible way, your financial advisor will lay bare the complex world of investment and finance. This will help you to compare services and products which match your needs, and come to an informed decision. You can perhaps ask your advisor to only include ethical investments and savings. This allows you to give your support to organisations and firms which match your concerns, e.g. zero carbon or green energy, or perhaps staying away from corporations that do not meet your requirements.

It may prove tricky to manage your work life and other obligations around working closely with a financial advisor in Port Talbot. This can be alleviated by augmenting one-on-one appointments with video conferencing and telephone calls, hence allowing you to seek the advice you need at a convenient time. An experienced financial advice provider in Port Talbot will have stringent measures in place to keep your details secure and confidential, even if you hardly ever have a one-on-one meeting with your personal advisor, because home and remote working is no longer unusual.


Investments can be an unpredictable area, and values can fall as well as rise. It can be extremely frustrating and worrying if your investment isn't making the amount of money you hoped for. However, except if it is down to wrong or misleading information from your advisor a downward spiral in your investment is not a recognised basis for complaint.

Independent Financial Advisor Near Port Talbot (SA12)

Any disputes should commence with the firm's complaints procedure as indicated in the Key Facts Document. If the issue remains unsolved within the period laid down by the regulating body, and your advisor is registered with the Financial Conduct Authority, you can get in touch with the Financial Ombudsman.

After reviewing the cause of the 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. The financial advisor and their firm must comply with any ruling that is made, which becomes a legally binding decision once the client has agreed to it. Any trouble, upset, distress and inconvenience caused to the client during the situation, will be accounted for when the Ombudsman sets the level of compensation.

Book a Financial Advisor in Port Talbot UK

Financial advice can be provided in Port Talbot and also in nearby places like: Baglan, Porthcawl, Bryn, Llandarcy, Pontrhydyfen, Briton Ferry, Duffryn Rhondda, Neath, Tonmawr, Cymmer, Llangynwyd, Kenfig, Aberavon, Cwmafan, Margam, Measteg, Goytre, Jarsey Marina, and in these postcodes SA12 6PW, SA12 6NU, SA12 6NE, SA12 6QL, SA12 6AF, SA12 6LU, SA12 6NF, SA12 6JF, SA12 6SH, SA12 6BE. Locally based Port Talbot financial advisors will probably have the postcode SA12 and the dialling code 01639. Verifying this will ensure that you're accessing local financial advisers. Port Talbot home and business owners can utilise these and lots of other finance related services.

Skills Required by a Financial Advisor

  • To have excellent IT skills.
  • To have the ability to network and build solid relationships with clients.
  • To pay attention to detail and be thorough.
  • The ability to sell financial services and products.
  • A good level of numeracy for developing financial packages.
  • Excellent management skills for negotiating product rates.
  • Effective customer service skills for finding out client needs and requirements.
  • Good skills in verbal communication.
  • To have a flexible approach to work.
  • A solid knowledge and understanding of economics and accounting relating to financial products and markets.
  • To have the ability to listen attentively

Port Talbot Financial Advice Services

Financial Advice Tasks Port Talbot

There is a range of services which can be provided by your local Port Talbot financial advisor including investment bonds, pension planning in Port Talbot, tax financial planning Port Talbot, unit trusts, business planning in Port Talbot, equity release, trustee investment services, familt controlled trusts in Port Talbot, annuities Port Talbot, will writing services, pension planning, pension drawdowns, corporate financial planning, cash flow modelling, financial planning, bereavement benefits, multi-asset portfolios, investment consolidation, income protection advice in Port Talbot, savings advice, life insurance Port Talbot, mutual funds, family income benefit Port Talbot, personal pensions Port Talbot, financial analyst services, annuity purchases, pension transfer advice, pensions in divorce Port Talbot, investment reviews, corporate bonds, and lots more. These are just some of the tasks that can be conducted by a financial advisor. Port Talbot professionals will be happy to inform you of their entire range of financial services.

Wales Financial Advisors

Advisor Financial Financial Advisor Financial Advice Advice 01639 Advisors Wales Port Talbot Investment SA12 Advisers Services

Around Wales you'll additionally find: Sarn investment advice, Llangollen investment advisors, Tredegar financial advice, Tenby financial advisors, Aberfan financial advice, Benllech financial advice, Llandeilo investment advisors, Y Felinheli investment advice, Aberystwyth investment advisors, Llangefni financial advisors, Chirk financial advice, Llantwit Major investment advisors, Rhondda financial advice, Rachub investment advisors, Treuddyn financial advisors, Bodelwyddan investment advice, Abercarn financial advice, Cwmavon financial advisors, Upper Killay investment advisors, Efail Isaf financial advice, Rhymney investment advisors, Broad Haven financial advice, Ruabon financial advisors, Haverfordwest investment advisors, Ferryside financial advisors, Broad Haven investment advice, Letterston investment advisors, Fochriw financial advice, Pentre Halkyn investment advice, Llanfair Pwllgwyngyll financial advice.


Financial Advisors Near Port Talbot

Also find: Tonmawr financial advisers, Pontrhydyfen financial advisers, Jarsey Marina financial advisers, Briton Ferry financial advisers, Llandarcy financial advisers, Porthcawl financial advisers, Cwmafan financial advisers, Cymmer financial advisers, Duffryn Rhondda financial advisers, Aberavon financial advisers, Margam financial advisers, Neath financial advisers, Bryn financial advisers, Kenfig financial advisers, Measteg financial advisers, Baglan financial advisers, Llangynwyd financial advisers, Goytre financial advisors and more. All these locations are served by local financial advisers. Port Talbot residents can get price quotes by going here.

Port Talbot Financial Advice Services

Find a Financial Advisor in Port Talbot Here
Financial Advice Enquiries in Port Talbot Wales (01639)
  • Port Talbot Estate Planning
  • Port Talbot Retirement Planning
  • Port Talbot Cashflow Analysis
  • Port Talbot Pension Advice
  • Port Talbot Life Insurance Advice
  • Port Talbot Financial Advice
  • Port Talbot Mortgage Advice
  • Port Talbot Trustee Investments
  • Port Talbot Inheritance Advice
  • Port Talbot Wealth Management
  • Port Talbot Tax Advice
  • Port Talbot Investment Advice
  • Port Talbot Financial Services
  • Port Talbot Financial Advice Quotations

Financial Advisors Around Port Talbot: Some Port Talbot areas and roads where financial advice has recently been given - Dalton Road, Cound Terrace, Crawford Green, Auburn Avenue, Cefncoed Road, Seaward Avenue, Church Street, Brook Street, Church Crescent, Coed Parc, Sunny Crescent, Springfield Terrace, Burrows Road, St Kitts Place, Tyr Owen Row, Smallwood Road, Avondale Terrace, Tyr Halen Row, Sycamore Court, Curwen Close, Cavell Street, Severn Crescent, Calfaria Close, Sunnybank, Birchwood Close, School Terrace, Baglan Road, Caroline Terrace, Sandown Road, as well as these local Port Talbot postcodes: SA12 6PW, SA12 6NU, SA12 6NE, SA12 6QL, SA12 6AF, SA12 6LU, SA12 6NF, SA12 6JF, SA12 6SH, SA12 6BE. People in these local areas recently required the help of a financial advisor. Port Talbot residents enjoyed the benefits of professional and competent financial services in all cases.

Port Talbot Financial Advisor Jobs: View financial advisor jobs in Port Talbot by going here: Port Talbot Financial Advisor Jobs

For the best local Port Talbot info click here

Independent financial advisor in SA12 area, and dialling code 01639.

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(This financial advisor Port Talbot article was updated on 06-05-2022)