Financial Advisor Port Talbot

Port Talbot Independent Financial Advice & Investment

Financial Advisor Port Talbot Wales (SA12): It can be an intimidating experience trying to locate a good financial advisor advisor in Port Talbot, especially if it's the first time that you're in search of financial advice. Nevertheless, all professional financial advisors have one thing in common; they all have to stick to the regulations laid down by the Financial Conduct Authority (FCA), whether you are after pensions, investments, mortgage or even insurance guidance. The advantage of this is that if a financial advisor who is FCA approved gives you poor quality advice, and things go wrong, you have guarantees, and can go to the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to have it put right.

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Recommendations from family and friends can be a decent starting point in picking a financial advisor in Port Talbot, but keep in mind that their needs may be different to what you're looking for. Every financial advisor isn't suitable for everyone, and any advice they provide should be personalised to your specific circumstances. It is a good idea to speak with at least 3 different companies when you are picking 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 Port Talbot Wales (SA12)

There are two principal kinds of financial advisor in Port Talbot; restricted advisors and independent financial advisors (IFA). Offering a more extensive range of options, an IFA should not be limited to just one provider's products or services. Independent financial advice must be offered in an honest and unbiased way and should cover the full spectrum of financial products and companies. This enables you to choose from the widest possible range of services to match your needs. A restricted financial advisor might be tied to services and products from one particular company, or might even focus on just one product, as can happen with a mortgage advisor.

Before any financial advisor in Port Talbot accepts you as a client, they're required by the Financial Conduct Authority to discuss their charges with you. Although it can vary depending on the kind of product you are looking for, there could be an hourly rate, a set fee, or you could even be charged a slice of the money you're investing. To discuss your goals and determine whether the advisor is suitable for your circumstances, you could be offered the possibility of a free first consultation. In some bigger Port Talbot companies, you might find that your account is handled by a team as opposed to an individual.

Financial Advisors Port Talbot UK (01639)

Before any financial advice is handed out you'll have to fill in a confidential disclosure document, called a "Fact Find" form, which tells the advising firm about your objectives and financial situation. You should also be given a Key Facts Document, or Initial Disclosure Document, which provides you with details about the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial arena. This document should also set down your legal rights and the possible options you can take if you are not satisfied with the service provided, and need to make a complaint. It has to be simple to understand, written in plain language, and explain exactly what you are signing up for, together with the risks and benefits of going along with the advice. The allowed cooling-off period should also be spelled out in this document. This allows you to cancel the agreement within a certain period of time, and if any penalty charges are incurred.

The first time you're chatting with the financial advisor make sure you check what experience and qualifications they've got. After all you're about to entrust your financial wellbeing to their expertise, so you shouldn't be self-conscious about asking such questions. All financial advisors in Port Talbot must hold at least a Level 4 qualification and be able to present an annual Statement of Professional Standing. If your advisor's name does not show up on the Financial Services Register, you shouldn't panic, the firm the individual works for should be found on the register and their employees will be covered by the legislation. The individual can still offer financial guidance rather than advice, if these can't be provided. In terms of finance guidance is different to advice and is not regulated in the same way. Therefore there's no recourse for the client if errors are made.

Financial Advisor Quotes in Port Talbot Wales

If it's investments that you're interested in, the advisor will enquire about the amount of risk you might be ready and able to accept with your hard-earned cash. Bigger rewards might be possible with high risk investments, however you stand a greater chance of losing some or all of your capital. Your savings aims should be taken into account if decent investment and financial advice is to be given, i.e. short or long term investments, how much you wish to invest and how rapidly you need access to your money. The one question that you should ask yourself, which is often ignored, is just how much money you can afford to lose. This is called your 'capacity for loss' and may affect the products and services that could be offered to you.

Financial Advice Near Port Talbot Wales

You will need to let your financial advisor know about your current mortgages, investments, regular outgoing payments or personal savings. This should give a full and clear picture of your financial circumstances, without which the advice you are given may not be the best for you. Sound financial advice should include diversifying your savings and investments by spreading the risk load across a range of different products. With a knowledge of the best areas to consider, an experienced financial advisor will favour products that match your goals and financial circumstances.

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

Having a close working relationship with your financial advisor in Port Talbot could create problems with your work and other responsibilities. One-on-one meetings can be augmented with video conferencing and telephone calls to enable you to get advice at a time to suit you. Even if you never have a one-on-one meeting with your personal advisor, a competent financial advice company in Port Talbot will have stringent measures in place to ensure your details are kept secure and confidential, because working from home and remote working is now a large part of our society.


Investments can go down as well as up, since the financial world can be volatile. If it just so happens that your investment fails to make the amount of money you hoped for, it can be an extremely worrying and frustrating time. A downward spiraling of your investment is not seen as a cause for complaint, unless your advisor has given you misleading or incorrect information.

Independent Financial Advisor Near Port Talbot (SA12)

The firm's official complaints procedure should be the place to start with any disputes, and the Key Facts Document should clarify this. If the advisor is a member of the Financial Conduct Authority, you can tell the Financial Ombudsman about the issue if it remains unsolved within the time-frame laid down by the regulating authority.

The Financial Ombudsman will look into the cause for complaint and come to a decision. A decision is made on how to rectify or financially compensate the customer, if the complaint is upheld. Once agreed on by the customer, the ruling becomes legally binding, and the financial advisor and their company must abide by it. Any compensation laid down by the Ombudsman will also take into account any annoyance, trouble, distress and inconvenience caused to the customer during the dispute.

Book a Financial Advisor in Port Talbot UK

Financial advice can be provided in Port Talbot and also nearby in: Pontrhydyfen, Aberavon, Measteg, Kenfig, Duffryn Rhondda, Goytre, Llangynwyd, Neath, Margam, Bryn, Cwmafan, Cymmer, Llandarcy, Briton Ferry, Tonmawr, Baglan, Jarsey Marina, Porthcawl, as well as in these postcodes SA12 6EG, SA12 6RF, SA12 6DS, SA12 6EN, SA12 6SQ, SA12 6NT, SA12 6PH, SA12 6NP, SA12 6JP, SA12 6RD. Local Port Talbot financial advisors will likely have the phone code 01639 and the postcode SA12. Click on the "enquiry" form or banner to get details about financial advisors in your area.

Port Talbot Financial Advice Services

Financial Advice Tasks Port Talbot

There are a wide range of services that are provided by your local Port Talbot financial advisor including wealth management & investments in Port Talbot, cash flow modelling, family income benefit Port Talbot, trustee investment services Port Talbot, investment advice Port Talbot, ISA's Port Talbot, investment bonds Port Talbot, life assurance, inheritance tax planning in Port Talbot, stakeholder pensions in Port Talbot, portfolio management, pension consolidation Port Talbot, business planning in Port Talbot, mutual funds, retirement advice, trusts, equity release Port Talbot, cashflow analysis in Port Talbot, tax advice, ethical investment advice, corporate bonds, cheap financial advice Port Talbot, financial planning, pension plans, long term care fee advice Port Talbot, and more.

Financial Advisors Wales

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

In the Wales area you'll also discover: Wenvoe financial advice, Llanrwst financial advice, Wattsville financial advice, Rhoose investment advice, Llay investment advice, Crynant investment advisors, Beaumaris investment advisors, Porthmadog investment advice, Bwlchgwyn financial advisors, Ammanford investment advisors, St Asaph investment advice, Glyncoch investment advisors, Ynysddu financial advisors, Wattsville financial advisors, Ferndale financial advisors, Amlwch investment advice, Abergele investment advisors, Ynysddu financial advice, Ystrad Mynach investment advisors, Resolven financial advisors, Fishguard financial advisors, Overton investment advice, Pembrey financial advisors, Abermule financial advisors, Cwmfelinfach financial advisors, Brynmawr financial advice, Bwlchgwyn investment advisors, Trimsaran financial advice, Morfa Nefyn financial advisors, Ebbw Vale financial advice.

A Financial Advisor's Everyday Tasks

  • A financial advisor recommends the financial products that are best-suited to customers.
  • A financial advisor works together with peers to collect trends, market information and statistics.
  • A financial advisor talks with customers regarding their finances and plans.
  • A financial advisor produces comprehensive financial reports.
  • A financial advisor updates customers about their investments.
  • A financial advisor provides consultation, education and counselling with regards to finances and investments.
  • A financial advisor meets performance and sales targets.
  • A financial advisor maintains detailed records of potential transactions and customers.
  • A financial advisor negotiates with financial product providers.
  • A financial advisor keeps fully abreast of regulation changes and new financial products.

Financial Advisors Near Port Talbot

Also find: Pontrhydyfen financial advisors, Cwmafan financial advisors, Neath financial advisors, Llandarcy financial advisors, Bryn financial advisors, Margam financial advisors, Goytre financial advisors, Baglan financial advisors, Measteg financial advisors, Aberavon financial advisors, Briton Ferry financial advisors, Tonmawr financial advisors, Cymmer financial advisors, Jarsey Marina financial advisors, Duffryn Rhondda financial advisors, Llangynwyd financial advisors, Kenfig financial advisors, Porthcawl financial advisors and more.

Port Talbot Financial Advice Services

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Financial Advice Enquiries in Port Talbot Wales (01639)
  • Port Talbot Pension Advice
  • Port Talbot Trustee Investments
  • Port Talbot Cashflow Analysis
  • Port Talbot Corporate Financial Advice
  • Port Talbot Financial Advice Quotes
  • Port Talbot Tax Advice
  • Port Talbot Wealth Management
  • Port Talbot Estate Planning
  • Port Talbot Mortgage Advice
  • Port Talbot Life Insurance Advice
  • Port Talbot Retirement Planning
  • Port Talbot Inheritance Advice
  • Port Talbot Financial Advice
  • Port Talbot Financial Services

Financial Advisors Around Port Talbot: Some Port Talbot streets where financial advice has recently been given - Curwen Close, Abbeyville Avenue, Blaenant Street, Ascot Drive, Chopin Road, Southcross Way, Theodore Road, Crown Street, Sable Close, Bath Street, Silver Avenue, Tanygroes Street, Cwm Farteg, Bryn Varteg, Addison Road, Salem Road, Tywyn Close, Duffryn Street, Craig Y Fan Terrace, Talbot Road, Albion Road Approach, Saltoun Street, Caerhendy, Sunnybank, Berrylands Road, Blair Way, Conduit Street, as well as these local Port Talbot postcodes: SA12 6EG, SA12 6RF, SA12 6DS, SA12 6EN, SA12 6SQ, SA12 6NT, SA12 6PH, SA12 6NP, SA12 6JP, SA12 6RD.

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

Independent financial advisor in SA12 area, (dialling code 01639).

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