Financial Advisor Porthcawl

Porthcawl Independent Financial Advice & Investment

Financial Advisor Porthcawl Wales (CF36): It can be a challenging experience trying to locate a first-rate independent financial advisor in the Porthcawl area, in particular if it's the very first time that you are needing financial advice. Whether it's mortgage, pension, investments or even insurance advice that you're searching for, there is one common rule for all qualified financial advisors; they must all adhere to Financial Conduct Authority (FCA) regulations. Any advice given from a FCA approved financial advisor in Porthcawl comes with guarantees that should things go awry, you can get in touch with the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Free Porthcawl Financial Advisor Quotes

When choosing a financial advisor in Porthcawl, a good place to start could be family and friends, but you must keep in mind that your circumstances may not be the same as theirs, and you might be in need of a different kind of advice. Financial advice should be individually tailored to your particular situation, and you will discover that some financial advisors may not be suitable for you. Selecting the right financial advisor is crucial and it is wise to talk with at least 3 different companies so as to explore the options they can provide, and to find one that you can trust and feel at ease with.

Financial Advisor Porthcawl Wales (CF36)

Restricted advisors and independent financial advisors (IFA), are the 2 main types of financial advisor in Porthcawl. Offering a more extensive range of options, an IFA should not be limited to a single provider's services or products. Independent financial advice should cover the full gamut of financial products and companies, and must be offered in an unbiased way. Consulting an independent financial advisor should permit you to choose between the broadest possible array of services. A restricted financial advisor may be limited to services and products from one particular firm, or may even focus on just one product, as may be the case with a mortgage advisor.

Before taking you on as a client, any Porthcawl financial advisor must be fully transparent with you about their charges, as set out by the FCA. Although it varies depending on the kind of product or service you are interested in, there could be a set fee, an hourly rate, or you may even be charged a percentage of the money you're investing. To discuss your objectives and determine whether the advisor is the proper choice for your circumstances, a free initial consultation might be offered. Your account may be handled by a team as opposed to a single advisor, if you opt to use one of the bigger companies in Porthcawl.

Financial Advisors Porthcawl UK (01656)

You will be required to complete a "Fact Find" form, which is a confidential disclosure document relating your targets and financial situation to the advising company. You will also be handed a Key Facts or Initial Disclosure Document, which provides you with information about the financial advisor, their situation for offering restricted or independent advice and the extent of their permissions in the financial market. This document should also lay down your own rights and the possible options you can take if you're not happy with the service provided, and need to complain. It should detail exactly what you are committing yourself to, and any potential risks and benefits should you elect to accept the advice offered, and it must be written in plain language. The cooling-off period should also be explained in this Key Facts Document. This allows you to cancel your contract within a certain time frame, and if any penalties are incurred.

Ensure that you check the experience and qualifications of your financial advisor the first time you speak with them. After all you're on the verge of entrusting your financial wellbeing to their skill, so you should not be embarrassed about asking these questions. A Level 4 qualification in financial advice is the minimum required certification for any Porthcawl financial advisor, and they also have to be able to provide 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 stress, the company the individual works for should be found on the register and their staff are all covered by the regulations. If they are unable to present this proof, the person can't offer advice but is able to offer financial guidance. In financial terms guidance is different to advice and isn't regulated in the same way. Therefore there isn't any recourse for the client if financial mistakes are made.

Financial Advisor Quotes in Porthcawl Wales

You'll be asked about the amount of risk you're prepared to take, if you are seeking advice on investments. Higher risk investments could potentially offer higher rewards, however all or some of your capital could be lost. The best financial and investment advice should take you savings objectives into consideration, i.e. how much you wish to invest, how quickly you need access to your funds and short or long term investments. One question you should ask of yourself, which is frequently ignored, is how much you can afford to lose. This could influence the products and services that you are offered, and is called your 'capacity for loss'.

Financial Advice Near Porthcawl Wales

Right from the start, it's vital that you let your financial advisor know about any savings accounts, regular outgoing payments, mortgages or investments that you have. They will need to know this, so that they can get a clear picture of your financial circumstances and give the appropriate advice for you. The diversification of your investments and savings by spreading the risk across various products, is an important part of reliable financial advice. With an understanding of the best areas to consider, a professional financial advisor will concentrate on products that fit in with your goals and financial circumstances.

A financial advisor will unmask the multifaceted world of finance, and try to converse in as much plain speech as possible. You should be in a position to come to an informed and educated decision after you have compared the various products and services that match your needs. You could ask your advisor to only specify ethical savings and investments. You can then steer clear of firms that firms meet your standards, and instead support those firms and organisations that address your concerns, for example renewable energy or zero carbon.

Having a close working relationship with a financial advisor in Porthcawl could create issues with your work life and other commitments. Face-to-face appointments can be augmented with telephone and video conferencing to enable you to seek advice at times that suit you. Home and remote working is now commonplace, and a professional financial advice company in Porthcawl will have stringent measures in force to ensure your details are kept secure and confidential, even if you never have a face-to-face meeting with your personal advisor.


The value of your investments can go down as well as up, and this is a factor that you must always keep in mind. If it happens that your investment fails to make as much money as you were hoping for, it can be a very disheartening and worrying time. Regrettably, your investment having a downward trend isn't a recognised cause for complaint, unless of course it is because of misleading or incorrect information from your advisor.

Independent Financial Advisor Near Porthcawl (CF36)

The company's complaints procedure should be the kick off point for any disputes, and the Key Facts Document should explain this. If the advisor is a member of the Financial Conduct Authority, you can tell the Financial Ombudsman about the problem if it remains unresolved within the time schedule 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 the situation or financially compensate the customer, if the complaint is upheld. Once agreed on by the client, the decision becomes legally binding, and the advisor and their firm must comply with it. Any compensation fixed by the Ombudsman will also take into consideration any annoyance, inconvenience, distress and trouble caused to the client during the situation.

Book a Financial Advisor in Porthcawl UK

Financial advice can be provided in Porthcawl and also in nearby places like: South Cornelly, Tythegston, Nottage, Goytre, Port Talbot, Margam, Wigfach, Laleston, Bridgend, North Cornelly, Trecco Bay, Maudlam, Danygraig, Kenfig Hill, as well as in these postcodes CF36, CF36 3LU, CF36 3AQ, CF36 3LN, CF36 3QJ, CF36 3UF, CF36 3NT, CF36 3HS, CF36 3RR, CF36 3LP. Local Porthcawl financial advisers will likely have the telephone dialling code 01656 and the postcode CF36. Checking this will make sure that you are accessing local financial advisers. Porthcawl home and business owners are able to utilise these and countless other finance related services. Simply click on the "enquiry" form or banner to get info on financial advisors in your area.

Porthcawl Financial Advice Services

Financial Advice Tasks Porthcawl

There are a wide array of services that can be provided by your local Porthcawl financial advisor including trusts, cheap financial advice, stakeholder pension advice, annuities, bereavement benefits Porthcawl, ethical investments, mutual funds, life assurance, equity release advice, wealth management & investments, tax advice, independent financial advice Porthcawl, general financial planning in Porthcawl, business financial planning, offshore investments, trustee investment services, mortgage advice, savings advice Porthcawl, cashflow analysis, portfolio management, ISA's in Porthcawl, personal pensions in Porthcawl, pension drawdowns in Porthcawl, pensions in divorce Porthcawl, family income benefit in Porthcawl, personal financial planning in Porthcawl, money planning, divorce planning Porthcawl, investment consolidation advice, pension plans, and lots more. These are just a handful of the activities that can be undertaken by a financial advisor. Porthcawl professionals will let you know their full range of financial services.

Daily Tasks of a Financial Advisor

  • A financial advisor works in conjuction with peers to obtain market information, trends and statistics.
  • A financial advisor collaborates with financial product providers.
  • A financial advisor meets targets for sales and performance.
  • A financial advisor keeps fully abreast of new financial products and regulation changes.
  • A financial advisor researches financial products and explains them clearly and simply to clients.
  • A financial advisor provides education, consultation and counselling regarding finances and investments.
  • A financial advisor talks with clients regarding their plans and finances.
  • A financial advisor continually updates customers about their investments.
  • A financial advisor produces detailed financial reports.
  • A financial advisor maintains a record of potential customers and transactions.

Financial Advisors Near Porthcawl

Also find: Port Talbot financial advisers, Laleston financial advisers, Goytre financial advisers, North Cornelly financial advisers, Danygraig financial advisers, Bridgend financial advisers, Margam financial advisers, Kenfig Hill financial advisers, South Cornelly financial advisers, Wigfach financial advisers, Tythegston financial advisers, Trecco Bay financial advisers, Nottage financial advisers, Maudlam financial advisors and more. The majority of these places are served by local financial advisers. Porthcawl residents can get estimates by going here.

Porthcawl Financial Advice Services

Find a Financial Advisor in Porthcawl Here
Financial Advice Enquiries in Porthcawl Wales (01656)
  • Porthcawl Financial Services
  • Porthcawl Life Insurance Advice
  • Porthcawl Wealth Management
  • Porthcawl Cheap Financial Advice
  • Porthcawl Cashflow Analysis
  • Porthcawl Financial Advice
  • Porthcawl Investment Advice
  • Porthcawl Tax Advice
  • Porthcawl Corporate Financial Planning
  • Porthcawl Inheritance Advice
  • Porthcawl Financial Advice Quotations
  • Porthcawl Trustee Investments
  • Porthcawl Mortgage Advice
  • Porthcawl Pension Advice

Financial Advisors Around Porthcawl: People living in the following roads and streets have recently requested financial advice - Greenways, Austin Avenue, The Firs, The Brickyard, Heol Drewi, Chestnut Drive, Heol-fair, Davies Avenue, Eithen Place, Ty Canol, West End Avenue, Highfield Avenue, West Road, Manor Grove, Hillsboro Place, Bryneglwys Gardens, Travis Way, Blundell Avenue, Skomer Close, Nottage Meadows, St David's Way, Greenfield Way, Ynyslas, Maple Walk, Heol Croes Faen, Poplar Avenue, Church Place, Ashleigh Court, Cypress Gardens, Heol-y-capel, as well as the following local Porthcawl postcodes: CF36, CF36 3LU, CF36 3AQ, CF36 3LN, CF36 3QJ, CF36 3UF, CF36 3NT, CF36 3HS, CF36 3RR, CF36 3LP. Folks in these local areas recently required help from a financial advisor. Porthcawl residents were given high quality and competent financial services in every case.

Porthcawl Financial Advisor Jobs: Browse financial adviser jobs in Porthcawl by going here: Financial Advisor Jobs Porthcawl

Independent financial advisor in CF36 area, (dialling code 01656).

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(This financial advisor Porthcawl information was updated on 01-09-2022)