Financial Advisor Rotherham

Rotherham Independent Financial Advice & Investment

Financial Advisor Rotherham South Yorkshire (S60): If you're seeking financial advice for the very first time, trying to locate a first-rate independent financial advisor in the Rotherham area can be an intimidating experience. Whether you are searching for mortgage, investments, pension or even insurance guidance, all financial advisors are bound by one common rule; they all have to follow the regulations of the FCA (Financial Conduct Authority). Any advice given by a FCA approved financial advisor in Rotherham comes with guarantees that should things go wrong, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman.

Free Rotherham Financial Advisor Quotes

When selecting a financial advisor in Rotherham, a decent place to start could be friends and relatives, but you must keep in mind that your situation may not be the same as theirs, and you may need a different kind of advice. Their advice needs to be tailored to your unique circumstances, and not every financial advisor is suitable for everybody. To check out the various options they're offering and find a financial advisor that you can trust and feel at ease with, it is a good idea to chat to at least 3 different firms, because picking a financial advisor is a big decision.

Financial Advisor Rotherham South Yorkshire (S60)

Independent financial advisors and restricted advisors, are the 2 main kinds of financial advisor in Rotherham. Offering a more diverse range of options, an IFA won't be confined to a single provider's products or services. Covering the entire gamut of financial companies and products, independent financial advice should be offered in an honest and unbiased way to clientele. Consulting an IFA should permit you to select from the widest possible array of services. A restricted financial advisor could be tied to products and services from a particular company, or might even focus on one particular product, as in the case of a mortgage advisor.

Before any Rotherham financial advisor takes you on as a client, they're required by the Financial Conduct Authority to fully discuss their charges with you. Although it can vary contingent on the type of product or service you require, there could be an hourly rate, a set fee, or you could even be charged a percentage of what you are investing. You will sometimes be offered a free initial consultation to allow you to discuss your objectives and see if the advisor is the proper choice for you and your circumstances. In some of the bigger Rotherham firms, you might find that your account is being handled by a team as opposed to an individual advisor.

Financial Advisors Rotherham UK (01709)

To outline your objectives and financial situation to the advising firm, you will need to fill out a "Fact Find" form, which is a confidential disclosure document. To provide information about the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial market, you will also be handed a Key Facts Document, or Initial Disclosure Document. This document should also lay down your legal rights and your options if you aren't happy with the service, and wish to complain. It should detail precisely what you are committing yourself to, and any potential risks and benefits should you choose to take the offered advice, and it has to be laid out in plain English. The allowed cooling-off period should also be explained in this document. Within a specific period of time, this permits you to cancel the contract.

The very first time you are speaking with the financial advisor you'll want to check what qualifications and experience they've got. Don't be self-conscious about asking such questions, after all you're on the verge of entrusting your long-term financial wellbeing to their expertise. A Level 4 qualification is the minimum required qualification for any Rotherham financial advisor, and they also have to be able to present an annual Statement of Professional Standing. You don't need to panic if your financial advisor's name doesn't show up on the Financial Services Register, providing the firm is listed on the register, their advisors are covered by the regulations. If these cannot be provided the individual may still offer financial guidance instead of financial advice. In financial terms guidance differs to advice and isn't regulated in the same way. Therefore there is no recourse for either party if financial mistakes occur.

Financial Advisor Quotes in Rotherham South Yorkshire

You will be asked about the level of risk you're willing and able to take on, if you are seeking advice on investing money. Better rewards might be possible with high risk investments, but you could also lose all or some of your funds. In order to get the most effective investment and financial advice, your savings aims will need to be carefully considered, i.e. how rapidly you need access to your funds, how much you have to invest and long or short term investments. One question you should ask of yourself, which is normally ignored, is how much you can afford to lose. This might affect the products and services that you're offered, and is commonly called your capacity for loss.

Financial Advice Near Rotherham South Yorkshire

Right from the start, it is crucial that you let your financial advisor know about any mortgage loans, regular outgoings, investments or savings accounts that you have. This will give a full and clear picture of your current financial situation, without which the advice you are given may not be the most suitable for you. Spreading the risk load across different products by diversifying your savings and investments, is something that sound financial advice should allow for. A qualified financial advisor in Rotherham will understand the best areas to consider, which mirror your financial situation and your goals.

Your financial advisor will try to communicate in the clearest possible way, to open up the multifaceted world of finance. This will help you to compare products and services which match your needs, and make an informed decision. If you're mind is firmly on the environment, you could ask your financial advisor to stick to ethical investments and savings. This will allow you to support enterprises and companies that match your concerns, e.g. zero carbon or renewable energy, or perhaps steering clear of corporations that do not meet your standards.

It can prove tricky to manage work and other commitments around working closely with your financial advisor in Rotherham. To enable you to seek advice at a time to suit you, face-to-face appointments can be augmented with telephone and video conferencing. An experienced financial advice company in Rotherham will have strict measures in place to ensure your details are kept confidential and secure, even if you never have an in-person 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 need to keep in mind. If your investment isn't making the amount of money you were hoping for, it can be extremely worrying and disheartening. However, unless it's due to incorrect or misleading information from your financial advisor, a downward spiraling of your investment isn't seen as a grounds for complaint.

Independent Financial Advisor Near Rotherham (S60)

Any complaints should commence with the firm's complaints procedure as laid out in the Key Facts Document. If the issue remains unsolved within the time-frame set out by the regulating authority, and your advisor is registered with the FCA, you can advise the Financial Ombudsman.

The Financial Ombudsman will independently review the cause for complaint and come to a decision. If the complaint is upheld, a decision will be made on how to financially compensate the client. The financial advisor and their company must comply with any decision that is made, which becomes legally binding as soon as the client has agreed to it. Any distress, upset, inconvenience and trouble caused to the customer during the process, will be considered when the Financial Ombudsman fixes the level of compensation.

Book a Financial Advisor in Rotherham UK

Financial advice can be provided in Rotherham and also in nearby places like: Dalton, Meadowhall, Bradgate, Canklow, Listerdale, Brinsworth, Herringthorpe, Dalton Magna, Aldwarke, Deepdale, Tinsley, Parkgate, Wincobank, Eastwood, Greasebrough, Kimberworth, and in these postcodes S60 1YW, S60 2BL, S60 2AG, S60 1JA, S60 1HN, S60 1FF, S60 1QN, S60 2BB, S60 1JE, S60 1AR. Local Rotherham financial advisors will likely have the phone code 01709 and the postcode S60. Checking this out can ensure you access local financial advisers. Rotherham householders will be able to utilise these and countless other comparable services. Simply click the "enquiry" banner to get specifics of financial advisors in your location.

A Financial Advisor's Daily Duties

  • Researching financial products and explaining them clearly and simply to customers.
  • Providing education, consultation and counselling regarding investments and finances.
  • Keeping fully up to date with legislation changes and new products.
  • Producing financial reports.
  • Working in conjuction with colleagues to obtain statistics, market information and trends.
  • Making deals with with providers of financial products.
  • Frequently updating clients regarding their investments.
  • Talking to customers regarding their finances and plans.
  • Meeting targets for sales and performance.
  • Maintaining a record of customers and transactions.

Rotherham Financial Advice Services

Financial Advice Tasks Rotherham

There is a variety of services which are provided by your local Rotherham financial advisor including ethical investment advice in Rotherham, investing an inheritance, ISA's, equity release advice, critical illness cover, cash flow modelling in Rotherham, business planning Rotherham, saving for children, cashflow planning, familt controlled trusts, trustee investment services, multi-asset portfolios Rotherham, personal financial planning in Rotherham, life insurance advice, financial services in Rotherham, stakeholder pension advice, personal protection, business protection in Rotherham, pension drawdowns, portfolio management, corporate bonds, pension consolidation, income protection, bridging finance, offshore investments, inheritance tax planning, general financial planning, pension transfer advice, wealth management & investments, life assurance, and lots more. Listed are just an example of the duties that can be carried out by a financial advisor. Rotherham professionals will tell you about their whole range of services.


Financial Advisors Near Rotherham

Also find: Aldwarke financial advisors, Brinsworth financial advisors, Tinsley financial advisors, Canklow financial advisors, Herringthorpe financial advisors, Dalton financial advisors, Parkgate financial advisors, Greasebrough financial advisors, Deepdale financial advisors, Wincobank financial advisors, Kimberworth financial advisors, Listerdale financial advisors, Meadowhall financial advisors, Bradgate financial advisors, Dalton Magna financial advisors and more. Financial advisers are available for consultations in almost all of these localities. Residents in the region can make enquiries about financial advice by clicking here.

Rotherham Financial Advice Services

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Financial Advice Enquiries in Rotherham South Yorkshire (01709)
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More Rotherham Services: Naturally, when you are looking at your finances in Rotherham, South Yorkshire, you'll probably be in need of all kinds of different services and together with a financial advisor in Rotherham, South Yorkshire, you might also need property law & conveyancing in Rotherham, family lawyers in Rotherham, banruptcy lawyers in Rotherham, contracts lawyers in Rotherham, wills in Rotherham, investment advisors in Rotherham, mortgage brokers in Rotherham, estate planning in Rotherham, bookkeepers in Rotherham, solicitors in Rotherham, accounting in Rotherham, mortgage advice in Rotherham, payroll services in Rotherham, business financial planning in Rotherham, tax preparation in Rotherham, debt recovery & collection in Rotherham, business consulting in Rotherham, and other different Rotherham experts.

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Rotherham Financial Advisor Jobs: Find financial adviser jobs near Rotherham by clicking here: Financial Advisor Jobs Rotherham

Independent financial advisor in S60 area, telephone code 01709.

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(This financial advisor Rotherham article was updated on 20-02-2024)