Financial Advisor Rugeley Staffordshire (WS15): Finding a decent independent financial advisor in the Rugeley area can be a challenging experience, especially if you are seeking financial advice for the very first time. Whether you're searching for mortgage, investments, pension or even insurance advice, all qualified financial advisors are bound by one common rule; they must all stick to the regulations set by the FCA (Financial Conduct Authority). Any advice given by a FCA authorised financial advisor in Rugeley comes with certain guarantees that if things go awry, you can contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.
A good starting point when choosing a financial advisor in Rugeley may be neighbours and friends, but remember that the sort of advice you are looking for may be different to theirs. Their advice needs to be tailored to your particular circumstances, and every financial advisor isn't suitable for everyone. Choosing a financial advisor is an important decision and it is a good idea to talk to at least three different companies in order to investigate the various options they provide, and to find one that you feel comfortable with and can trust.
There are 2 main types of financial advisor in Rugeley; restricted advisors and independent financial advisors. Offering a more extensive range of options, an independent financial advisor should not be limited to the products or services of just one provider. Encompassing the full gamut of financial products and companies, independent financial advice must be offered in an unbiased and impartial way to clientele. If you choose to use an independent financial advisor, you'll be able to select from the widest possible range of services, so as to find the perfect solution for you. A restricted financial advisor may be involved with an individual product, such as a mortgage advisor, or be restricted to services and products from a specific provider.
The FCA requires that any financial advisor in Rugeley must be fully transparent with you about their charges, before taking you on as a client. You may be charged by the hour, a set fee or perhaps even a specific percentage of your investment, depending on kind of services you're interested in. To discuss your goals and determine whether the advisor is suitable for your situation, a free preliminary consultation may be offered. Your account could be looked after by a team as opposed to one individual advisor, if you choose to go with one of the bigger companies in Rugeley.
Before any actual financial advice is given you'll have to fill in a confidential disclosure document, known as a "Fact Find" form, which tells the advising company about your goals and financial situation. To provide information on the financial advisor, their situation for offering independent or restricted advice and the extent of their permissions in the financial market, you'll also be given an Initial Disclosure Document, or Key Facts Document. Your legal rights should also be set out in this document, together with the possible options you can take if you need to submit a complaint because you aren't satisfied with the service provided. It has to be typed out in plain English and detail what you are signing up for, and any potential benefits and risks that exist if you choose to accept the advice offered. The Key Facts Document will also inform you of the cooling-off period. Within a certain period of time, this makes it possible for you to cancel your contract with the financial advisor.
When talking with your financial advisor for the first time you need to check their experience and qualifications. After all you are on the verge of entrusting your financial wellbeing to their expertise, so you shouldn't be embarrassed about asking such questions. All financial advisors in Rugeley must hold at least a Level 4 qualification and present an annual Statement of Professional Standing. When you check the Financial Services Register, you should not stress if your advisor's name doesn't show up on there; you ought to be able to find the company name, and this means that the legislation covers all of their staff. If these can't be presented the person can still offer financial guidance rather than financial advice. Guidance isn't subject to regulations in the same way as financial advice, which means that if errors arise the client won't have any recourse.
If you are seeking advice on investments you will be asked about the level of risk you're ready and able to take on. Higher rewards may be possible with higher risk investments, however you stand a greater chance of losing some or all of your cash. Decent financial and investment advice should take into account your savings aims, i.e. short or long term investments, how much capital you want to invest and how quickly you need to access your funds. The one question that you should ask yourself, which is often ignored, is just how much money you can really afford to lose. This could affect the products and services that could be offered for your consideration, and is referred to as your capacity for loss.
From the outset, it is important to tell your financial advisor about any existing investments, mortgage loans, regular outgoings or savings that you currently have. This will give a clear picture of your financial circumstances, without which the advice given might not be the best for you. Spreading the risk load across different products through the diversification of your investments and savings, is something that sound financial advice should allow for. Having an understanding of the best areas to consider, an experienced financial advisor will favour products that fit in with your financial situation and goals.
A financial advisor will unveil the multifaceted world of finance, and converse in as plain a speech as possible. This will permit you to compare products and services that match your needs, and come to an informed decision. You can even ask your financial advisor to only include ethical investments and savings. You can then keep away from corporations that corporations meet your criteria, but instead support those enterprises and companies that match your concerns, for instance green energy or zero carbon.
Working together with your financial advisor in Rugeley can be difficult to manage around work and other obligations. This can be reduced by supplementing face-to-face appointments with telephone calls and video conferencing, hence allowing you to seek the advice you need at a convenient time. Working from home and remote working is now so common, and a competent financial advice company in Rugeley will have stringent measures in force to keep your details confidential and secure, even if you hardly ever have a face-to-face meeting with your personal advisor.
You must always remember that the financial sector can be unpredictable, and the value of your investments could just as easily drop as well as rise. If it happens that your investment fails to make the amount of money you hoped for, it can be a worrying and frustrating time. However, unless it's because of misleading or incorrect information from your financial advisor, your investment having a downward trend isn't seen as a grounds for complaint.
The firm's official complaints procedure should be the place to start with any disputes, and the Key Facts Document should explain this. You can let the Financial Ombudsman know about the issue if it is unresolved within the time schedule stipulated by the regulating authority, and your financial advisor is registered with the Financial Conduct Authority.
The Financial Ombudsman will make a ruling after reviewing the cause of the complaint independently. If it is found that the complaint is legitimate, a decision is made on how the customer can be compensated. Once the decision is accepted by the customer it becomes a legally binding decision that the advisor and their firm, must comply with. Any distress, inconvenience, annoyance and hassle caused to the client during the dispute, will be considered when the Financial Ombudsman establishes the level of compensation.
Financial advice can be provided in Rugeley and also in nearby places like: Armitage, Brereton, Great Haywood, Breretonhill, Woseley Bridge, Upper Longdon, Rake End, Etchinghill, Blithbury, Colton, Little Haywood, Milford, Colwich, Longdon, Slitting Mill, and in these postcodes WS15 1EE, WS15 1GT, WS15 1LA, WS15 1DB, WS15 1ET, WS15 1DJ, WS15 1HY, WS15 1LS, WS15 1AH, WS15 1FL. Locally based Rugeley financial advisers will likely have the postcode WS15 and the telephone dialling code 01889.
A Financial Advisor's Day to Day Tasks
- A financial advisor keeps fully up to date with law changes and new financial products.
- A financial advisor works in collaboration with colleagues to collect statistics, trends and market information.
- A financial advisor chats with clients about their plans and finances.
- A financial advisor produces detailed financial reports.
- A financial advisor updates clients regarding their investments.
- A financial advisor meets targets for performance and sales.
- A financial advisor provides counselling, consultation and education regarding investments and finances.
- A financial advisor researches financial products and explains them simply and clearly to clients.
- A financial advisor thrashes out advantageous deals with with financial product providers.
- A financial advisor maintains a record of clients and transactions.
Rugeley Financial Advice Services
There is a wide range of services which can be provided by your local Rugeley financial advisor including stakeholder pensions, corporate financial planning Rugeley, will writing services, ethical investment advice in Rugeley, cheap financial advice, equity release advice Rugeley, tax planning, investment advice, pension advice, offshore investment advice Rugeley, portfolio management in Rugeley, family income benefit in Rugeley, corporate bonds, life insurances in Rugeley, mortgage advice, cash flow modelling Rugeley, inheritance tax planning, annuity purchase, long term care fee advice, financial services, investment planning, mutual funds Rugeley, general financial planning, life assurance advice Rugeley, wealth management & investments, and more.
Financial Advisors Near Rugeley
Also: Armitage financial advisors, Etchinghill financial advisors, Upper Longdon financial advisors, Little Haywood financial advisors, Great Haywood financial advisors, Woseley Bridge financial advisors, Colton financial advisors, Slitting Mill financial advisors, Colwich financial advisors, Brereton financial advisors, Longdon financial advisors, Rake End financial advisors, Milford financial advisors, Blithbury financial advisors, Breretonhill and more.
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Financial Advisors Around Rugeley: Financial advisors were recently requested by people living in Hardie Avenue, Western Springs Road, Leathermill Lane, Henley Grange, Colton Road, High Ridge, Grindcobbe Grove, Hawthorn Way, Coach House Lane, Sankey Crescent, The Beeches, Briar Close, Upton Place, Hagley Road, Finches Hill, Johnson Close, Wellington Drive, Horseshoe Drive, Station Road, Chichester Close, Golden Close, Beechmere Rise, Chadsfield Road, Winstanley Place, Chester Road, Sandy Lane, Brewery Street, Church Close, Antler Drive, Stonehouse Road and these Rugeley postcodes: WS15 1EE, WS15 1GT, WS15 1LA, WS15 1DB, WS15 1ET, WS15 1DJ, WS15 1HY, WS15 1LS, WS15 1AH, WS15 1FL.
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Independent financial advisor in WS15 area, telephone code 01889.
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