Financial Advisor Salisbury

Salisbury Independent Financial Advice & Investment

Financial Advisor Salisbury Wiltshire (SP1): If you are in search of financial advice for the first time, trying to locate a decent financial advisor advisor in Salisbury can be an intimidating experience. Whether it is pension, mortgage, investments or even insurance guidance that you're looking for, there's one common rule for all professional financial advisors; they all have to comply with Financial Conduct Authority regulations. The advantage of this is that should a financial advisor who is FCA approved give you bad advice, and anything goes awry, you have guarantees, and are able to go to the Financial Ombudsman or the Financial Services Compensation Scheme to have it put right.

Free Salisbury Financial Advisor Quotes

Recommendations from family and friends can be a good starting place in selecting a financial advisor in Salisbury, but keep in mind that their circumstances may be different to what you are looking for. Their advice needs to be adapted to your particular circumstances, and not every financial advisor is suitable for everyone. Choosing the right financial advisor is crucial and it pays to speak to at least 3 different firms so as to check out the various options they offer, and to find one that you feel comfortable with and can trust.

Financial Advisor Salisbury Wiltshire (SP1)

There are 2 main kinds of financial advisor in Salisbury; restricted advisors and independent financial advisors. The benefit of seeing an IFA is that they should not be restricted to just one provider's products and services, and can offer a more diverse range of options. Independent financial advice should encompass the entire gamut of financial products and companies, and must be offered in an impartial way. If you decide to use an IFA, you will be able to pick from the widest possible array of services, so as to find the right solution for you. A restricted financial advisor might be limited to products and services from a particular provider, or may even focus on an individual product, as may be the case with a mortgage advisor.

The FCA requires that any financial advisor must discuss their charges with you, before accepting you as a client. Although it can vary contingent on the kind of service you're looking for, there may be an hourly rate, a set fee, or you might even be charged a percentage of the money you're investing. To discuss your aims and determine whether the advisor is the proper choice for you and your circumstances, you could be offered a free preliminary consultation. Your account could be handled by a team as opposed to a single advisor, if you decide to go to one of the bigger companies in Salisbury.

Financial Advisors Salisbury UK (01722)

Before any advice is given you will be required to fill out a confidential disclosure document, called a "Fact Find" form, which informs the advising company about your desired goals and financial situation. To provide details about the financial advisor, their situation for offering restricted or independent advice and their range of permissions in the financial market, you'll also be handed a Key Facts or Initial Disclosure Document. If you are not satisfied with the service provided, and wish to make a complaint, this document will also lay out your legal rights and your options. It has to be typed out in plain English and describe what you're signing up for, and any potential risks and benefits that exist if you decide to accept the offered advice. The allowed cooling-off period should also be fully explained in this document. This allows you to have a change of heart within a certain number of days, and cancel the contract with your financial advisor.

Ensure that you check the qualifications and experience of your financial advisor when you first talk to them. After all you're on the verge of entrusting your long-term financial wellbeing to their expertise, so you must not be embarrassed about asking such questions. A Level 4 qualification in financial advice is the minimum required qualification for any Salisbury financial advisor, and they must also be in a position to provide you with an annual Statement of Professional Standing. If the advisor's name doesn't show up on the Financial Services Register, you shouldn't stress, the company the person works for should be found on the register and their personnel will be covered by the regulations. The individual can still offer financial guidance rather than advice, if these cannot be provided. Guidance isn't regulated in the same way as financial advice, which means that if mistakes occur neither party will have any recourse.

Financial Advisor Quotes in Salisbury Wiltshire

If it is investing money that you are interested in, the advisor will enquire about the amount of risk you are willing to take with your hard-earned money. Better rewards may be possible with higher risk investments, however you may also lose all or some of your funds. Good quality investment and financial advice will take into account your savings aims, i.e. how quickly you need access to your money, short or long term investments and how much you have to invest. One question you should ask yourself, which is frequently neglected, is just how much you can actually afford to lose. Sometimes referred to as your 'capacity for loss', this will quite likely affect the services and products that you are offered.

Financial Advice Near Salisbury Wiltshire

Right from the start, it's crucial that you tell your financial advisor about any existing savings, investments, mortgage loans or regular payments that you have. This will give a full and clear picture of your current financial circumstances, and without this the advice you get will most likely not be the most appropriate for you. Spreading the risk load across various products by diversifying your investments and savings, is something that sound financial advice should embrace. So as to reflect your goals and financial circumstances, an experienced financial advisor in Salisbury will be aware of the best products to consider.

Your financial advisor will communicate in the clearest possible way, while opening up the multifaceted world of finance. You should be able to make an informed decision after you have learned about the various services and products which meet your needs. If the environment is important to you, you could maybe ask that ethical savings and investment schemes take top priority. This doesn't just give you investment possibilities, but also enables you to lend your support to zero carbon or green energy projects, and keep away from businesses and companies that don't share the same values as you do.

It isn't always easy to work closely with a financial advisor in Salisbury without this impacting on work and other responsibilities. This can be reduced by augmenting face-to-face appointments with video conferencing and telephone, therefore enabling you to seek the guidance you need at a convenient time. Any experienced financial advice provider in Salisbury will have stringent measures in force to ensure your details are kept secure and confidential, even if you rarely have a one-on-one meeting with your personal advisor, because remote and home working is now so common.


You need to understand that the financial sector can be a volatile one, and investment values can just as easily fall as well as rise. It can be very disheartening and stressful if your investment is not making the amount of money you were hoping for. However, unless it's because of wrong or misleading information from your advisor your investment having a downward trend isn't seen as a cause for complaint.

Independent Financial Advisor Near Salisbury (SP1)

Any grievances should start with the company's official complaints procedure as described in the Key Facts Document. If your financial advisor is registered with the FCA, you can tell the Financial Ombudsman about the problem if it is unsolved within the time period set by the regulating authority.

After reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. A decision is made on how to rectify the situation or financially compensate the client, if the complaint is upheld. The financial advisor and their company must comply with any ruling that is made by the Ombudsman, which becomes legally binding as soon as the client has accepted it. The Financial Ombudsman will also consider any distress, annoyance, inconvenience and trouble caused to the customer during the dispute, and fix the level of compensation proportionately.

Book a Financial Advisor in Salisbury UK

Financial advice can be provided in Salisbury and also in: Harnham, Whiteparish, Petersfinger, Britford, Milford, Idmiston, Hurdcott, Bishopdown, Wilton, Stratford sub Castle, Pauls Dene, Bemerton, Laverstock, Old Sarum, Ford, East Harnham, Alderbury, and in these postcodes SP1 2EG, SP1 1AB, SP1 1JD, SP1 2EB, SP1 1QE, SP1 2BT, SP1 1HY, SP1 2HA, SP1 2FB, SP1 2BL. Locally based Salisbury financial advisors will probably have the telephone code 01722 and the postcode SP1. Checking this can ensure you access locally based financial advisers. Salisbury householders are able to benefit from these and many other similar services. Click the "enquiry" banner to get info on financial advisors in your location.

A Financial Advisor's Regular Duties

  • Financial advisors maintain detailed records of customers and transactions.
  • Financial advisors keep up to date with legislation changes and new products.
  • Financial advisors work together with associates to collect trends, market information and statistics.
  • Financial advisors meet targets for performance and sales.
  • Financial advisors recommend the financial products that are best-suited to their customers.
  • Financial advisors talk to clients about their finances and plans.
  • Financial advisors provide consultation, education and counselling with regards to investments and finances.
  • Financial advisors update clients regarding their investments.
  • Financial advisors produce in-depth financial reports.
  • Financial advisors negotiate with financial product providers.

Salisbury Financial Advice Services

Financial Advice Tasks Salisbury

There is a range of services that are provided by your local Salisbury financial advisor including pension transfers, investment bonds, tax advice, income protection advice, cheap financial advice in Salisbury, ethical investments, divorce financial planning, independent financial advice, wealth management Salisbury, trusts, offshore investment advice in Salisbury, savings advice, death benefits, business protection Salisbury, financial planning, annuities in Salisbury, bridging finance, life assurance advice, investing an inheritance Salisbury, ISA's in Salisbury, personal pensions advice, money planning in Salisbury, multi-asset portfolios, stakeholder pensions in Salisbury, unit trusts, corporate bonds, family income benefit in Salisbury, long term care fee planning, critical illness cover in Salisbury, business planning, and more. Listed are just a small portion of the activities that can be conducted by a financial advisor. Salisbury professionals will tell you about their full range of services.


Financial Advisors Near Salisbury

Also find: Alderbury financial advisors, Bemerton financial advisors, Idmiston financial advisors, Old Sarum financial advisors, Harnham financial advisors, Pauls Dene financial advisors, Whiteparish financial advisors, Ford financial advisors, Milford financial advisors, Bishopdown financial advisors, Laverstock financial advisors, Petersfinger financial advisors, Britford financial advisors, Hurdcott financial advisors, East Harnham financial advisors and more. All of these locations are serviced by financial advisors. Householders in the region can make enquiries about financial advice by going here.

Salisbury Financial Advice Services

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Independent financial advisor in SP1 area, telephone code 01722.

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(This financial advisor Salisbury content was edited and updated on 20-02-2024)