Financial Advisor Salisbury Wiltshire (SP1): It can be a challenging experience trying to locate a first-rate financial advisor advisor in Salisbury, in particular if it's the very first time that you're needing financial advice. Whether you are searching for pension, investment, mortgage or even insurance guidance, all professional financial advisors are bound by one common rule; they must all adhere to the regulations laid down by the Financial Conduct Authority (FCA). Any advice given by a FCA certified financial advisor in Salisbury comes with guarantees that if things go wrong, you can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.
When picking a financial advisor in Salisbury, a decent starting point could be friends and relatives, however you must remember that your situation may not be in line with theirs, and you may need a different type of advice. Financial advice needs to be individually tailored to your particular circumstances, and you will discover that some financial advisors may not be suitable for your requirements. To check out the options they're offering and find a financial advisor that you can trust and feel at ease with, it is a good idea to speak with at least three different firms, because picking a financial advisor is a major decision.
Restricted advisors and independent financial advisors, are the 2 principal kinds of financial advisor in Salisbury. An independent financial advisor won't be restricted to a single provider's services and products. Independent financial advice should be given in an impartial and unbiased way and across the whole gamut of financial companies and products. This will enable you to choose from the broadest range of services to suit your needs. A restricted financial advisor may be limited to services and products from a single firm, or might even concentrate on a specific product, as can happen with a mortgage advisor.
The FCA requires that any Salisbury financial advisor must be transparent about their charges, before accepting you as a client. Depending on the kind of services you require, you could be charged by the hour, a set fee or possibly even a proportion of your investment value. To allow you to discuss your aims and see if the advisor is the proper choice for you and your circumstances, a free initial consultation may be offered. In some larger Salisbury companies, you could find that your account is being managed by a team rather than an individual.
To describe your ambitions and financial situation to the advising company, you'll have to fill out a "Fact Find" document, which is a confidential disclosure form. An Initial Disclosure, or Key Facts Document will also be handed to you, to provide details about the financial advisors themselves, explaining the scope of their permissions in the financial market and their situation for offering independent or restricted advice. This document will also set down your rights and the possible options you can take if you aren't satisfied with the service, and would like to complain. It has to be simple to understand, written in layman's terms, and outline precisely what you're committing yourself to, along with the benefits and risks of accepting the proffered advice. This document must also inform you about the cooling-off period. Within a certain time frame, this enables you to cancel the agreement with your financial advisor.
The very first time you are talking with your financial advisor you'll want to check what experience and qualifications they have. Asking such questions shouldn't cause you any embarrassment, because after all you're entrusting them with your financial future. Every Salisbury financial advisor must be in a position to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. You shouldn't panic if your specific advisor's name does not show up on the Financial Services Register, providing the firm is listed on the register, their advisors will be covered by the regulations. If they're not able to provide this proof, the person can't offer advice but only financial guidance. Guidance isn't regulated in the same way as financial advice, meaning that if errors are made neither party will have any recourse.
You will be asked about the level of risk you are ready and able to accept, if you are seeking advice on investments. Higher rewards could be possible with high risk investments, however you stand a greater chance of losing some or all of your funds. Decent investment and financial advice should take into account your savings aims, i.e. how quickly you need access to your funds, short or long term investments and how much you wish to invest. "How much money can you afford to lose?" Is the one important question that you should really be asking yourself. Commonly called your capacity for loss, this will very likely influence the services and products that you're offered.
From the outset, it's crucial that you tell your financial advisor about any existing mortgage loans, personal savings, regular payments or investments that you have. They will need this information, so that they can get a picture of your financial situation and give the correct advice for your needs. Spreading the risk across various products by diversifying your investments and savings, is something that good financial advice should allow for. A seasoned financial advisor in Salisbury will have the knowledge of the best products to consider, which mirror your goals and your financial situation.
A financial advisor will throw open the multifaceted world of finance, and speak in the clearest possible way. After comparing the services and products which meet your needs, you should be able to come to an informed and educated decision. You can ask your advisor to only specify ethical savings and investments. This not only gives you investment opportunities, but also allows you to lend your support to renewable energy or zero carbon projects, and stay away from businesses that do not share the same values.
It could prove challenging to manage your work life and other responsibilities around a close working relationship with a financial advisor in Salisbury. To enable you to seek advice at times that suit you, face-to-face appointments can be augmented with phone calls and video conferencing. Even if you rarely have an in-person meeting with your advisor, an experienced financial advice provider in Salisbury will have stringent measures in force to keep your details secure and confidential, because remote and home working is now so common.
Investments can be a volatile area, and values could go down as easily as they go up. If your investment is not making as much money as you hoped for, it can be extremely worrying and demoralising. A downward spiral in your investment is not seen as a basis for complaint, unless your advisor has given you wrong or misleading information.
As described in the Key Facts Document, any grievances should start with the company's complaints procedure. If the financial advisor is a member of the FCA, you can let the Financial Ombudsman know about the problem if it remains unsolved within the period stipulated by the regulating body.
The Financial Ombudsman will come to a decision after reviewing the cause of the complaint independently. If the complaint is found to be justified, a decision is made on how to financially compensate the customer. The advisor and their company must abide by any decision that is made by the Ombudsman, which becomes a legally binding decision as soon as the client has agreed to it. Any compensation fixed by the Financial Ombudsman will also take into consideration any trouble, distress, annoyance and inconvenience caused to the client during the situation.
Financial advice can be provided in Salisbury and also in nearby places like: East Harnham, Hurdcott, Laverstock, Ford, Old Sarum, Harnham, Whiteparish, Alderbury, Milford, Britford, Stratford sub Castle, Bemerton, Pauls Dene, Wilton, Bishopdown, Petersfinger, Idmiston, together with these postcodes SP1 1LP, SP1 2BA, SP1 1HG, SP1 1LA, SP1 2FD, SP1 2BS, SP1 1NA, SP1 1JY, SP1 2EW, SP1 1TF. Local Salisbury financial advisers will most likely have the telephone code 01722 and the postcode SP1. Simply click the "enquiry" form or banner to get specifics of financial advisors in your area.
Salisbury Financial Advice Services
There are a wide array of services which can be provided by your local Salisbury financial advisor including investment advice, offshore investment advice Salisbury, business planning Salisbury, inheritance tax planning Salisbury, life insurance advice Salisbury, will writing services, financial advice services, ethical investment advice Salisbury, mortgage services Salisbury, financial planning, life assurance in Salisbury, stakeholder pensions, financial analyst services, independent financial advice, personal financial planning in Salisbury, annuity purchase, divorce financial planning Salisbury, cheap financial advice, annuities, pension planning, investment planning Salisbury, mutual funds, pension transfers Salisbury, pension advice, wealth management & investments in Salisbury, and more.
Financial Advice Enquiries Wiltshire
Recent Wiltshire financial advice enquiries: Mr and Mrs Frame from Morgans Vale recently enquired about pension advice. Hudson Coburn and Liyana Coburn from Aldbourne recently enquired about investment advice. Carla Whittle and Brandon Whittle from Netheravon recently enquired about offshore investments. Lily-May Clarke from Semington recently asked for information on investment bonds. Charley and Amelia Kershaw from Covingham recently asked for information on financial planning. Evie-Mae Armitage and Ollie Armitage from Tisbury recently asked for information on offshore investments. Delilah and Callen Bryson from Rowde, Wiltshire recently asked for information on financial planning. Isaiah Dalton and Rebecca Dalton from Wootton Bassett recently asked for information on investment bonds.
Financial Advisors Near Salisbury
Also: Laverstock financial advisors, East Harnham financial advisors, Stratford sub Castle financial advisors, Wilton financial advisors, Petersfinger financial advisors, Whiteparish financial advisors, Idmiston financial advisors, Bishopdown financial advisors, Ford financial advisors, Alderbury financial advisors, Old Sarum financial advisors, Bemerton financial advisors, Harnham financial advisors, Pauls Dene financial advisors, Milford financial advisors, Hurdcott financial advisors, Britford and more.
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Financial Advisors Around Salisbury: Some Salisbury areas and streets where financial advice has recently been given - Tournament Road, Block Road, Countess Road, Shaftesbury Drove, The Coach Road, Ash Crescent, Sycamore Drive, The Avenue, Springfield Crescent, St Martins Close, Avon Banks, Tudor Cottages, Smithfield Street, St Edmunds Church Street, Castle Road, Cranbury Close, Club Road, Taramah Gardens, Bishops Drive, The Flashett, Swift Down, Baverstock, Bulls Lane, Bury Lane, St Marys Road, The Orchard, Brookside, School Drive, as well as the following Salisbury area postcodes: SP1 1LP, SP1 2BA, SP1 1HG, SP1 1LA, SP1 2FD, SP1 2BS, SP1 1NA, SP1 1JY, SP1 2EW, SP1 1TF.
More Wiltshire Financial Advisors: More Tidworth, Corsham, Calne, Amesbury, Melksham, Marlborough, Salisbury, Trowbridge, Warminster, Swindon, Bradford-on-Avon, Wootton Bassett, Westbury, Devizes and Chippenham.:
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Independent financial advisor in SP1 area, and dialling code 01722.
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