Financial Advisor Saltash

Saltash Independent Financial Advice & Investment

Financial Advisor Saltash Cornwall (PL12): It can be a daunting experience trying to find a good independent financial advisor in Saltash, especially if it is the very first time that you are in search of financial advice. Nevertheless, all financial advisors are bound by one common rule; they must all stick to the regulations of the Financial Conduct Authority (FCA), whether you're looking for investment, pension, mortgage or even insurance guidance. Any advice given from a FCA approved financial advisor in Saltash comes with the guarantee that if anything should go awry, you've got access to the Financial Ombudsman or the Financial Services Compensation Scheme.

Free Saltash Financial Advisor Quotes

A good starting place when choosing a financial advisor in Saltash can be friends and neighbours, but keep in mind that the sort of advice you are looking for might be different to theirs. Not every financial advisor is suitable for everybody, and any advice they provide should be personalised to your particular circumstances. Choosing a financial advisor is an important decision and it is a good idea to speak with at least 3 different firms in order to check out the various options they can offer, and to find one that you can trust and feel comfortable with.

Financial Advisor Saltash Cornwall (PL12)

There are two main kinds of financial advisor in Saltash; independent financial advisors (IFA) and restricted advisors. An IFA will not be restricted to a single provider's products or services. Independent financial advice must encompass the entire gamut of financial companies and products, and must be offered in an impartial way. If you decide to use an independent financial advisor, you'll be able to choose from the broadest possible range of products, in order to find the ideal solution for your needs. A restricted advisor could be focused on an individual product, such as a mortgage advisor, or be limited to products and services from a particular firm.

Before taking you on as a client, any Saltash financial advisor must tell you about their charges, as set out by the Financial Conduct Authority. You may be charged by the hour, a set fee or perhaps even a specific percentage of your investment, contingent on services you are interested in. A free initial consultation may be offered, so you can discuss your goals and circumstances to find out if the advisor is a good fit. Your account could be managed by a team rather than one individual advisor, if you opt to go to one of the larger companies in Saltash.

Financial Advisors Saltash UK (01752)

Before any financial advice is handed out you'll be asked to complete a confidential disclosure form, called a "Fact Find" document, which tells the advising company about your financial situation and targets. To provide information regarding the financial advisor, their status to offer independent or restricted advice and the scope of their permissions in the financial sector, you'll also be given an Initial Disclosure Document, or Key Facts Document. If you are not satisfied with the service provided, and wish to make a complaint, this document should also lay down your rights and the options you can take. It must be easily understood, written in plain language, and describe precisely what you're signing up for, along with the risks and benefits of going along with the advice. This document must also inform you of the allowed cooling-off period. Within a specific number of days, this makes it possible for you to cancel the contract with your financial advisor.

Make sure you check what qualifications and experience the financial advisor has when you first speak to them. After all you are on the verge of entrusting your long-term financial wellbeing to their expertise, so you should never be self-conscious about asking these questions. A Level 4 qualification is the minimum required qualification for any financial advisor in Saltash, and they must also be able to present an annual Statement of Professional Standing. If your advisor's name doesn't show up on the Financial Services Register, don't stress, the firm the individual works for will almost certainly be on the register and their advisors are all covered by the legislation. If they are not able to present this evidence, the individual can't offer advice but only financial guidance. In terms of finance guidance differs to advice and isn't regulated. Therefore there's no recourse for either party if financial mistakes occur.

Financial Advisor Quotes in Saltash Cornwall

If you're seeking advice on investing money you will be asked the level of risk you're comfortable with. Better rewards could be possible with higher risk investments, but you stand a greater chance of losing some or all of your cash. Your savings objectives must be carefully considered if decent financial and investment advice is to be given, i.e. how rapidly you need access to your money, short or long term investments and how much you have to invest. "How much can you actually afford to lose?" Is the one question that you should really be asking yourself. This might influence the products and services that you are offered, and is called your 'capacity for loss'.

Financial Advice Near Saltash Cornwall

If you already have any current investments, regular outgoing payments, mortgage loans or savings accounts, you have to tell your financial advisor about these. To ensure that you get the most suitable advice for you, they need to gather a full and clear picture of your finances. Reliable financial advice should include diversifying your investments and savings by spreading the risk load across various products. In order to match your goals and financial situation, a certified financial advisor in Saltash will understand the best products to consider.

Your financial advisor will try to communicate in the clearest possible way, to unveil the complex world of finance. You should be in a position to make an informed and educated decision once you have learned about the various products and services that meet your needs. You could even ask your advisor to only specify ethical investments and savings. This allows you to give your support to firms and organisations which match your concerns, e.g. zero carbon or renewable energy, or perhaps keeping away from companies that do not meet your criteria.

It may prove difficult to manage your work life and other obligations around working closely with a financial advisor in Saltash. One-on-one appointments can be supplemented with telephone calls and video conferencing to allow you to get advice at times that suit you. Even if you hardly ever have a one-to-one meeting with your personal advisor, an experienced financial advice firm in Saltash will have strict measures in force to ensure your details are kept secure and confidential, because working from home and remote working is now a large part of our society.


Investments can be a volatile area, and values could go down as well as up. It can be incredibly disheartening and stressful if your investment is not making the amount of money you were hoping for. However, unless it is due to misleading or wrong information from your advisor a downward trend in your investment is not seen as a cause for complaint.

Independent Financial Advisor Near Saltash (PL12)

As outlined in the Key Facts Document, any disputes should begin with the firm's complaints procedure. If the advisor is registered with the FCA, you can inform the Financial Ombudsman of the problem if it remains unsolved within the timeframe set out by the regulating body.

After reviewing the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. If the complaint is found to be justified, a decision will be made on how to financially compensate the customer. Once the ruling has been agreed on by the client it becomes a legally binding decision that the advisor and their firm, must comply with. Any compensation set by the Financial Ombudsman will also take into account any upset, inconvenience, distress and trouble caused to the customer during the dispute.

Book a Financial Advisor in Saltash UK

Financial advice can be provided in Saltash and also in nearby places like: Hatt, South Pill, Pillaton, Pillmere, Latchbrook, St Mellion, Trehan, Moditonham, Lower Burraton, Burraton Combe, Plymouth, Torpoint, Forder, Botusfleming, Trematon, St Stephens, Carkeel, and in these postcodes PL12 4LH, PL12 4EW, PL12 4PH, PL12 4BG, PL12 4PS, PL12 4ES, PL12 4HW, PL12 4HE, PL12 4EE, PL12 4AN. Local Saltash financial advisors will likely have the phone code 01752 and the postcode PL12. Checking this can ensure that you are accessing local financial advisers. Saltash householders are able to utilise these and various other finance related services. Click the "enquiry" banner to get info on financial advisors in your location.

Skills Required by Financial Advisors

  • The ability to promote products and services.
  • Attentive listening and interpersonal skills.
  • To have the ability to use a computer and the primary software programs.
  • Excellent verbal communication skills.
  • An excellent knowledge of economics and accounting with regard to financial markets and products.
  • To pay attention to detail and be thorough.
  • Good business management skills for negotiating product fees.
  • Excellent customer service skills for identifying client needs.
  • An excellent level of mathematical knowledge for developing financial packages.
  • To be able to network and build relationships with clients.
  • To have good time management skills.

Saltash Financial Advice Services

Financial Advice Tasks Saltash

There are a wide range of services which can be provided by your local Saltash financial advisor including unit trusts, business planning Saltash, bridging finance, cheap financial advice Saltash, will writing services, mortgage financial planning in Saltash, wealth management & investments, income protection in Saltash, trustee investment services, investment bonds, investment consolidation advice in Saltash, ethical investments in Saltash, cash flow modelling, personal pensions in Saltash, stakeholder pension advice, general financial planning, pension transfers, tax planning, investment advice in Saltash, mutual funds, multi-asset portfolios, portfolio management, cashflow planning, long term care fee planning, pension reviews, personal protection, ISA's, life insurances, business protection Saltash, equity release advice, and more. Listed are just an example of the activities that can be performed by a financial advisor. Saltash professionals will be delighted to keep you abreast of their full range of services.

Cornwall Financial Advisors

Advisors Investment Cornwall Advisers Saltash Financial Advisor PL12 Financial Services Financial Advice 01752 Advice Advisor

In Cornwall you can likewise find: Marazion financial advice, St Endellion financial advisors, Wendron financial advice, St Endellion investment advisors, Menheniot investment advisors, Mullion investment advice, St Gennys investment advisors, Nanpean investment advice, St Dominick financial advice, Praze an Beeble financial advisors, St Teath investment advice, Perranuthnoe financial advice, Bugle investment advice, St Mewan financial advisors, Tregoney financial advisors, Portreath investment advice, Probus financial advisors, Perranporth investment advice, St Endellion financial advice, Grampound investment advice, Pensilva investment advisors, Gwithian investment advisors, St Blazey financial advice, Connor Downs financial advisors, Mawnan investment advisors, Constantine financial advisors, St Erney investment advice, St Dennis financial advice, Tregoney investment advisors, Carnon Downs investment advice.


Financial Advisors Near Saltash

Also find: South Pill financial advisers, Hatt financial advisers, St Mellion financial advisers, Pillaton financial advisers, St Stephens financial advisers, Torpoint financial advisers, Carkeel financial advisers, Lower Burraton financial advisers, Plymouth financial advisers, Moditonham financial advisers, Trehan financial advisers, Latchbrook financial advisers, Burraton Combe financial advisers, Pillmere financial advisers, Trematon financial advisers, Botusfleming financial advisers, Forder financial advisors and more. All of these areas are covered by local financial advisers. Saltash residents can get financial advice estimates by clicking here.

Saltash Financial Advice Services

Find a Financial Advisor in Saltash Here
Financial Advice Enquiries in Saltash Cornwall (01752)
  • Saltash Financial Services
  • Saltash Retirement Planning
  • Saltash Trustee Investments
  • Saltash Estate Planning
  • Saltash Cashflow Analysis
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  • Saltash Financial Advice Quotations

Financial Advisors Around Saltash: Folks who live in the following streets and roads have recently inquired about financial advice - Haylake Farm, East Glasdon, Pencare Mill, Trebrown, Albert Road, Love Lane, Gibson House, Burraton Road, The Bridges, Deacon Drive, Tobruk Road, Lockyer Terrace, Lollabury Road, Lanjore Farm, Convent Close, Tincombe, Beatrice Avenue, Brooke Close, Coombe Road, Montgomery Close, Tannery Court, Tri Acre, Broad Walk, The Brook, Higher Penquite Farm, Kilna House, Higher Port View, Marlborough Close, as well as the following local Saltash postcodes: PL12 4LH, PL12 4EW, PL12 4PH, PL12 4BG, PL12 4PS, PL12 4ES, PL12 4HW, PL12 4HE, PL12 4EE, PL12 4AN. Folks in these local areas recently needed the help of a financial advisor. Saltash residents enjoyed the benefits of high quality and reliable financial services on every occasion.

To obtain local Saltash info click here

Financial Adviser Jobs Saltash: Find financial advisor jobs in Saltash by clicking here: Saltash Financial Advisor Jobs

Independent financial advisor in PL12 area, phone code 01752.

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(This financial advisor Saltash page was edited and updated on 28-06-2022)