Financial Advisor South Ockendon

South Ockendon Independent Financial Advice & Investment

Financial Advisor South Ockendon Essex (RM15): Locating a decent independent financial advisor in the South Ockendon area can be a challenging experience, in particular if you are needing financial advice for the very first time. Whether it is pension, investments, mortgage or even insurance guidance that you are looking for, there is one common rule for all financial advisors; they must all adhere to Financial Conduct Authority regulations. This comes with certain guarantees, so after getting advice from a FCA authorised financial advisor in South Ockendon, you can seek recompense from the Financial Ombudsman or the Financial Services Compensation Scheme, if something should go awry.

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Recommendations from relatives and friends can be a decent starting place in selecting a financial advisor in South Ockendon, but remember that their situation may be different to what you're looking for. Financial advice must be individually tailored to your unique situation, and you'll discover that certain financial advisors might not be appropriate for your requirements. It is wise to talk with at least three different firms when you are selecting a financial advisor, as this is a big decision, and you will be looking to find one that you can trust and feel at ease with, and also check out the options they offer.

Financial Advisor South Ockendon Essex (RM15)

Restricted advisors and independent financial advisors (IFA), are the 2 main types of financial advisor in South Ockendon. Offering a wider range of options, an IFA won't be limited to the products and services of just one provider. Independent financial advice must encompass the entire gamut of financial products and companies, and must be given in an unbiased way. This will permit you to pick from the widest possible range of products to meet your needs. A restricted advisor may be involved with a single product, as with a mortgage advisor, or be restricted to services and products from one particular firm.

Before taking you on as a client, any financial advisor in South Ockendon must discuss their charges with you, as required by the FCA. You could be charged by the hour, a set fee or even a percentage of your investment, contingent on product you are looking for. To discuss your aims and determine whether the advisor is suitable for your circumstances, you may be offered the chance of a free preliminary consultation. Your account could be managed by a team rather than one individual advisor, if you elect to go with one of the larger firms in South Ockendon.

Financial Advisors South Ockendon UK (01708)

To summarise your financial situation and objectives to the advising firm, you'll be required to fill in a "Fact Find" form, which is a confidential disclosure document. To provide details of the financial advisor, their situation for offering independent or restricted advice and their scope of permissions in the financial sector, you'll also be given a Key Facts or Initial Disclosure Document. If you aren't satisfied with the service provided, and wish to complain, this document will also set down your own legal rights and the options you can take. It must be typed out in plain English and outline what you're signing up for, and any potential risks and benefits that exist should you decide to accept the offered advice. You will find the level of cooling-off period in this document. This enables you to cancel your agreement with the financial advisor within a specific time frame, and if any penalties are incurred.

You need to check the qualifications and experience of the financial advisor the first time you speak with them. Asking these questions shouldn't be a cause for embarrassment, because you are entrusting them with your financial future. Every financial advisor in South Ockendon must be in a position to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. If your advisor's name does not appear on the Financial Services Register, you don't need to stress, the company the person works for should be found on the register and their employees are all covered by the regulations. If they are not able to provide these accreditations, the individual can't offer advice but is allowed to offer financial guidance. Guidance is not subject to regulations in the same way as financial advice, which means that if errors arise neither party will have any recourse.

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You will be asked the level of risk you are ready to take on, if you are seeking advice on investing money. Many investments carry some element of risk, but higher risk investments could potentially offer better rewards, but also more likelihood of losing some or all of your funds. Your savings goals will need to be carefully considered if good quality investment and financial advice is to be given, i.e. long or short term investments, how quickly you need to access your funds and how much you have to invest. "How much can you truly afford to lose?" Is the one vital question that you should really be asking yourself. This is known as your capacity for loss and might influence the products and services that may be offered to you.

Financial Advice Near South Ockendon Essex

If you already have any current regular outgoings, mortgages, savings accounts or investments, you should let your financial advisor know about these. To make certain that you receive the best advice for you, they need a full and clear picture of your finances. Spreading the risk across a range of different products through the diversification of your savings and investments, is something that smart financial advice should embrace. In order to match your financial circumstances and goals, a professional financial advisor in South Ockendon will have the knowledge of the best areas to consider.

Communicating in the plainest speech possible, your financial advisor will lay bare the complex world of investment and finance. After comparing the products and services that meet your needs, you should be in a position to make an informed and considered decision. You can maybe ask your financial advisor only to include ethical savings and investment schemes. You can then avoid corporations that businesses meet your criteria, but instead lend your support to those enterprises and firms that match your concerns, for example zero carbon or renewable energy.

Working closely with a financial advisor in South Ockendon can be challenging to fit in around your work life and other commitments. Face-to-face appointments can be complemented with video conferencing and telephone calls to allow you to get advice at times that suit you. A professional financial advice company in South Ockendon will have rigorous measures in force to keep your details secure and confidential, even if you never have an in-person meeting with your personal advisor, because remote and home working is no longer unusual.


Investments can easily go down as well as up, since the financial world can be unpredictable. It can be incredibly worrying and frustrating if your investment fails to make the amount of money you were hoping for. However, except if it's owing to wrong or misleading information from your advisor a downward spiraling of your investment isn't seen as a basis for complaint.

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Any disputes should start with the firm's complaints procedure as outlined in the Key Facts Document. If the issue is unresolved within the time schedule set out by the regulating body, and the advisor is registered with the FCA, you can advise the Financial Ombudsman.

After looking into the cause for complaint, the Financial Ombudsman will come to a decision on the issue. If it is found that the complaint is justified, a decision will be made on how the customer can be compensated. This will become legally binding as soon as it has been agreed on by the client, and the advisor and their company must comply with the ruling. The Ombudsman will also take into consideration any hassle, inconvenience, annoyance and distress caused to the customer during the process, and fix the level of compensation accordingly.

Book a Financial Advisor in South Ockendon UK

Financial advice can be provided in South Ockendon and also in: Chafford Hundred, North Ockendon, Grays, Linford, Badgers Dene, Orsett, North Stifford, Bulphan, Aveley, West Thurrock, West Horndon, Cranham, Purfleet, Stanford-le-Hope, Horndon on the Hill, together with these postcodes RM15 5QW, RM15 5BW, RM15 5RB, RM15 5LY, RM15 5JG, RM15 5BA, RM15 5HG, RM15 5BP, RM15 5PD, RM15 5NE. Locally based South Ockendon financial advisers will likely have the telephone dialling code 01708 and the postcode RM15.

South Ockendon Financial Advice Services

Financial Advice Tasks South Ockendon

There are a whole host of services that can be provided by your local South Ockendon financial advisor including cash flow modelling in South Ockendon, corporate bonds, pension consolidation South Ockendon, life insurances in South Ockendon, cheap financial advice South Ockendon, ethical investments, portfolio management in South Ockendon, annuities, financial services South Ockendon, cashflow analysis in South Ockendon, divorce financial planning, investment bonds, inheritance tax planning, financial planning in South Ockendon, corporate financial planning in South Ockendon, pension drawdowns South Ockendon, pension transfer advice, investment planning in South Ockendon, income protection advice in South Ockendon, equity release advice, pension advice in South Ockendon, trusts, tax planning, pension reviews, wealth management & investments in South Ockendon, and more.


Financial Advisors Near South Ockendon

Also find: Purfleet financial advisors, Linford financial advisors, Horndon on the Hill financial advisors, Bulphan financial advisors, Orsett financial advisors, Cranham financial advisors, Stanford-le-Hope financial advisors, North Stifford financial advisors, West Thurrock financial advisors, North Ockendon financial advisors, Badgers Dene financial advisors, Chafford Hundred financial advisors, Grays financial advisors, West Horndon financial advisors, Aveley financial advisors and more.

South Ockendon Financial Advice Services

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Financial Advice Enquiries in South Ockendon Essex (01708)
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Financial Advisors Around South Ockendon: In Verbena Close, Buckles Lane, Russells Way, Annifer Way, Garron Lane, Gidea Close, Fairlane Drive, Daines Close, Darenth Lane, Avon Green, Brandon Groves Avenue, Cawdor Avenue, Fyfield Drive, Buckles Lane, Victorias Way, Dene Path, Mar Road, South Road, Canterbury Parade, Annalee Gardens, Cullen Square, Brock Green, Nicholas Close, Fullarton Crescent, Torino Way, South Road, Larkspur Close, Fortin Way, Lavender Close, Arisdale Avenue, as well as the following local South Ockendon postcodes: RM15 5QW, RM15 5BW, RM15 5RB, RM15 5LY, RM15 5JG, RM15 5BA, RM15 5HG, RM15 5BP, RM15 5PD, RM15 5NE, people have recently needed financial advice.

More South Ockendon Services: Naturally, when you are looking at your finances in South Ockendon, Essex, you are likely to need all sorts of different services and as well as a financial advisor in South Ockendon, Essex, you may also need payroll services in South Ockendon, wills & probate in South Ockendon, bookkeeping in South Ockendon, accountants in South Ockendon, business financial planning in South Ockendon, investment advisors in South Ockendon, family lawyers in South Ockendon, mortgage advice in South Ockendon, estate planning in South Ockendon, debt recovery & collection in South Ockendon, solicitors in South Ockendon, banruptcy lawyers in South Ockendon, business consulting in South Ockendon, tax preparation in South Ockendon, property law & conveyancing in South Ockendon, mortgage brokers in South Ockendon, contracts lawyers in South Ockendon, and other different South Ockendon experts.

If you need local information about South Ockendon, Essex check here

Independent financial advisor in RM15 area, (dialling code 01708).

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