Financial Advisor Southend-on-Sea

Southend-on-Sea Independent Financial Advice & Investment

Financial Advisor Southend-on-Sea Essex (SS0): It can be an intimidating experience trying to find a good independent financial advisor in Southend-on-Sea, especially if it's the very first time that you are needing financial advice. Whether you are searching for mortgage, pensions, investment or even insurance guidance, all financial advisors are bound by one common rule; they must all adhere to the regulations set by the FCA (Financial Conduct Authority). This comes with various guarantees, so after taking advice from a FCA authorised financial advisor in Southend-on-Sea, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if if things go awry.

Free Southend-on-Sea Financial Advisor Quotes

A decent starting place when picking a financial advisor in Southend-on-Sea may be friends and relatives, but keep in mind that the sort of advice you are searching for may be somewhat different to theirs. Financial advice needs to be individually tailored to your particular situation, and you'll discover that some financial advisors may not be appropriate for you. Picking a financial advisor is a big decision and it is wise to talk to at least 3 different firms so as to explore the options they provide, and to find one you feel comfortable with and can trust.

Financial Advisor Southend-on-Sea Essex (SS0)

There are 2 main types of financial advisor in Southend-on-Sea; independent financial advisors and restricted advisors. The advantage of using an independent financial advisor is that they should not be confined to the services and products of a single provider, and can offer a wide range of options. Covering the full spectrum of financial products and companies, independent financial advice must be given in an unbiased and impartial way to customers. If you elect to use an independent financial advisor, you'll be able to choose from the widest possible array of services, in order to find the ideal solution for your needs. If you go to a restricted advisor you will discover that they could be limited to products and services of one particular company, or as with a mortgage advisor, might only be involved with one product.

Before any financial advisor accepts you as a client, they are required by the FCA to tell you about their charges. Determined by the kind of services you're looking for, you could be charged a set fee, by the hour or possibly even a specific percentage of your investment. A free first consultation could be offered, so that you can discuss your aims and circumstances to determine whether the advisor is the best fit. In some bigger Southend-on-Sea companies, you may find that your account is managed by a team as opposed to an individual advisor.

Financial Advisors Southend-on-Sea UK (01702)

To describe your targets and financial situation to the advising company, you'll be asked to fill in a "Fact Find" document, which is a confidential disclosure form. A Key Facts Document, or Initial Disclosure Document will also be given to you, to provide information about the financial advisors themselves, outlining their range of permissions in the financial sector and their situation for offering restricted or independent advice. If you aren't satisfied with the service, and wish to make a complaint, this document should also set down your rights and the options you can take. It must be written in plain English and detail what you're signing up for, and any potential benefits and risks that exist should you opt to go along with the advice offered. The cooling-off period should also be spelled out in this document. This enables you to change your mind within a certain period of time, and cancel your contract with the financial advisor.

The first time you're talking with your financial advisor you should check what qualifications and experience they have. Don't be self-conscious about asking such questions, after all you are on the verge of entrusting your financial future to their expertise. A Level 4 qualification in financial advice is the minimum required qualification for any financial advisor in Southend-on-Sea, and they must also be able to show an annual Statement of Professional Standing. When you check the Financial Services Register, you shouldn't panic if your specific advisor's name does not show up on there; you will probably find the firm name, and that means the regulations covers all of their staff. If these can't be provided the individual can still offer financial guidance instead of advice. In terms of finance guidance differs to advice and isn't regulated. Therefore there isn't any recourse for either party if financial blunders occur.

Financial Advisor Quotes in Southend-on-Sea Essex

If it's investments that you're interested in, the advisor will need to know the level of risk you might be willing and able to take on with your hard-earned cash. Most investments carry some element of risk, but high risk investments could potentially offer better rewards, and also more chance of losing your money. Your savings objectives must be taken into account if decent financial and investment advice is to be given, i.e. long or short term investments, how much you wish to invest and how quickly you need to access your money. You must invariably ask yourself the one important question, how much money can you truly afford to lose. This may affect the services and products that you are offered, and is sometimes referred to as your capacity for loss.

Financial Advice Near Southend-on-Sea Essex

From the outset, it is important to tell your financial advisor about any existing mortgage loans, regular payments, investments or personal savings that you currently have. This gives a clear and full picture of your financial situation, and without this the advice you get might not be the most appropriate for you. Smart financial advice should allow for diversifying your investments and savings by spreading the risk load across a number of different products. With an understanding of the best areas to consider, an experienced financial advisor will favour products that match your financial circumstances and goals.

Your financial advisor will attempt to communicate in as much plain speech as possible, to reveal the multifaceted world of finance. This will permit you to compare products and services that meet your needs, and come to an informed decision. If you're environmentally minded, you can perhaps ask your advisor to stick to ethical investment and savings schemes. You can then keep away from companies that companies meet your standards, and instead support those firms and organisations that match your concerns, for example renewable energy or zero carbon.

Establishing a close working relationship with a financial advisor in Southend-on-Sea could create complications with work and other obligations. This can be alleviated by augmenting one-on-one meetings with video conferencing and telephone, thus enabling you to seek the guidance you need at times that are convenient. A competent financial advice company in Southend-on-Sea will have rigorous measures in force to ensure your details are kept confidential and secure, even if you never have a face-to-face meeting with your personal advisor, because home and remote working is now so common.


Investments can just as easily go down as well as up, because the financial sector can be unpredictable. If it just so happens that your investment isn't making the amount of money you hoped for, it can be a worrying and disheartening time. However, except if it is down to misleading or wrong information from your advisor a downward spiral in your investment isn't seen as a cause for complaint.

Independent Financial Advisor Near Southend-on-Sea (SS0)

The company's complaints procedure should be the starting point for any grievances, and the Key Facts Document should explain this. If the problem remains unresolved within the time schedule stipulated by the regulating authority, and your financial advisor is registered with the FCA, you can get in touch with the Financial Ombudsman.

The Financial Ombudsman will look into the cause of the complaint and come to a decision. If the complaint is found to be justified, a decision is made on how to rectify the situation or financially compensate the client. The advisor and their firm must comply with any decision that's made, which becomes a legally binding decision as soon as the client has agreed to it. Any inconvenience, upset, distress and trouble caused to the client during the process, will be considered when the Financial Ombudsman establishes the level of compensation.

Book a Financial Advisor in Southend-on-Sea UK

Financial advice can be provided in Southend-on-Sea and also nearby in: North Shoebury, Leigh-on-Sea, Little Wakering, Hadleigh, Thorpe Bay, Barling, South Benfleet, Daws Heath, Eastwood, Rochford, together with these postcodes SS0 0EW, SS0 0HW, SS0 0RB, SS0 0BU, SS0 0EA, SS0 0PR, SS0 0NH, SS0 0EU, SS0 0NR, SS0 0QG. Locally based Southend-on-Sea financial advisors will likely have the postcode SS0 and the dialling code 01702. Checking this will make sure that you access locally based financial advisers. Southend-on-Sea householders are able to utilise these and various other comparable services.

Southend-on-Sea Financial Advice Services

Financial Advice Tasks Southend-on-Sea

There is a variety of services that can be provided by your local Southend-on-Sea financial advisor including savings advice, pensions in divorce, pension consolidation advice, multi-asset portfolios, personal protection Southend-on-Sea, personal financial planning in Southend-on-Sea, ethical investments, stakeholder pensions, saving for children Southend-on-Sea, pension advice in Southend-on-Sea, inheritance tax planning, pension planning in Southend-on-Sea, mutual funds in Southend-on-Sea, life assurance advice, tax financial planning in Southend-on-Sea, pension reviews in Southend-on-Sea, independent financial advice Southend-on-Sea, financial planning, income protection Southend-on-Sea, divorce planning in Southend-on-Sea, annuities, portfolio management, business protection, life insurance, investment consolidation Southend-on-Sea, business planning, pension transfer advice in Southend-on-Sea, money planning in Southend-on-Sea, investment plans Southend-on-Sea, critical illness cover, and lots more. Listed are just a few of the tasks that can be carried out by a financial advisor. Southend-on-Sea professionals will keep you informed about their full range of services.

Regular Tasks of a Financial Advisor

  • A financial advisor works in conjuction with associates to obtain trends, statistics and market information.
  • A financial advisor meets targets for sales and performance.
  • A financial advisor recommends the financial products that are best-suited to customers.
  • A financial advisor speaks with customers about their plans and finances.
  • A financial advisor makes advantageous deals with with financial product providers.
  • A financial advisor keeps detailed records of customers and transactions.
  • A financial advisor keeps abreast of legislation changes and new financial products.
  • A financial advisor updates clients regarding their investments.
  • A financial advisor produces in-depth financial reports.
  • A financial advisor provides consultation, education and counselling with regards to finances and investments.

Financial Advisors Near Southend-on-Sea

Also find: Chalkwell financial advisors, Temple Farm financial advisors, North Shoebury financial advisors, Daws Heath financial advisors, Little Wakering financial advisors, Thorpe Bay financial advisors, Barling financial advisors, Eastern Avenue financial advisors, Shopland financial advisors, Two Tree Island financial advisors and more. The majority of these places are catered for by local financial advisors. Homeowners in the area can make enquiries about financial advice by clicking here.

Southend-on-Sea Financial Advice Services

Find a Financial Advisor in Southend-on-Sea Here
Financial Advice Enquiries in Southend-on-Sea Essex (01702)
  • Southend-on-Sea Estate Planning
  • Southend-on-Sea Corporate Financial Advice
  • Southend-on-Sea Mortgage Advice
  • Southend-on-Sea Cheap Financial Advice
  • Southend-on-Sea Financial Services
  • Southend-on-Sea Tax Advice
  • Southend-on-Sea Cashflow Analysis
  • Southend-on-Sea Investment Advice
  • Southend-on-Sea Inheritance Advice
  • Southend-on-Sea Life Insurance Advice
  • Southend-on-Sea Pension Advice
  • Southend-on-Sea Financial Advice
  • Southend-on-Sea Trustee Investments
  • Southend-on-Sea Wealth Management

To find out local information about Southend-on-Sea, Essex click here

Financial Adviser Jobs Southend-on-Sea: Get financial adviser jobs near Southend-on-Sea by going here: Southend-on-Sea Financial Advisor Jobs

Independent financial advisor in SS0 area, phone code 01702.

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(This financial advisor Southend-on-Sea page was updated on 20-02-2024)