Financial Advisor Southend-on-Sea

Southend-on-Sea Independent Financial Advice & Investment

Financial Advisor Southend-on-Sea Essex (SS0): Locating a first-rate independent financial advisor in Southend-on-Sea can be a daunting experience, particularly if you're needing financial advice for the first time. Whether it's mortgage, investments, pension or even insurance guidance that you are searching for, there is one common rule for all professional financial advisors; they all have to stick to FCA (Financial Conduct Authority) regulations. Any advice given from a FCA registered financial advisor in Southend-on-Sea comes with guarantees that should things go awry, you've got access to the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Free Southend-on-Sea Financial Advisor Quotes

When selecting a financial advisor in Southend-on-Sea, a good starting point could be family and friends, but you must bear in mind that your circumstances might not be in line with theirs, and you may need a different type of advice. Every financial advisor isn't suitable for everyone, and any advice they provide needs to be adapted to your particular situation. It is a good idea to talk to at least three different firms when you are choosing a financial advisor, as this is a major decision, and you will be looking to find one that you feel comfortable with and can trust, and explore the options they can provide.

Financial Advisor Southend-on-Sea Essex (SS0)

When it comes to picking a financial advisor in Southend-on-Sea, there are 2 main types; restricted advisors and independent financial advisors (IFA). An independent financial advisor won't be confined to a single provider's products and services. Covering the whole gamut of financial companies and products, independent financial advice must be offered in an impartial and unbiased way to clients. This will permit you to select from the widest range of products to suit your needs. If you go to a restricted advisor you'll soon realise that they might be restricted to services and products of a specific provider, or as with a mortgage advisor, will only be involved with one individual product.

Before taking you on as a client, any financial advisor must be fully transparent with you about their charges, as set out by the FCA. Although it varies depending on the kind of product you are looking for, there may be a set fee, an hourly rate, or you might even be charged a specific percentage of what you're investing. You will sometimes be offered the possibility of a free initial consultation to allow you to discuss your goals and find out if the advisor is suitable for your situation. If you use one of the bigger Southend-on-Sea companies, your account could be looked after by a team of advisors rather than a single individual.

Financial Advisors Southend-on-Sea UK (01702)

To describe your objectives and financial situation to the advising company, you will be required to complete a "Fact Find" document, which is a confidential disclosure form. A Key Facts or Initial Disclosure Document will also be given to you, to provide information about the financial advisors themselves, explaining the scope of their permissions in the financial arena and their status to offer restricted or independent advice. This document should also make clear your rights and your options if you're not happy with the service provided, and would like to make a complaint. It must be typed out in plain English and outline what you are committing yourself to, and any possible risks and benefits that exist if you decide to take the advice offered. The cooling-off period should also be explained in this Key Facts Document. This allows you to cancel your contract within a certain period of time, and if any penalties have to be paid.

When talking to your financial advisor the very first time you should check their qualifications and experience. Do not be embarrassed about asking such questions, after all you're just about to entrust your financial future to their skill. A Level 4 qualification is the minimum required qualification for any Southend-on-Sea financial advisor, and they must also be able to provide you with an annual Statement of Professional Standing. When you check the Financial Services Register, you don't need to stress if your specific advisor's name does not appear on there; you should be able to find the firm name, and that means the legislation covers all of their personnel. If these cannot be presented the individual may still offer financial guidance rather than advice. Guidance differs to advice as it's not regulated in the same way, and if errors are made there will likely be no recourse to the client.

Financial Advisor Quotes in Southend-on-Sea Essex

You will be asked the level of risk you are ready to take on, if you are seeking advice on investing money. High risk investments may offer better rewards, however some or all of your money could be lost. In order to get the most beneficial investment and financial advice, your savings goals must be taken into account, i.e. how rapidly you need to access your money, how much you wish to invest and long or short term investments. "How much money can you afford to lose?" Is the one question that you really need to ask yourself. This may affect the services and products that could be offered for your consideration, and is called your 'capacity for loss'.

Financial Advice Near Southend-on-Sea Essex

You will need to tell your financial advisor about your current mortgages, investments, savings or regular payments. This should give a clear picture of your current financial circumstances, without which the advice you are given might not be the most appropriate for you. Diversifying your investments and savings by spreading the risk across various products, is an essential part of reliable financial advice. With an understanding of the best areas to consider, a competent financial advisor will favour products that fit in with your financial circumstances and goals.

Your financial advisor will attempt to communicate in the clearest possible way, while opening up the complex world of finance. After comparing the various services and products that meet your needs, you should be in a position to make an informed and considered decision. You can ask your advisor to only choose ethical savings and investment schemes. This doesn't just give you investment possibilities, but also enables you to support green energy or zero carbon projects, and steer clear of companies and businesses that don't share the same values that you do.

Working alongside a financial advisor in Southend-on-Sea can be difficult to manage around your work day and other obligations. To enable you to get advice at a time to suit you, face-to-face meetings can be augmented with telephone and video conferencing. Any competent financial advice firm in Southend-on-Sea will have rigorous measures in place to keep your details secure and confidential, even if you rarely have a face-to-face meeting with your 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 your investment is not making the amount of money you were hoping for, it can be incredibly stressful and disheartening. Your investment having a downward trend is not a recognised basis for complaint, unless your financial advisor has given you misleading or wrong information.

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

The firm's complaints procedure should be the starting position for any grievances, and the Key Facts Document should clarify this. If your advisor is registered with the Financial Conduct Authority, you can tell the Financial Ombudsman about the matter if it is unsolved within the timeframe laid down by the regulating body.

After independently reviewing the cause for complaint, the Financial Ombudsman will come to a decision on the issue. If the complaint is found to be justified, a decision is made on how to financially compensate the customer. Once the decision is accepted by the client it becomes a legally binding decision which the advisor and their company, must abide by. Any compensation as set out by the Ombudsman will also take into consideration any upset, inconvenience, distress and trouble caused to the client during the situation.

Book a Financial Advisor in Southend-on-Sea UK

Financial advice can be provided in Southend-on-Sea and also nearby in: Rayleigh, Westcliff-on-Sea, Leigh-on-Sea, Hadleigh, Eastwood, Rochford, South Benfleet, Barling, Little Wakering, Daws Heath, Great Wakering, North Shoebury, Thorpe Bay, Shoeburyness, Hawkwell, together with these postcodes SS0 0NU, SS0 0HN, SS0 0EJ, SS0 0RE, SS0 0JH, SS0 0SB, SS0 0NJ, SS0 0JZ, SS0 0RX, SS0 0AF. Locally based Southend-on-Sea financial advisers will likely have the postcode SS0 and the phone code 01702. Simply click the "enquiry" form or banner to get info on financial advisors in your area.

Southend-on-Sea Financial Advice Services

Financial Advice Tasks Southend-on-Sea

There is a variety of services that are provided by your local Southend-on-Sea financial advisor including family income benefit, long term care fee advice Southend-on-Sea, investment planning in Southend-on-Sea, pension consolidation advice, life assurance advice, business financial planning in Southend-on-Sea, divorce planning, unit trusts in Southend-on-Sea, inheritance tax planning, financial analyst services, pension reviews, pension planning Southend-on-Sea, cashflow analysis, life insurance, financial services in Southend-on-Sea, pension advice, annuities, income protection, annuity purchase, investment advice in Southend-on-Sea, retirement advice Southend-on-Sea, corporate bonds, portfolio management, investment bonds, will writing services Southend-on-Sea, and lots more.

A Financial Advisor's Daily Tasks

  • Frequently updating clients about their investments.
  • Meeting performance and sales targets.
  • Producing detailed financial reports.
  • Keeping up to date with law changes and new products.
  • Negotiating with financial product providers.
  • Maintaining detailed records of transactions and customers.
  • Providing consultation, education and counselling with regards to investments and finances.
  • Recommending the financial products that are best-suited to clients.
  • Working with peers to collect market information, statistics and trends.
  • Talking to clients regarding their finances and plans.

Necessary Skills for a Financial Advisor

  • Effective skills in customer service for determining customer needs and requirements.
  • A good level of numeracy for building financial plans.
  • To have the ability to listen attentively
  • An excellent knowledge of economics and accounting relating to financial markets and products.
  • Good skills in verbal communication.
  • To be thorough and pay attention to detail.
  • To be organised and self-motivated.
  • Excellent business management skills for negotiating product prices.
  • To be able to network and establish relationships with customers.
  • To have excellent IT skills.
  • To be good at promoting services and products.

Essex Financial Advice Enquiries

Essex Financial Advice Enquiries

Current Essex financial advice enquiries: Mr and Mrs Barnett from Burnham on Crouch recently asked for information on equity release. Mr and Mrs Robertson from Finchingfield, Essex recently asked for information on equity release. Cody Till from Steeple Bumpstead recently enquired about getting financial advice. Mila Povey from Shoeburyness, Essex recently asked for information on mortgages. Dolly and Harlow Stock from West Thurrock, Essex recently enquired about financial planning. Stefan and Lily-Mae Fuller from Bradfield, Essex recently enquired about investment advice. Santino and Nieve Doran from Langdon Hills, Essex recently asked for information on mortgages. Mr and Mrs Paisley from Bures, Essex recently enquired about investment bonds.


Financial Advisors Near Southend-on-Sea

Also find: North Shoebury financial advisors, Thorpe Bay financial advisors, Great Wakering financial advisors, Eastwood financial advisors, Rayleigh financial advisors, Daws Heath financial advisors, Barling financial advisors, Shoeburyness financial advisors, Hawkwell financial advisors, Leigh-on-Sea financial advisors, South Benfleet financial advisors, Rochford financial advisors, Little Wakering financial advisors, Westcliff-on-Sea financial advisors, Hadleigh financial advisors and more.

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 Financial Advice
  • Southend-on-Sea Wealth Management
  • Southend-on-Sea Cashflow Analysis
  • Southend-on-Sea Financial Services
  • Southend-on-Sea Inheritance Advice
  • Southend-on-Sea Estate Planning
  • Southend-on-Sea Cheap Financial Advice
  • Southend-on-Sea Corporate Financial Advice
  • Southend-on-Sea Pension Advice
  • Southend-on-Sea Investment Advice
  • Southend-on-Sea Financial Advice Quotes
  • Southend-on-Sea Mortgage Advice
  • Southend-on-Sea Retirement Advice
  • Southend-on-Sea Tax Advice

Financial Advisors Around Southend-on-Sea: In Tyrrel Drive, Chelsworth Close, Southend Road, Arnold Avenue, Toucan Close, Ashburnham Road, St Lukes Road, Tunbridge Road, Cedar Close, Abbots Walk, Burlescoombe Road, Beaufort Street, Burleigh Square, Sherwood Way, Tailors Court, The Grove, Droitwich Avenue, Cookham Court, Stornoway Road, Avon Way, Sherbourne Gardens, Selwyn Road, Beeleigh Close, Southchurch Avenue, Thornford Gardens, Bunters Avenue, St Anns Road, Tickfield Avenue, St James Avenue, Chinchilla Road, as well as these local Southend-on-Sea postcodes: SS0 0NU, SS0 0HN, SS0 0EJ, SS0 0RE, SS0 0JH, SS0 0SB, SS0 0NJ, SS0 0JZ, SS0 0RX, SS0 0AF, folks have recently needed financial and investment advice.

To obtain local Southend-on-Sea info look here

Independent financial advisor in SS0 area, telephone code 01702.

TOP - Financial Advisor Southend-on-Sea

Business Financial Advice Southend-on-Sea - Financial Advice Quotes Southend-on-Sea - Cheap Financial Advice Southend-on-Sea - 01702 - Financial Advice Southend-on-Sea - Financial Advisor Southend-on-Sea - Mortgage Advice Southend-on-Sea - Pension Advice Southend-on-Sea - Independent Financial Advisors Southend-on-Sea