Financial Advisor St Ives

St Ives Independent Financial Advice & Investment

Financial Advisor St Ives Cambridgeshire (PE27): If you're seeking financial advice for the first time, trying to find a good financial advisor advisor in the St Ives area can be a quite daunting experience. Whether it's investments, pension, mortgage or even insurance guidance that you are after, there is one common rule for all financial advisors; they must all follow Financial Conduct Authority (FCA) regulations. This comes with some guarantees, so after getting advice from a FCA authorised financial advisor in St Ives, you can seek recompense from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if anything goes wrong.

Free St Ives Financial Advisor Quotes

A decent starting place when picking a financial advisor in St Ives could be friends and family, but remember that the type of advice you're looking for could be different to theirs. Financial advice should be specifically tailored to your unique circumstances, and you'll discover that certain financial advisors may not be suitable for you. To investigate the various options that they're offering and find a financial advisor you feel comfortable with and can trust, it pays to speak to at least three different firms, because after all selecting a financial advisor is a major decision.

Financial Advisor St Ives Cambridgeshire (PE27)

There are two main kinds of financial advisor in St Ives; restricted advisors and independent financial advisors (IFA). Offering a more extensive range of options, an IFA will not be confined to the products and services of a single company. Encompassing the whole gamut of financial companies and products, independent financial advice must be given in an unbiased and impartial way to clients. If you choose to use an IFA, you'll be able to select from the broadest possible range of services, so as to find the perfect solution for your needs. A restricted advisor could be concerned with a single product, as with a mortgage advisor, or be restricted to products and services from a single firm.

The Financial Conduct Authority demands that any financial advisor in St Ives must be fully transparent with you about their charges, before taking you on as a client. You may be charged a set fee, by the hour or perhaps even a proportion of your investment, contingent on type of product you require. You may be offered the chance of a free first consultation to allow you to discuss your objectives and see if the advisor is suitable for your situation. In some of the bigger St Ives firms, you may find that your account is managed by a team as opposed to an individual.

Financial Advisors St Ives UK (01736)

Before any actual advice is handed out you will need to complete a confidential disclosure form, called a "Fact Find" document, which informs the advising firm about your financial situation and ambitions. An Initial Disclosure, or Key Facts Document will also be handed 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. Your rights should also be spelled out in this document, along with your options if you wish to complain because you aren't satisfied with the service you are given. It should outline precisely what you're committing yourself to, and any possible risks and benefits should you opt to take the advice offered, and it has to be written in plain English. The Key Facts Document should also inform you about the allowed cooling-off period. Within a certain number of days, this permits you to cancel the contract with your financial advisor.

The very first time you are chatting with your financial advisor you'll want to check what experience and qualifications they've got. You shouldn't be embarrassed about asking such questions, after all you are on the verge of entrusting your financial wellbeing to their expertise. A Level 4 qualification is the minimum required certification for any financial advisor in St Ives, and they must also be in a position to present an annual Statement of Professional Standing. If your advisor's name does not appear on the Financial Services Register, you should not panic, the company the person works for should be found on the register and their staff will be covered by the legislation. If these cannot be presented the person can still offer financial guidance rather than advice. Guidance isn't subject to regulations in the same way as financial advice, meaning that if mistakes are made neither party will have any recourse.

Financial Advisor Quotes in St Ives Cambridgeshire

If you're looking for advice on investing money you'll be asked about the amount of risk you're comfortable with. Most investments carry some degree of risk, but high risk investments could offer substantial rewards, but also more likelihood of losing some or all of your money. Good investment and financial advice should take into account your savings objectives, i.e. how much you wish to invest, long or short term investments and how rapidly you need access to your funds. You must always ask yourself the one important question, how much can you actually afford to lose. This may influence the services and products that you are offered, and is known as your capacity for loss.

Financial Advice Near St Ives Cambridgeshire

You'll want to tell your financial advisor about your current regular outgoing payments, mortgages, investments or savings accounts. They will need these details, so they can get a picture of your financial situation and give the best advice for your needs. Spreading the risk across various different products by diversifying your savings and investments, is something that reliable financial advice should allow for. A seasoned financial advisor in St Ives will have the knowledge of the best areas to consider, which mirror your financial situation and your goals.

Your financial advisor will try to communicate in the clearest possible way, while throwing open the complex world of finance. You should be able to make an informed and considered decision once you have compared the various services and products that meet your needs. You could maybe ask your financial advisor only to choose ethical savings and investment schemes. This allows you to support enterprises and companies that match your concerns, i.e. zero carbon or green energy, or perhaps avoiding companies that do not meet your standards.

Working alongside a financial advisor in St Ives can be challenging to manage around your work day and other obligations. This can be alleviated by supplementing one-on-one meetings with telephone calls and video conferencing, therefore enabling you to seek the advice you need at a convenient time. Home and remote working is now so common, and a competent financial advice company in St Ives will have stringent measures in force to ensure your details are kept secure and confidential, even if you hardly ever have an in-person meeting with your advisor.


Investments can be a volatile area, and their values could fall as well as rise. If your investment fails to make as much money as you were hoping for, it can be extremely stressful and frustrating. However, unless it's due to misleading or incorrect information from your advisor a downward trend in your investment is not seen as a basis for complaint.

Independent Financial Advisor Near St Ives (PE27)

Any grievances should start out with the company's official complaints procedure as indicated in the Key Facts Document. If the issue is unsolved within the time-frame set out by the regulating authority, and your financial advisor is a member of the FCA, you can inform the Financial Ombudsman.

After independently 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 is made on how to financially compensate the customer. Once agreed on by the customer, the decision becomes legally binding, and the advisor and their firm must abide by it. The Ombudsman will also take into account any trouble, inconvenience, upset and distress caused to the client during the process, and set the level of compensation proportionately.

Book a Financial Advisor in St Ives UK

Financial advice can be provided in St Ives and also nearby in: Towednack, Halsetown, Gwithian, Nancledra, Fraddam, Carnhell Green, Loggans, Crowlas, Carbis Bay, Zennor, Phillack, Lelant, Canons Town, Treloyhan, Ayr, Leedstown, Hayle, St Erth, Ludgvan, and in these postcodes TR26 1LA, TR26 1ET, TR26 1FN, TR26 1DS, TR26 1BU, TR26 1NR, TR26 1HD, TR26 1DQ, TR26 1FJ, TR26 1DF. Local St Ives financial advisers will most likely have the telephone code 01736 and the postcode PE27. Verifying this can ensure you're accessing locally based financial advisers. St Ives homeowners can utilise these and lots of other similar services. Simply click the "enquiry" banner to get information on financial advisors in your location.

St Ives Financial Advice Services

Financial Advice Tasks St Ives

There are a wide range of services that are provided by your local St Ives financial advisor including pension advice, pension drawdowns St Ives, multi-asset portfolios St Ives, general financial planning, cash flow modelling, death benefit advice in St Ives, stakeholder pensions, pension planning, divorce financial planning, trustee investment services St Ives, annuity purchase St Ives, business protection in St Ives, portfolio management in St Ives, business planning, money planning St Ives, offshore investment advice, investment consolidation, independent financial advice, retirement planning in St Ives, cheap financial advice St Ives, annuities, mutual funds St Ives, financial planning, pension consolidation advice, life insurance advice, corporate bonds, financial analyst services, ethical investment advice St Ives, life assurance, unit trusts, and lots more. These are just a few of the activities that can be carried out by a financial advisor. St Ives professionals will inform you of their whole range of financial services.

Necessary Skills for a Financial Advisor

  • To be organised and self-motivated.
  • A good level of maths knowledge for creating financial packages.
  • A good understanding and knowledge of economics and accounting relating to financial markets and products.
  • Excellent skills in verbal communication.
  • Effective skills in customer service for identifying client requirements and needs.
  • To be able to network and establish solid relationships with clients.
  • To be thorough and pay attention to detail.
  • The ability to promote financial products and services.
  • Active interpersonal and listening skills.
  • To have excellent IT skills.
  • Effective management skills for the negotiation of product prices.

Financial Advisors Near St Ives

Also find: Nancledra financial advisers, Gwithian financial advisers, Carnhell Green financial advisers, Loggans financial advisers, Carbis Bay financial advisers, Ayr financial advisers, Zennor financial advisers, Phillack financial advisers, Leedstown financial advisers, Fraddam financial advisers, Towednack financial advisers, Treloyhan financial advisers, Hayle financial advisers, St Erth financial advisers, Ludgvan financial advisers, Lelant financial advisers, Canons Town financial advisers, Halsetown financial advisers, Crowlas financial advisors and more. Most of these towns and villages are catered for by local financial advisers. St Ives residents can get price quotes by clicking here.

St Ives Financial Advice Services

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Financial Advisors Around St Ives: Over the last year financial advice was provided in these St Ives streets: Farthing Lane, The Drive, Fairfields Crescent, Langley Court, Little How, London Road, Elizabeth Court, Knights Way, Bedford Crescent, Tamar Close, Renoir Close, Westbury Road, Goodman Close, Collingwood Close, Ramsey Road, River Place, Free Church Passage, Orchard Terrace, The Furrows, Scrolans, Green Leys, Station Road, Library Row, Park Road, The Whistlers, Kings Road, All Saints Close, Crown Close, Carlisle Terrace, Swan Close, East Street, Bowlings Court, Kings Hedges, Lilac Way, and in these Cambridgeshire postcodes: TR26 1LA, TR26 1ET, TR26 1FN, TR26 1DS, TR26 1BU, TR26 1NR, TR26 1HD, TR26 1DQ, TR26 1FJ, TR26 1DF. People living in these local areas recently required the help of a financial advisor. St Ives residents benefited from professional and reliable financial services on every occasion.

More St Ives Services: Of course, when you are looking at your finances in St Ives, Cambridgeshire, you are likely to need all kinds of different services and apart from a financial advisor in St Ives, Cambridgeshire, you might also need solicitors in St Ives, business consulting in St Ives, estate planning in St Ives, debt recovery & collection in St Ives, payroll services in St Ives, property law & conveyancing in St Ives, tax preparation in St Ives, wills & probate in St Ives, mortgage brokers in St Ives, accountants in St Ives, mortgage advice in St Ives, family lawyers in St Ives, contracts lawyers in St Ives, bookkeeping in St Ives, banruptcy lawyers in St Ives, business financial planning in St Ives, investment advisors in St Ives, and other different St Ives experts.

If you need local info on St Ives, Cambridgeshire click here

Independent financial advisor in PE27 area, 01736.

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(This financial advisor St Ives article was successfully updated on 06-05-2022)