Financial Advisor St Ives

St Ives Independent Financial Advice & Investment

Financial Advisor St Ives Cambridgeshire (PE27): It can be an intimidating experience trying to find a first-rate independent financial advisor in the St Ives area, in particular if it's the first time that you are in search of financial advice. Whether it is pensions, investment, mortgage or even insurance guidance that you are searching for, there is one common rule for all qualified financial advisors; they must all observe Financial Conduct Authority regulations. This comes with certain guarantees, so after getting advice from a FCA registered financial advisor in St Ives, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if anything goes awry.

Free St Ives Financial Advisor Quotes

When picking a financial advisor in St Ives, a good place to begin could be family and friends, but you must keep in mind that your circumstances may not be the same as theirs, and you may be in need of a different sort of advice. Financial advice needs to be individually tailored to your unique circumstances, and you will find that some financial advisors may not be suitable for you. To investigate the options they're offering and find a financial advisor that you can trust and feel comfortable with, it is a good idea to chat to at least three different firms, because after all choosing a financial advisor is a major decision.

Financial Advisor St Ives Cambridgeshire (PE27)

When you're looking to pick a financial advisor in St Ives, there are two principal types; independent financial advisors and restricted advisors. The benefit of using an independent financial advisor is that they will not be limited to a single provider's products and services, and can offer a wider range of options. Independent financial advice should encompass the entire spectrum of financial products and companies, and should be offered in an impartial way. If you opt to use an independent financial advisor, you'll be able to select from the widest possible array of products, in order to find the ideal solution for your needs. A restricted advisor may be concerned with an individual product, such as a mortgage advisor, or be limited to products and services from a particular firm.

Before any financial advisor takes you on as a client, they are required by the Financial Conduct Authority to tell you about their charges. According to the type of service you are interested in, you could be charged by the hour, a set fee or even a slice of your investment. To discuss your aims and find out if the advisor is the correct fit for you and your situation, a free initial consultation may be offered. Your account may be handled by a team rather than a single advisor, if you decide to go to one of the larger St Ives firms.

Financial Advisors St Ives UK (01736)

To outline your objectives and financial situation to the advising company, you'll be asked to fill out a "Fact Find" document, which is a confidential disclosure form. A Key Facts or Initial Disclosure Document will also be given to you, providing details about the financial advisors themselves, outlining their range of permissions in the financial sector and their status to offer independent or restricted advice. Your rights will also be spelled out in this document, in addition to the options you can take if you want to complain because you are not happy with the service you're given. It has to be easy to understand, written in layman's terms, and describe exactly what you're committing yourself to, together with the risks and benefits of taking the proffered advice. The cooling-off period should also be fully explained in this Key Facts Document. This makes it possible for you to have a change of heart within a certain period of time, and cancel the agreement with your financial advisor.

The first time you are speaking with the financial advisor you'll want to check what qualifications and experience they've got. Asking such questions should not cause you any embarrassment, because after all you're entrusting them with your financial future. All financial advisors in St Ives must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. You shouldn't freak out if your specific advisor's name does not appear on the Financial Services Register, providing the company is listed on the register, their employees are covered by the regulations. If these can't be provided the person can still offer financial guidance instead of advice. Guidance is somewhat different to advice as it isn't regulated in the same way, and if mistakes occur there may be no recourse to either party.

Financial Advisor Quotes in St Ives Cambridgeshire

If you are looking for advice on investments you will be asked about the level of risk you're ready and able to take. Higher risk investments may potentially offer larger rewards, however some or all of your capital could be lost. In order to get the very best investment and financial advice, your savings goals must be given careful consideration, i.e. how much you have to invest, long or short term investments and how quickly you need access to your funds. You must always ask yourself the one vital question, how much can you truly afford to lose. This may influence the services and products that you are offered, and is referred to as your 'capacity for loss'.

Financial Advice Near St Ives Cambridgeshire

You must tell your financial advisor about any current investments, regular payments, mortgages or savings accounts. They will need this information, so they can get a clear picture of your financial circumstances and give the appropriate advice for you. Good quality financial advice should include diversifying your savings and investments by spreading the risk across a range of different products. Having an understanding of the best areas to consider, a professional financial advisor will favour products that match your goals and financial circumstances.

A financial advisor will reveal the multifaceted world of finance, and converse in as much plain speech as possible. You should be in a position to come to an informed and considered decision when you have compared the various products and services that match your needs. If you are environmentally minded, you could perhaps ask your advisor to stick to ethical investment and savings schemes. This allows you to give your support to companies and enterprises that address your concerns, i.e. zero carbon or green energy, or perhaps keeping away from firms that don't meet your standards.

Working together with a financial advisor in St Ives can be difficult to manage around work and other obligations. This can be reduced by supplementing face-to-face appointments with telephone and video conferencing, thus enabling you to get the guidance you need at convenient times. A professional financial advice company in St Ives will have strict measures in force to keep your details secure and confidential, even if you rarely have an in-person meeting with your advisor, because remote and home working is now so common.


Investments can be a volatile area, and values can go down as well as up. If it happens that your investment is not making the amount of money you hoped for, it can be an extremely worrying and demoralising time. Your investment having a downward trend isn't a recognised cause for complaint, unless your financial advisor has supplied you with misleading or incorrect information.

Independent Financial Advisor Near St Ives (PE27)

Any disputes should start with the company's complaints procedure as indicated in the Key Facts Document. You can tell the Financial Ombudsman about the problem if it remains unresolved within the time-frame stipulated by the regulating body, and your advisor is a member of the Financial Conduct Authority.

The Financial Ombudsman will come to a decision after reviewing the cause of the complaint independently. If the complaint is justified, a decision will be made on how to financially compensate the client. Once the ruling has been agreed on by the customer it becomes a legally binding decision which the advisor and their company, must comply with. Any distress, trouble, inconvenience and upset caused to the customer during the process, will be taken into account when the Ombudsman fixes the level of compensation.

Book a Financial Advisor in St Ives UK

Financial advice can be provided in St Ives and also in nearby places like: Loggans, Leedstown, Lelant, Ludgvan, Treloyhan, Canons Town, Halsetown, Carbis Bay, Towednack, Ayr, Fraddam, Gwithian, Crowlas, Carnhell Green, Nancledra, St Erth, Hayle, Zennor, Phillack, and in these postcodes TR26 1FA, TR26 1QT, TR26 1DG, TR26 1JH, TR26 1AF, TR26 1AL, TR26 1LT, TR26 1ER, TR26 1PY, TR26 1NY. Locally based St Ives financial advisers will likely have the postcode PE27 and the telephone dialling code 01736. Click the "enquiry" banner or form to get info on financial advisors in your area.

Cambridgeshire Financial Advisors

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In the Cambridgeshire area you will likewise discover: Bassingbourn financial advice, Willingham investment advisors, Coates financial advice, Somersham financial advice, Perry investment advice, Leverington financial advice, Hemingford Grey financial advice, Littleport financial advice, Burwell financial advice, Woodditton investment advice, Whittlesford investment advisors, Wyton financial advice, Kimbolton investment advisors, Mepal investment advice, Godmanchester financial advisors, Longstanton financial advisors, Gorefield financial advisors, Glinton investment advisors, Barrington financial advisors, Orwell investment advisors, Coton investment advice, Bourn financial advice, Great Paxton financial advisors, Orton Longueville financial advisors, Orwell financial advisors, Bottisham financial advisors, Witchford financial advice, Bretton investment advice.

St Ives Financial Advice Services

Financial Advice Tasks St Ives

There is a variety of services which can be provided by your local St Ives financial advisor including financial analyst services, investment advice, wealth management & investments, cashflow analysis, business financial planning, portfolio management St Ives, pension drawdowns St Ives, life assurance advice, divorce financial planning in St Ives, income protection, financial advice services, pension advice, corporate financial planning, financial planning, pension plans in St Ives, mortgage advice in St Ives, investment bonds, trusts, unit trusts, ethical investments in St Ives, will writing services, inheritance tax planning, bridging finance, stakeholder pension advice, cheap financial advice, and more.

A Financial Advisor's Day to Day Duties

  • Financial advisors keep abreast of regulation changes and new financial products.
  • Financial advisors work with associates to collect statistics, trends and market information.
  • Financial advisors talk to clients regarding their finances and plans.
  • Financial advisors produce in-depth financial reports.
  • Financial advisors constantly update clients regarding their investments.
  • Financial advisors maintain a record of potential transactions and customers.
  • Financial advisors recommend the best-suited financial products to their customers.
  • Financial advisors negotiate with providers of financial products.
  • Financial advisors meet targets for sales and performance.
  • Financial advisors provide consultation, education and counselling with regards to investments and finances.

Financial Advisors Near St Ives

Also find: Canons Town financial advisors, Fraddam financial advisors, Loggans financial advisors, Crowlas financial advisors, Ludgvan financial advisors, Halsetown financial advisors, Gwithian financial advisors, Treloyhan financial advisors, Nancledra financial advisors, Hayle financial advisors, Leedstown financial advisors, Towednack financial advisors, St Erth financial advisors, Carnhell Green financial advisors, Carbis Bay financial advisors, Phillack financial advisors, Lelant financial advisors, Ayr financial advisors, Zennor financial advisors and more.

St Ives Financial Advice Services

Find a Financial Advisor in St Ives Here
Financial Advice Enquiries in St Ives Cambridgeshire (01736)
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Financial Advisors Around St Ives: Households in Salisbury Close, Bure Close, Brook Way, Ramsey Road, Green End Barns, Redwell Close, Victor Close, Dunnock Way, Sheep Market, Harding Way, Monarch Court, Canberra Drive, Chaucer Way, Burleigh Road, West Leys, Parkway, Witham Close, Ansley Way, Romney Close, The Pound, Gainsborough Drive, Kings Hedges, Willow Way, Sharp Close, Grebe Close, St. Georges Road, The Waits, Fraser Drive, Merryland, Deben Avenue, Black Hill Road, have needed financial advice just recently. Financial advisors have also been active in the following local St Ives postcodes: TR26 1FA, TR26 1QT, TR26 1DG, TR26 1JH, TR26 1AF, TR26 1AL, TR26 1LT, TR26 1ER, TR26 1PY, TR26 1NY.

Financial Adviser Jobs St Ives: Browse financial advisor jobs in St Ives here: General Financial Advisor Jobs

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Independent financial advisor in PE27 area, 01736.

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