Financial Advisor Stone

Stone Independent Financial Advice & Investment

Financial Advisor Stone Staffordshire (ST15): It can be a daunting experience trying to find a reliable independent financial advisor in Stone, in particular if it's the very first time that you're needing financial advice. Whether you are searching for investments, mortgage, pensions or even insurance advice, all financial advisors are bound by one simple rule; they all have to conform to the regulations set by the Financial Conduct Authority (FCA). Any advice given by a FCA certified financial advisor in Stone comes with guarantees that if anything should go awry, you have access to the Financial Ombudsman or the Financial Services Compensation Scheme.

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When choosing a financial advisor in Stone, a good place to start could be family and friends, but you must keep in mind that your circumstances may not be in line with theirs, and you might be in need of a different kind of advice. Not every financial advisor is suitable for everybody, and any advice they provide should be tailored to your particular situation. Choosing the right financial advisor is crucial and it pays to talk with at least three different companies so as to check out the options they can provide, and to find one you feel comfortable with and can trust.

Financial Advisor Stone Staffordshire (ST15)

When it comes to picking a financial advisor in Stone, there are two principal types; restricted advisors and independent financial advisors. Offering a more diverse range of options, an independent financial advisor will not be restricted to a single provider's services and products. Independent financial advice must encompass the entire gamut of financial companies and products, and should be offered in an impartial way. Consulting an IFA should allow you to select from the broadest possible array of products. A restricted financial advisor may be tied to services and products from a single provider, or may even focus on a specific product, as may be the case with a mortgage advisor.

The Financial Conduct Authority demands that any Stone financial advisor must fully discuss their charges with you, before accepting you as a client. Although it can vary based on the type of service you are looking for, there may be a set fee, an hourly rate, or you could even be charged a specific percentage of the money you are investing. A free initial consultation might be offered, so that you can discuss your goals and situation to determine whether the advisor is a good fit. Your account could be looked after by a team as opposed to a single advisor, if you opt to go to one of the larger firms in Stone.

Financial Advisors Stone UK (01785)

You will have to fill in a "Fact Find" document, which is a confidential disclosure form relating your goals and financial situation to the advising company. You will also be handed an Initial Disclosure, or Key Facts Document, which provides information about the financial advisor, their status to offer independent or restricted advice and their range of permissions in the financial sector. If you're not satisfied with the service provided, and wish to complain, this document should also set down your own rights and the options you can take. It should be written in plain English and detail what you are committing yourself to, and any possible risks and benefits that exist should you decide to accept the advice offered. This document must also inform you of the allowed cooling-off period. Within a specific time period, this permits you to cancel your contract with the financial advisor.

The first time you are speaking to the financial advisor ensure that you check what qualifications and experience they have. You shouldn't be self-conscious about asking these questions, after all you're just about to entrust your financial wellbeing to their expertise. A Level 4 qualification is the minimum certification for any financial advisor in Stone, and they must also be able to present you with an annual Statement of Professional Standing. Don't freak out if your specific financial advisor's name does not show up on the Financial Services Register, providing the company is on the register, their staff are covered by the regulations. The individual may still offer financial guidance rather than advice, if these can't be presented. In financial terms guidance is different to advice and isn't regulated. Therefore there isn't any recourse for the client if financial mistakes are made.

Financial Advisor Quotes in Stone Staffordshire

If it is investing money that you are interested in, the advisor will question you about the amount of risk you are willing and able to accept with your hard-earned cash. Higher risk investments may potentially offer substantial rewards, however some or all of your cash could be lost. In order to get the best investment and financial advice, your savings objectives will need to be given careful consideration, i.e. short or long term investments, how quickly you need access to your money and how much you have to invest. You should always ask yourself the one important question, how much money can you truly afford to lose. Referred to as your 'capacity for loss', this will very likely influence the services and products that you're offered.

Financial Advice Near Stone Staffordshire

You'll want to let your financial advisor know about any current regular payments, investments, mortgage loans or savings accounts. To make certain that you receive the most appropriate advice for you, they need a clear and full picture of your financial circumstances. Spreading the risk load across various different products through the diversification of your investments and savings, is something that sound financial advice should encompass. So as to reflect your goals and financial situation, a certified financial advisor in Stone will be aware of the best areas to consider.

Communicating in in the simplest terms possible, your financial advisor will lay bare the multifaceted world of finance and investment. You should be able to come to an informed decision when you have compared the various services and products that match your needs. If you're environmentally minded, you could perhaps ask your financial advisor to stick to ethical investment and savings schemes. You will then be able to stay away from companies that firms meet your standards, and instead support those companies and businesses that address your concerns, for instance renewable energy or zero carbon.

It is not that easy to have a close working relationship with a financial advisor in Stone without this affecting your work life and other commitments. This can be reduced by augmenting face-to-face meetings with phone calls and video conferencing, therefore enabling you to get the guidance you need at convenient times. Working from home and remote working is now a large part of our society, and any experienced financial advice firm in Stone will have strict measures in force to keep your details secure and confidential, even if you hardly ever have a one-to-one meeting with your personal advisor.


Investments can be an unpredictable area, and values can go down as easily as they go up. It can be quite demoralising and worrying if your investment is not making as much money as you were hoping for. However, unless it's because of misleading or incorrect information from your financial advisor, a downward trend in your investment is not seen as a cause for complaint.

Independent Financial Advisor Near Stone (ST15)

As laid out in the Key Facts Document, any grievances should start out with the firm's complaints procedure. If the problem remains unsolved within the period set by the regulating authority, and the financial advisor is registered with the Financial Conduct Authority, you can contact the Financial Ombudsman.

The Financial Ombudsman will come to a decision after independently reviewing the cause for complaint. A decision will be made on how to financially compensate the client, if the complaint is justified. This will become legally binding as soon as it has been agreed on by the client, and the financial advisor and their firm must abide by the ruling. Any inconvenience, annoyance, distress and trouble caused to the client during the process, will be considered when the Ombudsman sets the level of compensation.

Book a Financial Advisor in Stone UK

Financial advice can be provided in Stone and also nearby in: Rough Close, Cresswell, Eccleshall, Cotes Heath, Milwich, Barlaston, Stonefield, Moddershall, Weston, Swynnerton, Little Stoke, Tittensor, Sandon, Great Bridgeford, Walton, Cold Meece, Fulford, Hilderstone, as well as in these postcodes ST15 0DZ, ST15 0DU, ST15 0SF, ST15 0DB, ST15 0LU, ST15 0XH, ST15 0LY, ST15 0JE, ST15 0AS, ST15 0AN. Local Stone financial advisers will probably have the postcode ST15 and the telephone dialling code 01785. Verifying this should confirm that you access local financial advisers. Stone householders are able to benefit from these and countless other related services. Click the "enquiry" banner or form to get details about financial advisors in your location.

Stone Financial Advice Services

Financial Advice Tasks Stone

There is a wide range of services which are provided by your local Stone financial advisor including family income benefit, life insurance advice, bridging finance in Stone, unit trusts, long term care fee planning, stakeholder pension advice, annuity purchases, personal financial planning, ISA's, personal pensions, financial planning in Stone, will writing services Stone, pension reviews, ethical investment advice, mortgage services, divorce financial planning, personal protection, pensions in divorce, inheritance tax planning Stone, pension consolidation, independent financial advice, portfolio management, wealth management & investments Stone, mutual funds, equity release advice, bereavement benefits, pension planning, cashflow analysis, financial advice services in Stone, savings advice Stone, and lots more. These are just an example of the duties that can be undertaken by a financial advisor. Stone professionals will keep you informed about their whole range of financial services.


Financial Advisors Near Stone

Also find: Stonefield financial advisers, Barlaston financial advisers, Walton financial advisers, Sandon financial advisers, Little Stoke financial advisers, Moddershall financial advisers, Swynnerton financial advisers, Tittensor financial advisers, Milwich financial advisers, Hilderstone financial advisers, Weston financial advisers, Eccleshall financial advisers, Fulford financial advisers, Cresswell financial advisers, Cold Meece financial advisers, Rough Close financial advisers, Great Bridgeford financial advisers, Cotes Heath financial advisors and more. All these towns and villages are served by local financial advisers. Stone residents can get price quotes by clicking here.

Stone Financial Advice Services

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Financial Advisors Around Stone: In Shepley Close, Cedar Park, The Crossings, Stafford Road, Walton Cross, Crestwood Drive, High Street, Kingsland Close, Arthur Street, Foxwood Close, Alexandra Street, Tilling Drive, Priory Close, Jordan Way, Berkeley Street, Victoria Street, Rendel Grove, Sawyer Way, Hawley Close, Hoskings Close, Newcastle Road, Morland Close, Spring Gardens, Sheridan Way, Bentley Close, Broomfield Close, Old Rectory Road, Whitebridge Way, Elmhurst Way, as well as the following local Stone postcodes: ST15 0DZ, ST15 0DU, ST15 0SF, ST15 0DB, ST15 0LU, ST15 0XH, ST15 0LY, ST15 0JE, ST15 0AS, ST15 0AN, folks have just recently needed financial and investment advice. People residing in these local areas recently needed help from a financial advisor. Stone residents enjoyed the benefits of trusted and reliable financial services in every case.

For the best local information relating to Stone, Staffordshire check here

Independent financial advisor in ST15 area, telephone code 01785.

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(This financial advisor Stone information was revised and updated on 01-09-2022)