Financial Advisor Stourbridge

Stourbridge Independent Financial Advice & Investment

Financial Advisor Stourbridge West Midlands (DY7): If you are in search of financial advice for the first time, trying to locate a good financial advisor advisor in Stourbridge can be a daunting experience. Nevertheless, all professional financial advisors have one thing in common; they must all adhere to the regulations set by the Financial Conduct Authority, whether you're after pension, mortgage, investment or even insurance guidance. The benefit of this is that if a financial advisor who is FCA registered gives you bad advice, and things go awry, you have guarantees, and can get in touch with the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to have it put right.

Free Stourbridge Financial Advisor Quotes

A decent starting point when choosing a financial advisor in Stourbridge could be relatives and friends, but keep in mind that the kind of advice you are looking for could be somewhat different to theirs. Every financial advisor isn't suitable for everyone, and their advice should be adapted to your unique situation. To investigate the various options that they can provide and find a financial advisor you can trust and feel at ease with, it pays to speak to at least three different firms, because picking a financial advisor is a big decision.

Financial Advisor Stourbridge West Midlands (DY7)

When it comes to picking a financial advisor in Stourbridge, there are two principal types; independent financial advisors and restricted advisors. The benefit of seeing an independent financial advisor is that they should not be confined to just one provider's products and services, and can offer a wider range of options. Independent financial advice must be given in an impartial and unbiased way and across the entire gamut of financial products and companies. If you choose to use an IFA, you'll be able to pick from the widest possible array of products, so as to find the ideal solution for you. If you use a restricted financial advisor you will soon realise that they might be restricted to services and products of one particular provider, or as in the case of a mortgage advisor, may only be concerned with one product.

The FCA requires that any Stourbridge financial advisor must tell you about their charges, before taking you on as a client. Dependant upon the product you are looking for, you could be charged a set fee, by the hour or maybe even a proportion of your investment. A free preliminary consultation may be offered, so you can discuss your objectives and circumstances to see if the advisor is a good fit. Your account could be looked after by a team rather than one individual advisor, if you opt to go to one of the bigger firms in Stourbridge.

Financial Advisors Stourbridge UK (01384)

Before any financial advice is given you'll be asked to fill in a confidential disclosure document, called a "Fact Find" form, which informs the advising company about your ambitions and financial situation. An Initial Disclosure, or Key Facts Document will also be given to you, to provide information regarding the financial advisors themselves, outlining the scope of their permissions in the financial market and their situation for offering restricted or independent advice. If you're not happy with the service provided, and wish to make a complaint, this document should also set down your legal rights and the possible options you can take. It should outline precisely what you are signing up for, and any possible risks and benefits if you elect to accept the advice offered, and it should be laid out in clear language. You'll find the level of cooling-off period in the Key Facts Document. This allows you to have a change of heart within a certain period of time, and cancel the contract with your financial advisor.

You'll want to check what experience and qualifications the financial advisor has the first time you speak with them. Don't be embarrassed about asking these questions, after all you are about to entrust your financial future to their expertise. Every Stourbridge financial advisor must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. If your advisor's name doesn't show up on the Financial Services Register, you don't need to freak out, the firm the individual works for will almost certainly be on the register and their staff are all covered by the legislation. If they are unable to present this evidence, the individual cannot offer advice but can offer financial guidance. In terms of finance guidance differs to advice and is not regulated in the same way. Therefore there's no recourse for either party if financial mistakes are made.

Financial Advisor Quotes in Stourbridge West Midlands

If it is investments that you are interested in, the advisor will need to know the level of risk you might be willing to take on with your hard-earned cash. Higher risk investments may offer higher rewards, however all or some of your money could be lost. In order to get the most beneficial financial and investment advice, your savings aims will need to be taken into account, i.e. short or long term investments, how much capital you want to invest and how rapidly you need access to your funds. "How much money can you actually afford to lose?" Is the one important question that you really need to ask yourself. This might affect the products and services that could be offered for your consideration, and is generally referred to as your capacity for loss.

Financial Advice Near Stourbridge West Midlands

Right from the start, it's vital that you let your financial advisor know about any existing mortgages, investments, regular outgoing payments or savings that you have. They'll need these details, so they can get a clear picture of your finances and give the correct advice for your needs. Diversifying your savings and investments by spreading the risk load across a range of different products, is a crucial part of good quality financial advice. A qualified financial advisor in Stourbridge will have the knowledge of the best areas to consider, which mirror your goals and your financial situation.

A financial advisor will unmask the complex world of finance, and converse in as plain a speech as possible. After learning about the various services and products that meet your needs, you should be able to come to an informed and deliberative decision. If the environment is important to you, you could ask that ethical investments and savings take precedence. This does not just give you investment opportunities, but also allows you to lend your support to green energy or zero carbon projects, and stay away from companies that don't share the same values as you do.

Working together with your financial advisor in Stourbridge can be tricky to manage around your work day and other commitments. This can be alleviated by augmenting face-to-face meetings with telephone calls and video conferencing, hence enabling you to get the advice you need at convenient times. An experienced financial advice firm in Stourbridge will have rigorous measures in force to ensure your details are kept secure and confidential, even if you never have an in-person meeting with your personal advisor, because home and remote working is no longer unusual.


Investments can be an unpredictable area, and values could go down as well as up. If it just so happens that your investment is not making as much money as you were hoping for, it can be an extremely demoralising and worrying time. A downward spiral in your investment is not a recognised grounds for complaint, unless your financial advisor has supplied you with wrong or misleading information.

Independent Financial Advisor Near Stourbridge (DY7)

As indicated in the Key Facts Document, any disputes should start out with the company's official complaints procedure. You can let the Financial Ombudsman know about the problem if it is unsolved within the time schedule stipulated by the regulating authority, and your advisor is registered with the Financial Conduct Authority.

The Financial Ombudsman will make a ruling after reviewing the cause for complaint independently. If it is found that the complaint is justifiable, a decision will be made on how the customer can be compensated or the situation rectified. This will become a legally binding decision once it has been agreed on by the client, and the financial advisor and their firm must comply with the decision. Any hassle, inconvenience, distress and upset caused to the client during the dispute, will be taken into account when the Ombudsman fixes the level of compensation.

Book a Financial Advisor in Stourbridge UK

Financial advice can be provided in Stourbridge and also nearby in: Quarry Bank, Brockmoor, Amblecote, Wollaston, Oldwinsford, Belle Vale, Pedmore Fields, Wollescote, Audnam, Iverley, Potters Cross, Kingswinford, Kinver, Wordsley, Stourton, together with these postcodes DY8 1HP, DY7 5AW, DY5 3LT, DY8 1DA, B63 2ES, DY7 6PT, DY8 1BT, DY8 1HJ, DY6 9TD, DY6 9SP. Local Stourbridge financial advisors will probably have the postcode DY7 and the telephone dialling code 01384. Simply click the "enquiry" banner or form to get specifics of financial advisors in your location.

Stourbridge Financial Advice Services

Financial Advice Tasks Stourbridge

There is a wide range of services which are provided by your local Stourbridge financial advisor including trustee investment services, investment bonds in Stourbridge, pension consolidation Stourbridge, inheritance tax planning Stourbridge, stakeholder pension advice Stourbridge, cheap financial advice, portfolio management, cash flow modelling, pension plans, long term care fee planning Stourbridge, pension reviews, unit trusts in Stourbridge, independent financial advice, investment advice, personal financial planning, ISA's in Stourbridge, business planning in Stourbridge, annuity purchases, financial services, family income benefit, bridging finance, corporate financial planning, cashflow analysis, pension transfer advice, will writing services in Stourbridge, and lots more.

A Financial Advisor's Daily Duties

  • Financial advisors recommend the best-suited financial products to their clients.
  • Financial advisors continually update customers about their investments.
  • Financial advisors meet sales and performance targets.
  • Financial advisors keep detailed records of clients and transactions.
  • Financial advisors work with associates to collect statistics, trends and market information.
  • Financial advisors provide consultation, education and counselling regarding investments and finances.
  • Financial advisors produce comprehensive financial reports.
  • Financial advisors keep fully abreast of new products and legislation changes.
  • Financial advisors speak to customers about their plans and finances.
  • Financial advisors negotiate with financial product providers.

Financial Advisors Near Stourbridge

Also find: Pedmore Fields financial advisors, Amblecote financial advisors, Potters Cross financial advisors, Iverley financial advisors, Oldwinsford financial advisors, Wollaston financial advisors, Kingswinford financial advisors, Quarry Bank financial advisors, Stourton financial advisors, Kinver financial advisors, Wordsley financial advisors, Wollescote financial advisors, Belle Vale financial advisors, Audnam financial advisors, Brockmoor financial advisors and more.

Stourbridge Financial Advice Services

Find a Financial Advisor in Stourbridge Here
Financial Advice Enquiries in Stourbridge West Midlands (01384)
  • Stourbridge Investment Advice
  • Stourbridge Trustee Investments
  • Stourbridge Cashflow Analysis
  • Stourbridge Inheritance Advice
  • Stourbridge Pension Advice
  • Stourbridge Life Insurance Advice
  • Stourbridge Estate Planning
  • Stourbridge Cheap Financial Advice
  • Stourbridge Financial Advice Quotes
  • Stourbridge Financial Services
  • Stourbridge Tax Advice
  • Stourbridge Corporate Financial Planning
  • Stourbridge Wealth Management
  • Stourbridge Financial Advice

Financial Advisors Around Stourbridge: Some Stourbridge areas and streets where financial advice has recently been given - The Rocks, Broom Hill, Dudley Road, Scafell Road, Star Street, Bell Meadow, St Kenelms Pass, Spring Close, The Parklands, Brookside, School Drive, Swan Street, Cecil Street, Carver Gardens, Castle Street, Danford Close, St Andrews Close, Brook Street, Sutton Street, Barnett Hill, South Gardens, Sandringham Place, Drayton Road, Sandpiper Close, Bank Farm Close, Snowdon Road, Brantley Crescent, Crofters Close, Coleford Close, Cedar Close, as well as the following Stourbridge area postcodes: DY8 1HP, DY7 5AW, DY5 3LT, DY8 1DA, B63 2ES, DY7 6PT, DY8 1BT, DY8 1HJ, DY6 9TD, DY6 9SP.

If you want local Stourbridge information go here

Independent financial advisor in DY7 area, telephone code 01384.

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