Financial Advisor Stourport-on-Severn

Stourport-on-Severn Independent Financial Advice & Investment

Financial Advisor Stourport-on-Severn Worcestershire (DY13): Locating a first-rate independent financial advisor in Stourport-on-Severn can be an intimidating experience, especially if you're needing financial advice for the very first time. Whether you're searching for investment, mortgage, pension or even insurance advice, all qualified financial advisors are bound by one simple rule; they must all follow the regulations set by the Financial Conduct Authority. The advantage of this is that should a financial advisor who is FCA certified give you poor advice, and things go awry, you've got guarantees, and are able to go to the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to get it put right.

Free Stourport-on-Severn Financial Advisor Quotes

A good starting place when picking a financial advisor in Stourport-on-Severn may be friends and relations, but bear in mind that the kind of advice you're searching for could be different to theirs. Financial advice must be specifically tailored to your particular circumstances, and you will find that some financial advisors may not be suitable for your requirements. Choosing the right financial advisor is important and it is a good idea to talk to at least 3 different firms in order to investigate the options they provide, and to find one that you can trust and feel comfortable with.

Financial Advisor Stourport-on-Severn Worcestershire (DY13)

There are two principal types of financial advisor in Stourport-on-Severn; restricted advisors and independent financial advisors. An independent financial advisor will not be restricted to the products or services of a single provider. Independent financial advice must be given in an impartial and unbiased way and across the entire gamut of financial companies and products. If you opt to use an IFA, you will be able to pick from the broadest possible range of services, so as to find the ideal solution for your needs. If you use a restricted advisor you will discover that they could be limited to products and services of a specific provider, or as with a mortgage advisor, will only be concerned with one individual product.

Before any financial advisor in Stourport-on-Severn takes you on as a client, they're required by the FCA to be transparent about their charges. Although it varies based upon the kind of service you're interested in, there could be a set fee, an hourly rate, or you might even be charged a specific percentage of the money you're investing. A free initial consultation may be offered, so that you can discuss your goals and circumstances to find out if the advisor is the best fit. Your account could be managed by a team as opposed to a single advisor, if you opt to go to one of the larger Stourport-on-Severn companies.

Financial Advisors Stourport-on-Severn UK (01299)

To outline your aims and financial situation to the advising company, you will be asked to fill out a "Fact Find" form, which is a confidential disclosure document. You will also be handed an Initial Disclosure Document, or Key Facts Document, which provides information about the financial advisor, their situation for offering restricted or independent advice and their scope of permissions in the financial market. If you're not happy with the service provided, and wish to submit a complaint, this document should also lay out your legal rights and your options. It must be written in plain language and detail what you're signing up for, and any potential benefits and risks that exist should you opt to accept the offered advice. The cooling-off period should also be explained in this Key Facts Document. This allows you to change your mind within a certain period of time, and cancel your contract with the financial advisor.

The first time you're speaking to your financial advisor you'll want to check what qualifications and experience they have. After all you're on the verge of entrusting your long-term financial wellbeing to their expertise, so you must not be self-conscious about asking these questions. All Stourport-on-Severn financial advisors must hold at least a Level 4 qualification and present an annual Statement of Professional Standing. When checking the Financial Services Register, don't panic if your financial advisor's name does not show up on there; you ought to be able to locate the firm name, and that means the legislation covers all of their employees. If these can't be provided the individual can still offer financial guidance rather than financial advice. In terms of finance guidance is different to advice and isn't regulated. Therefore there is no recourse for the client if financial blunders are made.

Financial Advisor Quotes in Stourport-on-Severn Worcestershire

If it is investments that you're interested in, your advisor will question you about the level of risk you are ready and able to take on with your hard-earned cash. Many investments carry some element of risk, but high risk investments may offer substantial rewards, but also more likelihood of losing some or all of your cash. In order to get the very best investment and financial advice, your savings objectives will have to be considered, i.e. how much money you want to invest, how rapidly you need to access your money and long or short term investments. The one question that you should ask of yourself, which is usually ignored, is how much money you can actually afford to lose. This is commonly called your capacity for loss and could affect the services and products that could be offered to you.

Financial Advice Near Stourport-on-Severn Worcestershire

You'll want to tell your financial advisor about your current personal savings, mortgage loans, investments or regular outgoing payments. This should give a clear picture of your financial situation, and without this the advice given will most likely not be the most suitable for you. Diversifying your savings and investments by spreading the risk across a range of different products, is an important part of sound financial advice. A seasoned financial advisor in Stourport-on-Severn will have the knowledge of the best products to consider, which match your financial situation and your goals.

Communicating in in the simplest terms possible, your financial advisor will unveil the complex world of investment and finance. This will help you to compare services and products which match your needs, and come to an informed decision. If the environment is at the forefront of your mind, you could even ask that ethical investment and savings schemes take top priority. You will then be able to avoid corporations that firms meet your requirements, and instead support those firms and businesses that address your concerns, for instance zero carbon or green energy.

It's not that easy to have a close working relationship with a financial advisor in Stourport-on-Severn without this affecting your work and other responsibilities. One-on-one meetings can be augmented with video conferencing and telephone to enable you to seek advice at a time to suit you. Even if you never have a one-on-one meeting with your personal advisor, an experienced financial advice firm in Stourport-on-Severn will have rigorous measures in place to ensure your details are kept confidential and secure, because working from home and remote working is now a large part of our society.


Investments can easily go down as well as up, as the financial sector can be volatile. It can be incredibly frustrating and worrying if your investment is not making the amount of money you hoped for. However, unless it's owing to wrong or misleading information from your financial advisor, a downward spiral in your investment is not seen as a cause for complaint.

Independent Financial Advisor Near Stourport-on-Severn (DY13)

As outlined in the Key Facts Document, any grievances should start out with the firm's complaints procedure. If the matter is unsolved within the time period set by the regulating authority, and your advisor is registered with the FCA, you can inform the Financial Ombudsman.

The Financial Ombudsman will look into the cause for complaint and make a ruling. If the complaint is found to be justified, a decision will be made on how to rectify or financially compensate the customer. Once agreed on by the client, the ruling will become a legally binding one, and the financial advisor and their firm must comply with it. Any compensation set by the Ombudsman will also take into account any distress, inconvenience, hassle and annoyance caused to the client during the process.

Book a Financial Advisor in Stourport-on-Severn UK

Financial advice can be provided in Stourport-on-Severn and also in: Titton, Abberley, Worcester, Rock, Upper Mitton, Great Witley, Areley Kings, Summerfield, Hartlebury, Dunley, Newtown, Kidderminster, Wilden, Bewdley, Hoobrook, Shenstone, Heightlington, Astley Cross, Rushock, Pensax, as well as in these postcodes DY13 0LG, DY13 8BX, DY13 0DS, DY11 7DY, DY13 0JA, DY13 8BD, DY13 0HG, DY13 0DL, DY13 8BN, DY13 8BF. Local Stourport-on-Severn financial advisers will most likely have the dialling code 01299 and the postcode DY13. Checking this can guarantee you're accessing locally based financial advisers. Stourport-on-Severn householders will be able to benefit from these and numerous other finance related services.

Pension Planning

Taking a key step towards a secure retirement involves pension planning. Considerable process improvement is attainable through the engagement of a financial advisor's services. Designing a personalised pension solution, a competent advisor will assess your current financial circumstances and understand your retirement objectives. They handle the complexities of UK pension choices, which encompass the state pension, workplace pensions, and self-invested personal pensions. Making informed decisions about contributions, investment choices and tax implications can be achieved by leveraging their expertise. Working with a financial advisor in Stourport-on-Severn guarantees the creation of an effective pension plan, providing peace of mind and financial stability for your future. (61324)

Stourport-on-Severn Financial Advice Services

Financial Advice Tasks Stourport-on-Severn

There are a number of different services which can be provided by your local Stourport-on-Severn financial advisor including pensions in divorce Stourport-on-Severn, investment consolidation advice Stourport-on-Severn, pension consolidation, will writing services, personal pensions advice Stourport-on-Severn, pension planning, bereavement benefits, inheritance tax planning in Stourport-on-Severn, multi-asset portfolios, investing an inheritance, trustee investment services in Stourport-on-Severn, savings advice, family income benefit, personal protection, annuity purchase in Stourport-on-Severn, financial services, cheap financial advice, familt controlled trusts Stourport-on-Severn, ISA's Stourport-on-Severn, mortgage financial planning, mutual funds, wealth management & investments, ethical investment advice, general financial planning, portfolio management, independent financial advice, personal financial planning in Stourport-on-Severn, bridging finance in Stourport-on-Severn, life assurance Stourport-on-Severn, business protection Stourport-on-Severn, and lots more. These are just a selection of the activities that can be undertaken by a financial advisor. Stourport-on-Severn professionals will tell you about their full range of services.


Financial Advisors Near Stourport-on-Severn

Also find: Heightlington financial advisors, Areley Kings financial advisors, Astley Cross financial advisors, Titton financial advisors, Abberley financial advisors, Upper Mitton financial advisors, Hartlebury financial advisors, Wilden financial advisors, Summerfield financial advisors, Rock financial advisors, Rushock financial advisors, Dunley financial advisors, Pensax financial advisors, Hoobrook financial advisors, Great Witley financial advisors and more. People who are searching for financial advice, will find that these services are available in pretty much all of these towns and areas. Householders in these localities can make enquiries about financial advice by clicking here.

Stourport-on-Severn Financial Advice Services

Find a Financial Advisor in Stourport-on-Severn Here
Financial Advice Enquiries in Stourport-on-Severn Worcestershire (01299)
  • Stourport-on-Severn Wealth Management
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  • Stourport-on-Severn Mortgage Advice
  • Stourport-on-Severn Life Insurance Advice
  • Stourport-on-Severn Pension Advice
  • Stourport-on-Severn Tax Advice

More Stourport-on-Severn Services: Not surprisingly, when you are looking at your finances in Stourport-on-Severn, Worcestershire, you will likely be in need of all kinds of different services and along with a financial advisor in Stourport-on-Severn, Worcestershire, you may also need investment advisors in Stourport-on-Severn, solicitors in Stourport-on-Severn, property law & conveyancing in Stourport-on-Severn, family lawyers in Stourport-on-Severn, accounting in Stourport-on-Severn, business financial planning in Stourport-on-Severn, contracts lawyers in Stourport-on-Severn, tax preparation in Stourport-on-Severn, mortgage advice in Stourport-on-Severn, business consulting in Stourport-on-Severn, payroll services in Stourport-on-Severn, debt recovery & collection in Stourport-on-Severn, wills in Stourport-on-Severn, estate planning in Stourport-on-Severn, mortgage brokers in Stourport-on-Severn, banruptcy lawyers in Stourport-on-Severn, bookkeeping in Stourport-on-Severn, and other different Stourport-on-Severn experts.

To find out local info relating to Stourport-on-Severn, Worcestershire go here

Independent financial advisor in DY13 area, telephone code 01299.

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(This financial advisor Stourport-on-Severn article was edited and updated on 20-02-2024)