Financial Advisor Stourport-on-Severn Worcestershire (DY13): If you are in search of financial advice for the very first time, trying to find a first-rate financial advisor advisor in the Stourport-on-Severn area can be an intimidating experience. Whether you are looking for investments, mortgage, pension or even insurance advice, all financial advisors have one thing in common; they must all conform to the regulations set by the Financial Conduct Authority (FCA). The advantage of this is that if a financial advisor who is FCA certified gives you poor advice, and anything goes awry, you've got guarantees, and are able to get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme to get it put right.
A good starting point when picking a financial advisor in Stourport-on-Severn could be friends and family, but keep in mind that the type of advice you're searching for might be different to theirs. Not every financial advisor is suitable for everyone, and their advice needs to be adapted to your particular circumstances. To explore the various options that they can provide and find a financial advisor that you can trust and feel at ease with, it is a good idea to talk to at least three different companies, because choosing a financial advisor is a big decision.
Independent financial advisors and restricted advisors, are the two principal kinds of financial advisor in Stourport-on-Severn. The advantage of using an independent financial advisor is that they should not be restricted to the services or products of a single company, and can offer a broader range of options. Independent financial advice must be provided in an unbiased way and across the full gamut of financial products and companies. This will permit you to pick from the broadest range of services to meet your needs. If you go to a restricted advisor you'll find that they could be limited to services and products of a specific firm, or as in the case of a mortgage advisor, may only be focused on one individual product.
Before taking you on as a client, any financial advisor must tell you about their charges, as set out by the Financial Conduct Authority. Depending on the services you are looking for, you could be charged by the hour, a set fee or perhaps even a specific percentage of your investment value. A free initial consultation might be offered, so you can discuss your goals and situation to see if the advisor is a good fit. In some of the bigger Stourport-on-Severn companies, you might find that your account is managed by a team as opposed to an individual advisor.
Before any financial advice is handed out you'll be asked to fill in a confidential disclosure form, called a "Fact Find" document, which informs the advising company about your financial situation and targets. To provide details of the financial advisor, their situation for offering restricted or independent advice and the extent of their permissions in the financial arena, you'll also be given a Key Facts Document, or Initial Disclosure Document. This document will also lay down your rights and the options you can take if you're not happy with the service provided, and would like to submit a complaint. It has to be easily understood, written in plain English, and describe exactly what you're committing yourself to, along with the risks and benefits of taking the proffered advice. You'll find the level of cooling-off period in this document. This allows you to cancel the contract with your financial advisor within a certain time period, and if any penalty charges are incurred.
The very first time you're talking with your financial advisor you'll want to check what experience and qualifications they've got. After all you're about to entrust your financial wellbeing to their skill, so you shouldn't be embarrassed about asking such questions. Every financial advisor in Stourport-on-Severn must be in a position to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. If your advisor's name doesn't appear on the Financial Services Register, don't stress, the firm the person works for will almost certainly be on the register and their staff are all covered by the legislation. If they're not able to present these accreditations, the person cannot offer advice but is allowed to offer financial guidance. Guidance is not regulated in the same way as financial advice, which means that if mistakes arise the client won't have any recourse.
If you are needing advice on investments you will be asked about the level of risk you are comfortable with. Many investments carry some element of risk, but higher risk investments could offer better rewards, and also more likelihood of losing your capital. Your savings goals must be carefully considered if good quality investment advice is to be given, i.e. how rapidly you need access to your funds, how much you wish to invest and short or long term investments. One question you should ask yourself, which is frequently ignored, is just how much you can afford to lose. This is sometimes referred to as your capacity for loss and may influence the products and services that may be offered for your consideration.
You must tell your financial advisor about any existing investments, mortgages, personal savings or regular outgoing payments. They will need this information, so they can get a clear picture of your finances and give the correct advice for your needs. Spreading the risk load across a range of different products by diversifying your investments and savings, is something that good financial advice should embrace. Having an understanding of the best areas to consider, a competent financial advisor will favour products that fit in with your goals and financial situation.
Your financial advisor will attempt to communicate in the clearest possible way, while throwing open the complex world of finance. You should be able to come to an informed and considered decision once you have learned about the various products and services that meet your needs. You can maybe ask your financial advisor only to include ethical savings and investment schemes. This not only gives you investment possibilities, but also enables you to support zero carbon or green energy projects, and steer clear of companies and businesses that do not share the same values.
Working alongside your financial advisor in Stourport-on-Severn can be challenging to fit in around your work day and other commitments. To allow you to get advice at times that suit you, one-on-one meetings can be supplemented with video conferencing and phone calls. An established financial advice company in Stourport-on-Severn will have strict measures in place to keep your details secure and confidential, even if you rarely have a face-to-face meeting with your personal advisor, because home and remote working is no longer unusual.
Investments can be a volatile area, and their values can fall as well as rise. It can be extremely disheartening and worrying if your investment is not making the amount of money you were hoping for. However, unless it's down to wrong or misleading information from your advisor a downward trend in your investment isn't seen as a grounds for complaint.
As detailed in the Key Facts Document, any disputes should begin with the company's complaints procedure. You can inform the Financial Ombudsman of the issue if it remains unsolved within the time period set by the regulating authority, and the advisor is registered with the Financial Conduct Authority.
After independently reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. A decision will be made on how to rectify the situation or financially compensate the customer, if the complaint is upheld. On acceptance by the client, the ruling will become a legally binding one, and the financial advisor and their company must abide by it. Any trouble, annoyance, distress and inconvenience caused to the customer during the situation, will be taken into account when the Ombudsman sets the level of compensation.
Financial advice can be provided in Stourport-on-Severn and also in nearby places like: Titton, Hoobrook, Pensax, Bewdley, Summerfield, Rock, Upper Mitton, Wilden, Newtown, Great Witley, Astley Cross, Rushock, Abberley, Heightlington, Worcester, Areley Kings, Dunley, Shenstone, Hartlebury, Kidderminster, together with these postcodes DY13 0JD, DY13 0LE, DY13 3SA, DY13 8AL, DY13 0LG, DY13 0AX, DY13 0JB, DY13 8BZ, DY13 0BE, DY13 0DJ. Local Stourport-on-Severn financial advisors will most likely have the postcode DY13 and the telephone code 01299. Simply click on the "enquiry" form or banner to get information on financial advisors in your location.
Stourport-on-Severn Financial Advice Services
There is a wide range of services that are provided by your local Stourport-on-Severn financial advisor including corporate financial planning, financial planning, independent financial advice Stourport-on-Severn, bridging finance Stourport-on-Severn, pension planning, mortgage advice, ISA's, family income benefit Stourport-on-Severn, offshore investments, will writing services in Stourport-on-Severn, business financial planning, inheritance tax planning Stourport-on-Severn, investment planning, retirement plans, investment advice, pension reviews, divorce financial planning, trusts, portfolio management, pension consolidation advice, ethical investments, investment bonds in Stourport-on-Severn, annuity purchases, pension drawdowns, equity release Stourport-on-Severn, and more.
The Necessary Skills to be Financial Advisors
- Good business management skills for negotiating product prices.
- An outstanding level of math knowledge for producing financial plans.
- To have good IT skills.
- Good customer service skills for determining client requirements and needs.
- A thorough knowledge and understanding of economics and accounting associated with financial markets and products.
- To pay attention to detail and be thorough.
- To be goal driven.
- The ability to sell services and products.
- To have the ability to listen attentively
- To have the ability to network and build relationships with clients.
- Good verbal communication skills.
Financial Advice Enquiries Worcestershire
Recent Worcestershire financial advice enquiries: Elliott Proctor and Chloe Proctor from Pershore, Worcestershire recently enquired about pension advice. Nadia and Elliot Rodrigues from Hallow, Worcestershire recently enquired about life assurance. Kenneth Deeley and Shelby Deeley from Belbroughton, Worcestershire recently enquired about equity release. Minnie Cummins and Ernie Cummins from Sedgeberrow recently asked for information on life assurance. Mr and Mrs Rich from Alvechurch, Worcestershire recently enquired about pension advice. Kodi Plumb from Leigh Sinton recently asked for information on equity release. Demi Townsend from Fladbury recently asked for information on mortgages. Andrei Isherwood and Rosa Isherwood from Offenham recently asked for information on mortgages.
Worcestershire Financial Advisors
In Worcestershire you'll also locate: Beoley financial advice, Belbroughton investment advisors, Lenchwick financial advice, Leigh financial advice, Harvington investment advice, Crowle financial advice, Upton Upon Severn financial advisors, Clent financial advisors, Stoke Prior investment advice, Broadheath financial advice, Tutnall financial advice, Stourport on Severn investment advice, Barnt Green financial advice, Eckington investment advice, Rubery investment advisors, Offenham financial advisors, Rushwick financial advice, Bretforton investment advisors, Stoke Prior financial advice, Fladbury financial advisors, Drakes Broughton investment advisors, Hagley financial advice, Childswickham financial advice, West Malvern investment advisors, Fernhill Heath investment advisors, Fernhill Heath investment advice, Alvechurch financial advisors, Clent financial advice.
Financial Advisors Near Stourport-on-Severn
Also: Upper Mitton financial advisors, Newtown financial advisors, Worcester financial advisors, Kidderminster financial advisors, Rock financial advisors, Bewdley financial advisors, Abberley financial advisors, Rushock financial advisors, Hartlebury financial advisors, Shenstone financial advisors, Dunley financial advisors, Heightlington financial advisors, Astley Cross financial advisors, Pensax financial advisors, Areley Kings financial advisors, Wilden financial advisors, Great Witley financial advisors, Hoobrook financial advisors, Titton financial advisors, Summerfield and more.
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Financial Advisors Around Stourport-on-Severn: Financial advisors were recently needed by folks living in Milford Avenue, The Heathlands, Martins Way, Ribbesford Road, Barnfield Road, Bishop Street, William Bullock Close, Walnut Grove, Mill Close, Engine Lane, Beach Road, Red House Road, Ryvere Close, Chequers Close, Moorhall Lane, Cranberry Drive, Chesshire Avenue, The Slad, Bilberry Close, Larch Way, The Ridgeway, Macarthur Way, Redstone Lane, Windmill Close, Lilac Grove, Olympus Gardens, Moffit Way, Bower Hill Drive, Elan Avenue and these Stourport-on-Severn postcodes: DY13 0JD, DY13 0LE, DY13 3SA, DY13 8AL, DY13 0LG, DY13 0AX, DY13 0JB, DY13 8BZ, DY13 0BE, DY13 0DJ.
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Financial Advisor Jobs Stourport-on-Severn: Find financial advisor jobs in Stourport-on-Severn by clicking here: Stourport-on-Severn Financial Advisor Jobs
Independent financial advisor in DY13 area, (dialling code 01299).
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