Financial Advisor Stubbington Hampshire (PO14): It can be a challenging experience trying to find a first-rate independent financial advisor in Stubbington, in particular if it's the very first time that you're needing financial advice. Whether you're looking for mortgage, pension, investments or even insurance guidance, all professional financial advisors are bound by one common rule; they must all follow the regulations laid down by the Financial Conduct Authority (FCA). The good thing about this is that should a financial advisor who is FCA certified give you bad advice, and anything goes awry, you have guarantees, and can go to the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to get things put right.
A good starting place when choosing a financial advisor in Stubbington may be friends and relations, but bear in mind that the kind of advice you are searching for could be different to theirs. Not every financial advisor is suitable for everyone, and any advice they provide needs to be tailored to your specific situation. It pays to chat to at least 3 different companies when you're considering a financial advisor, because this is an important decision, and you need to find one that you feel comfortable with and can trust, and also check out the options they offer.
When it comes to picking a financial advisor in Stubbington, there are two principal types; restricted advisors and independent financial advisors. An IFA will not be restricted to just one company's services and products. Encompassing the whole gamut of financial companies and products, independent financial advice must be given in an honest and unbiased way to customers. Consulting an independent financial advisor should permit you to choose from the broadest possible range of services. A restricted financial advisor could be focused on a single product, such as a mortgage advisor, or be restricted to products and services from a specific firm.
Before accepting you as a client, any financial advisor in Stubbington must be fully transparent with you about their charges, as set out by the FCA. You could be charged by the hour, a set fee or possibly even a percentage of your investment, dependant upon kind of services you are interested in. To discuss your objectives and determine whether the advisor is a right fit for you and your circumstances, a free initial consultation could be offered. In some bigger Stubbington firms, you could find that your account is being looked after by a team as opposed to an individual.
To summarise your financial situation and ambitions to the advising firm, you'll be required to fill in a "Fact Find" document, which is a confidential disclosure form. A Key Facts Document, or Initial Disclosure Document will also be given to you, providing details about the financial advisors themselves, outlining the extent of their permissions in the financial sector and their status to offer independent or restricted advice. Your legal rights will also be set out in this document, together with the possible options you can take if you want to submit a complaint because you are not happy with the service provided. It must be typed out in plain language and outline what you are committing yourself to, and any potential benefits and risks that exist if you decide to go along with the advice offered. The allowed cooling-off period should also be fully explained in this document. This allows you to cancel your agreement within a certain time frame, and whenever any penalty charges have to be paid.
Ensure that you check the experience and qualifications of your financial advisor when you first speak with them. After all you're on the verge of entrusting your long-term financial wellbeing to their expertise, so you should not be embarrassed about asking such questions. All Stubbington financial advisors must hold at least a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. You should not freak out if your specific advisor's name doesn't appear on the Financial Services Register, providing the company is on the register, their advisors are covered by the regulations. If these can't be provided the person can still offer financial guidance instead of financial advice. Guidance is different to advice as it isn't regulated in the same way, and if financial mistakes are made there will likely be no recourse to the client.
If you are looking for advice on investments you will be asked the level of risk you are comfortable with. Higher risk investments could offer higher rewards, however all or some of your funds could be lost. Decent investment and financial advice will take you savings goals into consideration, i.e. how quickly you need access to your funds, short or long term investments and how much you wish to invest. One question you should ask of yourself, which is usually overlooked, is just how much money you can afford to lose. Known as your 'capacity for loss', this will very likely influence the products and services that you're offered.
If you have already got any existing mortgages, savings accounts, investments or regular outgoings, you must tell your financial advisor about these. To ensure that you receive the most appropriate advice for you, they need to have a clear and full picture of your finances. The diversification of your investments and savings by spreading the risk across a range of different products, is an essential part of reliable financial advice. A professional financial advisor in Stubbington will understand the best areas to consider, which mirror your goals and your financial situation.
Communicating in the clearest possible way, your financial advisor will reveal the multifaceted world of finance and investment. You should be in a position to make an informed and educated decision after you have learned about the various services and products that meet your needs. If you're environmentally minded, you could ask your advisor to stick to ethical investment and savings schemes. You can then keep away from firms that businesses meet your criteria, but instead lend your support to those organisations and firms that match your concerns, for instance zero carbon or green energy.
Having constant interactions with your financial advisor in Stubbington could cause complications with your work life and other obligations. To enable you to seek advice at times that suit you, face-to-face appointments can be augmented with telephone calls and video conferencing. Even if you hardly ever have a one-to-one meeting with your personal advisor, a competent financial advice firm in Stubbington will have rigorous measures in force to keep your details confidential and secure, because working from home and remote working is now so common.
The value of your investments could go down as well as up, and this is a factor that you have to remember. If your investment fails to make the amount of money you were hoping for, it can be extremely demoralising and worrying. However, unless it is due to misleading or wrong information from your advisor a downward trend in your investment isn't seen as a grounds for complaint.
The firm's complaints procedure should be the starting place for any grievances, and the Key Facts Document will explain this. If the issue is unresolved within the time laid down by the regulating body, and the advisor is a member of the Financial Conduct Authority, you can contact the Financial Ombudsman.
The Financial Ombudsman will independently review the cause of the complaint and make a ruling. If it's found that the complaint is justifiable, a decision will be made on how the customer can be compensated. On acceptance by the customer, the decision will become a legally binding one, and the advisor and their firm must comply with it. Any compensation set by the Financial Ombudsman will also take into consideration any distress, hassle, inconvenience and annoyance caused to the customer during the situation.
Financial advice can be provided in Stubbington and also nearby in: Little Posbrook, Warsash, Bridgemary, Meon, Wallington, Titchfield, Rowner, Lee-on-the-Solent, Locks Heath, Fareham, Hook, Park Gate, Cemast, Hill Head, Sarisbury, Funtley, Catisfield, and in these postcodes PO14 2PG, PO14 2HL, PO14 2JG, PO14 3PH, PO14, PO14 2EL, PO14 2SF, PO14 2LX, PO14 2EQ, PO14 2ET. Local Stubbington financial advisers will likely have the phone code 01329 and the postcode PO14. Simply click the "enquiry" banner to get info on financial advisors in your area.
Hampshire Financial Advice Enquiries
Current Hampshire financial advice enquiries: Billie and Vinnie Dibble from Burley, Hampshire recently enquired about life assurance. Zakariyah Jewell and Kaitlin Jewell from Clanfield, Hampshire recently enquired about getting financial advice. Buster Whittaker and Shania Whittaker from Hyde, Hampshire recently asked for information on offshore investments. Aasiyah Deeley from Shawford recently enquired about life assurance. Kaelan Ratcliffe and Indi Ratcliffe from North Waltham, Hampshire recently asked for information on mortgages. Noah and Katrina Strachan from Dibden recently enquired about equity release. Maryam Cole from Pennington, Hampshire recently asked for information on family income benefit. Tiana Russell from Pennington recently asked for information on family income benefit.
Fundamental Skills for a Financial Advisor
- The ability to sell financial services and products.
- To be confident in using a computer and the key software packages.
- Effective customer service skills for determining client requirements and needs.
- To pay attention to detail and be thorough.
- To have the ability to listen attentively
- A competent level of numeracy for producing financial strategies.
- To be able to network and establish relationships with customers.
- Excellent verbal communication skills.
- An excellent knowledge of accounting and economics with regard to financial markets and products.
- To have good time management skills.
- Excellent management skills for negotiating product rates.
Stubbington Financial Advice Services
There is a range of services which are provided by your local Stubbington financial advisor including pension planning, mutual funds, annuities Stubbington, corporate financial planning, inheritance tax planning in Stubbington, cash flow modelling, family income benefit, retirement advice, pension consolidation advice, income protection advice, investment advice, wealth management & investments, equity release in Stubbington, tax financial planning in Stubbington, annuity purchases, business planning in Stubbington, will writing services, divorce planning, life insurances Stubbington, ISA's, pension drawdowns, long term care fee advice in Stubbington, trusts in Stubbington, mortgage services Stubbington, cheap financial advice, and lots more.
Financial Advisors Near Stubbington
Also: Cemast financial advisors, Locks Heath financial advisors, Fareham financial advisors, Wallington financial advisors, Titchfield financial advisors, Warsash financial advisors, Sarisbury financial advisors, Meon financial advisors, Hook financial advisors, Hill Head financial advisors, Catisfield financial advisors, Park Gate financial advisors, Little Posbrook financial advisors, Funtley financial advisors, Bridgemary financial advisors, Rowner financial advisors, Lee-on-the-Solent and more.
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Financial Advisors Around Stubbington: Some Stubbington areas and roads where financial advice has recently been given - Glenthorne Close, Tanners Lane, Dale Road, Tonnant Close, Stubbington Lane, Stroud Green Lane, Discovery Close, Grasmere Way, Park Lane, Village Close, The Croft, Croftlands Avenue, Albert Road, Burnt House Lane, Brune Lane, Belmont Close, Peak Lane, East House Avenue, Leviathan Close, Marks Tey Road, Alfred Road, Broom Way, Dolphin Court, Tawny Owl Close, as well as these local Stubbington postcodes: PO14 2PG, PO14 2HL, PO14 2JG, PO14 3PH, PO14, PO14 2EL, PO14 2SF, PO14 2LX, PO14 2EQ, PO14 2ET.
More Stubbington Services: Needless to say, when you are looking at your finances in Stubbington, Hampshire, you will probably need all sorts of different services and together with investment advisors in Stubbington, mortgage brokers in Stubbington, contracts lawyers in Stubbington, bookkeeping in Stubbington, estate planning in Stubbington, banruptcy lawyers in Stubbington, family lawyers in Stubbington, business financial planning in Stubbington, business consulting in Stubbington, wills & probate in Stubbington, property law & conveyancing in Stubbington, payroll services in Stubbington, debt recovery & collection in Stubbington, accounting in Stubbington, solicitors in Stubbington, mortgage advice in Stubbington, tax preparation in Stubbington, and other different Stubbington experts.in Stubbington, Hampshire, you might also need
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Independent financial advisor in PO14 area, (dialling code 01329).
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