Financial Advisor Sunbury-on-Thames

Sunbury-on-Thames Independent Financial Advice & Investment

Financial Advisor Sunbury-on-Thames Surrey (TW16): It can be a challenging experience trying to find a decent independent financial advisor in the Sunbury-on-Thames area, particularly if it's the first time that you are needing financial advice. Nevertheless, all professional financial advisors have one thing in common; they all have to observe the regulations set by the Financial Conduct Authority (FCA), regardless of whether you're looking for investments, mortgage, pensions or even insurance guidance. The benefit of this is that should a financial advisor who is FCA authorised give you poor advice, and things go awry, you've got guarantees, and can contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to get things put right.

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Recommendations from friends and family can be a decent starting place in selecting a financial advisor in Sunbury-on-Thames, but remember that their circumstances may be different to the sort of advice you're looking for. Their advice needs to be personalised to your particular situation, and every financial advisor isn't suitable for everyone. It is a good idea to talk with at least three different firms when you are considering a financial advisor, as this is a major decision, and you'll be looking to find one that you feel comfortable with and can trust, and also explore the options they offer.

Financial Advisor Sunbury-on-Thames Surrey (TW16)

There are two principal types of financial advisor in Sunbury-on-Thames; restricted advisors and independent financial advisors. The benefit of seeing an IFA is that they won't be restricted to the services and products of just one company, and can offer a more diverse range of options. Independent financial advice should cover the full gamut of financial products and companies, and must be given in an unbiased way. If you elect to use an IFA, you'll be able to pick from the broadest possible range of services, in order to find the ideal solution for you. If you use a restricted advisor you will find that they might be restricted to services and products of one particular firm, or as with a mortgage advisor, will only be focused on one solitary product.

Before taking you on as a client, any financial advisor in Sunbury-on-Thames must discuss their charges with you, as demanded by the FCA. You could be charged by the hour, a set fee or even a percentage of your investment value, determined by type of product you're looking for. A free initial consultation might be offered, so that you can discuss your objectives and situation to see if the advisor is a good fit. If you go with one of the larger Sunbury-on-Thames companies, your account might be handled by a team of advisors rather than a single person.

Financial Advisors Sunbury-on-Thames UK (01932)

Before any advice is handed out you'll be required to fill out a confidential disclosure document, known as a "Fact Find" form, which tells the advising company about your objectives and financial situation. To provide information on the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial arena, you'll also be handed a Key Facts or Initial Disclosure Document. Your own legal rights will also be laid out in this document, along with the possible options you can take if you need to complain because you're not satisfied with the service you are given. It has to be easily understood, written in layman's terms, and outline exactly what you are committing yourself to, along with the benefits and risks of taking the proffered advice. You can find the amount of cooling-off period in this document. This enables you to have a change of heart within a certain number of days, and cancel your contract with the financial advisor.

The first time you are talking with your financial advisor you'll want to check what qualifications and experience they have. Asking these questions shouldn't be a cause for embarrassment, because you're about to entrust them with your long-term financial wellbeing. All financial advisors in Sunbury-on-Thames must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. You shouldn't freak out if your particular advisor's name does not show up on the Financial Services Register, providing the company is listed on the register, their employees will be covered by the regulations. If these can't be provided the individual can still offer financial guidance as opposed to financial advice. Guidance isn't regulated in the way that financial advice is, which means that if mistakes arise neither party will have any recourse.

Financial Advisor Quotes in Sunbury-on-Thames Surrey

You'll be asked the level of risk you are willing to accept, if you are seeking advice on investing money. Most investments carry some element of risk, but higher risk investments could potentially offer larger rewards, and also more chance of losing some or all of your capital. In order to get the most effective investment and financial advice, your savings aims must be carefully considered, i.e. how much you wish to invest, long or short term investments and how quickly you need to access your money. You should always ask yourself the one vital question, how much can you actually afford to lose. This may influence the products and services that you're offered, and is commonly called your capacity for loss.

Financial Advice Near Sunbury-on-Thames Surrey

You must tell your financial advisor about your existing regular payments, savings accounts, mortgages or investments. They'll need to know this, so that they can get a clear picture of your financial circumstances and give the appropriate advice for you. Diversifying your savings and investments by spreading the risk load across a range of different products, is an important part of sound financial advice. A professional financial advisor in Sunbury-on-Thames will be aware of the best areas to consider, which match your goals and your financial situation.

A financial advisor will unmask the complex world of finance, and try to converse in the clearest possible way. You should be in a position to make an informed and educated decision after you have compared the various services and products which meet your needs. If the environment is at the forefront of your mind, you could ask that ethical savings and investment schemes take top priority. This not only provides you with investment possibilities, but also allows you to support zero carbon or green energy projects, and keep away from companies and businesses that don't share the same values as you.

It can prove tricky to manage work and other obligations around a close working relationship with a financial advisor in Sunbury-on-Thames. Face-to-face appointments can be supplemented with video conferencing and telephone to enable you to seek advice at times that suit you. Even if you rarely have a one-to-one meeting with your personal advisor, a competent financial advice firm in Sunbury-on-Thames will have stringent measures in force to ensure your details are kept confidential and secure, because working from home and remote working is now so common.


The value of your investments can go down as well as up, and this is something that you must always bear in mind. If it just so happens that your investment is not making the amount of money you hoped for, it can be an extremely disheartening and worrying time. However, unless it's owing to incorrect or misleading information from your advisor your investment having a downward trend is not a recognised basis for complaint.

Independent Financial Advisor Near Sunbury-on-Thames (TW16)

As detailed in the Key Facts Document, any grievances should start out with the firm's official complaints procedure. If your advisor is a member of the FCA, you can tell the Financial Ombudsman about the problem if it remains unsolved within the time period laid down by the regulating authority.

The Financial Ombudsman will make a ruling after reviewing the cause of the complaint independently. If it's established that the complaint is justifiable, a decision is made on how the customer can be compensated. Once the decision has been agreed on by the customer it becomes a legally binding decision which the financial advisor and their firm, must abide by. Any compensation set by the Financial Ombudsman will also take into account any trouble, distress, annoyance and inconvenience caused to the client during the situation.

Book a Financial Advisor in Sunbury-on-Thames UK

Financial advice can be provided in Sunbury-on-Thames and also in: Hampton, Walton-on-Thames, Molesey, Hanworth, Shepperton, Feltham, Rydens, Weybridge, Hersham, Twickenham, Hurst Park, Teddington, Lower Halliford, Fulwell, Ashley Park, as well as in these postcodes TW16 5PS, TW16 5BY, TW16 5PQ, TW16 5QY, TW16 6AH, TW16 5HE, TW15 1TD, KT12 2JE, TW16 5AY, TW16 5BB. Local Sunbury-on-Thames financial advisors will likely have the postcode TW16 and the phone code 01932.

Sunbury-on-Thames Financial Advice Services

Financial Advice Tasks Sunbury-on-Thames

There are a wide range of services that can be provided by your local Sunbury-on-Thames financial advisor including independent financial advice in Sunbury-on-Thames, retirement advice Sunbury-on-Thames, cash flow modelling in Sunbury-on-Thames, pension plans, life insurances, annuities, investment planning, annuity purchases in Sunbury-on-Thames, financial analyst services, divorce planning Sunbury-on-Thames, cheap financial advice in Sunbury-on-Thames, mortgage financial planning Sunbury-on-Thames, portfolio management, inheritance tax planning in Sunbury-on-Thames, personal financial planning in Sunbury-on-Thames, investment planning in Sunbury-on-Thames, general financial planning, pension consolidation advice in Sunbury-on-Thames, trusts, stakeholder pension advice Sunbury-on-Thames, cashflow analysis Sunbury-on-Thames, pension transfer advice, family income benefit, unit trusts, corporate bonds Sunbury-on-Thames, and more.

The Daily Duties for a Financial Advisor

  • Maintaining detailed records of transactions and customers.
  • Keeping up to date with new products and law changes.
  • Talking with customers regarding their finances and plans.
  • Providing counselling, education and consultation with regards to investments and finances.
  • Producing comprehensive financial reports.
  • Meeting targets for performance and sales.
  • Researching financial products and explaining them clearly and simply to clients.
  • Working with associates to gather market information, statistics and trends.
  • Making deals with with providers of financial products.
  • Updating clients about their investments.

Skills Needed to be Financial Advisors

  • Effective management skills for the negotiation of product prices.
  • To have excellent time management skills.
  • To have the ability to network and establish relationships with customers.
  • To have excellent IT skills.
  • An outstanding knowledge of economics and accounting with regard to financial markets and products.
  • To be good at selling products and services.
  • An outstanding level of maths knowledge for producing financial plans.
  • Good skills in verbal communication.
  • To pay attention to detail and be thorough.
  • Excellent customer service skills for determining client requirements and needs.
  • Active interpersonal and listening skills.

Financial Advisors Near Sunbury-on-Thames

Also find: Rydens financial advisors, Twickenham financial advisors, Ashley Park financial advisors, Fulwell financial advisors, Molesey financial advisors, Hurst Park financial advisors, Feltham financial advisors, Shepperton financial advisors, Hampton financial advisors, Walton-on-Thames financial advisors, Teddington financial advisors, Lower Halliford financial advisors, Hersham financial advisors, Hanworth financial advisors, Weybridge financial advisors and more.

Sunbury-on-Thames Financial Advice Services

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Financial Advice Enquiries in Sunbury-on-Thames Surrey (01932)
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Financial Advisors Around Sunbury-on-Thames: In Gresham Road, Phoenix Place, Beehive Road, South Street, Jamnagar Close, St Olave's Close, Cherry Orchard, Staines By-pass, Penton Road, Annie Brookes Close, Park Avenue, Clarence Street, Drake Avenue, Guildford Street, Argosy Gardens, Meadway Close, Meadway, Wheatsheaf Lane, Broadacre, Prospect Place, Church Street, as well as these Sunbury-on-Thames area postcodes: TW16 5PS, TW16 5BY, TW16 5PQ, TW16 5QY, TW16 6AH, TW16 5HE, TW15 1TD, KT12 2JE, TW16 5AY, TW16 5BB, people have recently needed financial advice.

For the latest local Sunbury-on-Thames info click here

Independent financial advisor in TW16 area, (dialling code 01932).

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(This financial advisor Sunbury-on-Thames information was revised and updated on 06-05-2022)