Financial Advisor Sutton Coldfield

Sutton Coldfield Independent Financial Advice & Investment

Financial Advisor Sutton Coldfield West Midlands (B72): If you are seeking financial advice for the first time, trying to find a reliable financial advisor advisor in the Sutton Coldfield area can be a quite daunting experience. Whether it is investment, mortgage, pensions or even insurance advice that you're searching for, there's one common rule for all professional financial advisors; they must all comply with FCA (Financial Conduct Authority) regulations. The benefit of this is that should a financial advisor who is FCA authorised give you bad advice, and anything goes awry, you have guarantees, and are able to get in touch with the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to have it put right.

Free Sutton Coldfield Financial Advisor Quotes

Recommendations from friends and neighbours can be a good starting place in choosing a financial advisor in Sutton Coldfield, but remember that their situation may be different to what you are looking for. Not every financial advisor is suitable for everybody, and any advice they provide should be personalised to your unique circumstances. Selecting the right financial advisor is vital and it is wise to talk with at least 3 different companies in order to investigate the various options they can provide, and to find one that you feel comfortable with and can trust.

Financial Advisor Sutton Coldfield West Midlands (B72)

Restricted advisors and independent financial advisors, are the two principal kinds of financial advisor in Sutton Coldfield. The good thing about seeing an independent financial advisor is that they won't be limited to the products or services of a single provider, and can offer a wider range of options. Encompassing the full spectrum of financial companies and products, independent financial advice should be offered in a frank and unbiased way to clientele. If you opt to use an IFA, you will be able to pick from the broadest possible range of products, in order to find the perfect solution for your needs. If you use a restricted financial advisor you'll soon realise that they may be restricted to services and products of a particular firm, or as with a mortgage advisor, will only be involved with one individual product.

Before any financial advisor takes you on as a client, they're required by the FCA to tell you about their charges. Although it can vary in accordance with the kind of service or product you require, there may be an hourly rate, a set fee, or you may even be charged a proportion of the money you are investing. To enable you to discuss your objectives and see if the advisor is a right fit for you and your circumstances, you will sometimes be offered the chance of a free initial consultation. Your account may be handled by a team rather than one individual advisor, if you choose to use one of the bigger Sutton Coldfield firms.

Financial Advisors Sutton Coldfield UK (0121)

To outline your ambitions and financial situation to the advising company, you'll have to fill in a "Fact Find" form, which is a confidential disclosure document. To provide details of the financial advisor, their situation for offering restricted or independent advice and their scope of permissions in the financial arena, you will also be given a Key Facts or Initial Disclosure Document. If you aren't satisfied with the service provided, and wish to complain, this document should also set down your own legal rights and the options you can take. It must be typed out in plain English and describe what you are committing yourself to, and any possible risks and benefits that exist should you decide to accept the offered advice. The level of cooling-off period should also be fully explained in this Key Facts Document. This enables you to change your mind within a certain number of days, and cancel the agreement with your financial advisor.

The first time you are talking to the financial advisor you should check what experience and qualifications they've got. You should not be self-conscious about asking such questions, after all you're on the verge of entrusting your financial future to their skill. Every Sutton Coldfield financial advisor must be in a position to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. When checking the Financial Services Register, you shouldn't stress if your particular financial advisor's name does not appear on there; you will probably locate the company name, and this means that the regulations covers all of their employees. If they're unable to provide this proof, the person cannot offer advice but is allowed to offer financial guidance. In financial terms guidance is somewhat different to advice and isn't regulated. Therefore there is no recourse for the client if financial blunders occur.

Financial Advisor Quotes in Sutton Coldfield West Midlands

You'll be asked about the level of risk you're ready and able to take, if you are seeking advice on investments. Many investments carry some degree of risk, but high risk investments could potentially offer larger rewards, but also more chance of losing some or all of your capital. Good quality investment and financial advice should take you savings objectives into consideration, i.e. how much you have to invest, how quickly you need access to your funds and short or long term investments. You must invariably ask yourself the one important question, how much money can you afford to lose. This is commonly called your capacity for loss and may well influence the products and services that are offered for your consideration.

Financial Advice Near Sutton Coldfield West Midlands

If you have already got any current regular payments, investments, mortgage loans or savings accounts, you need to tell your financial advisor about these. To ensure that you receive the most suitable advice for you, they need to gather a full and clear picture of your finances. Good financial advice should include diversifying your savings and investments by spreading the risk load across various different products. Having an understanding of the best areas to consider, a certified financial advisor will favour products that match your goals and financial circumstances.

Your financial advisor will attempt to communicate in as much plain speech as possible, while opening up the complex world of finance. This will enable you to compare services and products that meet your needs, and come to an informed decision. If the environment is at the forefront of your mind, you could maybe ask that ethical savings and investment schemes take top priority. This allows you to lend support to firms and organisations that address your concerns, i.e. zero carbon or renewable energy, or perhaps keeping away from businesses that don't meet your criteria.

Having constant interactions with your financial advisor in Sutton Coldfield could cause issues with work and other commitments. To enable you to get advice at times that suit you, face-to-face meetings can be augmented with telephone calls and video conferencing. A competent financial advice firm in Sutton Coldfield will have strict measures in force to ensure your details are kept secure and confidential, even if you never have a one-on-one meeting with your personal advisor, because remote and home working is now so common.


Investment values can go down as well as up, and this is something that you must always keep in mind. It can be quite worrying and demoralising if your investment is not making as much money as you were hoping for. A downward spiral in your investment is not a recognised cause for complaint, unless your financial advisor has given you wrong or misleading information.

Independent Financial Advisor Near Sutton Coldfield (B72)

Any grievances should start out with the company's official complaints procedure as indicated in the Key Facts Document. If the financial advisor is a member of the FCA, you can let the Financial Ombudsman know about the problem if it remains unsolved within the time-frame set out by the regulating authority.

The Financial Ombudsman will come to a decision after independently reviewing the cause of the complaint. A decision is made on how to financially compensate the client, if the complaint is upheld. This will become legally binding once it has been agreed on by the customer, and the advisor and their firm must abide by the decision. The Ombudsman will also account for any trouble, distress, annoyance and inconvenience caused to the client during the process, and fix the level of compensation accordingly.

Book a Financial Advisor in Sutton Coldfield UK

Financial advice can be provided in Sutton Coldfield and also nearby in: Wylde Green, Maney, Canwell, Boldmere, Mere Green, Short Heath, Little Aston, Whitehouse Common, Erdington, New Oscott, Four Oaks, Castle Vale, Reddicap Heath, Doe Bank, Aldridge, and in these postcodes B24 0BL, B72 1EL, B23 5YW, B23 5GJ, B72 1HL, B72 1JH, B72 1ED, B44 9QB, B72 1DT, B72 1JD. Local Sutton Coldfield financial advisers will probably have the phone code 0121 and the postcode B72. Checking this can guarantee that you are accessing local financial advisers. Sutton Coldfield householders are able to benefit from these and countless other related services. Click the "enquiry" banner or form to get details about financial advisors in your area.

Skills Required by Financial Advisors

  • Excellent management skills for negotiating product prices.
  • A competent level of numeracy for building financial strategies.
  • To have the ability to use a computer and the key software applications.
  • To have the ability to network and establish relationships with clients.
  • To be good at selling services and products.
  • To be target driven.
  • A solid knowledge of accounting and economics with regard to financial products and markets.
  • Excellent customer service skills for finding out customer needs.
  • Attentive interpersonal and listening skills.
  • To be thorough and pay attention to detail.
  • Good verbal communication skills.

A Financial Advisor's Day to Day Duties

  • Researching financial products and explaining them clearly and simply to customers.
  • Talking to customers about their finances and plans.
  • Working in conjuction with colleagues to obtain trends, market information and statistics.
  • Updating clients regarding their investments.
  • Collaborating with financial product providers.
  • Producing comprehensive financial reports.
  • Keeping fully abreast of new financial products and law changes.
  • Providing education, consultation and counselling with regards to finances and investments.
  • Meeting performance and sales targets.
  • Maintaining a record of potential customers and transactions.

Sutton Coldfield Financial Advice Services

Financial Advice Tasks Sutton Coldfield

There is a range of services which are provided by your local Sutton Coldfield financial advisor including pension planning, pension transfers in Sutton Coldfield, familt controlled trusts in Sutton Coldfield, investment consolidation advice Sutton Coldfield, family income benefit, cheap financial advice, personal pensions, income protection advice, ethical investments, mortgage financial planning, pension plans, divorce financial planning Sutton Coldfield, business protection, financial planning, retirement advice, pension consolidation advice in Sutton Coldfield, multi-asset portfolios, financial services Sutton Coldfield, ISA's, personal protection, life insurance advice, cashflow analysis, investment bonds, bereavement benefits Sutton Coldfield, will writing services, personal financial planning, mutual funds Sutton Coldfield, independent financial advice, general financial planning, cash flow modelling, and lots more. Listed are just a small portion of the tasks that can be undertaken by a financial advisor. Sutton Coldfield professionals will inform you of their whole range of financial services.

West Midlands Financial Advisors

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In the West Midlands area you'll additionally find: Radford financial advisors, Smiths Wood financial advice, Bickenhill financial advisors, Erdington investment advisors, Shard End financial advisors, Darlaston investment advisors, Sheldon financial advisors, Four Oaks investment advisors, Nechells financial advisors, Hampton in Arden investment advisors, Hodge Hill investment advice, Wednesfield financial advice, Tividale financial advisors, Tidbury Green investment advice, Tidbury Green financial advice, Balsall Common investment advisors, Kings Norton investment advisors, Foleshill financial advisors, Meriden investment advisors, Castle Vale financial advisors, Pedmore investment advisors, Allesley financial advice, Kingshurst investment advice, Streetly investment advisors, Kingshurst financial advice, Sparkbrook financial advice, Allesley investment advice, Kingshurst financial advisors.


Financial Advisors Near Sutton Coldfield

Also find: Erdington financial advisers, Whitehouse Common financial advisers, Little Aston financial advisers, Short Heath financial advisers, Four Oaks financial advisers, Boldmere financial advisers, Mere Green financial advisers, New Oscott financial advisers, Doe Bank financial advisers, Reddicap Heath financial advisers, Castle Vale financial advisers, Canwell financial advisers, Aldridge financial advisers, Wylde Green financial advisers, Maney financial advisors and more. All these places are serviced by local financial advisers. Sutton Coldfield residents can get estimates by clicking here.

Sutton Coldfield Financial Advice Services

Find a Financial Advisor in Sutton Coldfield Here
Financial Advice Enquiries in Sutton Coldfield West Midlands (0121)
  • Sutton Coldfield Inheritance Advice
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  • Sutton Coldfield Investment Advice

Financial Advisors Around Sutton Coldfield: In the last year financial advice was provided in the following Sutton Coldfield streets: Burnett Road, Clifton Drive, Applecross, Cambridge Avenue, Clarence Road, Coles Lane, St Catherines Close, Sunningdale Close, The Crofts, Coleshill Road, St James Road, Shottery Close, Braunston Close, Coton Road, Church Lane, Signal Hayes Road, Thistle Down Close, Cedar Drive, Crecy Close, Bradgate Drive, Bennett Road, Tudor Road, The Grove, Sandhurst Road, The Gravel, Stringer Close, Squirrel Walk, Broadoaks, Canwell, Brookhus Farm Road, and in these West Midlands postcodes: B24 0BL, B72 1EL, B23 5YW, B23 5GJ, B72 1HL, B72 1JH, B72 1ED, B44 9QB, B72 1DT, B72 1JD. Folks living in these local areas recently needed help from a financial advisor. Sutton Coldfield residents received competent and top notch financial services on each occasion.

If you would like to get local Sutton Coldfield information click here

Independent financial advisor in B72 area, 0121.

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(This financial advisor Sutton Coldfield page was last updated on 06-05-2022)