Financial Advisor Sutton Coldfield

Sutton Coldfield Independent Financial Advice & Investment

Financial Advisor Sutton Coldfield West Midlands (B72): Locating a first-rate independent financial advisor in the Sutton Coldfield area can be an intimidating experience, particularly if you're needing financial advice for the very first time. Whether you're searching for mortgage, pension, investments or even insurance advice, all qualified financial advisors have one thing in common; they all have to stick to the regulations laid down by the Financial Conduct Authority. The advantage of this is that should a financial advisor who is FCA certified give you poor quality advice, and things go awry, you have guarantees, and can get in touch with the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to get it put right.

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A good starting place when picking a financial advisor in Sutton Coldfield could be relatives and friends, but remember that the type of advice you're looking for may be different to theirs. Not every financial advisor is suitable for everybody, and any advice they provide needs to be tailored to your specific situation. To explore the various options they're offering and find a financial advisor you can trust and feel at ease with, it pays to talk to at least 3 different firms, because after all choosing a financial advisor is a major decision.

Financial Advisor Sutton Coldfield West Midlands (B72)

Independent financial advisors (IFA) and restricted advisors, are the 2 principal kinds of financial advisor in Sutton Coldfield. Offering a wide range of options, an IFA should not be confined to just one company's services and products. Independent financial advice should be offered in an honest and unbiased way and should cover the full spectrum of financial products and companies. This will permit you to select from the widest possible range of products to match your needs. A restricted advisor might be involved with an individual product, such as a mortgage advisor, or be limited to products and services from one particular firm.

The Financial Conduct Authority requires that any financial advisor must be fully transparent with you about their charges, before accepting you as a client. You may be charged a set fee, by the hour or perhaps even a proportion of your investment value, subject to kind of services you are interested in. To enable you to discuss your objectives and determine whether the advisor is suitable for your circumstances, a free preliminary consultation could be offered. Your account might be handled by a team as opposed to a single advisor, if you elect to use one of the larger Sutton Coldfield companies.

Financial Advisors Sutton Coldfield UK (0121)

You will have to complete a "Fact Find" document, which is a confidential disclosure form relating your financial situation and ambitions to the advising company. You will also be given an Initial Disclosure Document, or Key Facts Document, which gives you information on the financial advisor, their status to offer restricted or independent advice and the scope of their permissions in the financial arena. This document will also lay out your own legal rights and the options you can take if you're not satisfied with the service provided, and would like to make a complaint. It must be typed out in plain English and describe what you're signing up for, and any possible benefits and risks should you opt to accept the offered advice. The Key Facts Document will also inform you of the allowed cooling-off period. Within a certain number of days, this allows you to cancel your agreement with the financial advisor.

When chatting with your financial advisor initially you should check their experience and qualifications. Asking such questions shouldn't cause you any embarrassment, because you're about to entrust them with your financial future. Every Sutton Coldfield financial advisor must be able to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. When checking the Financial Services Register, don't freak out if your specific advisor's name doesn't show up on there; you should be able to find the company name, and this means that the regulations covers all of their advisors. If they are unable to supply these accreditations, the individual cannot offer advice but is able to offer financial guidance. Guidance is not regulated in the way that financial advice is, which means that if errors arise the client won't have any recourse.

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If you're needing advice on investments you'll be asked the amount of risk you are comfortable with. Bigger rewards may be possible with high risk investments, however you may also lose all or some of your money. The best investment and financial advice should take you savings objectives into consideration, i.e. short or long term investments, how rapidly you need to access your money and how much cash you want to invest. You should invariably ask yourself the one crucial question, how much money can you truly afford to lose. Generally known as your capacity for loss, this will very likely influence the services and products that you're offered.

Financial Advice Near Sutton Coldfield West Midlands

You'll want to tell your financial advisor about your current mortgage loans, personal savings, investments or regular payments. They'll need this information, so they can get a clear picture of your finances and give the appropriate advice for you. Reliable financial advice should include diversifying your savings and investments by spreading the risk load across a range of different products. Having a knowledge of the best areas to consider, a certified financial advisor will favour products that match your goals and financial situation.

Your financial advisor will attempt to communicate in as much plain speech as possible, while unmasking the multifaceted world of finance. After learning about the various services and products that meet your needs, you should be in a position to make an informed and educated decision. If you're mind is firmly on the environment, you could even ask your advisor to stick to ethical investment and savings schemes. This allows you to support companies and businesses which match your concerns, e.g. zero carbon or renewable energy, or perhaps keeping away from firms that don't meet your standards.

It is not always easy to work closely with a financial advisor in Sutton Coldfield without this impacting on your work and other obligations. One-on-one meetings can be augmented with phone calls and video conferencing to enable you to get advice at a time to suit you. Even if you rarely have a one-on-one meeting with your advisor, a professional financial advice company in Sutton Coldfield will have rigorous measures in force to keep your details confidential and secure, because remote and home working is now a large part of our society.


Investments can easily go down as well as up, because the financial world can be a volatile one. If it happens that your investment is not making as much money as you were hoping for, it can be a worrying and frustrating time. However, except if it is because of misleading or wrong information from your advisor a downward trend in your investment isn't a recognised cause for complaint.

Independent Financial Advisor Near Sutton Coldfield (B72)

The company's complaints procedure should be the place to start with any disputes, and the Key Facts Document will explain this. You can inform the Financial Ombudsman of the situation if it remains unsolved within the time period laid down by the regulating body, and the advisor is registered with the FCA.

The Financial Ombudsman will look into the cause of the complaint and make a ruling. A decision is made on how to rectify the situation or financially compensate the client, if the complaint is justified. On acceptance by the customer, the decision becomes legally binding, and the advisor and their firm must abide by it. Any inconvenience, distress, hassle and upset caused to the customer during the dispute, will be accounted for when the Ombudsman fixes the level of compensation.

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Financial advice can be provided in Sutton Coldfield and also in: Short Heath, Reddicap Heath, Four Oaks, Mere Green, Canwell, Whitehouse Common, Doe Bank, Castle Vale, Aldridge, Erdington, New Oscott, Little Aston, Maney, Wylde Green, Boldmere, as well as in these postcodes B24 0BD, B72 1DB, B72 1HQ, B72 1GD, B72 1LL, B24 0BB, B72 1AH, B23 5QL, B72 1LD, B23 5TB. Local Sutton Coldfield financial advisors will likely have the phone code 0121 and the postcode B72. Verifying this should ensure you are accessing local financial advisers. Sutton Coldfield property owners are able to benefit from these and countless other finance related services.

Financial Advisors West Midlands

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In the West Midlands area you will additionally find: Four Oaks investment advisors, Meriden investment advisors, Bickenhill pension advice, Hall Green financial advisors, Kingstanding financial advisors, Blackheath financial advice, Gornal investment advisors, Streetly investment advice, Pheasey independent financial advisors, Walsall Wood financial advisers, Edgbaston financial advisors, Hall Green investment advice, Olton investment advisors, Tidbury Green independent financial advisors, Edgbaston pension advice, Fallings Park investment advisors, Pelsall financial advisors, Wyken independent financial advisors, Allesley independent financial advisors, Castle Bromwich independent financial advisors, Whitmore Reans independent financial advisors, Amblecote financial advice, Kings Norton investment advice, Bartley Green financial advisors, Radford financial advisor, Ettingshall independent financial advisors, Northfield financial advice, Sparkbrook investment advice, Darlaston financial advice, Streetly pension advice.

Sutton Coldfield Financial Advice Services

Financial Advice Tasks Sutton Coldfield

There are a wide range of services which are provided by your local Sutton Coldfield financial advisor including trustee investment services, pension planning Sutton Coldfield, multi-asset portfolios Sutton Coldfield, family income benefit, annuity purchase Sutton Coldfield, ISA's Sutton Coldfield, pension reviews, personal protection, ethical investment advice, bereavement benefits Sutton Coldfield, pension drawdowns Sutton Coldfield, cashflow planning, investment reviews, life assurance advice, long term care fee advice, corporate financial planning, pension consolidation advice, pension planning, trusts, personal pensions Sutton Coldfield, cheap financial advice, unit trusts, critical illness cover Sutton Coldfield, financial analyst services, annuities, bridging finance, financial planning, saving for children, financial services, mortgage services Sutton Coldfield, and more. These are just a small portion of the duties that can be undertaken by a financial advisor. Sutton Coldfield professionals will be happy to tell you about their whole range of financial services.


Financial Advisors Near Sutton Coldfield

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

Sutton Coldfield Financial Advice Services

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Financial Advisors Around Sutton Coldfield: In the previous 12 months financial advice was provided in the following Sutton Coldfield streets: Bowlas Avenue, Cater Drive, Sutton Square, Bulls Lane, Trinity Hill, Conchar Close, St Michaels Road, Banners Gate Road, Catherine Drive, Conchar Road, Cranmer Grove, Churchover Close, Coldstream Road, South Drive, Alder Close, Bilberry Crescent, Blackham Drive, Bankside Crescent, Canwell, Blackwell Road, Allmyn Drive, Aylesford Drive, Shenstone Close, Applecross, Baxterley Green, Barker Road, The Greenway, and in these West Midlands postcodes: B24 0BD, B72 1DB, B72 1HQ, B72 1GD, B72 1LL, B24 0BB, B72 1AH, B23 5QL, B72 1LD, B23 5TB. Folks in these local areas recently requested the help of a financial advisor. Sutton Coldfield residents benefited from competent and professional financial services on every occasion.

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Financial Advisor Jobs Sutton Coldfield: View financial advisor jobs in Sutton Coldfield by going here: Sutton Coldfield Financial Advisor Jobs

Independent financial advisor in B72 area, (dialling code 0121).

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(This financial advisor Sutton Coldfield article was checked and updated on 01-09-2022)