Financial Advisor Swansea

Swansea Independent Financial Advice & Investment

Financial Advisor Swansea Wales (SA1): Finding a first-rate financial advisor advisor in Swansea can be a daunting experience, especially if you're needing financial advice for the very first time. Whether it's mortgage, investment, pensions or even insurance guidance that you are after, there's one common rule for all qualified financial advisors; they must all abide by Financial Conduct Authority regulations. This comes with various guarantees, thus after taking advice from a FCA authorised financial advisor in Swansea, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if anything goes awry.

Free Swansea Financial Advisor Quotes

When choosing a financial advisor in Swansea, a decent place to start could be family and friends, but you must remember that your situation may not be the same as theirs, and you may be in need of a different kind of advice. Financial advice should be individually tailored to your unique circumstances, and you'll find that some financial advisors might not be appropriate for your requirements. To investigate the options they can provide and find a financial advisor that you can trust and feel at ease with, it is a good idea to speak with at least 3 different companies, because after all choosing a financial advisor is a major decision.

Financial Advisor Swansea Wales (SA1)

There are two principal types of financial advisor in Swansea; restricted advisors and independent financial advisors. Offering a more diverse range of options, an IFA will not be confined to just one company's products or services. Independent financial advice should be provided in an impartial way and across the entire spectrum of financial companies and products. This will enable you to pick from the widest range of services to match your needs. If you use a restricted advisor you'll find that they could be restricted to services and products of a specific company, or as with a mortgage advisor, might only be concerned with one individual product.

The FCA requires that any financial advisor must be transparent about their charges, before taking you on as a client. Although it varies contingent on the type of product or service you are looking for, there could be an hourly rate, a set fee, or you might even be charged a proportion of the money you're investing. To discuss your objectives and see if the advisor is the correct fit for you and your situation, a free preliminary consultation might be offered. Your account could be looked after by a team rather than a single advisor, if you choose to go to one of the larger Swansea firms.

Financial Advisors Swansea UK (01792)

Before any financial advice is given you will need to complete a confidential disclosure form, known as a "Fact Find" document, which tells the advising firm about your objectives and financial situation. To provide information regarding the financial advisor, their status to offer restricted or independent advice and the scope of their permissions in the financial market, you'll also be handed an Initial Disclosure Document, or Key Facts Document. Your legal rights will also be set out in this document, along with your options if you want to complain because you are not happy with the service you're given. It must be written in plain language and describe what you are signing up for, and any possible benefits and risks that exist if you decide to go along with the offered advice. The cooling-off period should also be fully explained in this Key Facts Document. This makes it possible for you to change your mind within a certain time frame, and cancel the contract with your financial advisor.

The first time you are talking to the financial advisor you should check what experience and qualifications they have. After all you're on the verge of entrusting your financial future to their expertise, so you should never be embarrassed about asking these questions. A Level 4 qualification in financial advice is the minimum qualification for any financial advisor in Swansea, and they must also be in a position to present an annual Statement of Professional Standing. If your advisor's name does not show up on the Financial Services Register, don't freak out, the company the individual works for should be found on the register and their staff are all covered by the legislation. If these cannot be presented the individual may still offer financial guidance instead of financial advice. In terms of finance guidance is different to advice and is not regulated. Therefore there isn't any recourse for either party if errors are made.

Financial Advisor Quotes in Swansea Wales

If you are needing advice on investments you will be asked the level of risk you're comfortable with. Larger rewards could be possible with high risk investments, however you stand a greater chance of losing all or some of your money. The best investment and financial advice will take you savings goals into consideration, i.e. long or short term investments, how much you wish to invest and how rapidly you need access to your funds. You must always ask yourself the one vital question, how much can you afford to lose. Commonly called your capacity for loss, this will quite likely affect the products and services that you are offered.

Financial Advice Near Swansea Wales

If you have already got any existing mortgage loans, savings accounts, regular payments or investments, you need to let your financial advisor know about these. They'll need these details, so that they can get a clear picture of your financial situation and give the appropriate advice for you. Diversifying your investments and savings by spreading the risk load across various products, is a vital part of good quality financial advice. So as to match your goals and financial situation, a professional financial advisor in Swansea will understand the best products to consider.

Your financial advisor will try to communicate in as plain a speech as possible, while throwing open the multifaceted world of finance. This will permit you to compare services and products which meet your needs, and make an informed decision. If the environment is important to you, you could perhaps ask that ethical savings and investment schemes take precedence. This not only gives you investment opportunities, but also allows you to support green energy or zero carbon projects, and steer clear of companies and businesses that do not share the same values.

Working alongside a financial advisor in Swansea can be tricky to manage around your work life and other commitments. To enable you to seek advice at a time to suit you, one-on-one appointments can be backed up with telephone and video conferencing. Even if you hardly ever have a one-on-one meeting with your personal advisor, an experienced financial advice company in Swansea will have strict measures in place to ensure your details are kept confidential and secure, because working from home and remote working is now so common.


Investment values could go down as well as up, and this is something that you must keep in mind. If your investment isn't making as much money as you were hoping for, it can be extremely stressful and frustrating. A downward spiral in your investment is not a recognised basis for complaint, unless your financial advisor has supplied you with misleading or wrong information.

Independent Financial Advisor Near Swansea (SA1)

The firm's official complaints procedure should be the place to start with any disputes, and the Key Facts Document will discuss this. If the problem remains unsolved within the time schedule laid down by the regulating authority, and your financial advisor is registered with the FCA, you can get in touch with the Financial Ombudsman.

The Financial Ombudsman will come to a decision after independently reviewing the cause for complaint. A decision will be made on how to financially compensate the client, if the complaint is upheld. On acceptance by the customer, the ruling will become a legally binding one, and the financial advisor and their company must comply with it. Any inconvenience, upset, hassle and distress caused to the client during the situation, will be considered when the Ombudsman establishes the level of compensation.

Book a Financial Advisor in Swansea UK

Financial advice can be provided in Swansea and also in: Gowerton, Pontardawe, The Mumbles, Killay, Skewen, Pontarddulais, West Cross, Cadle, Rhos, Port Talbot, Dunvant, Sketty, Penlan, Cockett, Clydach, Plasmarl, Morriston, together with these postcodes SA1 1EF, SA1 1TY, SA1 1NA, SA1 1JR, SA1 1JG, SA1, SA1 1NE, SA1 2BX, SA1 1UZ, SA1 1XY. Local Swansea financial advisers will probably have the postcode SA1 and the dialling code 01792. Checking this out will make sure that you are accessing locally based financial advisers. Swansea property owners are able to benefit from these and various other finance related services. Simply click on the "enquiry" banner to get information on financial advisors in your location.

Swansea Financial Advice Services

Financial Advice Tasks Swansea

There is a variety of services which can be provided by your local Swansea financial advisor including pension consolidation advice in Swansea, mutual funds Swansea, inheritance tax planning Swansea, family income benefit, annuities Swansea, ISA's, multi-asset portfolios, financial analyst services, life assurance, investing an inheritance Swansea, saving for children in Swansea, pensions in divorce in Swansea, personal pensions, tax planning, business planning, pension drawdowns, wealth management & investments, retirement plans, corporate bonds, pension planning Swansea, independent financial advice Swansea, income protection, critical illness cover, money planning Swansea, pension planning, personal financial planning in Swansea, general financial planning Swansea, trustee investment services in Swansea, offshore investments in Swansea, ethical investment advice, and lots more. Listed are just a selection of the activities that can be carried out by a financial advisor. Swansea professionals will let you know their whole range of services.


Financial Advisors Near Swansea

Also find: Skewen financial advisors, Morriston financial advisors, Sketty financial advisors, Pontardawe financial advisors, The Mumbles financial advisors, Penlan financial advisors, Pontarddulais financial advisors, Killay financial advisors, Clydach financial advisors, Cadle financial advisors, West Cross financial advisors, Plasmarl financial advisors, Cockett financial advisors, Gowerton financial advisors, Rhos financial advisors, Dunvant financial advisors and more. Practically all of these localities are catered for by local financial advisors. Householders in the region can make enquiries about financial advice by going here.

Swansea Financial Advice Services

Find a Financial Advisor in Swansea Here
Financial Advice Enquiries in Swansea Wales (01792)
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For the latest local Swansea information go here

Independent financial advisor in SA1 area, and dialling code 01792.

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(This financial advisor Swansea page was reviewed and updated on 20-02-2024)