Financial Advisor Westbury

Westbury Independent Financial Advice & Investment

Financial Advisor Westbury Wiltshire (BA13): It can be a daunting experience trying to locate a first-rate financial advisor advisor in Westbury, in particular if it's the very first time that you are in search of financial advice. Whether you are searching for mortgage, pensions, investment or even insurance guidance, all qualified financial advisors have one thing in common; they all have to adhere to the regulations set by the FCA (Financial Conduct Authority). Any advice given by a FCA approved financial advisor in Westbury comes with certain guarantees that if anything should go awry, you can get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme.

Free Westbury Financial Advisor Quotes

When choosing a financial advisor in Westbury, a good place to begin could be neighbours and friends, but you must bear in mind that your circumstances might not be in line with theirs, and you might be in need of a different type of advice. Financial advice needs to be specifically tailored to your unique situation, and you'll find that certain financial advisors might not be suitable for you. To check out the options they're offering and find a financial advisor you feel comfortable with and can trust, it pays to speak with at least three different companies, because after all choosing a financial advisor is an important decision.

Financial Advisor Westbury Wiltshire (BA13)

Independent financial advisors and restricted advisors, are the two principal types of financial advisor in Westbury. Offering a wide range of options, an independent financial advisor should not be restricted to the services and products of a single provider. Independent financial advice should be offered in an unbiased way and across the entire gamut of financial companies and products. This will allow you to choose from the widest range of services to meet your needs. A restricted advisor might be involved with an individual product, such as a mortgage advisor, or be restricted to products and services from a particular provider.

Before accepting you as a client, any financial advisor in Westbury must be fully transparent with you about their charges, as required by the FCA. You may be charged a set fee, by the hour or possibly even a specific percentage of your investment, contingent on type of service you are looking for. To discuss your goals and see if the advisor is the correct fit for your situation, a free preliminary consultation might be offered. In some of the bigger Westbury firms, you may find that your account is being handled by a team as opposed to an individual advisor.

Financial Advisors Westbury UK (01373)

Before any actual financial advice is given you'll need to fill in a confidential disclosure form, called a "Fact Find" document, which tells the advising firm about your financial situation and aims. You'll also be handed an Initial Disclosure Document, or Key Facts Document, which provides you with information regarding the financial advisor, their situation for offering independent or restricted advice and the extent of their permissions in the financial market. Your rights should also be laid out in this document, in addition to your options if you need to submit a complaint because you're not satisfied with the service provided. It should outline what you are committing yourself to, and any potential benefits and risks should you elect to accept the advice offered, and it has to be laid out in plain English. This document must also inform you of the cooling-off period. This enables you to cancel your agreement within a specific time frame, and if any penalties are incurred.

The very first time you're talking with the financial advisor you'll want to check what qualifications and experience they have. You should never be self-conscious about asking these questions, after all you're on the verge of entrusting your financial wellbeing to their expertise. All Westbury financial advisors must hold at least a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. If your advisor's name doesn't show up on the Financial Services Register, you shouldn't freak out, the firm the person works for will almost certainly be on the register and their employees will be covered by the regulations. If they are unable to supply these accreditations, the person can't offer advice but is able to offer financial guidance. In terms of finance guidance is somewhat different to advice and is not regulated in the same way. Therefore there's no recourse for either party if errors occur.

Financial Advisor Quotes in Westbury Wiltshire

If it's investing money that you're interested in, your advisor will need to know the level of risk you might be ready and able to take with your hard-earned money. Most investments carry some degree of risk, but higher risk investments could offer better rewards, but also more likelihood of losing some or all of your money. Good quality investment and financial advice should take into account your savings goals, i.e. long or short term investments, how rapidly you need access to your funds and how much you wish to invest. "How much can you actually afford to lose?" Is the one question that you should really be asking yourself. This is referred to as your 'capacity for loss' and may well influence the products and services that may be offered for your consideration.

Financial Advice Near Westbury Wiltshire

If you've already got any existing savings accounts, investments, mortgage loans or regular outgoings, you have to tell your financial advisor about these. This will provide a clear and full picture of your current financial situation, and without this the advice given might not be the best for you. Reliable financial advice should include diversifying your investments and savings by spreading the risk load across different products. With a knowledge of the best areas to consider, an experienced financial advisor will favour products that most closely fit in with your financial situation and goals.

Your financial advisor will communicate in as plain a speech as possible, while throwing open the complex world of finance. After learning about the services and products that meet your needs, you should be able to come to an informed and educated decision. If environmental issues are important to you, you could perhaps ask that ethical investments and savings take precedence. You will then be able to keep clear of corporations that businesses meet your requirements, but instead support those companies and businesses that address your concerns, for example zero carbon or renewable energy.

It's not always easy to work closely with a financial advisor in Westbury without this affecting work and other responsibilities. To enable you to get advice at times that suit you, face-to-face appointments can be backed up with phone calls and video conferencing. Remote and home working is now a large part of our society, and any competent financial advice provider in Westbury will have stringent measures in place to ensure your details are kept secure and confidential, even if you rarely have a one-to-one meeting with your personal advisor.


Investments can be a volatile area, and values can go down as easily as they go up. It can be incredibly demoralising and worrying if your investment is not making as much money as you were hoping for. Sadly, your investment having a downward trend is not seen as a basis for complaint, except if it is because of misleading or incorrect information from your advisor.

Independent Financial Advisor Near Westbury (BA13)

The firm's official complaints procedure should be the starting place for any disputes, and the Key Facts Document should clarify this. You can tell the Financial Ombudsman about the issue if it is unsolved within the time schedule set by the regulating authority, and your advisor is registered with the FCA.

The Financial Ombudsman will make a ruling after independently reviewing the cause for complaint. If it is found that the complaint is justified, a decision is made on how the client can be financially compensated. The financial advisor and their company must abide by any decision that is made by the Ombudsman, which becomes legally binding once the customer has accepted it. The Financial Ombudsman will also account for any distress, inconvenience, upset and trouble caused to the client during the dispute, and establish the level of compensation accordingly.

Book a Financial Advisor in Westbury UK

Financial advice can be provided in Westbury and also in: Chalford, Westbury Leigh, Standerwick, Frome Market, Bratton, Heywood, Salisbury, Berkley, Yarnbrook, Hawkeridge, Upton Scudamore, Old Dilton, Warminster, Dilton Marsh, North Bradley, and in these postcodes BA13 3JG, BA13 3EB, BA13 2GN, BA13 3LH, BA13 3GU, BA13 3NP, BA13 3BX, BA13 3FS, BA13 3NL, BA13 3HP. Local Westbury financial advisors will likely have the telephone dialling code 01373 and the postcode BA13. Verifying this will guarantee that you access locally based financial advisers. Westbury property owners will be able to utilise these and various other finance related services.

Pension Planning

Vital for a secure retirement is pension planning. By engaging the services of a financial advisor, one can witness a notable enhancement of this process. Understanding your retirement goals, a competent advisor will assess your current financial situation and design a customised pension strategy. They navigate the complexities of UK pension alternatives, such as workplace pensions, the State Pension, and SIPPs (self-invested personal pensions). You can take advantage of their expertise to make informed decisions about investment choices, tax implications and contributions. Working with a financial advisor in Westbury ensures that your future is secured with a solid pension plan, offering financial stability and peace of mind. (61324)

A Financial Advisor's Everyday Tasks

  • A financial advisor keeps fully abreast of new products and regulation changes.
  • A financial advisor thrashes out advantageous deals with with financial product providers.
  • A financial advisor provides counselling, education and consultation regarding investments and finances.
  • A financial advisor works with peers to gather trends, statistics and market information.
  • A financial advisor keeps detailed records of transactions and clients.
  • A financial advisor consistently updates customers concerning their investments.
  • A financial advisor recommends the financial products that are best-suited to customers.
  • A financial advisor meets sales and performance targets.
  • A financial advisor produces detailed financial reports.
  • A financial advisor chats with clients regarding their plans and finances.

Westbury Financial Advice Services

Financial Advice Tasks Westbury

There are a wide range of services which are provided by your local Westbury financial advisor including critical illness cover, trusts, money planning, personal financial planning in Westbury, will writing services in Westbury, bereavement benefit advice in Westbury, pensions in divorce, pension reviews in Westbury, investment planning, business planning, pension consolidation advice, pension planning, corporate bonds Westbury, personal pensions, life insurance, familt controlled trusts in Westbury, cashflow planning, pension planning in Westbury, cheap financial advice in Westbury, equity release, income protection in Westbury, annuities, cash flow modelling in Westbury, family income benefit in Westbury, saving for children, investing an inheritance in Westbury, life assurance advice Westbury, personal protection, portfolio management, pension transfers, and more. Listed are just a small portion of the duties that can be conducted by a financial advisor. Westbury professionals will be happy to tell you about their full range of services.


Financial Advisors Near Westbury

Also find: Standerwick financial advisors, Berkley financial advisors, Old Dilton financial advisors, Dilton Marsh financial advisors, Bratton financial advisors, Yarnbrook financial advisors, Upton Scudamore financial advisors, Hawkeridge financial advisors, Westbury Leigh financial advisors, North Bradley financial advisors and more. All of these locations are catered for by local financial advisors. Home and business owners in the region can make enquiries about financial advice by clicking here.

Westbury Financial Advice Services

Find a Financial Advisor in Westbury Here
Financial Advice Enquiries in Westbury Wiltshire (01373)
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If you need local Westbury information look here

Independent financial advisor in BA13 area, and dialling code 01373.

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(This financial advisor Westbury content was successfully updated on 20-02-2024)