Financial Advisor Weybridge Surrey (KT13): If you're seeking financial advice for the first time, trying to find a decent independent financial advisor in the Weybridge area can be a daunting experience. However, all qualified financial advisors have one thing in common; they all have to conform to the regulations laid down by the FCA (Financial Conduct Authority), whether you're after pension, investment, mortgage or even insurance advice. This comes with various guarantees, thus after taking advice from a FCA authorised financial advisor in Weybridge, you can seek recompense from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if something should go awry.
Recommendations from family and friends can be a good starting point in selecting a financial advisor in Weybridge, but remember that their situation may be different to the type of advice you're looking for. Financial advice should be individually tailored to your unique circumstances, and you will discover that certain financial advisors may not be suitable for you. To check out the options that they can provide and find a financial advisor that you feel comfortable with and can trust, it pays to chat to at least three different companies, because picking a financial advisor is a major decision.
Independent financial advisors (IFA) and restricted advisors, are the 2 principal kinds of financial advisor in Weybridge. Offering a broader range of options, an IFA should not be limited to a single provider's services and products. Encompassing the whole spectrum of financial products and companies, independent financial advice should be offered in an unbiased and impartial way to clients. If you elect to use an IFA, you will be able to choose from the broadest possible range of services, in order to find the right solution for your needs. A restricted advisor may be focused on a single product, as with a mortgage advisor, or be restricted to services and products from a specific company.
Before any financial advisor accepts you as a client, they're required by the FCA to fully discuss their charges with you. Although it varies based on the kind of service you're looking for, there could be a set fee, an hourly rate, or you might even be charged a percentage of what you're investing. A free first consultation could be offered, so that you can discuss your objectives and situation to see if the advisor is a good fit. In some larger Weybridge companies, you may find that your account is being handled by a team rather than an individual.
To describe your financial situation and targets to the advising firm, you'll be asked to fill out a "Fact Find" document, which is a confidential disclosure form. To provide details about the financial advisor, their status to offer restricted or independent advice and their scope of permissions in the financial sector, you'll also be handed an Initial Disclosure Document, or Key Facts Document. Your rights should also be set out in this document, along with the possible options you can take if you wish to complain because you are not satisfied with the service you're given. It must be simple to understand, written in layman's terms, and describe exactly what you're signing up for, along with the benefits and risks of going along with the advice. This document should also inform you about the cooling-off period. This allows you to have a change of heart within a certain time period, and cancel the contract with your financial advisor.
Make sure you check the qualifications and experience of the financial advisor the first time you speak with them. Asking such questions should never be a cause for embarrassment, because you are entrusting them with your financial future. Every financial advisor in Weybridge must be able to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. If your advisor's name doesn't show up on the Financial Services Register, you don't need to stress, the company the person works for should be found on the register and their employees will be covered by the legislation. If these can't be provided the individual may still offer financial guidance instead of advice. Guidance is not regulated in the same way as financial advice, which means that if mistakes occur neither party will have any recourse.
If it is investing money that you are interested in, your advisor will want to know the level of risk you might be willing to accept with your hard-earned money. Bigger rewards might be possible with higher risk investments, however you stand a greater chance of losing all or some of your cash. In order to get the very best investment and financial advice, your savings objectives must be considered, i.e. how much you wish to invest, short or long term investments and how rapidly you need access to your money. The one question that you should ask of yourself, which is frequently ignored, is just how much you can actually afford to lose. Generally known as your capacity for loss, this will very likely have an effect on services and products that you're offered.
From the outset, it's imperative that you tell your financial advisor about any investments, regular outgoings, mortgage loans or savings that you have. To ensure that you get the most appropriate advice for you, they need to gather a full and clear picture of your financial situation. Diversifying your savings and investments by spreading the risk across various products, is a vital part of sound financial advice. A seasoned financial advisor in Weybridge will understand the best areas to consider, which match your goals and your financial situation.
Communicating in the plainest speech possible, your financial advisor will lay bare the complex world of finance and investment. This will help you to compare services and products that match your needs, and make an informed decision. If you are environmentally minded, you can maybe ask your advisor to stick to ethical investment and savings schemes. You will then be able to steer clear of companies that businesses meet your requirements, and instead lend your support to those businesses and companies that address your concerns, for instance zero carbon or renewable energy.
It's not always easy to have a close working relationship with a financial advisor in Weybridge without this affecting your work day and other responsibilities. To allow you to get advice at times that suit you, face-to-face appointments can be complemented with telephone and video conferencing. Working from home and remote working is now a large part of our society, and an established financial advice provider in Weybridge will have stringent measures in place to keep your details secure and confidential, even if you rarely have a one-on-one meeting with your advisor.
The value of your investments could fall as well as rise, and this is a factor that you must keep in mind. It can be very demoralising and worrying if your investment fails to make the amount of money you were hoping for. Unfortunately, your investment having a downward trend is not a recognised basis for complaint, unless it's due to misleading or wrong information from your advisor.
Any complaints should commence with the firm's complaints procedure as detailed in the Key Facts Document. If the financial advisor is a member of the FCA, you can tell the Financial Ombudsman about the matter if it remains unresolved within the time period set by the regulating authority.
After independently reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. A decision is made on how to financially compensate the client, if the complaint is justified. Once the ruling has been agreed on by the client it becomes a legally binding decision that the financial advisor and their company, must abide by. The Financial Ombudsman will also take into account any annoyance, trouble, inconvenience and distress caused to the customer during the situation, and establish the level of compensation proportionately.
Financial advice can be provided in Weybridge and also in nearby places like: New Haw, Ashford, Meadowlands, Woodham, Cobham, Byfleet, Thorpe, West Byfleet, Egham Hythe, Walton-on-Thames, Oatlands Park, Addlestone, Hersham, Shepperton, St Georges Hill, together with these postcodes KT13 0DH, KT13 0NA, KT12 1BJ, KT13 0PA, KT12 5AE, KT13 0QA, KT12 1AR, KT12 1EJ, KT13 0NL, KT11 1EE. Locally based Weybridge financial advisors will most likely have the postcode KT13 and the telephone dialling code 01932.
Surrey Financial Advice Enquiries
Recent Surrey financial advice enquiries: Danielius Smyth from Witley recently enquired about investment advice. Ivan and Shelby Webster from Send recently asked for information on family income benefit. Kaja Duggan from Westcott recently enquired about family income benefit. Xavier Mortimer and Heather Mortimer from Horne, Surrey recently asked for information on investment bonds. Nojus Blackburn and Amalia Blackburn from Chaldon, Surrey recently asked for information on offshore investments. Mahnoor Glenn and Vinnie Glenn from Earlswood recently asked for information on family income benefit. Ella-Louise and Fraser Finch from Warlingham recently enquired about investment advice. Caoimhe Ratcliffe from West Horsley, Surrey recently enquired about pension advice.
Financial Advisors Surrey
In the Surrey area you'll likewise find: Flexford financial advisors, Tadworth financial advice, Molesey investment advice, Badshot Lea financial advisors, West Horsley financial advice, Haslemere investment advice, Merrow investment advisors, West Horsley financial advisors, Wood Street Village investment advice, Byfleet financial advisors, Earlswood investment advisors, Capel investment advice, Byfleet investment advisors, Addlestone investment advice, Farnham financial advisors, Caterham on the Hill investment advisors, Alfold financial advice, Worplesdon investment advice, Shepperton financial advisors, Tadworth financial advisors, Blindley Heath financial advice, Virginia Water investment advisors, Mytchett financial advisors, Ashtead financial advisors, Cobham investment advisors, Lyne investment advice, Chertsey financial advisors, Wonersh investment advice, Blindley Heath investment advice, Dormansland financial advice.
Weybridge Financial Advice Services
There is a range of services which are provided by your local Weybridge financial advisor including life insurance, stakeholder pensions in Weybridge, cash flow modelling in Weybridge, cheap financial advice in Weybridge, wealth management & investments, pension drawdowns in Weybridge, inheritance tax planning, divorce planning in Weybridge, pension reviews, annuity purchase, general financial planning in Weybridge, investment planning, tax planning, pension planning, corporate financial planning Weybridge, will writing services Weybridge, family income benefit Weybridge, trusts in Weybridge, bridging finance, independent financial advice, offshore investment advice, ethical investments in Weybridge, pension consolidation advice, investment advice Weybridge, mortgage financial planning, and more.
Financial Advisors Near Weybridge
Also: Ashford financial advisors, Shepperton financial advisors, St Georges Hill financial advisors, Oatlands Park financial advisors, New Haw financial advisors, Meadowlands financial advisors, Addlestone financial advisors, Byfleet financial advisors, Woodham financial advisors, Thorpe financial advisors, Egham Hythe financial advisors, Walton-on-Thames financial advisors, West Byfleet financial advisors, Cobham financial advisors, Hersham and more.
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Financial Advisors Around Weybridge: Folks living in the following roads and areas have recently requested financial advice - Sarum Green, Anderson Road, Dragon Lane, Chestnut Avenue, Drynham Park, St Georges Avenue, Sorbie Close, Summers Close, Beechwood Manor, Connaught Drive, Curzon Close, South Ridge, Caenshill Road, Dixon Drive, Chestnut Lane, Seven Arches Approach, Templemere, The Meades, Churchfield Road, Dresden Way, Bridgewater Road, Tudor Walk, Dovecote Close, The Fairway, The Villiers, Coniston Court, as well as these local Weybridge postcodes: KT13 0DH, KT13 0NA, KT12 1BJ, KT13 0PA, KT12 5AE, KT13 0QA, KT12 1AR, KT12 1EJ, KT13 0NL, KT11 1EE.
More Surrey Financial Advisors: More Haslemere, Weybridge, Ewell, Cranleigh, Farnham, Leatherhead, Walton-on-Thames, Godalming, Sunbury-on-Thames, Woking, Camberley, Horley, Guildford, Esher, Molesey, Reigate, Epsom, Windlesham, Dorking, Redhill, Addlestone, Ash, Banstead, Hersham, Caterham, Chertsey and Staines.:
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Independent financial advisor in KT13 area, telephone code 01932.
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