Financial Advisor Wokingham

Wokingham Independent Financial Advice & Investment

Financial Advisor Wokingham Berkshire (RG40): If you're in search of financial advice for the first time, trying to find a good financial advisor advisor in the Wokingham area can be an intimidating experience. Whether you're looking for pension, mortgage, investments or even insurance advice, all qualified financial advisors are bound by one common rule; they all have to follow the regulations laid down by the Financial Conduct Authority (FCA). This comes with some guarantees, therefore after taking advice from a FCA authorised financial advisor in Wokingham, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman, if if things go wrong.

Free Wokingham Financial Advisor Quotes

A decent starting point in choosing a financial advisor in Wokingham may be friends and family, but keep in mind that the kind of advice you're searching for may be different to theirs. Their advice needs to be adapted to your particular circumstances, and not every financial advisor is suitable for everyone. It pays to speak with at least 3 different firms when you are picking a financial advisor, since this is an important decision, and you need to find one that you feel comfortable with and can trust, and also explore the various options they can provide.

Financial Advisor Wokingham Berkshire (RG40)

There are 2 main types of financial advisor in Wokingham; restricted advisors and independent financial advisors. An independent financial advisor won't be limited to the services or products of just one provider. Independent financial advice should be provided in an impartial and unbiased way and across the entire gamut of financial products and companies. Using an IFA should allow you to choose from the widest possible range of products. If you go to a restricted financial advisor you will find that they may be limited to services and products of a particular firm, or as in the case of a mortgage advisor, may only be involved with one solitary product.

The FCA requires that any financial advisor in Wokingham must be fully transparent with you about their charges, before accepting you as a client. You might be charged a set fee, by the hour or possibly even a specific percentage of your investment, in accordance with kind of services you require. A free initial consultation will sometimes be offered, so that you can discuss your goals and circumstances to determine whether the advisor is the right choice. In some larger Wokingham companies, you might find that your account is managed by a team as opposed to an individual advisor.

Financial Advisors Wokingham UK (0118)

Before any actual financial advice is handed out you'll have to fill out a confidential disclosure document, called a "Fact Find" form, which informs the advising firm about your goals and financial situation. An Initial Disclosure, or Key Facts Document will also be handed to you, providing information regarding the financial advisors themselves, explaining their range of permissions in the financial sector and their situation for offering restricted or independent advice. This document will also lay down your own legal rights and the possible options you can take if you're not happy with the service, and would like to make a complaint. It should describe precisely what you're signing up for, and any potential benefits and risks that exist if you choose to accept the offered advice, and it has to be written in plain English. This document should also inform you of the cooling-off period. This allows you to have a change of heart within a certain time frame, and cancel the contract with your financial advisor.

You need to check what experience and qualifications the financial advisor has when you first speak with them. After all you are just about to entrust your financial future to their skill, so you should not be embarrassed about asking such questions. Every Wokingham financial advisor must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. If the advisor's name does not appear on the Financial Services Register, you don't need to freak out, the firm the person works for will almost certainly be on the register and their personnel will be covered by the legislation. If these can't be presented the individual can still offer financial guidance rather than advice. Guidance is not regulated in the same way as financial advice, which means that if mistakes occur the client won't have any recourse.

Financial Advisor Quotes in Wokingham Berkshire

If it is investing money that you're interested in, the advisor will ask you about the level of risk you are ready to accept with your hard-earned money. High risk investments may offer larger rewards, but some or all of your capital could be lost. The best investment and financial advice will take into account your savings aims, i.e. how much you wish to invest, long or short term investments and how rapidly you need access to your money. One question you should ask of yourself, which is often overlooked, is how much money you can actually afford to lose. Commonly called your 'capacity for loss', this will quite likely influence the services and products that you're offered.

Financial Advice Near Wokingham Berkshire

If you've already got any current personal savings, mortgage loans, investments or regular outgoing payments, you should let your financial advisor know about these. To make certain that you receive the most appropriate advice for you, they need to have a full and clear picture of your finances. Sound financial advice should allow for diversifying your investments and savings by spreading the risk load across different products. In order to mirror your goals and financial situation, an experienced financial advisor in Wokingham will have the knowledge of the best areas to consider.

Communicating in the clearest way possible, your financial advisor will throw open the multifaceted world of investment and finance. After learning about the various services and products which match your needs, you should be in a position to make an informed and knowledgeable decision. You can even ask your advisor only to specify ethical investment and savings schemes. This does not just give you investment opportunities, but also allows you to lend your support to renewable energy or zero carbon projects, and steer clear of companies that do not share the same values as you.

Working closely with a financial advisor in Wokingham can be difficult to fit in around your work life and other responsibilities. To allow you to get advice at a time to suit you, one-on-one meetings can be backed up with telephone calls and video conferencing. Remote and home working is now commonplace, and any professional financial advice firm in Wokingham will have rigorous measures in place to ensure your details are kept secure and confidential, even if you hardly ever have a one-on-one meeting with your advisor.


The value of your investments could go down as well as up, and this is a factor that you must remember. If your investment is not making the amount of money you hoped for, it can be quite frustrating and worrying. A downward trend in your investment is not seen as a grounds for complaint, unless your advisor has supplied you with wrong or misleading information.

Independent Financial Advisor Near Wokingham (RG40)

Any disputes should start with the company's official complaints procedure as detailed in the Key Facts Document. If the issue is unsolved within the time laid down by the regulating body, and your advisor is registered with the Financial Conduct Authority, you can notify the Financial Ombudsman.

The Financial Ombudsman will make a ruling after independently reviewing the cause for complaint. If the complaint is justified, a decision will be made on how to financially compensate the customer. Once the decision has been accepted by the customer it becomes a legally binding decision which the financial advisor and their firm, must comply with. Any compensation fixed by the Financial Ombudsman will also account for any hassle, distress, annoyance and inconvenience caused to the client during the situation.

Book a Financial Advisor in Wokingham UK

Financial advice can be provided in Wokingham and also in: Popeswood, Whitley, Arborfield Cross, Binfield, Holme Green, Eversley, Arborfield Garrison, Arborfield, Finchampstead, Gardeners Green, Swallowfield, Amen Corner, Wixenford, Winnersh, Woosehill, Bracknell, Wick Hill, Barkham, Woodley, Eastheath, The Ridge, Sindlesham, Farley Hill, as well as in these postcodes RG40 1GS, RG40 1QU, RG40 1SS, RG40 1UJ, RG40 1PA, RG40 1SY, RG40 1DA, RG40 1RL, RG40 1QJ, RG40 1TJ. Locally based Wokingham financial advisers will most likely have the phone code 0118 and the postcode RG40. Verifying this will guarantee that you access local financial advisers. Wokingham property owners will be able to utilise these and many other finance related services. Click on the "enquiry" banner to get information on financial advisors in your location.

Wokingham Financial Advice Services

Financial Advice Tasks Wokingham

There is a range of services which can be provided by your local Wokingham financial advisor including mutual funds Wokingham, personal pensions advice, money planning, retirement planning, trusts, cash flow modelling Wokingham, trustee investment services, unit trusts, financial advice services, pension consolidation, portfolio management, personal protection, pension drawdowns, business protection, death benefits Wokingham, equity release, investment consolidation, tax financial planning in Wokingham, pension transfer advice, independent financial advice, familt controlled trusts, investment plans, pension reviews, general financial planning, cashflow analysis, financial planning, life insurance advice in Wokingham, pension planning in Wokingham, annuities, offshore investment advice, and more. Listed are just some of the activities that can be conducted by a financial advisor. Wokingham professionals will be delighted to keep you abreast of their entire range of services.


Financial Advisors Near Wokingham

Also find: Binfield financial advisers, Eversley financial advisers, The Ridge financial advisers, Bracknell financial advisers, Holme Green financial advisers, Gardeners Green financial advisers, Swallowfield financial advisers, Finchampstead financial advisers, Arborfield Garrison financial advisers, Wixenford financial advisers, Whitley financial advisers, Popeswood financial advisers, Arborfield Cross financial advisers, Farley Hill financial advisers, Woodley financial advisers, Barkham financial advisers, Woosehill financial advisers, Arborfield financial advisers, Winnersh financial advisers, Wick Hill financial advisers, Sindlesham financial advisers, Amen Corner financial advisers, Eastheath financial advisors and more. Most of these areas are serviced by local financial advisers. Wokingham residents can get financial advice quotes by clicking here.

Wokingham Financial Advice Services

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Financial Advisors Around Wokingham: Over the past 12 months financial advice was provided in the following Wokingham streets: Tamar Way, Soldiers Rise, Barkham Manor, Bearwood Park, Charlton Close, Seaford Road, The Lea, St Annes Drive, Spencer Close, Ditchfield Lane, Barrett Crescent, Saturn Close, Dieppe Close, Dean Grove, Tickenor Drive, Bearwood College, Chackfield Drive, Barkham Ride, Church Lane, Budges Road, Crecy Close, Budges Gardens, Thorn Close, Clare Avenue, Blandford Drive, Corfield Green, Coppid Hill, Deacon Close, Delane Drive, and in these Berkshire postcodes: RG40 1GS, RG40 1QU, RG40 1SS, RG40 1UJ, RG40 1PA, RG40 1SY, RG40 1DA, RG40 1RL, RG40 1QJ, RG40 1TJ. Folks living in these local areas recently requested the help of a financial advisor. Wokingham residents enjoyed the benefits of trusted and reliable financial services on every occasion.

For the latest local Wokingham information take a look here

Financial Adviser Jobs Wokingham: Browse financial adviser jobs in Wokingham by going here: General Financial Advisor Jobs

Independent financial advisor in RG40 area, (dialling code 0118).

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(This financial advisor Wokingham content was successfully updated on 06-05-2022)