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Financial Advisors in the UK

Duchy Independent Financial Advisers

Duchy Independent Financial Advisers

Truro, Cornwall, South West England, TR1 2DP

We are truly independent and "whole of market"- not owned by a bank or insurance company so we are free to find the right solution for you. We have the financial knowledge, insight and experience to give you excellent advice. Our team of highly qualified specialists cut through the jargon and small print to find clear, informed and effective solutions. less

F & W Financial Solutions

F & W Financial Solutions

Brighouse, West Yorkshire, Yorkshire and the Humber, HD6 4AU

Symphony Financial Advisers specialise in pre and post-retirement financial planning for people who want to strike a harmonious balance between their present and future needs. We provide unbiased advice on investments, pensions, retirement planning, inheritance and taxation. less

The Jelf Group

The Jelf Group

Reading, Berkshire, South East England, RG1 4BN

Jelf is a leading consultancy providing expert advice on insurance, employee benefits, healthcare and financial planning for businesses and individuals. With more than 30 offices across England, Wales and Scotland, we provide a personal, friendly, client focused approach with the benefits that come from being a full service intermediary with national reach - a combination that makes for a powerful partnership. less

Prosper I F A

Prosper I F A

Workington, Cumbria, North West England, CA14 4HL

When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large windfall, you need to provide yourself with a secure income for the rest of your life. A well prepared pension plan which is regularly reviewed should go some way to providing this. less

Mortgage Market

Mortgage Market

Barry, Vale of Glamorgan, Wales, CF63 2AW

Sebastian & St James International Financial Advisers Ltd is an international financial services company serving clients throughout the world. We specialise in all aspects of financial advice, offering a financial consultation service which encompasses a wide range of investment and pension based solutions. We recognise that every client is different so we provide a service tailored to the requirements of each individual. less

Riverglen

Riverglen

Bourne, Lincolnshire, East Midlands, PE10 9AE

We offer independent, individual and professional advice to help you make the right decisions for you, your family or your business. Riverglen Financial Associates provide an effective & efficient service delivered in a personal manner and we believe that there is no substitute for experience. Being independent we will always put your interests first. We don't favour particular products or lenders; we will recommend the product that is best suited to you. less

Robert Harris Independent Financial Advice

Robert Harris Independent Financial Advice

Long Eaton, Derbyshire, East Midlands,

The FCA regulates the conduct of all regulated providers of financial services in the UK and has wide-ranging powers for rule-making, investigation and enforcement under the Financial Services and Markets Act 2000 (FSMA), as amended by the Financial Services Act 2012. The FCA, which is accountable to the Treasury and, ultimately, Parliament, recognises financial services companies like Valutrades that contribute to its overall goal of promoting efficient, orderly and fair financial markets. less

Andrews Hammond Brady

Andrews Hammond Brady

Ringwood, Hampshire, South East England, BH24 1DH

We are totally Independent Financial Advisers. As we are privately owned, our advice is not influenced by anything other than your best interests, and we apply over 100 years of combined experience to securing your financial future. In 1997, we established our firm with the aim of providing sound, strategic financial advice. The guiding principles of Andrews Hammond Brady's directors remain and our reputation has been built upon over 100 years of combined experience in this sector. less

Chatsworth

Chatsworth

Bournemouth, Dorset, South West England, BH1 2EF

The Chatsworth Practice is a family business of Independent Financial Advisors established 1984. We work mainly with professional clients in the South of England, with whom we develop long standing relationships which in many cases last a lifetime. We offer expert advice in areas which include Investments, Pensions, Annuities, Pension Drawdown, Mortgages, Insurance and trust planning. less

North Star Financial Services

North Star Financial Services

Woking, Surrey, South East England, GU21 6ET

North Star Financial services are based in Hampshire and offer face to face advice in Hampshire, Surrey, Berkshire & Middlesex. We have phone based advisors who offer excellent service to the whole of the UK. With your permission, we would like to retain you as long term clients where you can benefit from our ongoing review service. This service will ensure that you continue to benefit from the most competitive rates in the marketplace. less

JCF Financial

JCF Financial

Winchester, Hampshire, South East England, SO22 4HZ

We believe that active management of your portfolio of funds can create wealth, but it is just as important to protect your wealth. Planning for your future financial independence relies on selecting the right type of investments and balancing the risks you are comfortable with alongside the potential returns. Every investor is unique so a one-size-fits all approach just doesn't work, as there isn't a single investment strategy that will work for everyone. less

Fortress Financial Services

Fortress Financial Services

Carrickfergus, County Antrim, Northern Ireland, BT38 7DN

Fortress Financial Services is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Kenneth has been involved with Financial Services since 2005, firstly based in Limavady before moving to Carrickfergus as a Multi-tie Representative in 2006. less

H B F S

H B F S

Borehamwood, Hertfordshire, East England, WD6 4RN

For over 35 years, HBFS Financial Services has worked tirelessly with Individuals, Companies, Charities and Trusts to develop a strong reputation as one of the leading Wealth Management firms in the UK, as well as being a comprehensive provider of most financial planning services, including mortgages, pensions and insurance. At HBFS, our Wealth Management philosophy is simple, why take unnecessary risk for potentially unrealistic gains. less

Richings Financial Management

Richings Financial Management

Iver, Buckinghamshire, South East England, SL0 9AU

We hope you find the site both useful and informative. In advising and recommending the most suitable mortgage to fit your needs, we will charge a fee equivalent to 0.75% of the total mortgage borrowing (on the property against which said debt is arranged), less any commission we may receive from the recommended lender, subject to an overall minimum of £750. less

Cooper Financial Services

Cooper Financial Services

Wolverhampton, West Midlands, West Midlands, WV8 1BX

Cooper Financial Services is authorised and regulated by theFinancial Conduct Authority Cooper Financial Services is not a stock broker and cannot advise on individual shares or their suitability. Please ensure you read our Terms of Business and Key Facts and Privacy statement West Midlands Financial Advisers serving Wolverhampton, Stourbridge, Birmingham and beyond. less

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Do you wonder what a financial advisor does for a living? Maybe you need the professional assistance and help of a financial advisor? We can help you choose the right financial advisor and specialist in that field by sharing more about what a financial advisor does and how they can help you. Stay tuned to learn more.

Why Choose a Financial Advisor?

In a nutshell, a financial advisor is this type of specialist who will advise you on your financial endeavours and affairs, the investments you want to make, some good financial opportunities for you, the course of action you may take for your best. Naturally, people are not used to sharing a lot about our current financial situation and our plans. However, It is literary the job of the financial advisor to know about your plans, aspirations, financial past and help you explore a window of good opportunities. This article will provide you with an overview of what a financial advisor actually does and how the right financial advisor will help you choose the appropriate investments for you. With the help of such information, you will be able to choose the right financial advisor for you. At the end of the day, a financial advisor is someone you have to fully trust and rely on. Therefore, make sure to follow our tips and recommendations and also go with your guts, when choosing a financial advisor.

What does a financial advisor do?

Think of your financial advisor as a planning partner. In order to accomplish your financial goals, you can benefit a lot from the professional help of a financial advisor. A skilled professional with the right licenses and qualification if someone who will help you make all good plans become a reality.

A financial advisor can be competent and help you in different aspects, including the amount of money you should save in order to finance your plans and goals, the types of accounts that are best for you, the kinds of insurance that is best for you, estate and tax planning, etc. Part of the job of a financial advisor is also to help you understand how you can achieve your future financial goals. A financial advisor will have enough understanding, knowledge, and expertise in financial topics and be able to help you understand them too. Such financial topics a financial advisor will most likely discuss with you include budgeting, saving, complex investment, insurance, tax matters, etc.

However, the first thing a financial advisor will do for you when you start working together is they learning more about your financial health and current financial situation. It is impossible to make a solid plan for a financial future if you don’t know where you stand at the moment. Therefore, a financial advisor will start with this aspect, typically learning more about your financial health through a detailed questionnaire they will give you to fill in. Make sure to provide honest and detailed answers, as this will help the financial advisor understand all important information about you and your financial health.

Financial Advisor and the Financial Questionnaire

The way you will fill in the questionnaire you are given by the financial advisor will determine how well and detailed they will be informed of your assets, liabilities, income, expenses. This questionnaire will typically also cover topics such as future pensions, income sources, project retirement needs, long-term financial obligations if any. You should also let the financial advisor know more about your investment preferences. This initial stage of assessment of your financial plans and current situation also includes other aspects including insurance issues, your tax situation, your current estate plan, other possible professionals you are involved with on your planning team, including lawyers, solicitors, accountants, etc.

Financial Advisor and a Financial Plan

Once the financial advisor collects, assesses, and reviews all the details and information you provide them with, they will be ready to create a comprehensive financial plan for you that will pretty much turn into the roadmap of your financial future and provide you with guidelines. Such a financial plan will summarize your current financial situation and all key details you have provided and will also include all the financial goals you and your financial advisor have already discussed and planned. Such a document will cover a few important topics, including your risk tolerance, estate-planning details, family situation, long-term care risk, other possible present and future financial issues. Next, the financial advisor will continue the financial plan by mentioning all potential best- and worst-case retirement scenarios and the needed steps that have to be taken for preventing the worst-case scenarios.

Financial Advisor Plans Action Steps

A financial advisor is a professional, who is involved in not only helping you with investments but also dissecting and improving every aspect of your financial life and situation. In fact, it is not even necessary to hire a financial advisor in order to get professional advice on investments. However, most people will opt for the help of a financial advisor mainly because of investments. In this case, the job of the financial advisor is to set an asset allocation, keeping in mind your risk tolerance and risk capacity. What an asset allocation determines is how percentages of your total financial portfolio will be allocated towards different asset classes. Additionally, the financial advisor will adjust your asset allocation based on your current age and how long you have before retirement. The financial advisor will work in accordance with the law and regulations in the field and also with their own or their company’s investment policy when they buy and sell financial assets.

Financial Advisor and Investments

It is important for you to understand what and why your financial advisor is recommending. Don’t follow their recommendations blindly, always make sure to ask questions, if you are concerned or not sure you understand something. Also, keep a close eye on the fees you are paying to your financial advisor. Ask your financial advisor why they recommend an investment, also if they will get a commission by selling you this investment. Pay attention to the investment philosophy of the financial advisor’s firm too.

Why choose a financial advisor?
What does a financial advisor do?
Financial advisor and the financial questionnaire
Financial advisor and a financial plan
Financial advisor plans action steps
Financial advisor and investments