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Financial Advisor Horsham

Most financial advisors are now able to work on a remote basis. However, many clients still prefer face-to-face meetings. As such, if you would like a face-to-face meeting with a financial advisor near Horsham, we can help. Below, we have listed some factors to consider before you speak to one. For more help, look at our tips and guides or our financial tools to help you.

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Financial Advisor Horsham

Searching for a financial advisor in Horsham

Before searching for a financial advisor in Horsham, you should consider the following:

  • Does the advisor have experience in the Horsham area?
  • What are their fees, and how do they compare to others?
  • What do I need for the initial meeting?
  • What type of financial advice are you looking for?

How and where to start

A financial advisor will conduct an initial meeting. This gives them a chance to get to know your current and future goals. Generally, the initial meeting is complimentary. Following the meeting, the advisor is able to provide you with their recommendations. If you then decide to appoint them as your advisor, they will conduct regular reviews. These reviews are at intervals that suit you, but we suggest you meet at least once a year. The advisor will explain the benefits of such reviews. Hence, having an advisor who is local to you can be convenient.

Pension advice

The most common company pension types are:

  • Group personal pensions.
  • Occupational schemes.
  • Auto-enrolment schemes.

 

These schemes allow you to withdraw 25% of your pension as a tax-free lump sum. In addition, you can enter a money purchase arrangement upon retirement. The two most common options are income drawdown or annuity purchase. With such a variety of essential choices, seeking a financial advisor in Horsham may be beneficial.

Get the best financial advisor in Horsham

Other key areas of advice offered by advisors covering Horsham.

  • Investment and savings: Some investment products are not always available on the high street, whereas a financial advisor may have access to such products.
  • Financial Planning: A financial advisor helps you with your financial goals and aspirations over the short, medium, and long term.
  • Insurance and Protection: Advisors can offer a wide range of protection products from simple term assurance to pension planning.
  • Inheritance Tax Planning: A financial advisor can help reduce any potential IHT your beneficiaries may face.
  • Final Salary Pensions: It is mandatory in the UK to seek financial advice if you have a final salary pension over £30,000.

Contact us for a financial advisor in Horsham

Contact us for a financial advisor in Horsham. We have over 250 advisors listed, covering almost every city in the UK. Therefore, we aim to find an advisor close to you. They can assist you with all aspects of financial advice. Importantly, they are all registered and regulated by the FCA. So, finding an advisor near you could not be simpler than at Regulated Advice.

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Frequently asked questions

How much does a financial advisor cost?

If you appoint a financial advisor to review your investment or pension portfolio, you may be charged a fee based on the total value of the funds. Typical percentages range from 1% to 3%. For complex cases, such as a final salary scheme, a fixed fee can be agreed upon before giving advice. Some advisors may charge you an hourly rate for certain specific services, such as calculating pension lifetime allowances.

Do I need a financial advisor?

If your pension pot is more than £30,000 and is a defined benefit scheme, you will require regulated financial advice. UK regulations mandate this requirement. Most leading UK pension providers now insist on regulated advice for transfers of this size on defined contribution schemes.

Who can help with pension advice?

Any financial advisor in Horsham certified by the FCA can give you financial advice. All our listed advisors are checked against the Financial Conduct Authority (FCA) register. We list on all advisor profiles both the personal FCA reference number and the FCA reference number for your piece of mind.  

How do I find a financial advisor?

Feel free to search our financial advisor directory by clicking here. Alternatively, we can match you to a financial advisor by clicking here. 

Are you qualified to help me?

By law, all financial advisors must hold at least an FCA-approved level 4 qualification. Many will have higher qualifications for specialist areas of advice, such as defined benefit schemes, but you may want to check that they at least meet the standard.

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