Financial Advisor Appley Bridge

Appley Bridge Independent Financial Advice & Investment

Financial Advisor Appley Bridge Lancashire (WN6): If you're in search of financial advice for the very first time, trying to find a decent financial advisor advisor in Appley Bridge can be a daunting experience. Nevertheless, all financial advisors are bound by one simple rule; they must all adhere to the regulations laid down by the Financial Conduct Authority (FCA), whether you are after investment, pensions, mortgage or even insurance guidance. Any advice given from a FCA registered financial advisor in Appley Bridge comes with certain guarantees that should anything go awry, you can contact the Financial Services Compensation Scheme or the Financial Ombudsman.

Free Appley Bridge Financial Advisor Quotes

A good starting point in choosing a financial advisor in Appley Bridge can be friends and relatives, but bear in mind that the type of advice you are looking for might be different to theirs. Their advice needs to be personalised to your unique situation, and every financial advisor isn't suitable for everyone. Selecting the right financial advisor is vital and it is a good idea to talk to at least 3 different firms so as to check out the various options they provide, and to find one you can trust and feel comfortable with.

Financial Advisor Appley Bridge Lancashire (WN6)

When it comes to picking a financial advisor in Appley Bridge, there are two main types; restricted advisors and independent financial advisors. An IFA won't be limited to just one company's products or services. Independent financial advice must encompass the whole spectrum of financial products and companies, and must be offered in an impartial way. Consulting an IFA should enable you to pick from the widest possible array of services. If you go to a restricted financial advisor you will discover that they might be limited to services and products of one particular provider, or as in the case of a mortgage advisor, may only be involved with one solitary product.

Before accepting you as a client, any Appley Bridge financial advisor must discuss their charges with you, as demanded by the FCA. You may be charged a set fee, by the hour or possibly even a percentage of your investment, based on type of service you're looking for. To discuss your aims and determine whether the advisor is the proper choice for you and your circumstances, you will sometimes be offered the possibility of a free first consultation. If you use one of the bigger Appley Bridge firms, your account may be managed by a team of advisors rather than just one individual.

Financial Advisors Appley Bridge UK (01257)

To describe your targets and financial situation to the advising company, you will need to fill out a "Fact Find" form, which is a confidential disclosure document. To provide information regarding the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial arena, you'll also be given an Initial Disclosure, or Key Facts Document. If you're not happy with the service, and wish to complain, this document will also lay down your own legal rights and the possible options you can take. It has to be written in plain language and detail what you're signing up for, and any possible risks and benefits if you choose to go along with the offered advice. The level of cooling-off period should also be fully explained in this Key Facts Document. This enables you to cancel your contract within a specific period of time, and if any penalties are incurred.

The first time you are talking with the financial advisor you need to check what qualifications and experience they have. Do not be self-conscious about asking these questions, after all you're on the verge of entrusting your financial future to their expertise. Every Appley Bridge financial advisor must be in a position to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. You should not panic if your specific financial advisor's name doesn't show up on the Financial Services Register, as long as the company is on the register, their personnel will be covered by the legislation. If these can't be provided the individual can still offer financial guidance as opposed to financial advice. Guidance is somewhat different to advice as it is not regulated, and if financial errors occur there will likely be no recourse to either party.

Financial Advisor Quotes in Appley Bridge Lancashire

If you're seeking advice on investing money you will be asked the level of risk you are willing to take. Higher risk investments could potentially offer substantial rewards, but all or some of your funds could be lost. Your savings aims must be taken into account if good quality financial and investment advice is to be given, i.e. how quickly you need access to your money, long or short term investments and how much you wish to invest. "How much can you actually afford to lose?" Is the one crucial question that you should really be asking yourself. This is sometimes referred to as your capacity for loss and might influence the products and services that could be offered to you.

Financial Advice Near Appley Bridge Lancashire

From the outset, it is imperative that you let your financial advisor know about any existing regular payments, savings accounts, mortgages or investments that you have. To make certain that you receive the best advice for you, they need to gather a full and clear picture of your financial situation. Good quality financial advice should include diversifying your savings and investments by spreading the risk load across a number of different products. A certified financial advisor in Appley Bridge will be aware of the best areas to consider, which match your goals and your financial situation.

Your financial advisor will attempt to communicate in as plain a speech as possible, to lay bare the complex world of finance. You should be in a position to come to an informed decision after you have learned about the various products and services which match your needs. You can maybe ask your financial advisor to only include ethical investment and savings schemes. This does not just give you investment possibilities, but also enables you to support zero carbon or green energy projects, and steer clear of companies that do not share the same values.

It can prove difficult to manage your work life and other responsibilities around a close working relationship with a financial advisor in Appley Bridge. To enable you to seek advice at a time to suit you, face-to-face meetings can be augmented with video conferencing and telephone calls. Working from home and remote working is now commonplace, and an experienced financial advice firm in Appley Bridge will have stringent measures in force to ensure your details are kept secure and confidential, even if you hardly ever have an in-person meeting with your personal advisor.


Investments can be an unpredictable area, and values could fall as well as rise. If it happens that your investment fails to make as much money as you hoped for, it can be a stressful and disheartening time. A downward spiral in your investment isn't a recognised cause for complaint, unless your advisor has supplied you with misleading or incorrect information.

Independent Financial Advisor Near Appley Bridge (WN6)

As described in the Key Facts Document, any grievances should start out with the company's complaints procedure. If the matter is unsolved within the timeframe laid down by the regulating body, and your financial advisor is a member of the FCA, you can contact the Financial Ombudsman.

The Financial Ombudsman will independently review the cause for complaint and come to a decision. A decision will be made on how to financially compensate the customer, if the complaint is justified. The financial advisor and their company must abide by any ruling that's made by the Ombudsman, which becomes legally binding as soon as the client has agreed to it. Any compensation as set out by the Ombudsman will also take into consideration any upset, trouble, distress and inconvenience caused to the client during the dispute.

Book a Financial Advisor in Appley Bridge UK

Financial advice can be provided in Appley Bridge and also nearby in: Whelley, Roby Mill, Standish Low Ground, Lower Standish, Blackrod, Shevington Moor, Marylebone, Dalton, Wrightington, Standish, Shevington, Up Holland, Red Rock, Aspull, Haigh, and in these postcodes WN6 9RJ, WN6 9ER, WN6 9AR, WN6 9AL, WN6 9ZP, WN6 9SH, WN6 9WY, WN6 9DX, WN6 9PL, WN6 9AB. Local Appley Bridge financial advisors will probably have the postcode WN6 and the telephone code 01257. Checking this out will ensure you access local financial advisers. Appley Bridge property owners are able to benefit from these and many other comparable services. Click on the "enquiry" banner or form to get specifics of financial advisors in your location.

Regular Duties of a Financial Advisor

  • Financial advisors produce in-depth financial reports.
  • Financial advisors provide consultation, counselling and education regarding investments and finances.
  • Financial advisors research financial products and explain them clearly and simply to their clients.
  • Financial advisors speak with clients about their finances and plans.
  • Financial advisors continually update clients regarding their investments.
  • Financial advisors work together with their peers to collect market information, statistics and trends.
  • Financial advisors keep fully abreast of new products and regulation changes.
  • Financial advisors keep detailed records of clients and transactions.
  • Financial advisors make deals with with providers of financial products.
  • Financial advisors meet targets for sales and performance.

The Skills and Knowledge Needed to be a Financial Advisor

  • To be good at selling services and products.
  • Outstanding skills in verbal communication.
  • Excellent skills in customer service for finding out client requirements and needs.
  • To be capable of using a computer and the primary software applications.
  • To be able to network and build solid relationships with clients.
  • Excellent business management skills for the negotiation of product prices.
  • To be thorough and pay attention to detail.
  • To have a flexible approach to work.
  • A good level of math knowledge for building financial plans.
  • To have active listening and interpersonal skills.
  • An outstanding understanding and knowledge of accounting and economics associated with financial markets and products.

Appley Bridge Financial Advice Services

Financial Advice Tasks Appley Bridge

There is a range of services which can be provided by your local Appley Bridge financial advisor including personal protection, bereavement benefit advice, annuities, financial advice services, unit trusts in Appley Bridge, savings advice, personal financial planning, ISA's, annuity purchase, cash flow modelling, life assurance in Appley Bridge, pension reviews in Appley Bridge, long term care fee planning, corporate financial planning, personal pensions advice, pension plans, retirement plans, independent financial advice, pension consolidation, investment consolidation, divorce financial planning, will writing services Appley Bridge, mortgage advice, stakeholder pensions, money planning, saving for children, inheritance tax planning, income protection in Appley Bridge, critical illness cover in Appley Bridge, investment reviews, and lots more. Listed are just a selection of the tasks that can be conducted by a financial advisor. Appley Bridge professionals will be delighted to keep you abreast of their whole range of services.


Financial Advisors Near Appley Bridge

Also find: Shevington financial advisers, Aspull financial advisers, Haigh financial advisers, Standish financial advisers, Lower Standish financial advisers, Wrightington financial advisers, Standish Low Ground financial advisers, Shevington Moor financial advisers, Blackrod financial advisers, Whelley financial advisers, Roby Mill financial advisers, Dalton financial advisers, Up Holland financial advisers, Marylebone financial advisers, Red Rock financial advisors and more. The majority of these areas are catered for by local financial advisers. Appley Bridge residents can get financial advice price quotes by clicking here.

Appley Bridge Financial Advice Services

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Financial Advice Enquiries in Appley Bridge Lancashire (01257)
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Financial Advisors Around Appley Bridge: Households in Hall Lane, Vale Close, Coronet Close, Greenslate Avenue, Greaves Close, Hullet Close, Rookery Avenue, Abbey Dale, Highgate Crescent, Runshaw Avenue, Ash Close, Dingle Avenue, Ruecroft Close, The Grove, Dawber Delph, Ashfield Terrace, Finch Lane, Whitehall Avenue, Stoneygate Lane, Beech Tree Avenue, Millbank, Back Skull House Lane, Appley Close, Beacon View, have needed financial advice just recently. Financial advisors have also been active in these local Appley Bridge postcodes: WN6 9RJ, WN6 9ER, WN6 9AR, WN6 9AL, WN6 9ZP, WN6 9SH, WN6 9WY, WN6 9DX, WN6 9PL, WN6 9AB. Folks in these areas recently needed help from a financial advisor. Appley Bridge residents enjoyed competent and top quality financial services on every occasion.

More Appley Bridge Services: Obviously, whenever you happen to be looking at your finances in Appley Bridge, Lancashire, you'll likely need all types of different services and as well as a financial advisor in Appley Bridge, Lancashire, you might also need property law & conveyancing in Appley Bridge, investment advisors in Appley Bridge, mortgage brokers in Appley Bridge, accountants in Appley Bridge, will writing in Appley Bridge, tax preparation in Appley Bridge, debt recovery & collection in Appley Bridge, business financial planning in Appley Bridge, business consulting in Appley Bridge, estate planning in Appley Bridge, payroll services in Appley Bridge, family lawyers in Appley Bridge, mortgage advice in Appley Bridge, contracts lawyers in Appley Bridge, banruptcy lawyers in Appley Bridge, bookkeepers in Appley Bridge, solicitors in Appley Bridge, and other different Appley Bridge experts.

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Financial Advisor Jobs Appley Bridge: View financial advisor jobs near Appley Bridge here: Financial Advisor Jobs Appley Bridge

Independent financial advisor in WN6 area, 01257.

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(This financial advisor Appley Bridge page was successfully updated on 28-06-2022)