Financial Advisor Ashton-in-Makerfield

Ashton-in-Makerfield Independent Financial Advice & Investment

Financial Advisor Ashton-in-Makerfield Greater Manchester (WN4): If you're in search of financial advice for the very first time, trying to find a decent independent financial advisor in the Ashton-in-Makerfield area can be a challenging experience. However, all qualified financial advisors have one thing in common; they all have to stick to the regulations set by the FCA (Financial Conduct Authority), whether you are looking for mortgage, pensions, investments or even insurance guidance. Any advice given through a FCA authorised financial advisor in Ashton-in-Makerfield comes with the guarantee that should anything go awry, you can get in touch with the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Free Ashton-in-Makerfield Financial Advisor Quotes

Relatives and friends recommendations can be a decent starting place in picking a financial advisor in Ashton-in-Makerfield, but keep in mind that their situation might be different to what you're looking for. Every financial advisor isn't suitable for everybody, and their advice should be tailored to your specific circumstances. It pays to talk to at least 3 different firms when you're considering a financial advisor, since this is a major decision, and you will be looking to find one that you can trust and feel comfortable with, and investigate the various options they offer.

Financial Advisor Ashton-in-Makerfield Greater Manchester (WN4)

There are two main kinds of financial advisor in Ashton-in-Makerfield; restricted advisors and independent financial advisors (IFA). Offering a wider range of options, an IFA should not be limited to a single 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. If you opt to use an independent financial advisor, you will be able to select from the broadest possible range of services, so as to find the ideal solution for your needs. A restricted advisor could be limited to products and services from a single company, or might even concentrate on a specific product, as may be the case with a mortgage advisor.

Before taking you on as a client, any financial advisor in Ashton-in-Makerfield must be fully transparent with you about their charges, as required by the Financial Conduct Authority. Based upon the type of service you're looking for, you could be charged a set fee, by the hour or even a specific percentage of your investment. To enable you to discuss your goals and see if the advisor is a good fit for your circumstances, you may be offered a free first consultation. Your account might be handled by a team as opposed to one individual advisor, if you decide to use one of the bigger companies in Ashton-in-Makerfield.

Financial Advisors Ashton-in-Makerfield UK (01942)

To describe your financial situation and targets to the advising firm, you'll have to complete a "Fact Find" document, which is a confidential disclosure form. To provide information regarding the financial advisor, their status to offer independent or restricted advice and the extent of their permissions in the financial arena, you will also be given a Key Facts or Initial Disclosure Document. If you are not happy with the service, and wish to submit a complaint, this document will also set down your own legal rights and the possible options you can take. It must be written in plain language and detail what you're committing yourself to, and any potential risks and benefits that exist if you choose to take the advice offered. The allowed cooling-off period should also be explained in this document. This permits you to have a change of heart within a specific time frame, and cancel the contract with your financial advisor.

You need to check what qualifications and experience the financial advisor has the first time you speak to them. After all you are on the verge of entrusting your financial future to their expertise, so you shouldn't be self-conscious about asking these questions. A Level 4 qualification in financial advice is the minimum required qualification for any financial advisor in Ashton-in-Makerfield, and they must also be able to present an annual Statement of Professional Standing. Don't worry if your particular advisor's name does not show up on the Financial Services Register, so long as the firm is on the register, their employees will be covered by the legislation. If they are unable to supply this proof, the individual can't offer advice but can offer financial guidance. Guidance is somewhat different to advice as it is not regulated, and if financial mistakes are made there will probably be no recourse to either party.

Financial Advisor Quotes in Ashton-in-Makerfield Greater Manchester

If you are seeking advice on investments you'll be asked about the amount of risk you are ready and able to take on. Most investments carry some degree of risk, but higher risk investments could offer substantial rewards, and also more chance of losing some or all of your funds. In order to get the most beneficial investment and financial advice, your savings aims will have to be taken into account, i.e. long or short term investments, how quickly you need access to your money and how much you have to invest. You must invariably ask yourself the one important question, how much money can you truly afford to lose. Generally known as your 'capacity for loss', this will quite likely have an effect on products and services that you are offered.

Financial Advice Near Ashton-in-Makerfield Greater Manchester

You'll want to let your financial advisor know about any current regular outgoings, investments, savings or mortgages. This will provide a clear and full picture of your current financial situation, and without this the advice given will most likely not be the most suitable for you. The diversification of your savings and investments by spreading the risk load across different products, is a crucial part of good quality financial advice. An experienced financial advisor in Ashton-in-Makerfield will be aware of the best areas to consider, which reflect your goals and your financial situation.

Communicating in in the simplest terms possible, your financial advisor will lay bare the complex world of finance and investment. This will enable you to compare services and products that match your needs, and come to an informed decision. If the environment is important to you, you could perhaps ask that ethical investment and savings schemes take precedence. This will allow you to give your support to organisations and companies that address your concerns, i.e. zero carbon or green energy, or perhaps avoiding corporations that do not meet your standards.

Working closely with your financial advisor in Ashton-in-Makerfield can be tricky to manage around your work life and other commitments. This can be reduced by supplementing one-on-one meetings with video conferencing and telephone, thus allowing you to seek the advice you need at convenient times. An established financial advice firm in Ashton-in-Makerfield will have strict measures in force to keep your details secure and confidential, even if you rarely have a face-to-face meeting with your advisor, because home and remote working is now so common.


Investments can be an unpredictable area, and values could go down as easily as they go up. If it just so happens that your investment fails to make as much money as you were hoping for, it can be an extremely disheartening and stressful time. However, except if it's owing to misleading or wrong information from your advisor a downward spiraling of your investment isn't seen as a basis for complaint.

Independent Financial Advisor Near Ashton-in-Makerfield (WN4)

The firm's complaints procedure should be the starting place for any disputes, and the Key Facts Document should discuss this. If the matter remains unsolved within the time period set by the regulating authority, and the advisor is registered with the FCA, you can contact the Financial Ombudsman.

After looking into 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 customer, if the complaint is justified. This becomes a legally binding decision as soon as it has been accepted by the customer, and the advisor and their firm must abide by the decision. Any compensation set by the Financial Ombudsman will also take into consideration any annoyance, hassle, distress and inconvenience caused to the customer during the dispute.

Book a Financial Advisor in Ashton-in-Makerfield UK

Financial advice can be provided in Ashton-in-Makerfield and also in nearby places like: Golborne, Haydock, Billinge, Garswood, Bickershaw, Newton-le-Willows, Winstanley, Barnfurlong, Edge Green, Bryn, New Boston, Stubshaw Cross, Blackbrook, Haresfinch, Wigan, Marus Bridge, as well as in these postcodes WN4 0DT, WN4 0ER, WN4, WA11 9SB, WN4 0EA, WN4 0QA, WN4 0BZ, WN4 0QL, WA11 9SA, WN4 0DY. Local Ashton-in-Makerfield financial advisors will probably have the telephone code 01942 and the postcode WN4. Click the "enquiry" banner to get info on financial advisors in your area.

Ashton-in-Makerfield Financial Advice Services

Financial Advice Tasks Ashton-in-Makerfield

There is a range of services that are provided by your local Ashton-in-Makerfield financial advisor including pension advice in Ashton-in-Makerfield, cashflow analysis, investment planning, bridging finance, trusts Ashton-in-Makerfield, long term care fee planning, tax financial planning, wealth management & investments, retirement plans, offshore investments, divorce financial planning, corporate bonds in Ashton-in-Makerfield, unit trusts, annuity purchase, pension transfer advice, corporate financial planning, cheap financial advice, pension reviews, independent financial advice, inheritance tax planning in Ashton-in-Makerfield, investment advice Ashton-in-Makerfield, stakeholder pensions, will writing services in Ashton-in-Makerfield, general financial planning Ashton-in-Makerfield, annuities, and more.


Financial Advisors Near Ashton-in-Makerfield

Also find: Bickershaw financial advisors, Bryn financial advisors, Edge Green financial advisors, Haydock financial advisors, Blackbrook financial advisors, Garswood financial advisors, Wigan financial advisors, Haresfinch financial advisors, Stubshaw Cross financial advisors, New Boston financial advisors, Golborne financial advisors, Winstanley financial advisors, Billinge financial advisors, Marus Bridge financial advisors, Newton-le-Willows financial advisors, Barnfurlong financial advisors and more.

Ashton-in-Makerfield Financial Advice Services

Find a Financial Advisor in Ashton-in-Makerfield Here
Financial Advice Enquiries in Ashton-in-Makerfield Greater Manchester (01942)
  • Ashton-in-Makerfield Financial Services
  • Ashton-in-Makerfield Tax Advice
  • Ashton-in-Makerfield Corporate Financial Advice
  • Ashton-in-Makerfield Cashflow Analysis
  • Ashton-in-Makerfield Life Insurance Advice
  • Ashton-in-Makerfield Mortgage Advice
  • Ashton-in-Makerfield Trustee Investments
  • Ashton-in-Makerfield Cheap Financial Advice
  • Ashton-in-Makerfield Wealth Management
  • Ashton-in-Makerfield Financial Advice Quotes
  • Ashton-in-Makerfield Pension Advice
  • Ashton-in-Makerfield Inheritance Advice
  • Ashton-in-Makerfield Estate Planning
  • Ashton-in-Makerfield Independent Financial Advice

More Ashton-in-Makerfield Services: Needless to say, whenever you're looking at your finances in Ashton-in-Makerfield, Greater Manchester, you are likely to need all sorts of different services and aside from a financial advisor in Ashton-in-Makerfield, Greater Manchester, you could additionally need accountants in Ashton-in-Makerfield, business financial planning in Ashton-in-Makerfield, estate planning in Ashton-in-Makerfield, solicitors in Ashton-in-Makerfield, business consulting in Ashton-in-Makerfield, tax preparation in Ashton-in-Makerfield, payroll services in Ashton-in-Makerfield, contracts lawyers in Ashton-in-Makerfield, property law & conveyancing in Ashton-in-Makerfield, family lawyers in Ashton-in-Makerfield, wills & probate in Ashton-in-Makerfield, banruptcy lawyers in Ashton-in-Makerfield, investment advisors in Ashton-in-Makerfield, mortgage advice in Ashton-in-Makerfield, debt recovery & collection in Ashton-in-Makerfield, bookkeeping in Ashton-in-Makerfield, mortgage brokers in Ashton-in-Makerfield, and other different Ashton-in-Makerfield experts.

Financial Advisors Around Ashton-in-Makerfield: Some Ashton-in-Makerfield areas and streets where financial advice has recently been given - Verne Walk, York Street, Brooklands Avenue, York Road, Rock Street, Dove Street, Sycamore Avenue, Chelmarsh Avenue, Branson Close, Hepworth Close, Wigan Road, Hereford Close, Ramsey Close, Kilburn Avenue, Ash Street, Cleveland Drive, Farefield Avenue, Gerard Street, Thompson Street, Harvey Lane, Strand Avenue, Upland Drive, Woodfield Crescent, North Street, Trent Road, Malvern Close, Edge Green Street, Rushmoor Avenue, Slaidburn Crescent, as well as these Ashton-in-Makerfield area postcodes: WN4 0DT, WN4 0ER, WN4, WA11 9SB, WN4 0EA, WN4 0QA, WN4 0BZ, WN4 0QL, WA11 9SA, WN4 0DY.

Financial Advisor Jobs Ashton-in-Makerfield: Find financial advisor jobs in Ashton-in-Makerfield by going here: Ashton-in-Makerfield Financial Advisor Jobs

To read local information regarding Ashton-in-Makerfield, Greater Manchester click here

Independent financial advisor in WN4 area, and dialling code 01942.

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