Financial Advisor Ashton-in-Makerfield

Ashton-in-Makerfield Independent Financial Advice & Investment

Financial Advisor Ashton-in-Makerfield Greater Manchester (WN4): It can be a daunting experience trying to locate a first-rate financial advisor advisor in Ashton-in-Makerfield, especially if it is the very first time that you're needing financial advice. Whether you're searching for investments, mortgage, pensions or even insurance advice, all qualified financial advisors are bound by one simple rule; they all have to stick to the regulations of the Financial Conduct Authority. Any advice given from a FCA authorised financial advisor in Ashton-in-Makerfield comes with certain guarantees that if anything should 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

A good starting place when picking a financial advisor in Ashton-in-Makerfield can be neighbours and friends, but keep in mind that the type of advice you're searching for may be different to theirs. Their advice needs to be adapted to your particular situation, and every financial advisor isn't suitable for everyone. Selecting the right financial advisor is crucial and it is wise to speak with at least three different companies so as to explore the various options they provide, and to find one that you can trust and feel comfortable with.

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

There are two main types of financial advisor in Ashton-in-Makerfield; independent financial advisors and restricted advisors. Offering a more extensive range of options, an independent financial advisor will not be limited to just one company's services and products. Independent financial advice should cover the whole spectrum of financial products and companies, and should be offered in an unbiased way. If you choose to use an independent financial advisor, you'll be able to select from the broadest possible array of products, in order to find the right solution for you. A restricted financial advisor may be limited to services and products from one particular firm, or may even focus on one particular product, as in the case of a mortgage advisor.

The Financial Conduct Authority demands that any Ashton-in-Makerfield financial advisor must be fully transparent with you about their charges, before taking you on as a client. You could be charged a set fee, by the hour or maybe even a percentage of your investment, dependant upon type of service you require. A free first consultation could be offered, so that you can discuss your objectives and circumstances to find out if the advisor is a good fit. If you go to one of the bigger Ashton-in-Makerfield companies, your account could be managed by a team of advisors rather than just one individual.

Financial Advisors Ashton-in-Makerfield UK (01942)

You will need to fill out a "Fact Find" document, which is a confidential disclosure form relating your financial situation and aims to the advising company. A Key Facts or Initial Disclosure Document will also be given to you, to provide information about the financial advisors themselves, detailing their range of permissions in the financial market and their status to offer independent or restricted advice. If you are not satisfied with the service, and wish to submit a complaint, this document should also lay down your own rights and the options you can take. It should be easy to understand, written in plain language, and outline precisely what you're signing up for, along with the risks and benefits of taking the proffered advice. You can find the level of cooling-off period in this document. This permits you to have a change of heart within a certain time period, and cancel your contract with the financial advisor.

The very first time you're speaking to your financial advisor make sure you check what qualifications and experience they have. Asking these questions should never cause you any embarrassment, because you are entrusting them with your long-term financial wellbeing. Every Ashton-in-Makerfield financial advisor must be able to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. When you check the Financial Services Register, you should not stress if your specific financial advisor's name doesn't appear on there; you ought to be able to find the company name, and that means the regulations covers all of their advisors. The person can still offer financial guidance rather than advice, if these cannot be presented. Guidance is not subject to regulations in the way that financial advice is, meaning that if errors arise neither party will have any recourse.

Financial Advisor Quotes in Ashton-in-Makerfield Greater Manchester

If you are seeking advice on investments you'll be asked the level of risk you're comfortable with. Most investments carry some degree of risk, but higher risk investments could offer bigger rewards, but also more chance of losing some or all of your funds. In order to get the most beneficial investment and financial advice, your savings objectives will have to be given careful consideration, i.e. how quickly you need to access your funds, how much cash you want to invest and long or short term investments. "How much money can you actually afford to lose?" Is the one crucial question that you should really be asking yourself. Commonly called your capacity for loss, this will very likely affect the services and products that you're offered.

Financial Advice Near Ashton-in-Makerfield Greater Manchester

If you have already got any existing investments, regular outgoing payments, savings or mortgage loans, you must let your financial advisor know about these. To ensure that you receive the best advice for you, they need to have a clear and full picture of your finances. Good financial advice should allow for diversifying your investments and savings by spreading the risk load across different products. A competent financial advisor in Ashton-in-Makerfield will be aware of the best products to consider, which reflect your financial situation and your goals.

Communicating in the plainest speech possible, your financial advisor will unveil the complex world of finance and investment. You should be able to come to an informed and considered decision when you have compared the various services and products that meet your needs. If you're mind is firmly on the environment, you could maybe ask your financial advisor to stick to ethical savings and investment schemes. You can then steer clear of businesses that corporations meet your requirements, but instead support those companies and businesses that address your concerns, for instance zero carbon or renewable energy.

It is not always easy to have a close working relationship with a financial advisor in Ashton-in-Makerfield without this impacting on your work day and other obligations. To allow you to seek advice at a time to suit you, face-to-face appointments can be backed up with telephone calls and video conferencing. Working from home and remote working is now commonplace, and a professional financial advice provider in Ashton-in-Makerfield will have stringent measures in force to ensure your details are kept confidential and secure, even if you hardly ever have a face-to-face meeting with your advisor.


You need to bear in mind that the financial world is a volatile sector, and investment values can just as easily fall as well as rise. It can be quite frustrating and worrying if your investment isn't making as much money as you were hoping for. A downward spiral in your investment is not seen as a basis for complaint, unless your advisor has supplied you with misleading or incorrect information.

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

The company's official complaints procedure should be the place to start with any disputes, and the Key Facts Document should clarify this. If the issue is unresolved within the time period laid down by the regulating body, and the financial advisor is a member of the Financial Conduct Authority, you can advise the Financial Ombudsman.

After reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. A decision will be made on how to financially compensate the customer, if the complaint is justified. On acceptance by the customer, the decision will become a legally binding one, and the advisor and their firm must abide by it. The Ombudsman will also take into account any distress, inconvenience, upset and trouble caused to the customer during the process, and establish the level of compensation accordingly.

Book a Financial Advisor in Ashton-in-Makerfield UK

Financial advice can be provided in Ashton-in-Makerfield and also in nearby places like: Bickershaw, Golborne, Haresfinch, Blackbrook, Newton-le-Willows, New Boston, Marus Bridge, Garswood, Billinge, Edge Green, Barnfurlong, Haydock, Stubshaw Cross, Wigan, Winstanley, Bryn, as well as in these postcodes WN4 0QJ, WN4 0PY, WN4 0QE, WN4 0LJ, WN4 0SL, WN4 0SA, WA11 9RZ, WN4 0XR, WN4 0XJ, WN4 0QW. Local Ashton-in-Makerfield financial advisers will likely have the dialling code 01942 and the postcode WN4. Checking this should ensure you access local financial advisers. Ashton-in-Makerfield homeowners can utilise these and numerous other comparable services.

Pension Planning

Towards a secure retirement, pension planning takes an important role. By engaging a financial advisor's services, one can witness a notable enhancement of this process. Designing a personalised pension strategy, a knowledgeable advisor will assess your current financial situation and understand your retirement goals. They navigate the intricacies of the UK's pension choices, such as workplace pensions, the State Pension, and self-invested personal pensions. To make informed decisions about contributions, tax implications and investment choices, you can take full advantage of their expertise. Working with a financial advisor in Ashton-in-Makerfield leads to the creation of an effective pension plan, providing financial stability and peace of mind for your future.

At the heart of UK pension planning is the State Pension, a government-backed scheme that provides a basic level of retirement income. Eligibility for the State Pension is normally based on an individual's National Insurance record, which is built up over their working life. However, changes to the State Pension age and the number of qualifying years needed have made understanding the intricacies of this scheme more important than ever before. (42316)

Everyday Tasks for a Financial Advisor

  • Financial advisors provide consultation, education and counselling with regards to investments and finances.
  • Financial advisors meet performance and sales targets.
  • Financial advisors research financial products and explain them clearly and simply to their customers.
  • Financial advisors update customers regarding their investments.
  • Financial advisors keep abreast of regulation changes and new financial products.
  • Financial advisors speak to clients regarding their plans and finances.
  • Financial advisors produce in-depth financial reports.
  • Financial advisors keep a record of transactions and customers.
  • Financial advisors thrash out advantageous deals with with financial product providers.
  • Financial advisors work in collaboration with their peers to collect trends, statistics and market information.

Ashton-in-Makerfield Financial Advice Services

Financial Advice Tasks Ashton-in-Makerfield

There are a whole host of services which can be provided by your local Ashton-in-Makerfield financial advisor including bereavement benefits, pension reviews Ashton-in-Makerfield, family income benefit, pensions in divorce, mortgage services, income protection in Ashton-in-Makerfield, portfolio management, will writing services, cash flow modelling, investment bonds, trustee investment services Ashton-in-Makerfield, familt controlled trusts, unit trusts in Ashton-in-Makerfield, saving for children, corporate bonds Ashton-in-Makerfield, bridging finance, ethical investments in Ashton-in-Makerfield, divorce planning, annuity purchases, pension advice, annuities, inheritance tax planning Ashton-in-Makerfield, general financial planning, equity release Ashton-in-Makerfield, pension consolidation advice, stakeholder pension advice, investing an inheritance, critical illness cover, money planning, corporate financial planning in Ashton-in-Makerfield, and lots more. Listed are just some of the activities that can be accomplished by a financial advisor. Ashton-in-Makerfield professionals will inform you of their entire range of services.


Financial Advisors Near Ashton-in-Makerfield

Also find: Haresfinch financial advisors, Blackbrook financial advisors, Bickershaw financial advisors, Marus Bridge financial advisors, Bryn financial advisors, Edge Green financial advisors, Barnfurlong financial advisors, Stubshaw Cross financial advisors, Winstanley financial advisors and more. Financial advisers are available for consultation services in practically all of these villages and towns. People in the region can make enquiries about financial advice by clicking here.

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 Cashflow Analysis
  • Ashton-in-Makerfield Investment Advice
  • Ashton-in-Makerfield Pension Advice
  • Ashton-in-Makerfield Retirement Planning
  • Ashton-in-Makerfield Cheap Financial Advice
  • Ashton-in-Makerfield Life Insurance Advice
  • Ashton-in-Makerfield Mortgage Advice
  • Ashton-in-Makerfield Tax Advice
  • Ashton-in-Makerfield Estate Planning
  • Ashton-in-Makerfield Wealth Management
  • Ashton-in-Makerfield Trustee Investments
  • Ashton-in-Makerfield Corporate Financial Planning
  • Ashton-in-Makerfield Financial Advice Quotes

Financial Adviser Jobs Ashton-in-Makerfield: Find financial adviser jobs near Ashton-in-Makerfield by going here: General Financial Advisor Jobs

If you're interested in local Ashton-in-Makerfield information check here

Independent financial advisor in WN4 area, telephone code 01942.

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(This financial advisor Ashton-in-Makerfield information was reviewed and updated on 20-02-2024)