Financial Advisor Ashton-under-Lyne

Ashton-under-Lyne Independent Financial Advice & Investment

Financial Advisor Ashton-under-Lyne Greater Manchester (OL6): If you're in search of financial advice for the first time, trying to find a good independent financial advisor in the Ashton-under-Lyne area can be a daunting experience. Whether you're looking for pensions, investments, mortgage or even insurance advice, all professional financial advisors have one thing in common; they all have to observe the regulations laid down by the Financial Conduct Authority. Any advice given by a FCA certified financial advisor in Ashton-under-Lyne comes with certain guarantees that should things go awry, you can contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Free Ashton-under-Lyne Financial Advisor Quotes

Recommendations from relatives and friends can be a decent starting point in picking a financial advisor in Ashton-under-Lyne, but remember that their needs may be different to what you're looking for. Any advice they provide should be personalised to your unique circumstances, and not every financial advisor is suitable for everyone. To explore the various options they're offering and find a financial advisor you can trust and feel comfortable with, it is a good idea to speak with at least three different firms, because choosing a financial advisor is an important decision.

Financial Advisor Ashton-under-Lyne Greater Manchester (OL6)

Independent financial advisors and restricted advisors, are the 2 principal kinds of financial advisor in Ashton-under-Lyne. The benefit of seeing an IFA is that they will not be limited to the services and products of a single company, and can offer a broader range of options. Covering the entire gamut of financial companies and products, independent financial advice must be given in an unbiased and impartial way to clients. This enables you to select from the widest possible range of services to match your needs. A restricted financial advisor might be focused on an individual product, as with a mortgage advisor, or be restricted to services and products from a particular provider.

The FCA demands that any financial advisor in Ashton-under-Lyne must be transparent about their charges, before taking you on as a client. Although it can vary based on the type of service you're interested in, there could be a set fee, an hourly rate, or you might even be charged a slice of the money you are investing. A free initial consultation may be offered, so that you can discuss your aims and situation to see if the advisor is a good fit. Your account may be handled by a team as opposed to one individual advisor, if you opt to go with one of the larger Ashton-under-Lyne companies.

Financial Advisors Ashton-under-Lyne UK (0161)

You will be required to complete a "Fact Find" document, which is a confidential disclosure form relating your aims and financial situation to the advising firm. A Key Facts Document, or Initial Disclosure Document will also be handed to you, to provide information about the financial advisors themselves, outlining the extent of their permissions in the financial arena and their status to offer restricted or independent advice. This document will also set down your own legal rights and the options you can take if you are not satisfied with the service provided, and wish to submit a complaint. It should detail precisely what you're signing up for, and any possible benefits and risks that exist if you decide to take the offered advice, and it should be written in plain English. You'll find the level of cooling-off period in the Key Facts Document. This allows you to cancel the contract with your financial advisor within a certain period of time, and whenever any penalty charges have to be paid.

The first time you are speaking to the financial advisor make sure you check what qualifications and experience they've got. Asking such questions should never cause you any embarrassment, because after all you're entrusting them with your long-term financial wellbeing. Every financial advisor in Ashton-under-Lyne must be in a position to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. If your advisor's name doesn't appear on the Financial Services Register, don't stress, the firm the individual works for will almost certainly be on the register and their personnel are all covered by the legislation. If they are unable to provide these accreditations, the individual cannot offer advice but is able to offer financial guidance. Guidance is different to advice as it's not regulated in the same way, and if financial errors occur there will likely be no recourse to the client.

Financial Advisor Quotes in Ashton-under-Lyne Greater Manchester

You'll be asked the amount of risk you are willing and able to accept, if you are seeking advice on investing money. Many investments carry some element of risk, but higher risk investments could offer bigger rewards, and also more chance of losing your funds. In order to get the most beneficial financial and investment advice, your savings objectives will have to be taken into account, i.e. short or long term investments, how rapidly you need access to your funds and how much you wish to invest. The one question that you should ask yourself, which is normally ignored, is just how much you can afford to lose. This is generally known as your capacity for loss and may well influence the products and services that could be offered for your consideration.

Financial Advice Near Ashton-under-Lyne Greater Manchester

You should let your financial advisor know about your current savings accounts, regular outgoings, investments or mortgages. To ensure that you receive the most suitable advice for you, they need a full and clear picture of your financial circumstances. Spreading the risk across various different products by diversifying your savings and investments, is something that reliable financial advice should embrace. A seasoned financial advisor in Ashton-under-Lyne will be aware of the best areas to consider, which reflect your goals and your financial situation.

Your financial advisor will communicate in as plain a speech as possible, to reveal the multifaceted world of finance. This will help you to compare services and products which match your needs, and come to an informed decision. You can perhaps ask your advisor to only include ethical investment and savings schemes. This doesn't just give you investment possibilities, but also enables you to support green energy or zero carbon projects, and avoid companies and businesses that don't share the same values that you do.

Having constant interactions with a financial advisor in Ashton-under-Lyne could create complications with work and other commitments. This can be reduced by supplementing one-on-one meetings with phone calls and video conferencing, thus allowing you to seek the advice you need at times that are convenient. Home and remote working is now so common, and an experienced financial advice company in Ashton-under-Lyne will have stringent measures in force to keep your details secure and confidential, even if you rarely have an in-person meeting with your advisor.


You need to bear in mind that the financial sector can be volatile, and investment values can just as easily go down as well as up. If your investment fails to make as much money as you were hoping for, it can be incredibly frustrating and stressful. A downward trend in your investment isn't seen as a basis for complaint, unless your financial advisor has given you misleading or wrong information.

Independent Financial Advisor Near Ashton-under-Lyne (OL6)

As indicated in the Key Facts Document, any grievances should commence with the firm's complaints procedure. If the issue is unsolved within the period laid down by the regulating authority, and the advisor is a member of the FCA, you can notify the Financial Ombudsman.

After looking into the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. If it is found that the complaint is legitimate, a decision will be made on how the client can be compensated. This becomes legally binding as soon as it has been accepted by the client, and the advisor and their firm must comply with the ruling. Any compensation laid down by the Financial Ombudsman will also take into account any inconvenience, distress, trouble and annoyance caused to the client during the situation.

Book a Financial Advisor in Ashton-under-Lyne UK

Financial advice can be provided in Ashton-under-Lyne and also in nearby places like: Ridge Hill, Dukinfield, Hurst, Failsworth, Copley, Hyde, Droylsden, Waterloo, Limehurst, Taunton, Stalybridge, Mossley, Bardsley, Audenshaw, Newton, Littlemoss, Millbrook, Heyrod, Lees, and in these postcodes OL6 0DQ, OL6 6NE, OL6 6HZ, OL6 6JJ, OL6 0FB, OL6 6AR, OL6 6HP, OL6 0AN, OL6, OL6 6EN. Local Ashton-under-Lyne financial advisors will most likely have the telephone dialling code 0161 and the postcode OL6. Checking this will confirm you access local financial advisers. Ashton-under-Lyne home and business owners will be able to benefit from these and numerous other comparable services.

Pension Planning

A secure retirement is achieved through the vital process of pension planning. Engaging a financial advisor's services can significantly enhance this process. A competent advisor will assess your current financial circumstances, understand your retirement goals, and design a customised pension plan. Workplace pensions, the State Pension, and SIPPs are among the UK pension choices they navigate with complexities. By leveraging their expertise, informed decisions about tax implications, investment choices and contributions can be made. Working with a financial advisor in Ashton-under-Lyne is key to creating a solid pension plan, providing peace of mind and financial stability for your future.

At the heart of UK pension planning is the State Pension, a government-backed scheme that provides a standard level of retirement income. Your eligibility for the State Pension will generally depend on how many National Insurance contributions you have made over your working life. It is now more essential than ever to understand the complexities of the State Pension scheme, due to changes to the State Pension age and the number of qualifying years required. (42316)

Daily Duties for a Financial Advisor

  • Updating customers concerning their investments.
  • Keeping up to date with new products and legislation changes.
  • Keeping a record of potential customers and transactions.
  • Making advantageous deals with with providers of financial products.
  • Speaking with customers about their plans and finances.
  • Providing counselling, consultation and education regarding investments and finances.
  • Working in collaboration with associates to collect trends, market information and statistics.
  • Recommending the financial products that are best-suited to clients.
  • Meeting performance and sales targets.
  • Producing financial reports.

Ashton-under-Lyne Financial Advice Services

Financial Advice Tasks Ashton-under-Lyne

There are a number of different services that are provided by your local Ashton-under-Lyne financial advisor including bridging finance, investment bonds, ethical investment advice, ISA's Ashton-under-Lyne, inheritance tax planning, investment consolidation advice, annuities Ashton-under-Lyne, critical illness cover, equity release advice, investment planning, cashflow analysis, mutual funds, stakeholder pensions, saving for children, savings advice, personal pensions advice, portfolio management in Ashton-under-Lyne, general financial planning Ashton-under-Lyne, trustee investment services in Ashton-under-Lyne, life insurance advice Ashton-under-Lyne, familt controlled trusts in Ashton-under-Lyne, wealth management & investments, business protection, financial advice services in Ashton-under-Lyne, divorce planning, unit trusts Ashton-under-Lyne, money planning, pension planning in Ashton-under-Lyne, pensions in divorce, cheap financial advice in Ashton-under-Lyne, and lots more. These are just some of the activities that can be carried out by a financial advisor. Ashton-under-Lyne professionals will inform you of their entire range of financial services.

Essential Skills for a Financial Advisor

  • To be target driven.
  • Effective business management skills for the negotiation of product prices.
  • Good verbal communication skills.
  • To be good at promoting services and products.
  • To have good IT skills.
  • Effective customer service skills for determining customer requirements and needs.
  • A competent level of math knowledge for producing financial plans.
  • An excellent understanding and knowledge of accounting and economics with regard to financial products and markets.
  • To be thorough and pay attention to detail.
  • To have the ability to network and establish solid relationships with customers.
  • To have the ability to listen attentively

Financial Advisors Near Ashton-under-Lyne

Also find: Waterloo financial advisors, Limehurst financial advisors, Ridge Hill financial advisors, Millbrook financial advisors, Bardsley financial advisors, Copley financial advisors, Hurst financial advisors, Littlemoss financial advisors, Newton financial advisors, Heyrod financial advisors and more. Pretty much all of these locations are served by local financial advisors. Business and home owners in these localities can make enquiries about financial advice by clicking here.

Ashton-under-Lyne Financial Advice Services

Find a Financial Advisor in Ashton-under-Lyne Here
Financial Advice Enquiries in Ashton-under-Lyne Greater Manchester (0161)
  • Ashton-under-Lyne Cheap Financial Advice
  • Ashton-under-Lyne Corporate Financial Planning
  • Ashton-under-Lyne Life Insurance Advice
  • Ashton-under-Lyne Tax Advice
  • Ashton-under-Lyne Estate Planning
  • Ashton-under-Lyne Mortgage Advice
  • Ashton-under-Lyne Wealth Management
  • Ashton-under-Lyne Retirement Planning
  • Ashton-under-Lyne Independent Financial Advice
  • Ashton-under-Lyne Financial Services
  • Ashton-under-Lyne Cashflow Analysis
  • Ashton-under-Lyne Trustee Investments
  • Ashton-under-Lyne Investment Advice
  • Ashton-under-Lyne Inheritance Advice

Financial Adviser Jobs Ashton-under-Lyne: Find financial advisor jobs near Ashton-under-Lyne here: Financial Advisor Jobs Ashton-under-Lyne

To obtain local info regarding Ashton-under-Lyne, Greater Manchester check here

Independent financial advisor in OL6 area, 0161.

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