Financial Advisor Ashton-under-Lyne Greater Manchester (OL6 and OL7): It can be a daunting experience trying to find a good financial advisor advisor in the Ashton-under-Lyne area, especially if it's the very first time that you're seeking financial advice. Nevertheless, all financial advisors have one thing in common; they must all adhere to the regulations laid down by the Financial Conduct Authority, whether you are after pensions, mortgage, investment or even insurance advice. This comes with various guarantees, so after getting advice from a FCA approved financial advisor in Ashton-under-Lyne, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if something should go awry.
Recommendations from friends and relatives can be a decent starting place in picking a financial advisor in Ashton-under-Lyne, but bear in mind that their situation may be different to what you are looking for. Any advice they provide should be personalised to your unique situation, and not every financial advisor is suitable for everyone. Picking the right financial advisor is crucial and it pays to speak to at least three different companies in order to check out the options they can offer, and to find one you can trust and feel comfortable with.
There are 2 principal types of financial advisor in Ashton-under-Lyne; restricted advisors and independent financial advisors (IFA). An independent financial advisor will not be limited to a single company's services and products. Independent financial advice should be provided in an impartial and unbiased way and should cover the entire gamut of financial products and companies. If you elect to use an IFA, you will be able to select from the broadest possible range of products, so as to find the right solution for your needs. A restricted financial advisor might be tied to services and products from one particular firm, or might even focus on a particular product, as may be the case with a mortgage advisor.
The Financial Conduct Authority requires 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 upon the type of service or product you are interested in, there could be a set fee, an hourly rate, or you could even be charged a percentage of the money you are investing. A free initial consultation could be offered, so that you can discuss your goals and circumstances to determine whether the advisor is the right fit. Your account may be managed by a team rather than a single advisor, if you opt to go to one of the bigger Ashton-under-Lyne firms.
Before any actual advice is handed out you'll have to fill in a confidential disclosure form, called a "Fact Find" document, which tells the advising company about your financial situation and ambitions. You will also be handed a Key Facts Document, or Initial Disclosure Document, which provides you with information regarding the financial advisor, their situation for offering restricted or independent advice and their range of permissions in the financial sector. If you're not happy with the service provided, and wish to complain, this document should also lay down your rights and the possible options you can take. It should describe precisely what you're committing yourself to, and any possible risks and benefits that exist should you choose to accept the offered advice, and it has to be laid out in plain English. You will find the amount of cooling-off period in this document. Within a specific number of days, this permits you to cancel the agreement with your financial advisor.
Ensure that you check what experience and qualifications the financial advisor has the first time you speak to them. After all you are just about to entrust your financial future to their skill, so you shouldn't be self-conscious about asking such questions. All Ashton-under-Lyne financial advisors must hold at least a Level 4 qualification and present an annual Statement of Professional Standing. If your advisor's name doesn't appear on the Financial Services Register, you shouldn't panic, the firm the individual works for will almost certainly be on the register and their employees are all covered by the legislation. If these can't be presented the individual may still offer financial guidance instead of advice. Guidance is somewhat different to advice as it is not regulated, and if financial blunders occur there will probably be no recourse to the client.
If you're looking for advice on investments you will be asked about the level of risk you're ready to take on. High risk investments may potentially offer larger rewards, however some or all of your money could be lost. Your savings aims should be taken into account if decent investment and financial advice is to be given, i.e. how rapidly you need access to your funds, how much cash you want to invest and short or long term investments. One question you should ask of yourself, which is normally ignored, is just how much you can really afford to lose. This could influence the services and products that you're offered, and is sometimes referred to as your 'capacity for loss'.
If you've already got any current mortgage loans, personal savings, investments or regular payments, you have to tell your financial advisor about these. To make certain that you get the most suitable advice for you, they need a full and clear picture of your financial situation. Spreading the risk across a number of different products by diversifying your investments and savings, is something that sound financial advice should allow for. Having an understanding of the best areas to consider, a professional financial advisor will concentrate on products that fit in with your goals and financial situation.
Communicating in the clearest way possible, your financial advisor will lay bare the complex world of finance and investment. After comparing the various products and services that meet your needs, you should be in a position to make an informed and intelligent decision. You can ask your financial advisor only to include ethical savings and investment schemes. This does not just give you investment possibilities, but also allows you to support zero carbon or renewable energy projects, and steer clear of businesses and companies that do not share the same values as you.
Working closely with a financial advisor in Ashton-under-Lyne can be challenging to fit in around your work day and other obligations. To allow you to seek advice at a time to suit you, one-on-one appointments can be backed up with phone calls and video conferencing. Home and remote working is now so common, and any competent financial advice firm in Ashton-under-Lyne will have strict measures in force to keep your details secure and confidential, even if you never have a one-on-one meeting with your advisor.
You must always keep in mind that the financial sector can be a volatile one, and the value of your investments can just as easily go down as well as up. If your investment isn't making as much money as you hoped for, it can be quite disheartening and stressful. Sadly, a downward spiral in your investment isn't a recognised cause for complaint, unless it is due to misleading or incorrect information from your financial advisor.
Any disputes should start with the company's official complaints procedure as described in the Key Facts Document. You can tell the Financial Ombudsman about the situation if it is unresolved within the timeframe stipulated by the regulating body, and your financial advisor is registered with the FCA.
The Financial Ombudsman will independently review the cause of the complaint and make a ruling. If it is established that the complaint is justified, a decision is made on how the customer can be compensated or the situation rectified. Once agreed on by the client, the ruling becomes legally binding, and the financial advisor and their firm must comply with it. Any compensation laid down by the Financial Ombudsman will also take into consideration any hassle, inconvenience, upset and distress caused to the client during the situation.
Financial advice can be provided in Ashton-under-Lyne and also in nearby places like: Bardsley, Littlemoss, Lees, Taunton, Dukinfield, Hurst, Audenshaw, Hyde, Copley, Failsworth, Mossley, Newton, Waterloo, Ridge Hill, Stalybridge, Droylsden, Limehurst, Millbrook, Heyrod, as well as in these postcodes OL6 0DL, OL6 6AT, OL6 6LY, OL6 6HF, OL6 0AW, OL6 0DP, OL6 0FN, OL6 0FL, M34 5TW, OL6 6DL. Local Ashton-under-Lyne financial advisers will likely have the postcode OL6 and OL7 and the telephone code 0161. Click on the "enquiry" banner or form to get info on financial advisors in your area.
Financial Advice Enquiries Greater Manchester
Current Greater Manchester financial advice enquiries: Mr and Mrs Wilde from Tottington, Greater Manchester recently asked for information on equity release. Atticus Whelan from Audenshaw recently enquired about pension advice. Nel Sanderson from Summit, Greater Manchester recently enquired about financial planning. Patricia and Gabrielius Middleton from Delph recently asked for information on investment bonds. Tobias Sewell from Hawkshaw, Greater Manchester recently enquired about investment bonds. Octavia Armour from Kearsley, Greater Manchester recently enquired about offshore investments. Remy and Beth Leek from Shaw and Crompton recently asked for information on mortgages. Aliza Sayers from Greenfield recently asked for information on mortgages.
Ashton-under-Lyne Financial Advice Services
There are a whole host of services which are provided by your local Ashton-under-Lyne financial advisor including family income benefit, annuities Ashton-under-Lyne, retirement advice, corporate bonds, investment plans in Ashton-under-Lyne, financial services Ashton-under-Lyne, mortgage advice in Ashton-under-Lyne, trustee investment services, mutual funds Ashton-under-Lyne, cash flow modelling, pension planning Ashton-under-Lyne, offshore investment advice in Ashton-under-Lyne, investment bonds, income protection in Ashton-under-Lyne, ISA's, pension advice Ashton-under-Lyne, cheap financial advice, pension consolidation advice Ashton-under-Lyne, inheritance tax planning, pension reviews, divorce financial planning, investment planning, corporate financial planning, business financial planning, will writing services, and more.
Financial Advisors Near Ashton-under-Lyne
Also: Hurst financial advisors, Newton financial advisors, Waterloo financial advisors, Millbrook financial advisors, Mossley financial advisors, Bardsley financial advisors, Copley financial advisors, Droylsden financial advisors, Heyrod financial advisors, Limehurst financial advisors, Ridge Hill financial advisors, Lees financial advisors, Hyde financial advisors, Dukinfield financial advisors, Littlemoss financial advisors, Stalybridge financial advisors, Failsworth financial advisors, Audenshaw financial advisors, Taunton and more.
- Ashton-under-Lyne Retirement Advice
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- Ashton-under-Lyne Trustee Investments
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- Ashton-under-Lyne Independent Financial Advice
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- Ashton-under-Lyne Life Insurance Advice
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Financial Advisors Around Ashton-under-Lyne: Some Ashton-under-Lyne roads where financial advice has recently been given - Ashbourne Drive, Ashlynne, The Larches, Brooklands Close, Alfred Street, Church Lane, The Knoll, Shadows Mews, Bentinck Street, Sheard Avenue, Claybank Terrace, Thornfield Terrace, Burgess Avenue, Cemetery Road, Thornfield Grove, Bradbury Street, St Johns Gardens, Tame View, Saxon Street, Countess Street, Stamford Square, Coniston Grove, Crown Street, Albion Street, Alt Grove, Bennett Street, Bury Street, Bank Top, Darnton Gardens, as well as these local Ashton-under-Lyne postcodes: OL6 0DL, OL6 6AT, OL6 6LY, OL6 6HF, OL6 0AW, OL6 0DP, OL6 0FN, OL6 0FL, M34 5TW, OL6 6DL.
More Greater Manchester Financial Advisors: More Urmston, Altrincham, Droylsden, Middleton, Wigan, Gatley, Ashton-in-Makerfield, Hindley, Golborne, Bolton, Stockport, Cheadle Hulme, Chadderton, Manchester, Ashton-under-Lyne, Walkden, Sale, Salford, Dukinfield, Heywood, Bury, Leigh, Rochdale, Farnworth, Whitefield, Denton, Radcliffe, Hyde, Horwich, Eccles, Stretford, Irlam, Romiley, Royton, Westhoughton, Atherton, Stalybridge, Swinton and Oldham.:
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Independent financial advisor in OL6 and OL7 area, phone code 0161.
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