Financial Advisor Ashton-under-Lyne

Ashton-under-Lyne Independent Financial Advice & Investment

Financial Advisor Ashton-under-Lyne Greater Manchester (OL6): Finding a decent independent financial advisor in Ashton-under-Lyne can be an intimidating experience, particularly if you are needing financial advice for the first time. Whether you are looking for mortgage, investments, pension or even insurance advice, all qualified financial advisors are bound by one simple rule; they must all follow the regulations laid down by the FCA (Financial Conduct Authority). Any advice given through a FCA approved financial advisor in Ashton-under-Lyne comes with the guarantee that if anything should go wrong, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman.

Free Ashton-under-Lyne Financial Advisor Quotes

Recommendations from friends and neighbours can be a decent starting place in choosing a financial advisor in Ashton-under-Lyne, but remember that their circumstances may be different to what you are looking for. Not every financial advisor is suitable for everyone, and their advice needs to be personalised to your unique circumstances. To explore the various options they can provide and find a financial advisor you can trust and feel comfortable with, it is wise to speak with at least three different firms, because after all picking a financial advisor is a major decision.

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

When you're looking to pick a financial advisor in Ashton-under-Lyne, there are basically 2 principal types; restricted advisors and independent financial advisors. Offering a wider range of options, an IFA should not be limited to a single provider's products and services. Covering the whole gamut of financial companies and products, independent financial advice must be offered in an honest and unbiased way to clients. Using an IFA should allow you to choose from the broadest possible range of products. If you use a restricted advisor you'll find that they might be restricted to services and products of a specific firm, or as with a mortgage advisor, might only be concerned with one individual product.

The Financial Conduct Authority requires that any financial advisor must discuss their charges with you, before accepting you as a client. Although it can vary based on the type of product or service you are looking for, there could be an hourly rate, a set fee, or you may even be charged a percentage of what you are investing. A free initial consultation will sometimes be offered, so that you can discuss your aims and situation to find out if the advisor is the right fit. Your account might be managed by a team as opposed to a single advisor, if you opt to go with one of the larger companies in Ashton-under-Lyne.

Financial Advisors Ashton-under-Lyne UK (0161)

You'll be required to fill in a "Fact Find" document, which is a confidential disclosure form relating your targets and financial situation to the advising company. You'll also be handed a Key Facts Document, or Initial Disclosure Document, which gives you information regarding the financial advisor, their status to offer restricted or independent advice and the extent of their permissions in the financial arena. This document will also lay out your own rights and the options you can take if you're not satisfied with the service provided, and want to complain. It should detail precisely what you're committing yourself to, and any possible risks and benefits if you choose to take the advice offered, and it must be written in plain language. This document must also inform you of the allowed cooling-off period. This makes it possible for you to cancel the contract within a certain time period, and if any penalties have to be paid.

You need to check the qualifications and experience of your financial advisor when you first speak to them. You needn't be self-conscious about asking such questions, after all you're on the verge of entrusting your financial future to their skill. Every financial advisor in Ashton-under-Lyne must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. You don't need to worry if your advisor's name doesn't appear on the Financial Services Register, so long as the firm is listed on the register, their personnel will be covered by the legislation. If they are not able to provide these accreditations, the person can't offer advice but is allowed to offer financial guidance. Guidance is somewhat different to advice as it's not regulated, and if mistakes occur there may be no recourse to either party.

Financial Advisor Quotes in Ashton-under-Lyne Greater Manchester

If it's investments that you are interested in, the advisor will want to know the amount of risk you are ready to take on with your hard-earned money. Most investments carry some element of risk, but high risk investments could offer larger rewards, but also more likelihood of losing your money. Your savings objectives should be carefully considered if good investment and financial advice is to be given, i.e. how much you have to invest, how rapidly you need access to your funds and long or short term investments. The one question that you should ask yourself, which is often neglected, is how much you can really afford to lose. This could affect the products and services that could be offered for your consideration, and is commonly called your capacity for loss.

Financial Advice Near Ashton-under-Lyne Greater Manchester

If you have already got any existing mortgages, personal savings, investments or regular payments, you should let your financial advisor know about these. This will give a full and clear picture of your financial situation, without which the advice you get may not be the most suitable for you. The diversification of your investments and savings by spreading the risk load across a number of different products, is a vital part of sound financial advice. A qualified financial advisor in Ashton-under-Lyne will understand the best products to consider, which reflect your goals and your financial situation.

A financial advisor will unveil the complex world of finance, and communicate in the clearest possible way. This will help you to compare products and services which match your needs, and come to an informed decision. If you're mind is firmly on the environment, you could perhaps ask your financial advisor to stick to ethical investments and savings. This will allow you to give your support to organisations and firms that address your concerns, i.e. zero carbon or green energy, or perhaps keeping away from businesses that do not meet your requirements.

Having a close working relationship with a financial advisor in Ashton-under-Lyne could cause complications with work and other responsibilities. To allow you to get advice at a time to suit you, face-to-face meetings can be backed up with video conferencing and phone calls. Working from home and remote working is now commonplace, and a professional financial advice firm in Ashton-under-Lyne will have stringent measures in place to ensure your details are kept confidential and secure, even if you never have a one-on-one meeting with your personal advisor.


The value of your investments could drop as well as rise, and this is a factor that you must always keep in mind. It can be extremely demoralising and worrying if your investment isn't making the amount of money you hoped for. Regrettably, a downward spiral in your investment isn't seen as a basis for complaint, unless it's due to incorrect or misleading information from your advisor.

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

The firm's official complaints procedure should be the place to start with any disputes, and the Key Facts Document will explain this. You can inform the Financial Ombudsman of the issue if it is unresolved within the time period laid down by the regulating authority, and the advisor is registered with the FCA.

The Financial Ombudsman will look into the cause of the complaint and make a ruling. A decision will be made on how to financially compensate the client, if the complaint is upheld. This will become a legally binding decision as soon as it has been agreed on by the customer, and the financial advisor and their firm must comply with the decision. Any compensation set by the Financial Ombudsman will also account for any distress, upset, inconvenience and hassle caused to the customer 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: Stalybridge, Waterloo, Limehurst, Newton, Hurst, Dukinfield, Millbrook, Droylsden, Mossley, Hyde, Audenshaw, Failsworth, Littlemoss, Taunton, Heyrod, Ridge Hill, Copley, Bardsley, Lees, and in these postcodes OL6 6JJ, OL6 6JE, OL6 0AN, M34 5HW, OL6 0SG, OL6 0DR, OL5 0XA, OL6 6AB, OL6 0AD, OL6 0EH. Locally based Ashton-under-Lyne financial advisors will probably have the postcode OL6 and the telephone dialling code 0161. Checking this out will confirm that you access locally based financial advisers. Ashton-under-Lyne property owners are able to utilise these and countless other similar services.

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 equity release, inheritance tax planning, general financial planning, corporate financial planning, familt controlled trusts, financial planning, trustee investment services, offshore investments Ashton-under-Lyne, independent financial advice, portfolio management Ashton-under-Lyne, financial services Ashton-under-Lyne, bridging finance, cash flow modelling in Ashton-under-Lyne, pension planning, annuities, pension plans, personal protection, business protection, divorce planning in Ashton-under-Lyne, pension reviews, pensions in divorce, pension transfers, business financial planning, family income benefit, money planning, tax planning, retirement planning, income protection advice, investment consolidation advice, pension drawdowns, and more. Listed are just an example of the activities that can be conducted by a financial advisor. Ashton-under-Lyne professionals will be happy to inform you of their full range of services.

Greater Manchester Financial Advice Enquiries

Greater Manchester Financial Advice Enquiries

The latest Greater Manchester financial advice enquiries: Brooklyn and Jasmin Pilkington from Cheadle Hulme recently enquired about family income benefit. Nelly Meakin and Marcel Meakin from Saddleworth recently enquired about getting financial advice. Kiana Biggs from Little Lever, Greater Manchester recently asked for information on life assurance. Arianna Stacey from Irlam, Greater Manchester recently enquired about pension advice. Kane Britton and Yasmine Britton from Norden recently asked for information on equity release. Flynn Cowell and Daisie Cowell from Orrell recently asked for information on mortgages. Phoebe and Hugh Emmerson from Worsley recently enquired about pension advice. Asher Galloway from Cheadle, Greater Manchester recently enquired about offshore investments. All these local people did a search for "financial advisor Greater Manchester" and came across this web page on Google or some similar search engine.

Skills Needed to be a Financial Advisor

  • A competent level of numeracy for creating financial packages.
  • To be able to network and establish solid relationships with clients.
  • To be target driven.
  • To have the ability to listen attentively
  • Good customer service skills for establishing client needs.
  • Effective management skills for the negotiation of product fees.
  • An excellent understanding of accounting and economics with regard to financial products and markets.
  • Excellent skills in verbal communication.
  • The ability to sell financial products and services.
  • To have excellent IT skills.
  • To pay attention to detail and be thorough.

The Day to Day Tasks for a Financial Advisor

  • Financial advisors speak with clients about their plans and finances.
  • Financial advisors update customers about their investments.
  • Financial advisors produce in-depth financial reports.
  • Financial advisors keep up to date with new products and legislation changes.
  • Financial advisors provide education, consultation and counselling with regards to investments and finances.
  • Financial advisors work together with associates to gather statistics, market information and trends.
  • Financial advisors keep a record of customers and transactions.
  • Financial advisors meet targets for performance and sales.
  • Financial advisors research financial products and explain them simply and clearly to their customers.
  • Financial advisors thrash out advantageous deals with with providers of financial products.

Financial Advisors Near Ashton-under-Lyne

Also find: Failsworth financial advisers, Droylsden financial advisers, Waterloo financial advisers, Taunton financial advisers, Limehurst financial advisers, Copley financial advisers, Stalybridge financial advisers, Littlemoss financial advisers, Ridge Hill financial advisers, Mossley financial advisers, Lees financial advisers, Millbrook financial advisers, Dukinfield financial advisers, Newton financial advisers, Audenshaw financial advisers, Hyde financial advisers, Hurst financial advisers, Bardsley financial advisers, Heyrod financial advisors and more. Most of these villages and towns are covered by local financial advisers. Ashton-under-Lyne residents can get financial advice price quotes by going 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 Retirement Advice
  • Ashton-under-Lyne Pension Advice
  • Ashton-under-Lyne Cheap Financial Advice
  • Ashton-under-Lyne Tax Advice
  • Ashton-under-Lyne Financial Advice Quotations
  • Ashton-under-Lyne Financial Services
  • Ashton-under-Lyne Inheritance Advice
  • Ashton-under-Lyne Mortgage Advice
  • Ashton-under-Lyne Trustee Investments
  • Ashton-under-Lyne Cashflow Analysis
  • Ashton-under-Lyne Financial Advice
  • Ashton-under-Lyne Corporate Financial Planning
  • Ashton-under-Lyne Life Insurance Advice
  • Ashton-under-Lyne Estate Planning

Financial Advisors Around Ashton-under-Lyne: Financial advisors were recently necessary for people living in Alton Close, Broadoak Road, Beaufort Road, Taunton Road, Burgess Avenue, Crompton Street, Surrey Street, Staveleigh Mall, Sycamore Crescent, South Street, Sydney Street, Atlas Street, Derby Road, Cavendish Place, Denbigh Street, Sunnyside Grove, Campden Street, Bowman Crescent, Booth Street, Crown Hill, Brook Street East, Cemetery Road, Calf Lane, The Elms, Ashlynne, Tudor Close, Arlies Street, Stamford Street, Downshaw Road, Cheshire Street and these Ashton-under-Lyne postcodes: OL6 6JJ, OL6 6JE, OL6 0AN, M34 5HW, OL6 0SG, OL6 0DR, OL5 0XA, OL6 6AB, OL6 0AD, OL6 0EH. People living in these local areas recently required the help of a financial advisor. Ashton-under-Lyne residents benefited from trusted and dependable financial services on each occasion.

If you need local info on Ashton-under-Lyne, Greater Manchester go here

Independent financial advisor in OL6 area, 0161.

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(This financial advisor Ashton-under-Lyne content was edited and updated on 06-05-2022)