Financial Advisor Atherton

Atherton Independent Financial Advice & Investment

Financial Advisor Atherton Greater Manchester (M46): If you're in search of financial advice for the first time, trying to find a first-rate financial advisor advisor in Atherton can be a challenging experience. Whether you're searching for investments, mortgage, pensions or even insurance guidance, all financial advisors have one thing in common; they must all adhere to the regulations set by the Financial Conduct Authority. This comes with some guarantees, thus after getting advice from a FCA approved financial advisor in Atherton, you can seek recompense from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if if things go awry.

Free Atherton Financial Advisor Quotes

Family and friends recommendations can be a good starting point in choosing a financial advisor in Atherton, but bear in mind that their circumstances could be different to the type of advice you are looking for. Not every financial advisor is suitable for everyone, and their advice needs to be adapted to your particular circumstances. To explore the options they're offering and find a financial advisor you can trust and feel comfortable with, it is wise to talk with at least 3 different firms, because after all selecting a financial advisor is a major decision.

Financial Advisor Atherton Greater Manchester (M46)

Restricted advisors and independent financial advisors (IFA), are the two main types of financial advisor in Atherton. Offering a broader range of options, an IFA will not be restricted to the products or services of just one provider. Independent financial advice should cover the full gamut of financial products and companies, and should be given in an unbiased way. Using an independent financial advisor should enable you to choose between the broadest possible range of products. A restricted advisor may be limited to products and services from a particular provider, or might even focus on a single product, as may be the case with a mortgage advisor.

The FCA requires that any Atherton financial advisor must discuss their charges with you, before taking you on as a client. Although it varies in accordance with the type of service or product you're looking for, there could be a set fee, an hourly rate, or you could even be charged a slice of what you're investing. A free initial consultation might be offered, so you can discuss your aims and circumstances to find out if the advisor is a good fit. If you go to one of the bigger Atherton firms, your account could be managed by a team of advisors rather than just one individual.

Financial Advisors Atherton UK (01942)

You'll be asked to fill out a "Fact Find" document, which is a confidential disclosure form relating your objectives and financial situation to the advising company. You should also be handed an Initial Disclosure Document, or Key Facts Document, which provides you with information about the financial advisor, their situation for offering restricted or independent advice and the scope of their permissions in the financial arena. This document will also set down your rights and the possible options you can take if you are not satisfied with the service, and would like to complain. It should be easy to understand, written in plain language, and describe exactly what you're committing yourself to, together with the benefits and risks of taking the proffered advice. The Key Facts Document must also inform you of the allowed cooling-off period. This allows you to cancel your contract within a specific time period, and whenever any penalty charges have to be paid.

You need to check the experience and qualifications of the financial advisor the first time you talk to them. Don't be embarrassed about asking these questions, after all you are about to entrust your financial future to their skill. Every financial advisor in Atherton must present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. If your advisor's name doesn't appear on the Financial Services Register, you shouldn't freak out, the firm the individual works for should be found on the register and their personnel are all covered by the regulations. If they are unable to supply these accreditations, the person can't offer advice but is able to offer financial guidance. Guidance isn't subject to regulations in the same way as financial advice, meaning that if mistakes arise the client won't have any recourse.

Financial Advisor Quotes in Atherton Greater Manchester

You'll be asked about the level of risk you're ready to take on, if you are seeking advice on investments. Higher rewards may be possible with high risk investments, but you stand a greater chance of losing all or some of your funds. In order to get the most effective financial and investment advice, your savings objectives will need 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. You should invariably ask yourself the one vital question, how much can you really afford to lose. Known as your capacity for loss, this will very likely affect the services and products that you are offered.

Financial Advice Near Atherton Greater Manchester

From the outset, it is imperative that you let your financial advisor know about any existing mortgages, savings, regular outgoing payments or investments that you currently have. This will provide a full and clear picture of your financial circumstances, and without this the advice you are given may not be the most appropriate for you. Good financial advice should allow for diversifying your savings and investments by spreading the risk load across various products. A certified financial advisor in Atherton will have the knowledge of the best products to consider, which match your goals and your financial situation.

Communicating in the clearest possible way, your financial advisor will throw open the complex world of finance and investment. After comparing the products and services which match your needs, you should be able to come to an informed and educated decision. You could even ask your financial advisor to only choose ethical investments and savings. This doesn't just give you investment possibilities, but also enables you to lend your support to zero carbon or green energy projects, and keep clear of businesses and companies that do not share the same values as you do.

Working alongside a financial advisor in Atherton can be difficult to manage around work and other responsibilities. Face-to-face meetings can be backed up with phone calls and video conferencing to enable you to get advice at times that suit you. A competent financial advice provider in Atherton will have rigorous measures in force to keep your details secure and confidential, even if you never have a face-to-face meeting with your personal advisor, because home and remote working is now so common.


The value of your investments could go down as well as up, and this is a factor that you must always remember. If it happens that your investment is not making the amount of money you hoped for, it can be an extremely demoralising and stressful time. Regrettably, a downward spiraling of your investment is not a recognised cause for complaint, unless of course it is because of misleading or wrong information from your advisor.

Independent Financial Advisor Near Atherton (M46)

The company's complaints procedure should be the starting place for any disputes, and the Key Facts Document will explain this. You can tell the Financial Ombudsman about the issue if it is unresolved within the time-frame laid down by the regulating authority, and the financial advisor is registered with the Financial Conduct Authority.

The Financial Ombudsman will make a ruling after independently reviewing the cause for complaint. If it's established that the complaint is justified, a decision is made on how the client can be financially compensated. The advisor and their company must comply with any decision that's made, which becomes legally binding as soon as the client has agreed to it. Any compensation fixed by the Ombudsman will also take into consideration any upset, inconvenience, trouble and distress caused to the client during the situation.

Book a Financial Advisor in Atherton UK

Financial advice can be provided in Atherton and also nearby in: Lostock, Westhoughton, Higher Folds, Platt Bridge, Bickershaw, Gin Pit, Chew Moor, Hindley Green, Dobb Brow, Tyldesley, Little Hulton, Over Hulton, Chequerbent, Daisy Hill, Westleigh, together with these postcodes M46 0HG, M46 0BJ, M46 0GG, M46 0LX, M46 0BW, M46 0JA, M46 0LU, M46 0LZ, M46 0GU, M46 0HT. Locally based Atherton financial advisers will likely have the phone code 01942 and the postcode M46. Checking this will confirm you are accessing local financial advisers. Atherton homeowners are able to utilise these and various other related services. Simply click the "enquiry" form or banner to get specifics of financial advisors in your location.

Atherton Financial Advice Services

Financial Advice Tasks Atherton

There is a range of services that can be provided by your local Atherton financial advisor including savings advice, trustee investment services in Atherton, ISA's Atherton, trusts, life assurance, mutual funds Atherton, mortgage advice, investment consolidation Atherton, will writing services, equity release advice, family income benefit, general financial planning in Atherton, money planning, wealth management, critical illness cover, offshore investment advice, annuity purchase, business planning, divorce financial planning Atherton, ethical investments in Atherton, corporate bonds Atherton, investing an inheritance, business protection in Atherton, cash flow modelling, long term care fee advice, financial planning, death benefits, pension plans Atherton, personal protection in Atherton, tax advice, and more. Listed are just a selection of the activities that can be conducted by a financial advisor. Atherton professionals will keep you informed about their full range of services.

Regular Duties for a Financial Advisor

  • A financial advisor works with colleagues to gather trends, statistics and market information.
  • A financial advisor provides consultation, education and counselling with regards to finances and investments.
  • A financial advisor makes deals with with financial product providers.
  • A financial advisor meets targets for sales and performance.
  • A financial advisor keeps up to date with legislation changes and new products.
  • A financial advisor researches financial products and explains them simply and clearly to customers.
  • A financial advisor updates clients regarding their investments.
  • A financial advisor maintains detailed records of potential clients and transactions.
  • A financial advisor chats with customers regarding their plans and finances.
  • A financial advisor produces financial reports.

Financial Advisors Near Atherton

Also find: Lostock financial advisers, Westleigh financial advisers, Daisy Hill financial advisers, Platt Bridge financial advisers, Bickershaw financial advisers, Hindley Green financial advisers, Little Hulton financial advisers, Westhoughton financial advisers, Dobb Brow financial advisers, Chequerbent financial advisers, Higher Folds financial advisers, Gin Pit financial advisers, Tyldesley financial advisers, Chew Moor financial advisers, Over Hulton financial advisors and more. Most of these villages and towns are serviced by local financial advisers. Atherton residents can get financial advice estimates by going here.

Atherton Financial Advice Services

Find a Financial Advisor in Atherton Here
Financial Advice Enquiries in Atherton Greater Manchester (01942)
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Financial Advisors Around Atherton: Financial advisors were recently requested by people living in Gretna Road, Durban Street, Maple Avenue, School Street, Railway Street, Somerset Road, Elmfield Avenue, Wood Street, Colwyn Grove, Miller's Lane, Car Bank Street, South View, Russell Street, Fletcher Street, Cromer Drive, Johnson Street, Cross Street, Coniston Avenue, Murray Street, Willow Street, White Lee Croft, Lee Street, Nelson Street, Denbigh Grove, Hindles Close, Hampson Street, Sumner Street and these Atherton postcodes: M46 0HG, M46 0BJ, M46 0GG, M46 0LX, M46 0BW, M46 0JA, M46 0LU, M46 0LZ, M46 0GU, M46 0HT. People in these areas recently needed the help of a financial advisor. Atherton residents enjoyed the benefits of dependable and high quality financial services on every occasion.

To obtain local Atherton information check here

Independent financial advisor in M46 area, and dialling code 01942.

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(This financial advisor Atherton content was successfully updated on 28-06-2022)