Financial Advisor Atherton Greater Manchester (M46): If you are seeking financial advice for the first time, trying to locate a decent independent financial advisor in the Atherton area can be an intimidating experience. However, all financial advisors are bound by one common rule; they must all stick to the regulations set by the Financial Conduct Authority, regardless of whether you are looking for pension, investment, mortgage or even insurance advice. Any advice given from a FCA certified financial advisor in Atherton comes with certain guarantees that if anything should go wrong, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.
A decent starting point when picking a financial advisor in Atherton could be friends and relations, but keep in mind that the sort of advice you are searching for could be different to theirs. Their advice needs to be tailored to your unique circumstances, and every financial advisor is not suitable for everyone. It is a good idea to talk with at least 3 different firms when you are considering a financial advisor, since this is an important decision, and you will be looking to find one that you feel comfortable with and can trust, and also check out the various options they offer.
Restricted advisors and independent financial advisors, are the 2 principal kinds of financial advisor in Atherton. Offering a wider range of options, an independent financial advisor will not be restricted to the services and products of a single company. Covering the whole gamut of financial products and companies, independent financial advice should be offered in an unbiased and impartial way to clientele. Consulting an IFA should allow you to choose from the widest possible range of products. A restricted advisor may be limited to services and products from a single provider, or may even concentrate on one particular product, as you might find with a mortgage advisor.
Before accepting you as a client, any financial advisor must be transparent about their charges, as required by the FCA. Dependant upon the kind of services you are interested in, you could be charged by the hour, a set fee or maybe even a slice of your investment value. A free first consultation could be offered, so you can discuss your goals and circumstances to determine whether the advisor is a good fit. If you go to one of the larger Atherton companies, your account could be looked after by a team of advisors rather than one individual.
Before any financial advice is given you'll need to fill out a confidential disclosure document, called a "Fact Find" form, which tells the advising company about your financial situation and goals. To provide information regarding the financial advisor, their status to offer independent or restricted advice and the scope of their permissions in the financial sector, you will also be given a Key Facts or Initial Disclosure Document. Your own legal rights should also be laid out in this document, in addition to the possible options you can take if you want to make a complaint because you're not happy with the service you're given. It should describe what you're committing yourself to, and any possible risks and benefits should you opt to accept the advice offered, and it should be set down in plain language. This document will also inform you about the allowed cooling-off period. Within a certain number of days, this allows you to cancel your contract.
When speaking to the financial advisor the very first time ensure that you check their qualifications and experience. Do not be self-conscious about asking these questions, after all you're on the verge of entrusting your financial future to their skill. A Level 4 qualification is the minimum required qualification for any Atherton financial advisor, and they also have to be able to provide you with an annual Statement of Professional Standing. When checking the Financial Services Register, you shouldn't stress if your specific advisor's name doesn't appear on there; you should be able to locate the firm name, and that means the regulations covers all of their staff. If they're unable to supply this proof, the person cannot offer advice but only financial guidance. Guidance differs to advice as it is not regulated in the same way, and if mistakes occur there will likely be no recourse to the client.
You'll be asked about the level of risk you're ready to take on, if you are seeking advice on investing money. Larger rewards might be possible with high risk investments, however you stand a greater chance of losing some or all of your money. Your savings objectives will need to be considered if decent financial and investment advice is to be given, i.e. how rapidly you need access to your funds, short or long term investments and how much you wish to invest. You should always ask yourself the one vital question, how much money can you actually afford to lose. Sometimes referred to as your capacity for loss, this will most likely have an effect on products and services that you're offered.
If you've already got any current savings, mortgage loans, regular outgoings or investments, you need to tell your financial advisor about these. To make certain that you get the most appropriate advice for you, they need to gather a clear and full picture of your financial circumstances. The diversification of your investments and savings by spreading the risk across different products, is a crucial part of sound financial advice. Having an understanding of the best areas to consider, a certified financial advisor will favour products that most closely match your goals and financial situation.
Communicating in the clearest way possible, your financial advisor will unmask the multifaceted world of finance and investment. You should be in a position to make an informed decision when you have learned about the various products and services which meet your needs. If environmental issues are at the forefront of your mind, you could ask that ethical savings and investment schemes take precedence. This will allow you to support businesses and firms which address your concerns, e.g. green energy or zero carbon, or perhaps staying away from firms that don't meet your standards.
Working alongside your financial advisor in Atherton can be challenging to fit in around work and other commitments. To enable you to seek advice at a time to suit you, face-to-face meetings can be backed up with video conferencing and telephone calls. Even if you rarely have a face-to-face meeting with your advisor, a competent financial advice firm in Atherton will have strict measures in place to keep your details confidential and secure, because working from home and remote working is now so common.
The value of your investments can fall as well as rise, and this is a factor that you must always keep in mind. If it happens that your investment is not making the amount of money you were hoping for, it can be a stressful and demoralising time. However, unless it's owing to incorrect or misleading information from your advisor a downward spiral in your investment is not a recognised grounds for complaint.
As indicated in the Key Facts Document, any grievances should start out with the firm's complaints procedure. If your financial advisor is a member of the FCA, you can tell the Financial Ombudsman about the issue if it remains unsolved within the time-frame laid down by the regulating authority.
The Financial Ombudsman will come to a decision after independently reviewing the cause for complaint. If it is found that the complaint is justified, a decision will be made on how the customer can be compensated or the situation rectified. The financial advisor and their company must abide by any decision that's made by the Ombudsman, which becomes legally binding once the client has agreed to it. Any compensation laid down by the Financial Ombudsman will also take into consideration any upset, hassle, inconvenience and distress caused to the client during the situation.
Financial advice can be provided in Atherton and also in nearby places like: Higher Folds, Little Hulton, Bickershaw, Chequerbent, Westleigh, Lostock, Daisy Hill, Gin Pit, Platt Bridge, Westhoughton, Over Hulton, Tyldesley, Chew Moor, Hindley Green, Dobb Brow, as well as in these postcodes M46 0LD, M46 0NP, M46 0FP, M46 0HY, M46 0NT, M46 0GS, M46 0NN, M46 0LE, M46 0NH, M46 0BN. Local Atherton financial advisers will likely have the dialling code 01942 and the postcode M46.
A Financial Advisor's Everyday Duties
- Working together with peers to gather trends, market information and statistics.
- Keeping detailed records of potential transactions and customers.
- Negotiating with financial product providers.
- Speaking with customers regarding their plans and finances.
- Keeping fully abreast of law changes and new financial products.
- Updating customers regarding their investments.
- Providing consultation, counselling and education with regards to investments and finances.
- Researching financial products and explaining them clearly and simply to customers.
- Meeting sales and performance targets.
- Producing comprehensive financial reports.
The Skills and Knowledge Needed to be Financial Advisors
- To have the ability to network and establish relationships with customers.
- Attentive listening and interpersonal skills.
- Outstanding skills in verbal communication.
- To have the ability to use a computer and the principal software applications.
- An excellent level of maths knowledge for building financial strategies.
- To have a flexible work ethic.
- To be thorough and pay attention to detail.
- To be good at promoting products and services.
- A solid knowledge and understanding of accounting and economics with regard to financial products and markets.
- Excellent management skills for the negotiation of product prices.
- Good customer service skills for determining client needs and requirements.
Financial Advice Enquiries Greater Manchester
Latest Greater Manchester financial advice enquiries: Mr and Mrs Mills from Hattersley recently asked for information on family income benefit. Jeremy Drinkwater from Simister, Greater Manchester recently asked for information on financial planning. Mr and Mrs Olivier from Tottington, Greater Manchester recently asked for information on financial planning. Ana Keeling and Ryan Keeling from Blackrod recently enquired about investment bonds. Mason Whiteley from Dukinfield, Greater Manchester recently enquired about getting financial advice. Arnold and Anwen Schmidt from Hawkshaw, Greater Manchester recently enquired about getting financial advice. Dominic Wale from Greenfield, Greater Manchester recently enquired about offshore investments. Mr and Mrs Hadfield from Newhey recently asked for information on investment bonds.
Atherton Financial Advice Services
There are a number of different services which are provided by your local Atherton financial advisor including bridging finance, mutual funds, pension drawdowns, unit trusts, pension consolidation, pension planning Atherton, corporate financial planning in Atherton, inheritance tax planning, general financial planning, cashflow analysis in Atherton, will writing services in Atherton, portfolio management, equity release Atherton, investment advice, trusts in Atherton, divorce planning in Atherton, tax planning Atherton, trustee investment services, investment plans, offshore investment advice, stakeholder pensions, financial services, life insurance advice in Atherton, life assurance advice, income protection advice, and more.
Financial Advisors Near Atherton
Also: Lostock financial advisors, Chew Moor financial advisors, Little Hulton financial advisors, Higher Folds financial advisors, Over Hulton financial advisors, Gin Pit financial advisors, Bickershaw financial advisors, Hindley Green financial advisors, Westleigh financial advisors, Tyldesley financial advisors, Dobb Brow financial advisors, Daisy Hill financial advisors, Chequerbent financial advisors, Platt Bridge financial advisors, Westhoughton and more.
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Financial Advisors Around Atherton: Some Atherton roads where financial advice has recently been given - Oak Tree Close, Mayfield Street, Mardale Close, Dorset Road, Formby Avenue, Russell Street, Old Hall Mill Lane, Willow Street, Colliers Grove, Gibfield Park Avenue, Pike Avenue, Prosser Avenue, Bolton Road, Brook Fold, Wigan Road, Bag Lane, Hampson Street, Grafton Street, Walkdens Avenue, Princess Avenue, Freshfield Avenue, Albion Close, School Street, Crown Street, Gloucester Street, Chichester Avenue, Howe Bridge Close, Elmridge, as well as these local Atherton postcodes: M46 0LD, M46 0NP, M46 0FP, M46 0HY, M46 0NT, M46 0GS, M46 0NN, M46 0LE, M46 0NH, M46 0BN.
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Financial Adviser Jobs Atherton: View financial advisor jobs in Atherton here: Financial Advisor Jobs Atherton
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Independent financial advisor in M46 area, (dialling code 01942).
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