Financial Advisor Bangor

Bangor Independent Financial Advice & Investment

Financial Advisor Bangor Northern Ireland (BT19): Finding a decent independent financial advisor in the Bangor area can be an intimidating experience, in particular if you are seeking financial advice for the first time. Whether you're looking for investments, pension, mortgage or even insurance advice, all qualified financial advisors have one thing in common; they all have to follow the regulations of the FCA (Financial Conduct Authority). Any advice given from a FCA authorised financial advisor in Bangor comes with the guarantee that if anything should go awry, you can contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.

Free Bangor Financial Advisor Quotes

A decent starting place when picking a financial advisor in Bangor could be neighbours and friends, but remember that the kind of advice you're searching for might be different to theirs. Financial advice must be specifically tailored to your particular situation, and you'll find that some financial advisors might not be appropriate for you. Selecting a financial advisor is a big decision and it is wise to chat to at least 3 different firms in order to check out the options they can offer, and to find one you feel comfortable with and can trust.

Financial Advisor Bangor Northern Ireland (BT19)

Restricted advisors and independent financial advisors, are the 2 main types of financial advisor in Bangor. An IFA will not be confined to the products or services of just one company. Covering the full gamut of financial companies and products, independent financial advice should be given in a frank and unbiased way to customers. This will enable you to pick from the broadest range of services to suit your needs. A restricted financial advisor may be tied to products and services from one particular company, or may even focus on an individual product, as may be the case with a mortgage advisor.

Before any Bangor financial advisor accepts you as a client, they're required by the FCA to discuss their charges with you. Although it can vary subject to the kind of product or service you are looking for, there could be a set fee, an hourly rate, or you could even be charged a specific percentage of what you are investing. You might be offered a free preliminary consultation to allow you to discuss your goals and find out if the advisor is the correct fit for your situation. In some of the larger Bangor companies, you may find that your account is being managed by a team rather than an individual.

Financial Advisors Bangor UK (028)

To outline your aims and financial situation to the advising firm, you will be required to fill in a "Fact Find" document, which is a confidential disclosure form. You'll also be given a Key Facts Document, or Initial Disclosure Document, which provides you with information about the financial advisor, their status to offer restricted or independent advice and the scope of their permissions in the financial market. If you're not satisfied with the service provided, and wish to complain, this document should also set down your rights and your options. It must be easy to understand, written in layman's terms, and explain exactly what you are signing up for, together with the risks and benefits of taking the proffered advice. You can find the level of cooling-off period in the Key Facts Document. This makes it possible for you to cancel the agreement within a certain number of days, and if any penalties are incurred.

When chatting with the financial advisor for the first time make sure you check their experience and qualifications. Asking these questions should not be a cause for embarrassment, because after all you're entrusting them with your financial wellbeing. All financial advisors in Bangor must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. You should not stress if your specific advisor's name doesn't appear on the Financial Services Register, so long as the company is on the register, their advisors will be covered by the legislation. If these can't be presented the person may still offer financial guidance instead of advice. In financial terms guidance is somewhat different to advice and is not regulated. Therefore there's no recourse for either party if financial mistakes are made.

Financial Advisor Quotes in Bangor Northern Ireland

If you're needing advice on investing money you will be asked the amount of risk you're willing to take. High risk investments could potentially offer better rewards, however all or some of your capital could be lost. In order to get the most beneficial financial and investment advice, your savings goals will have to be carefully considered, i.e. how rapidly you need access to your money, how much money you want to invest and long or short term investments. "How much money can you actually afford to lose?" Is the one question that you really need to ask yourself. This may affect the products and services that could be offered for your consideration, and is called your capacity for loss.

Financial Advice Near Bangor Northern Ireland

If you already have any existing regular outgoings, mortgages, savings accounts or investments, you have to tell your financial advisor about these. They'll need this information, so that they can get a picture of your finances and give the best advice for you. Spreading the risk load across different products by diversifying your savings and investments, is something that good financial advice should allow for. With an understanding of the best areas to consider, a seasoned financial advisor will favour products that match your financial circumstances and goals.

A financial advisor will unveil the multifaceted world of finance, and communicate in as much plain speech as possible. After comparing the various products and services which match your needs, you should be in a position to make an informed and intelligent decision. If environmental issues are at the forefront of your mind, you could even ask that ethical investments and savings take top priority. You can then stay clear of investments that firms meet your requirements, and instead lend your support to those firms and enterprises that address your concerns, for instance zero carbon or green energy.

Establishing a close working relationship with a financial advisor in Bangor could create complications with your work life and other commitments. This can be reduced by supplementing one-on-one appointments with video conferencing and phone calls, therefore allowing you to get the advice you need at convenient times. Any professional financial advice firm in Bangor will have strict measures in force to ensure your details are kept secure and confidential, even if you never have a one-to-one meeting with your personal advisor, because home and remote working is no longer unusual.


You need to bear in mind that the financial sector can be unpredictable, and the value of your investments could just as easily fall as well as rise. If your investment fails to make as much money as you were hoping for, it can be very demoralising and stressful. However, except if it's owing to wrong or misleading information from your advisor a downward spiraling of your investment is not seen as a grounds for complaint.

Independent Financial Advisor Near Bangor (BT19)

The company's complaints procedure should be the starting point for any disputes, and the Key Facts Document will explain this. If the advisor is a member of the Financial Conduct Authority, you can tell the Financial Ombudsman about the matter if it is unsolved within the time period set by the regulating authority.

The Financial Ombudsman will make a ruling after reviewing the cause for complaint independently. If the complaint is justified, a decision is made on how to financially compensate the customer. This will become legally binding once it has been agreed on by the client, and the financial advisor and their company must comply with the ruling. Any distress, inconvenience, upset and trouble caused to the client during the process, will be taken into account when the Financial Ombudsman sets the level of compensation.

Book a Financial Advisor in Bangor UK

Financial advice can be provided in Bangor and also nearby in: Tal-y-bont, Llandygai, Llanberis, Caernarfon, Beaumaris, Llanllechid, Bethesda, Llandegfan, Anglesey, Menai Bridge, Bethel, Tregarth, Llanfairfechan, Abergwyngregyn, Port Penryn, and in these postcodes BT19 1GS, BT19 1EQ, BT19 1BJ, BT19 1EF, BT19 1EU, BT19 1QG, BT19 1AL, BT19 1EG, BT19 1RG, BT19 1QP. Local Bangor financial advisors will likely have the postcode BT19 and the dialling code 028. Verifying this can ensure you are accessing local financial advisers. Bangor householders will be able to benefit from these and lots of other finance related services. Simply click on the "enquiry" banner to get information on financial advisors in your location.

Financial Advice Enquiries Northern Ireland

Financial Advice Enquiries Northern Ireland

Current Northern Ireland financial advice enquiries: Manha and Otis Steele in Armagh recently enquired about equity release. Dana Griffiths in Coalisland, Northern Ireland recently enquired about financial planning. Mr and Mrs Burge from Keady, Northern Ireland recently asked for information on mortgages. Alys and Christopher Logan from Portstewart recently asked for information on mortgages. Declan Gaynor in Cookstown, Northern Ireland recently enquired about financial planning. Mr and Mrs Hartley from Annalong, Northern Ireland recently enquired about equity release. Alistair Duggan in Gilford, Northern Ireland recently asked about family income benefit. Finley Pemberton in Hillsborough, Northern Ireland recently asked for information on mortgages. All of these local people searched for "Garden Fencing Northern Ireland" and discovered this webpage on either Google, Yahoo or Bing.

A Financial Advisor's Regular Duties

  • A financial advisor recommends the financial products that are best-suited to clients.
  • A financial advisor provides education, counselling and consultation regarding investments and finances.
  • A financial advisor thrashes out advantageous deals with with providers of financial products.
  • A financial advisor maintains detailed records of potential clients and transactions.
  • A financial advisor produces in-depth financial reports.
  • A financial advisor keeps fully abreast of legislation changes and new products.
  • A financial advisor chats with customers regarding their plans and finances.
  • A financial advisor updates clients concerning their investments.
  • A financial advisor meets targets for sales and performance.
  • A financial advisor works in collaboration with colleagues to obtain statistics, trends and market information.

Bangor Financial Advice Services

Financial Advice Tasks Bangor

There is a range of services which can be provided by your local Bangor financial advisor including bridging finance, investment advice, personal financial planning, will writing services, life assurance in Bangor, personal protection Bangor, cheap financial advice, financial planning, pension transfers in Bangor, long term care fee planning in Bangor, pension consolidation advice, general financial planning, investment consolidation, trusts, critical illness cover, retirement planning in Bangor, pension planning, trustee investment services in Bangor, inheritance tax planning, investment bonds, personal pensions, pension drawdowns Bangor, investing an inheritance, pensions in divorce, family income benefit, savings advice, portfolio management, mortgage services, annuity purchases Bangor, mutual funds, and lots more. Listed are just a handful of the duties that can be accomplished by a financial advisor. Bangor professionals will inform you of their entire range of financial services.


Financial Advisors Near Bangor

Also find: Anglesey financial advisers, Llandygai financial advisers, Tregarth financial advisers, Llandegfan financial advisers, Llanfairfechan financial advisers, Bethel financial advisers, Abergwyngregyn financial advisers, Port Penryn financial advisers, Llanberis financial advisers, Caernarfon financial advisers, Llanllechid financial advisers, Menai Bridge financial advisers, Bethesda financial advisers, Beaumaris financial advisers, Tal-y-bont financial advisors and more. The majority of these areas are covered by local financial advisers. Bangor residents can get financial advice price quotes by going here.

Bangor Financial Advice Services

Find a Financial Advisor in Bangor Here
Financial Advice Enquiries in Bangor Northern Ireland (028)
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Financial Advisors Around Bangor: Households in Greenacres, Railwayview Street, Owenroe Drive, Stanley Mews, Marine Gardens, Silverstream Crescent, Springfield Road, Park Avenue, Windmill Court, Ballymacormick Avenue, Cleland Park, Glastry Court, Killeen Park, Hampton Mews, Killaire Road, Rossdowan Lane, Dixon Road, Abbey Park, Millisle Gardens, Alexander Court, Glendun Park, Coronation Park, Summerhill Gardens, Hill Crest Walk, Ivyhill Avenue, Manselton Park, Church Street, Holborn Avenue, Lismore Avenue, Ardmillan Park, have needed financial advice just recently. Financial advisors have also been active in these local Bangor postcodes: BT19 1GS, BT19 1EQ, BT19 1BJ, BT19 1EF, BT19 1EU, BT19 1QG, BT19 1AL, BT19 1EG, BT19 1RG, BT19 1QP. Folks residing in these local areas recently requested help from a financial advisor. Bangor residents benefited from professional and reliable financial services on each occasion.

To get local info relating to Bangor, Northern Ireland click here

Independent financial advisor in BT19 area, (dialling code 028).

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(This financial advisor Bangor content was checked and updated on 28-06-2022)