Financial Advisor Belfast

Belfast Independent Financial Advice & Investment

Financial Advisor Belfast Northern Ireland (BT1): Finding a reliable financial advisor advisor in the Belfast area can be an intimidating experience, especially if you are seeking financial advice for the first time. Whether it's pension, mortgage, investment or even insurance advice that you are searching for, there's one common rule for all qualified financial advisors; they must all comply with FCA (Financial Conduct Authority) regulations. The advantage of this is that should a financial advisor who is FCA authorised give you bad advice, and things go awry, you've got guarantees, and can go to the Financial Services Compensation Scheme or the Financial Ombudsman to have it put right.

Free Belfast Financial Advisor Quotes

Friends and relatives recommendations can be a decent starting point in selecting a financial advisor in Belfast, but keep in mind that their circumstances may be different to what you are looking for. Their advice needs to be tailored to your specific circumstances, and not every financial advisor is suitable for everyone. It is wise to talk to at least three different companies when you are choosing a financial advisor, because this is a big decision, and you'll be looking to find one that you feel comfortable with and can trust, and also explore the options they can provide.

Financial Advisor Belfast Northern Ireland (BT1)

Restricted advisors and independent financial advisors, are the 2 principal types of financial advisor in Belfast. An independent financial advisor won't be limited to the products and services of just one provider. Independent financial advice must cover the entire gamut of financial products and companies, and must be given in an unbiased way. This will allow you to select from the widest range of products to match your needs. A restricted financial advisor might be limited to services and products from a particular company, or may even focus on one particular product, as may be the case with a mortgage advisor.

Before any financial advisor accepts you as a client, they're required by the FCA to be fully transparent with you about their charges. Based on the kind of services you are interested in, you could be charged a set fee, by the hour or maybe even a percentage of your investment value. You will sometimes be offered a free preliminary consultation to allow you to discuss your aims and see if the advisor is the proper choice for your situation. Your account may be looked after by a team rather than a single advisor, if you elect to use one of the bigger companies in Belfast.

Financial Advisors Belfast UK (028)

You will be asked to complete a "Fact Find" form, which is a confidential disclosure document relating your financial situation and goals to the advising firm. A Key Facts Document, or Initial Disclosure Document will also be handed to you, providing information regarding the financial advisors themselves, explaining the extent of their permissions in the financial market and their status to offer independent or restricted advice. This document will also lay down your rights and your options if you aren't satisfied with the service, and need to make a complaint. It must be typed out in plain language and describe what you are signing up for, and any possible risks and benefits if you elect to accept the offered advice. You will find the level of cooling-off period in the Key Facts Document. This allows you to cancel the agreement within a specific time period, and if any penalties are incurred.

You need to check what experience and qualifications the financial advisor has the first time you speak to them. You needn't be embarrassed about asking these questions, after all you're just about to entrust your financial wellbeing to their expertise. A Level 4 qualification is the minimum certification for any Belfast financial advisor, and they also have to be able to present you with an annual Statement of Professional Standing. If your advisor's name does not show up on the Financial Services Register, you shouldn't panic, the company the advisor works for will almost certainly be on the register and their personnel will be covered by the regulations. The person may still offer financial guidance instead of advice, if these cannot be provided. In terms of finance guidance differs to advice and isn't regulated in the same way. Therefore there isn't any recourse for the client if mistakes are made.

Financial Advisor Quotes in Belfast Northern Ireland

If you are seeking advice on investments you'll be asked the amount of risk you are ready and able to take. Higher risk investments could offer larger rewards, however all or some of your money could be lost. Good financial and investment advice will take you savings objectives into consideration, i.e. long or short term investments, how quickly you need to access your money and how much you have to invest. "How much money can you truly afford to lose?" Is the one question that you really need to ask yourself. This is called your capacity for loss and could affect the products and services that may be offered for your consideration.

Financial Advice Near Belfast Northern Ireland

You should tell your financial advisor about your current investments, regular payments, mortgage loans or savings accounts. They will need these details, so that they can get a clear picture of your finances and give the appropriate advice for your needs. Spreading the risk across various different products by diversifying your investments and savings, is something that sound financial advice should embrace. Having a knowledge of the best areas to consider, a qualified financial advisor will focus attention on products that match your goals and financial circumstances.

A financial advisor will lay bare the multifaceted world of finance, and try to communicate in as much plain speech as possible. You should be able to come to an informed decision once you have compared the various services and products that meet your needs. You could perhaps ask your advisor only to specify ethical investment and savings schemes. This doesn't just give you investment opportunities, but also enables you to support zero carbon or renewable energy projects, and keep clear of businesses that don't share the same values as you do.

It may prove difficult to manage your work life and other obligations around a close working relationship with your financial advisor in Belfast. One-on-one meetings can be complemented with video conferencing and phone calls to enable you to seek advice at times that suit you. A competent financial advice company in Belfast will have stringent measures in place to ensure your details are kept secure and confidential, even if you hardly ever have an in-person meeting with your advisor, because remote and home working is no longer unusual.


Investments can easily go down as well as up, because the financial world can be unpredictable. It can be extremely worrying and frustrating if your investment is not making the amount of money you were hoping for. Unfortunately, a downward spiral in your investment is not seen as a cause for complaint, unless of course it is down to misleading or incorrect information from your advisor.

Independent Financial Advisor Near Belfast (BT1)

As detailed in the Key Facts Document, any grievances should begin with the firm's complaints procedure. If the problem is unresolved within the time-frame set by the regulating body, and your financial advisor is a member of the Financial Conduct Authority, you can notify the Financial Ombudsman.

The Financial Ombudsman will independently review the cause for complaint and make a ruling. A decision is made on how to financially compensate the client, if the complaint is justified. Once the decision is accepted by the client it becomes a legally binding decision which the financial advisor and their firm, must comply with. Any compensation fixed by the Financial Ombudsman will also account for any inconvenience, hassle, distress and annoyance caused to the customer during the situation.

Book a Financial Advisor in Belfast UK

Financial advice can be provided in Belfast and also in: Gilnahirk, Milltown, Lisburn, Upper Galwally, Dundonald, Comber, Moneyreagh, Lambeg, Greenisland, Ballyskeagh, Hannahstown, Drumbeg, Ballygowan, Strandtown, Dundrod, Holywood, Dunmurry, Finaghy, Andersontown, Whiteabbey, as well as in these postcodes BT1 1QD, BT1 2FG, BT1 1RD, BT1 2BA, BT1 2NF, BT1 2NB, BT1 1LE, BT1 2HQ, BT1 1TE, BT1 1JS. Local Belfast financial advisers will most likely have the postcode BT1 and the telephone code 028. Verifying this can ensure you access local financial advisers. Belfast property owners can utilise these and countless other similar services. Click the "enquiry" banner or form to get details about financial advisors in your area.

Belfast Financial Advice Services

Financial Advice Tasks Belfast

There is a range of services that can be provided by your local Belfast financial advisor including pension drawdowns, savings advice Belfast, cashflow analysis, ethical investment advice, pension consolidation Belfast, business financial planning in Belfast, pension advice in Belfast, will writing services in Belfast, ISA's Belfast, investing an inheritance, familt controlled trusts, life insurances, mutual funds, annuity purchases in Belfast, trusts, family income benefit, trustee investment services Belfast, corporate financial planning, investment bonds, bridging finance, inheritance tax planning Belfast, divorce financial planning, saving for children, unit trusts in Belfast, mortgage advice Belfast, cheap financial advice, investment planning, general financial planning, money planning, tax financial planning in Belfast, and more. These are just a handful of the activities that can be performed by a financial advisor. Belfast professionals will be delighted to keep you abreast of their entire range of services.

A Financial Advisor's Regular Duties

  • A financial advisor produces detailed financial reports.
  • A financial advisor works in collaboration with peers to collect statistics, market information and trends.
  • A financial advisor recommends the best-suited financial products to customers.
  • A financial advisor talks with customers about their finances and plans.
  • A financial advisor meets sales and performance targets.
  • A financial advisor makes advantageous deals with with financial product providers.
  • A financial advisor provides counselling, education and consultation regarding finances and investments.
  • A financial advisor maintains a record of transactions and customers.
  • A financial advisor consistently updates clients about their investments.
  • A financial advisor keeps up to date with legislation changes and new financial products.

Financial Advisors Near Belfast

Also find: Drumbeg financial advisors, Dunmurry financial advisors, Whiteabbey financial advisors, Lambeg financial advisors, Strandtown financial advisors, Andersontown financial advisors, Upper Galwally financial advisors, Greenisland financial advisors, Dundrod financial advisors, Gilnahirk financial advisors, Finaghy financial advisors, Hannahstown financial advisors, Moneyreagh financial advisors, Dundonald financial advisors, Ballyskeagh financial advisors, Milltown financial advisors, Ballygowan financial advisors and more. Financial advisors are available for consultation services in almost all of these towns and villages. Property owners in the area can make enquiries about financial advice by going here.

Belfast Financial Advice Services

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Independent financial advisor in BT1 area, 028.

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(This financial advisor Belfast page was successfully updated on 20-02-2024)