Financial Advisor Birkenhead

Birkenhead Independent Financial Advice & Investment

Financial Advisor Birkenhead Merseyside (CH41): It can be an intimidating experience trying to locate a reliable independent financial advisor in Birkenhead, especially if it is the very first time that you're needing financial advice. However, all professional financial advisors have one thing in common; they must all follow the regulations set by the FCA (Financial Conduct Authority), whether you are after pensions, mortgage, investments or even insurance advice. This comes with some guarantees, so after taking advice from a FCA authorised financial advisor in Birkenhead, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman, if anything goes wrong.

Free Birkenhead Financial Advisor Quotes

A good starting place when choosing a financial advisor in Birkenhead could be friends and relatives, but keep in mind that the kind of advice you're looking for may be different to theirs. Financial advice must be specifically tailored to your particular situation, and you'll find that certain financial advisors might not be appropriate for your requirements. To investigate the options that they can provide and find a financial advisor you can trust and feel comfortable with, it is a good idea to speak to at least 3 different companies, because after all selecting a financial advisor is a big decision.

Financial Advisor Birkenhead Merseyside (CH41)

When you're looking to pick a financial advisor in Birkenhead, there are basically two main types; restricted advisors and independent financial advisors. An IFA will not be confined to a single company's products and services. Independent financial advice must encompass the entire spectrum of financial companies and products, and should be offered in an impartial way. Using an IFA should enable you to select from the broadest possible array of services. A restricted advisor may be involved with an individual product, such as a mortgage advisor, or be restricted to services and products from a particular firm.

Before any financial advisor accepts you as a client, they are required by the FCA to fully discuss their charges with you. You might be charged by the hour, a set fee or perhaps even a specific percentage of your investment, according to services you're looking for. To enable you to discuss your aims and determine whether the advisor is a right fit for your circumstances, a free preliminary consultation could be offered. In some of the larger Birkenhead firms, you might find that your account is managed by a team as opposed to an individual.

Financial Advisors Birkenhead UK (0151)

Before any actual financial advice is handed out you will need to fill in a confidential disclosure form, known as a "Fact Find" document, which tells the advising company about your financial situation and objectives. To provide information on the financial advisor, their status to offer restricted or independent advice and their range of permissions in the financial market, you'll also be given an Initial Disclosure, or Key Facts Document. Your own legal rights will also be laid out in this document, in addition to your options if you wish to complain because you aren't satisfied with the service provided. It has to be typed out in plain language and describe what you're signing up for, and any potential risks and benefits should you opt to take the advice offered. You'll find the level of cooling-off period in the Key Facts Document. Within a certain period of time, this makes it possible for you to cancel the contract with your financial advisor.

The first time you're talking to your financial advisor make sure you check what qualifications and experience they have. Asking such questions shouldn't cause you any embarrassment, because after all you're about to entrust them with your financial future. All financial advisors in Birkenhead must as a minimum hold a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. If your advisor's name does not appear on the Financial Services Register, you don't need to freak out, the firm the individual works for will almost certainly be on the register and their advisors are all covered by the legislation. The person may still offer financial guidance instead of advice, if these can't be presented. In terms of finance guidance is different to advice and isn't regulated in the same way. Therefore there's no recourse for either party if errors are made.

Financial Advisor Quotes in Birkenhead Merseyside

If it is investments that you are interested in, your advisor will need to know the amount of risk you might be prepared to accept with your hard-earned money. Most investments carry some degree of risk, but higher risk investments may offer bigger rewards, but also more likelihood of losing your money. In order to get the very best investment and financial advice, your savings goals will have to be carefully considered, i.e. how rapidly you need to access your money, how much you wish to invest and short or long term investments. You must always ask yourself the one important question, how much can you truly afford to lose. Known as your 'capacity for loss', this will very likely affect the products and services that you're offered.

Financial Advice Near Birkenhead Merseyside

From the outset, it is important to tell your financial advisor about any existing savings accounts, regular outgoing payments, investments or mortgages that you have. This gives a full and clear picture of your current financial situation, without which the advice you get will most likely not be the most suitable for you. Diversifying your savings and investments by spreading the risk across various different products, is an important part of reliable financial advice. In order to mirror your financial circumstances and your goals, a qualified financial advisor in Birkenhead will understand the best areas to consider.

Your financial advisor will communicate in as plain a speech as possible, to unveil the complex world of finance. This will enable you to compare products and services that match your needs, and make an informed decision. If you are mind is firmly on the environment, you could maybe ask your financial advisor to stick to ethical investments and savings. This allows you to give your support to companies and enterprises that address your concerns, i.e. zero carbon or renewable energy, or perhaps steering clear of corporations that don't meet your criteria.

Establishing a close working relationship with a financial advisor in Birkenhead could create problems with your work day and other commitments. One-on-one appointments can be augmented with telephone and video conferencing to enable you to seek advice at times that suit you. A competent financial advice company in Birkenhead will have strict measures in force to keep your details secure and confidential, even if you rarely have an in-person meeting with your personal advisor, because home and remote working is no longer unusual.


Investments can be an unpredictable area, and values can go down as easily as they go up. If your investment is not making the amount of money you hoped for, it can be very worrying and disheartening. Sadly, your investment having a downward trend is not a recognised cause for complaint, unless it's due to wrong or misleading information from your advisor.

Independent Financial Advisor Near Birkenhead (CH41)

As described in the Key Facts Document, any complaints should start out with the company's complaints procedure. If the matter remains unsolved within the time-frame set out 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 come to a decision after reviewing the cause for complaint independently. If it is found that the complaint is legitimate, a decision is made on how the client can be compensated or the situation rectified. The advisor and their company must comply with any decision that is made, which becomes a legally binding decision once the client has agreed to it. Any compensation laid down by the Financial Ombudsman will also take into account any inconvenience, upset, distress and hassle caused to the customer during the dispute.

Book a Financial Advisor in Birkenhead UK

Financial advice can be provided in Birkenhead and also in nearby places like: Seacombe, Woodhey, Poulton, Moreton, Egremont, Prenton East, Thingwall, Claughton, Higher Bebington, Liscard, Rock Ferry, Wallasey, Upton, Prenton, Oxton, Egerton Park, New Ferry, as well as in these postcodes CH25 9DH, CH30 9AE, CH41 0BG, CH26 9DS, CH32 9DP, CH25 9BJ, CH41 0AX, CH32 9EE, CH41 0AR, CH26 9DU. Local Birkenhead financial advisers will likely have the dialling code 0151 and the postcode CH41. Simply click on the "enquiry" banner or form to get specifics of financial advisors in your location.

Birkenhead Financial Advice Services

Financial Advice Tasks Birkenhead

There are a wide range of services which can be provided by your local Birkenhead financial advisor including family income benefit, financial planning, cashflow analysis, annuities Birkenhead, pension consolidation Birkenhead, pension drawdowns, trusts, life insurances in Birkenhead, trustee investment services, annuity purchases Birkenhead, retirement planning, financial analyst services Birkenhead, unit trusts, general financial planning in Birkenhead, corporate financial planning Birkenhead, pension transfer advice, life assurance advice Birkenhead, long term care fee planning, financial advice services, wealth management & investments, stakeholder pensions in Birkenhead, independent financial advice Birkenhead, bridging finance in Birkenhead, mutual funds, pension advice Birkenhead, and more.

Financial Advice Enquiries Merseyside

Merseyside Financial Advice Enquiries

The latest Merseyside financial advice enquiries: Mr and Mrs Munro from Windle recently asked for information on offshore investments. Macy Morley and Cole Morley from Litherland, Merseyside recently asked for information on offshore investments. Mr and Mrs Mottram from Huyton recently enquired about investment advice. Maksim Peacock from Whiston recently enquired about equity release. Emmeline Barry and Nikolas Barry from Halewood, Merseyside recently asked for information on pensions. Karson and Darcey Martin from Rainhill recently asked for information on mortgages. Mr and Mrs Thorpe from Hoylake recently enquired about financial planning. Rodrigo Stephens from Aintree recently asked for information on pensions.


Financial Advisors Near Birkenhead

Also find: Rock Ferry financial advisors, Upton financial advisors, Oxton financial advisors, Thingwall financial advisors, Prenton financial advisors, Egerton Park financial advisors, Poulton financial advisors, Woodhey financial advisors, Higher Bebington financial advisors, Egremont financial advisors, Liscard financial advisors, Claughton financial advisors, Prenton East financial advisors, Wallasey financial advisors, New Ferry financial advisors, Seacombe financial advisors, Moreton financial advisors and more.

Birkenhead Financial Advice Services

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Financial Advice Enquiries in Birkenhead Merseyside (0151)
  • Birkenhead Independent Financial Advice
  • Birkenhead Inheritance Advice
  • Birkenhead Corporate Financial Planning
  • Birkenhead Estate Planning
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  • Birkenhead Wealth Management
  • Birkenhead Pension Advice
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  • Birkenhead Cashflow Analysis
  • Birkenhead Life Insurance Advice
  • Birkenhead Trustee Investments

More Birkenhead Services: Obviously, when you happen to be looking at your finances in Birkenhead, Merseyside, you will probably need all sorts of different services and apart from a financial advisor in Birkenhead, Merseyside, you could also need solicitors in Birkenhead, mortgage brokers in Birkenhead, contracts lawyers in Birkenhead, investment advisors in Birkenhead, estate planning in Birkenhead, wills & probate in Birkenhead, mortgage advice in Birkenhead, payroll services in Birkenhead, business financial planning in Birkenhead, debt recovery & collection in Birkenhead, property law & conveyancing in Birkenhead, accountants in Birkenhead, family lawyers in Birkenhead, tax preparation in Birkenhead, bookkeeping in Birkenhead, banruptcy lawyers in Birkenhead, business consulting in Birkenhead, and other different Birkenhead experts.

Financial Advisors Around Birkenhead: Some Birkenhead roads and areas where financial advice has recently been given - St Werburghs Square, The Sidings, Dundonald Street, Bulwer Street, Adelaide Road, Claughton Road, Beech Court, Trent Street, Brookland Road, Autumn Grove, Spenser Avenue, Church Road, Allcot Avenue, Crutchley Avenue, Brattan Road, Alabama Way, Brooklands, Curzon Road, Thorneycroft Street, Carnforth Close, Dorset Gardens, Storeton Road, Crocus Avenue, Acton Road, Tower Road, Braid Street, Bridge Street, Back Menai Street, Claughton Place, as well as the following local Birkenhead postcodes: CH25 9DH, CH30 9AE, CH41 0BG, CH26 9DS, CH32 9DP, CH25 9BJ, CH41 0AX, CH32 9EE, CH41 0AR, CH26 9DU.

Financial Advisor Jobs Birkenhead: Find financial advisor jobs near Birkenhead by going here: Birkenhead Financial Advisor Jobs

For local Birkenhead info take a look here

Independent financial advisor in CH41 area, telephone code 0151.

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