Financial Advisor Birkenhead

Birkenhead Independent Financial Advice & Investment

Financial Advisor Birkenhead Merseyside (CH41): It can be a challenging experience trying to find a reliable financial advisor advisor in Birkenhead, in particular if it's the very first time that you're in search of financial advice. Whether you're searching for investments, mortgage, pension or even insurance guidance, all professional financial advisors have one thing in common; they must all conform to the regulations of the Financial Conduct Authority. Any advice given from a FCA approved financial advisor in Birkenhead comes with certain guarantees that if anything should go wrong, you can contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.

Free Birkenhead Financial Advisor Quotes

Friends and family recommendations can be a decent starting point in picking a financial advisor in Birkenhead, but bear in mind that their needs may be different to what you're looking for. Financial advice needs to be specifically tailored to your unique situation, and you'll discover that some financial advisors might not be appropriate for you. Choosing a financial advisor is a big decision and it is a good idea to talk to at least three different companies so as to investigate the various options they offer, and to find one you can trust and feel at ease with.

Financial Advisor Birkenhead Merseyside (CH41)

There are 2 main kinds of financial advisor in Birkenhead; restricted advisors and independent financial advisors. The good thing about seeing an independent financial advisor is that they will not be confined to a single company's products or services, and can offer a wider range of options. Independent financial advice must be provided in an unbiased way and should cover the whole gamut of financial products and companies. This enables you to pick from the broadest range of services to suit your needs. A restricted advisor may be focused on a single product, as with a mortgage advisor, or be restricted to services and products from a particular firm.

Before accepting you as a client, any Birkenhead financial advisor must tell you about their charges, as required by the Financial Conduct Authority. Although it can vary determined by the kind of product you are looking for, there could be an hourly rate, a set fee, or you might even be charged a proportion of the money you are investing. To discuss your goals and determine whether the advisor is suitable for you and your situation, you will sometimes be offered the chance of a free first consultation. In some of the larger Birkenhead companies, you could find that your account is looked after by a team as opposed to an individual advisor.

Financial Advisors Birkenhead UK (0151)

Before any actual financial advice is handed out you will need to fill out a confidential disclosure form, known as a "Fact Find" document, which tells the advising firm about your desired goals and financial situation. You will also be handed an Initial Disclosure, or Key Facts Document, which provides you with information about the financial advisor, their situation for offering independent or restricted advice and the extent of their permissions in the financial market. If you aren't satisfied with the service provided, and wish to make a complaint, this document will also lay down your legal rights and the possible options you can take. It has to be written in plain English and outline what you are committing yourself to, and any possible benefits and risks that exist should you decide to take the advice offered. You can find the level of cooling-off period in this document. Within a certain number of days, this makes it possible for you to cancel the contract.

When talking with your financial advisor for the first time make sure you check their experience and qualifications. Asking these questions shouldn't be a cause for embarrassment, because after all you're entrusting them with your long-term financial wellbeing. All Birkenhead financial advisors must hold at least a Level 4 qualification and present an annual Statement of Professional Standing. When checking the Financial Services Register, you shouldn't freak out if your financial advisor's name doesn't appear on there; you ought to be able to find the firm name, and this means that the regulations covers all of their advisors. If they're unable to provide these accreditations, the person can't offer advice but can offer financial guidance. Guidance differs to advice as it's not regulated, and if financial errors occur there may be no recourse to the client.

Financial Advisor Quotes in Birkenhead Merseyside

You'll be asked the level of risk you're prepared to take, if you are seeking advice on investments. High risk investments may potentially offer larger rewards, but all or some of your money could be lost. In order to get the best investment and financial advice, your savings objectives will have to be given careful consideration, i.e. how much money you want to invest, how quickly you need to access your money and long or short term investments. One question you should ask yourself, which is frequently overlooked, is how much you can actually afford to lose. Known as your capacity for loss, this will most likely influence the products and services that you are offered.

Financial Advice Near Birkenhead Merseyside

From the outset, it's crucial that you let your financial advisor know about any existing regular payments, investments, mortgages or savings accounts that you have. This will provide a clear picture of your current financial situation, and without this the advice you get may not be the best for you. Spreading the risk across a number of different products through the diversification of your investments and savings, is something that reliable financial advice should allow for. Having an understanding of the best areas to consider, a qualified financial advisor will focus attention on products that most closely match your goals and financial situation.

Communicating in the clearest way possible, your financial advisor will reveal the complex world of finance and investment. This will permit you to compare services and products which match your needs, and make an informed decision. If you're mind is firmly on the environment, you can perhaps ask your advisor to stick to ethical investment and savings schemes. This doesn't just give you investment opportunities, but also allows you to lend your support to zero carbon or green energy projects, and avoid companies that don't share the same values as you do.

It isn't always easy to have a close working relationship with a financial advisor in Birkenhead without this impacting on your work and other commitments. Face-to-face appointments can be augmented with telephone calls and video conferencing to enable you to seek advice at a time to suit you. Even if you rarely have a one-on-one meeting with your personal advisor, an experienced financial advice company in Birkenhead will have rigorous measures in place to keep your details confidential and secure, because remote and home working is now commonplace.


You have to remember that the financial sector can be volatile, and the value of your investments can just as easily drop as well as rise. If your investment fails to make as much money as you were hoping for, it can be quite stressful and demoralising. Sadly, your investment having a downward trend isn't seen as a basis for complaint, unless of course it is down to misleading or incorrect information from your financial advisor.

Independent Financial Advisor Near Birkenhead (CH41)

Any complaints should start with the company's complaints procedure as laid out in the Key Facts Document. If the matter is unsolved within the time set out by the regulating authority, and your financial advisor is registered with the Financial Conduct Authority, you can contact the Financial Ombudsman.

The Financial Ombudsman will make a ruling after independently reviewing the cause of the complaint. If it's found that the complaint is legitimate, a decision is made on how the customer can be compensated. This will become a legally binding decision once it has been accepted by the customer, and the advisor and their company must abide by the decision. Any distress, trouble, inconvenience and annoyance caused to the client during the process, will be taken into account when the Ombudsman sets the level of compensation.

Book a Financial Advisor in Birkenhead UK

Financial advice can be provided in Birkenhead and also in nearby places like: Seacombe, New Ferry, Moreton, Prenton, Thingwall, Claughton, Oxton, Liscard, Upton, Poulton, Prenton East, Egremont, Woodhey, Egerton Park, Rock Ferry, as well as in these postcodes CH30 9AX, CH41 0AH, CH26 9DQ, CH26 9EF, CH25 9DT, CH32 9DY, CH30 9BS, CH26 9BZ, CH41 0AX, CH32 9BD. Local Birkenhead financial advisors will probably have the telephone dialling code 0151 and the postcode CH41. Checking this out will confirm that you're accessing local financial advisers. Birkenhead property owners 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.

Regular Duties for a Financial Advisor

  • Financial advisors keep abreast of regulation changes and new products.
  • Financial advisors keep a record of potential transactions and clients.
  • Financial advisors work in collaboration with colleagues to gather trends, statistics and market information.
  • Financial advisors collaborate with financial product providers.
  • Financial advisors meet sales and performance targets.
  • Financial advisors speak to clients regarding their plans and finances.
  • Financial advisors update customers about their investments.
  • Financial advisors provide education, counselling and consultation with regards to finances and investments.
  • Financial advisors produce detailed financial reports.
  • Financial advisors research financial products and explain them simply and clearly to their customers.

Birkenhead Financial Advice Services

Financial Advice Tasks Birkenhead

There are a wide range of services that can be provided by your local Birkenhead financial advisor including ethical investments, financial analyst services, cashflow analysis Birkenhead, mutual funds, pensions in divorce in Birkenhead, business protection, family income benefit, pension drawdowns, pension plans Birkenhead, life assurance, stakeholder pensions, mortgage services, investment bonds, personal financial planning in Birkenhead, annuities in Birkenhead, inheritance tax planning, corporate financial planning, personal protection, money planning Birkenhead, pension consolidation, offshore investments, retirement planning in Birkenhead, saving for children, will writing services, pension planning in Birkenhead, cheap financial advice, unit trusts Birkenhead, ISA's, investment consolidation advice, life insurance, and lots more. These are just a few of the duties that can be performed by a financial advisor. Birkenhead professionals will keep you informed about their entire range of services.


Financial Advisors Near Birkenhead

Also find: Prenton financial advisors, Egerton Park financial advisors, New Ferry financial advisors, Oxton financial advisors, Rock Ferry financial advisors, Upton financial advisors, Liscard financial advisors, Prenton East financial advisors, Woodhey financial advisors, Moreton financial advisors, Seacombe financial advisors, Claughton financial advisors, Thingwall financial advisors and more. Anyone who is searching for financial advice, will discover that these services are readily available in all of these areas. Householders in these areas can make enquiries about financial advice by going here.

Birkenhead Financial Advice Services

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Independent financial advisor in CH41 area, (dialling code 0151).

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(This financial advisor Birkenhead content was checked and updated on 20-02-2024)