Financial Advisor Bolton

Bolton Independent Financial Advice & Investment

Financial Advisor Bolton Greater Manchester (BL1): If you're in search of financial advice for the first time, trying to find a good financial advisor advisor in the Bolton area can be an intimidating experience. However, all professional financial advisors have one thing in common; they all have to stick to the regulations set by the FCA (Financial Conduct Authority), whether you are searching for investment, pensions, mortgage or even insurance advice. This comes with some guarantees, therefore after taking advice from a FCA registered financial advisor in Bolton, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if if things go wrong.

Free Bolton Financial Advisor Quotes

Recommendations from friends and relations can be a good starting point in selecting a financial advisor in Bolton, but keep in mind that their circumstances could be different to what you are looking for. Not every financial advisor is suitable for everyone, and their advice should be personalised to your specific situation. It is a good idea to speak to at least 3 different companies when you are choosing a financial advisor, as this is a major decision, and you'll be looking to find one that you can trust and feel comfortable with, and at the same time explore the options they can provide.

Financial Advisor Bolton Greater Manchester (BL1)

There are 2 principal kinds of financial advisor in Bolton; independent financial advisors and restricted advisors. Offering a wide range of options, an IFA won't be restricted to a single company's services and products. Encompassing the whole spectrum of financial companies and products, independent financial advice must be given in an impartial and unbiased way to clientele. If you opt to use an independent financial advisor, you'll be able to pick from the widest possible range of services, in order to find the perfect solution for you. If you use a restricted advisor you will find that they might be restricted to products and services of a particular company, or as with a mortgage advisor, will only be involved with one individual product.

Before accepting you as a client, any Bolton financial advisor must tell you about their charges, as set out by the Financial Conduct Authority. You could be charged a set fee, by the hour or possibly even a specific percentage of your investment value, dependant upon services you are looking for. You could be offered the possibility of a free first consultation to enable you to discuss your objectives and see if the advisor is the proper choice for your circumstances. In some bigger Bolton firms, you might find that your account is being managed by a team rather than an individual advisor.

Financial Advisors Bolton UK (01204)

To summarise your aims and financial situation to the advising firm, you will be asked to fill out a "Fact Find" document, which is a confidential disclosure form. You should also be given a Key Facts or Initial Disclosure Document, which provides you with details of the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial sector. Your legal rights will also be laid out in this document, together with your options if you need to submit a complaint because you're not happy with the service you're given. It has to be written in plain language and detail what you are committing yourself to, and any potential benefits and risks if you elect to take the advice offered. The allowed cooling-off period should also be spelled out in this Key Facts Document. Within a certain time period, this allows you to cancel your agreement with the financial advisor.

The first time you're chatting with the financial advisor you need to check what qualifications and experience they've got. You should never be embarrassed about asking these questions, after all you're on the verge of entrusting your financial future to their expertise. Every Bolton financial advisor must be in a position to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. If your advisor's name does not appear on the Financial Services Register, you don't need to freak out, the company the advisor works for should be found on the register and their personnel will be covered by the legislation. If these cannot be presented the individual may still offer financial guidance as opposed to financial advice. In financial terms guidance is somewhat different to advice and isn't regulated. Therefore there is no recourse for either party if financial mistakes arise.

Financial Advisor Quotes in Bolton Greater Manchester

If it is investments that you're interested in, your advisor will need to know the level of risk you are ready to take on with your hard-earned cash. Bigger rewards may be possible with high risk investments, however you could also lose some or all of your cash. Good quality financial and investment advice will take you savings objectives into consideration, i.e. how much you have to invest, long or short term investments and how rapidly you need access to your money. One question you should ask of yourself, which is normally overlooked, is just how much you can actually afford to lose. This could influence the services and products that could be offered for your consideration, and is known as your 'capacity for loss'.

Financial Advice Near Bolton Greater Manchester

If you have already got any current investments, mortgages, savings or regular outgoing payments, you'll want to let your financial advisor know about these. To ensure that you receive the best advice for you, they need to have a full and clear picture of your finances. Spreading the risk load across different products through the diversification of your savings and investments, is something that good financial advice should encompass. Having an understanding of the best areas to consider, a professional financial advisor will favour products that match your financial circumstances and goals.

Your financial advisor will try to communicate in as much plain speech as possible, to unmask the complex world of finance. After learning about the various services and products that match your needs, you should be able to make an informed and educated decision. If you're mind is firmly on the environment, you can perhaps ask your advisor to stick to ethical savings and investment schemes. You will then be able to stay away from businesses that firms meet your requirements, and instead lend your support to those enterprises and companies that address your concerns, for example zero carbon or renewable energy.

It is not that easy to work closely with a financial advisor in Bolton without this impacting your work life and other commitments. Face-to-face appointments can be augmented with video conferencing and telephone to enable you to get advice at a time to suit you. Even if you never have a face-to-face meeting with your advisor, a professional financial advice firm in Bolton will have strict measures in place to keep your details confidential and secure, because working from home and remote working is now commonplace.


You must remember that the financial world is an unpredictable sector, and the value of your investments can just as easily go down as well as up. If your investment is not making as much money as you hoped for, it can be extremely stressful and disheartening. A downward trend in your investment isn't seen as a cause for complaint, unless your advisor has given you incorrect or misleading information.

Independent Financial Advisor Near Bolton (BL1)

Any grievances should start with the company's complaints procedure as outlined in the Key Facts Document. If the matter remains unsolved within the period set by the regulating body, and your financial advisor is registered with the Financial Conduct Authority, you can inform the Financial Ombudsman.

After looking into the cause for complaint, the Financial Ombudsman will come to a decision on the issue. If the complaint is justified, a decision is made on how to rectify the situation or financially compensate the client. Once the ruling is agreed on by the customer it becomes a legally binding decision that the advisor and their firm, must comply with. Any compensation as set out by the Financial Ombudsman will also take into account any distress, hassle, upset and inconvenience caused to the customer during the dispute.

Book a Financial Advisor in Bolton UK

Financial advice can be provided in Bolton and also in nearby places like: Breightmet, Barrow Bridge, Tottington, Tonge Fold, Lostock, Markland Hill, Radcliffe, Halliwell, Eagley, Edgworth, Great Lever, Chapeltown, Farnworth, Walkden, Heaton, Horwich, as well as in these postcodes BL1 1NN, BL1 1TS, BL1 1FD, BL1 1JZ, BL1 1SQ, BL1 1NX, BL1 1FR, BL1 2BP, BL1 1HA, BL1 1TJ. Local Bolton financial advisors will probably have the postcode BL1 and the telephone code 01204. Simply click the "enquiry" banner or form to get info on financial advisors in your area.

Day to Day Duties of a Financial Advisor

  • Financial advisors maintain detailed records of customers and transactions.
  • Financial advisors produce comprehensive financial reports.
  • Financial advisors work in collaboration with colleagues to gather trends, market information and statistics.
  • Financial advisors update customers concerning their investments.
  • Financial advisors provide consultation, education and counselling with regards to finances and investments.
  • Financial advisors make advantageous deals with with financial product providers.
  • Financial advisors meet performance and sales targets.
  • Financial advisors keep up to date with new financial products and regulation changes.
  • Financial advisors speak to clients regarding their plans and finances.
  • Financial advisors recommend the financial products that are best-suited to their customers.

Financial Advice Enquiries Greater Manchester

Financial Advice Enquiries Greater Manchester

Recently posted Greater Manchester financial advice enquiries: Colby and Amelia-Grace Mills from Horwich, Greater Manchester recently enquired about offshore investments. Mr and Mrs Furlong from Little Lever recently enquired about family income benefit. Ieuan and Ayda Maddocks from Abram recently asked for information on financial planning. Diego Holland and Francesca Holland from Offerton Park, Greater Manchester recently asked for information on investment bonds. Mr and Mrs Christie from Bramhall recently asked for information on financial planning. Theodor Ritchie from Shevington recently enquired about financial planning. Ernie Frith from Bradshaw recently asked for information on pensions. Mikhail Mcleod and Leonie Mcleod from Guide Bridge recently asked for information on pensions.

Bolton Financial Advice Services

Financial Advice Tasks Bolton

There is a variety of services which can be provided by your local Bolton financial advisor including financial analyst services in Bolton, life insurance, pension reviews, offshore investments, cheap financial advice, cash flow modelling, cashflow analysis, divorce planning Bolton, corporate financial planning Bolton, annuities Bolton, investment advice, financial planning Bolton, long term care fee advice, corporate bonds, family income benefit Bolton, unit trusts, retirement advice Bolton, mortgage advice, investment bonds Bolton, financial services, pension advice, investment planning, business financial planning in Bolton, pension plans, mutual funds in Bolton, and more.


Financial Advisors Near Bolton

Also find: Walkden financial advisors, Tonge Fold financial advisors, Chapeltown financial advisors, Heaton financial advisors, Eagley financial advisors, Barrow Bridge financial advisors, Farnworth financial advisors, Edgworth financial advisors, Great Lever financial advisors, Lostock financial advisors, Horwich financial advisors, Radcliffe financial advisors, Markland Hill financial advisors, Halliwell financial advisors, Tottington financial advisors, Breightmet financial advisors and more.

Bolton Financial Advice Services

Find a Financial Advisor in Bolton Here
Financial Advice Enquiries in Bolton Greater Manchester (01204)
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Financial Advisors Around Bolton: Financial advisors were recently necessary for folks living in Tempest Road, Battenberg Road, Cheriton Gardens, Blackhorse Avenue, Chapel Fields, Clarendon Grove, Baxendale Street, Tennyson Street, Cherrywood Avenue, Chelwood Close, Andrew Lane, Chapel Grange, Spinning Meadows, Deane Avenue, Somersby Drive, Tower Court, The Highgrove, Trafford Grove, Taywood Road, Tansley Close, Beaumont Drive, Thompson Road, Dorket Grove, Dale Street, Duke Street North, Batridge Road, Bilbao Street, Torridon Road, Auberson Road and these Bolton postcodes: BL1 1NN, BL1 1TS, BL1 1FD, BL1 1JZ, BL1 1SQ, BL1 1NX, BL1 1FR, BL1 2BP, BL1 1HA, BL1 1TJ.

More Bolton Services: Naturally, whenever you're looking at your finances in Bolton, Greater Manchester, you are likely to need all kinds of different services and together with a financial advisor in Bolton, Greater Manchester, you might additionally need solicitors in Bolton, property law & conveyancing in Bolton, contracts lawyers in Bolton, bookkeepers in Bolton, business financial planning in Bolton, accountants in Bolton, tax preparation in Bolton, payroll services in Bolton, family lawyers in Bolton, wills in Bolton, banruptcy lawyers in Bolton, debt recovery & collection in Bolton, investment advisors in Bolton, business consulting in Bolton, mortgage advice in Bolton, mortgage brokers in Bolton, estate planning in Bolton, and other different Bolton experts.

To obtain local information on Bolton, Greater Manchester take a look here

Financial Advisor Jobs Bolton: Browse financial adviser jobs in Bolton here: Bolton Financial Advisor Jobs

Independent financial advisor in BL1 area, and dialling code 01204.

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