Financial Advisor Burslem

Burslem Independent Financial Advice & Investment

Financial Advisor Burslem Staffordshire (ST5): Locating a first-rate independent financial advisor in the Burslem area can be a daunting experience, in particular if you are seeking financial advice for the very first time. Whether it is pensions, mortgage, investments or even insurance advice that you are looking for, there's one common rule for all qualified financial advisors; they must all comply with FCA (Financial Conduct Authority) regulations. Any advice given from a FCA certified financial advisor in Burslem comes with certain guarantees that if things go wrong, you can get in touch with the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Free Burslem Financial Advisor Quotes

When choosing a financial advisor in Burslem, a good place to start could be neighbours and friends, however you must keep in mind that your situation might not be the same as theirs, and you might need a different type of advice. Not every financial advisor is suitable for everybody, and any advice they provide should be adapted to your specific circumstances. To check out the various options they are offering and find a financial advisor you feel comfortable with and can trust, it pays to talk to at least 3 different companies, because after all selecting a financial advisor is a major decision.

Financial Advisor Burslem Staffordshire (ST5)

Independent financial advisors (IFA) and restricted advisors, are the two main kinds of financial advisor in Burslem. Offering a wide range of options, an independent financial advisor should not be restricted to the services and products of just one provider. Independent financial advice should be given in an impartial way and across the full gamut of financial products and companies. Consulting an independent financial advisor should allow you to pick from the broadest possible range of products. A restricted financial advisor might be tied to services and products from one particular company, or might even focus on a particular product, as can happen with a mortgage advisor.

Before any Burslem financial advisor accepts you as a client, they're required by the FCA to fully discuss their charges with you. Based on the kind of services you require, you could be charged by the hour, a set fee or possibly even a proportion of your investment value. A free initial consultation might be offered, so that you can discuss your goals and circumstances to determine whether the advisor is the right choice. Your account may be looked after by a team rather than one individual advisor, if you decide to use one of the larger companies in Burslem.

Financial Advisors Burslem UK (01782)

You'll need to fill out a "Fact Find" document, which is a confidential disclosure form relating your financial situation and ambitions to the advising firm. To provide information regarding the financial advisor, their status to offer restricted or independent advice and the scope of their permissions in the financial arena, you'll also be handed an Initial Disclosure, or Key Facts Document. If you are not happy with the service, and wish to submit a complaint, this document should also set down your legal rights and the options you can take. It has to be simple to understand, written in plain language, and describe precisely what you are signing up for, along with the benefits and risks of going along with the advice. The level of cooling-off period should also be fully explained in this Key Facts Document. Within a specific period of time, this enables you to cancel your contract.

When speaking with the financial advisor the very first time you should check their experience and qualifications. Don't be embarrassed about asking such questions, after all you are on the verge of entrusting your financial wellbeing to their expertise. A Level 4 qualification is the minimum certification for any Burslem financial advisor, and they must also be able to show an annual Statement of Professional Standing. You should not worry if your specific financial advisor's name does not show up on the Financial Services Register, so long as the company is listed on the register, their personnel will be covered by the regulations. The individual can still offer financial guidance instead of advice, if these can't be presented. Guidance isn't regulated in the way that financial advice is, which means that if errors are made neither party will have any recourse.

Financial Advisor Quotes in Burslem Staffordshire

If it's investments that you are interested in, your advisor will enquire about the level of risk you are ready and able to take with your hard-earned money. Higher risk investments may offer higher rewards, however some or all of your funds could be lost. In order to get the most beneficial financial and investment advice, your savings goals will need to be taken into account, i.e. how much you have to invest, long or short term investments and how rapidly you need access to your funds. "How much can you actually afford to lose?" Is the one crucial question that you really need to ask yourself. Sometimes referred to as your capacity for loss, this will quite likely affect the products and services that you're offered.

Financial Advice Near Burslem Staffordshire

From the outset, it's vital that you let your financial advisor know about any mortgage loans, personal savings, regular outgoing payments or investments that you have. This gives a full and clear picture of your current financial circumstances, without which the advice you get might not be the most suitable for you. Sound financial advice should allow for diversifying your savings and investments by spreading the risk across a number of different products. In order to reflect your financial situation and goals, a seasoned financial advisor in Burslem will have the knowledge of the best areas to consider.

Communicating in the clearest possible way, your financial advisor will unmask the multifaceted world of finance and investment. You should be able to make an informed decision once you have learned about the various products and services that meet your needs. If you're environmentally minded, you could maybe ask your financial advisor to stick to ethical savings and investment schemes. This not only gives you investment opportunities, but also allows you to lend your support to green energy or zero carbon projects, and keep clear of those that do not share the same values as you do.

It can prove hard to manage your work life and other responsibilities around a close working relationship with your financial advisor in Burslem. To enable you to get advice at times that suit you, face-to-face meetings can be augmented with telephone calls and video conferencing. Any competent financial advice provider in Burslem will have stringent measures in place to keep your details secure and confidential, even if you never have an in-person meeting with your personal advisor, because home and remote working is no longer unusual.


Investment values can go down as well as up, and this is a factor that you must keep in mind. If it just so happens that your investment fails to make the amount of money you were hoping for, it can be a worrying and frustrating time. However, unless it is down to wrong or misleading information from your financial advisor, a downward trend in your investment is not seen as a cause for complaint.

Independent Financial Advisor Near Burslem (ST5)

As laid out in the Key Facts Document, any complaints should commence with the company's official complaints procedure. If your financial advisor is registered with the FCA, you can let the Financial Ombudsman know about the issue if it is unsolved within the timeframe stipulated by the regulating body.

After looking into the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. If the complaint is justified, a decision is made on how to rectify the situation or financially compensate the client. On acceptance by the client, the ruling becomes legally binding, and the financial advisor and their company must comply with it. Any compensation laid down by the Ombudsman will also take into account any upset, inconvenience, hassle and distress caused to the client during the dispute.

Book a Financial Advisor in Burslem UK

Financial advice can be provided in Burslem and also in nearby places like: Wolstanton, Bradeley Village, Smallthorne, Hanley, Bradwell, Middleport, Stanfield, Longport, Tunstall, Chesterton, Porthill, Dimsdale, Longbridge Hayes, Talke Pits, Newcastle-under-Lyme, as well as in these postcodes ST6 4HU, ST6 3FA, ST6 3BF, ST6 3AF, ST6 4GR, ST6 3BG, ST6 4JH, ST6 4HT, ST6 1BU, ST6 3EX. Locally based Burslem financial advisors will probably have the phone code 01782 and the postcode ST5. Checking this out should ensure that you're accessing locally based financial advisers. Burslem homeowners can benefit from these and countless other related services.

Pension Planning

Vital for a secure retirement is pension planning. This process can be significantly improved by enlisting the services of a financial advisor. Assessing your current financial situation, a qualified advisor will understand your retirement goals and design a customised pension solution. Among the complexities they navigate are the UK pension alternatives, such as the state pension, workplace pensions, and SIPPs. Taking full advantage of their expertise allows you to make informed decisions about tax implications, investment choices and contributions. To create a solid pension plan, providing financial stability and peace of mind for your future, working with a financial advisor in Burslem is essential.

UK pension planning revolves largely around the State Pension, which is a government-backed scheme that provides a basic level of retirement income. Eligibility for the State Pension is based on an individual's National Insurance record, which is built up over their working life. The changes to the State Pension age and the number of qualifying years have made it more important than ever to understand the complexities of this scheme. (42316)

Burslem Financial Advice Services

Financial Advice Tasks Burslem

There is a wide range of services that are provided by your local Burslem financial advisor including wealth management & investments, equity release advice Burslem, corporate bonds, bereavement benefit advice in Burslem, inheritance tax planning, financial analyst services, portfolio management Burslem, pension drawdowns, family income benefit, trustee investment services, life insurances, will writing services, offshore investment advice, divorce planning in Burslem, pension advice, investment consolidation advice, stakeholder pensions, pension consolidation advice, annuity purchases, cheap financial advice, general financial planning, cashflow analysis, investment advice, unit trusts, long term care fee planning, mutual funds Burslem, financial planning Burslem, retirement planning, mortgage services, familt controlled trusts in Burslem, and lots more. These are just a few of the duties that can be handled by a financial advisor. Burslem professionals will be happy to tell you about their full range of financial services.

Daily Duties of a Financial Advisor

  • Providing counselling, consultation and education with regards to investments and finances.
  • Working with colleagues to gather market information, trends and statistics.
  • Meeting targets for sales and performance.
  • Speaking to clients regarding their plans and finances.
  • Thrashing out advantageous deals with with providers of financial products.
  • Keeping detailed records of transactions and clients.
  • Producing detailed financial reports.
  • Keeping up to date with regulation changes and new products.
  • Updating customers concerning their investments.
  • Recommending the best-suited financial products to customers.

Financial Advisors Near Burslem

Also find: Bradeley Village financial advisors, Stanfield financial advisors, Longport financial advisors, Chesterton financial advisors, Wolstanton financial advisors, Talke Pits financial advisors, Dimsdale financial advisors, Middleport financial advisors, Porthill financial advisors, Smallthorne financial advisors and more. Financial advisers are available for consultations in the majority of these areas. Homeowners in these places can make enquiries about financial advice by clicking here.

Burslem Financial Advice Services

Find a Financial Advisor in Burslem Here
Financial Advice Enquiries in Burslem Staffordshire (01782)
  • Burslem Financial Advice Quotes
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  • Burslem Pension Advice
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Financial Advisor Jobs Burslem: Browse financial adviser jobs near Burslem by clicking here: Burslem Financial Advisor Jobs

To read local Burslem information look here

Independent financial advisor in ST5 area, phone code 01782.

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(This financial advisor Burslem information was reviewed and updated on 20-02-2024)