Financial Advisor Carlisle

Carlisle Independent Financial Advice & Investment

Financial Advisor Carlisle Cumbria (CA1): Finding a good financial advisor advisor in the Carlisle area can be a daunting experience, especially if you are needing financial advice for the first time. Whether you're looking for investments, pensions, mortgage or even insurance guidance, all professional financial advisors have one thing in common; they must all observe the regulations laid down by the Financial Conduct Authority. Any advice given through a FCA registered financial advisor in Carlisle comes with certain guarantees that if anything should go wrong, you can contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Free Carlisle Financial Advisor Quotes

When selecting a financial advisor in Carlisle, a good place to start could be relatives and friends, but you must keep in mind that your situation might not be in line with theirs, and you may need a different kind of advice. Every financial advisor isn't suitable for everybody, and their advice should be adapted to your unique situation. Picking the right financial advisor is crucial and it is wise to talk with at least 3 different firms in order to investigate the various options they can provide, and to find one that you feel comfortable with and can trust.

Financial Advisor Carlisle Cumbria (CA1)

When you're looking to pick a financial advisor in Carlisle, there are essentially 2 principal types; restricted advisors and independent financial advisors (IFA). An IFA should not be restricted to just one provider's products and services. Encompassing the full spectrum of financial companies and products, independent financial advice should be given in an unbiased and impartial way to clientele. If you decide to use an IFA, you will be able to choose from the widest possible range of services, so as to find the right solution for you. A restricted advisor might be focused on an individual product, such as a mortgage advisor, or be limited to services and products from a specific company.

The Financial Conduct Authority requires that any Carlisle financial advisor must discuss their charges with you, before accepting you as a client. You may be charged a set fee, by the hour or perhaps even a specific percentage of your investment value, dependant upon type of product you are interested in. To allow you to discuss your objectives and see if the advisor is suitable for your situation, you will sometimes be offered a free preliminary consultation. If you use one of the larger Carlisle firms, your account may be handled by a team of advisors rather than just one person.

Financial Advisors Carlisle UK (01228)

Before any actual advice is given you will be asked to fill out a confidential disclosure document, called a "Fact Find" form, which tells the advising company about your ambitions and financial situation. To provide information about the financial advisor, their status to offer independent or restricted advice and the scope of their permissions in the financial market, you'll also be handed a Key Facts Document, or Initial Disclosure Document. If you're not happy with the service provided, and wish to make a complaint, this document should also lay out your rights and the possible options you can take. It should detail precisely what you're signing up for, and any potential benefits and risks if you decide to accept the advice offered, and it must be written in plain English. The level of cooling-off period should also be spelled out in this Key Facts Document. Within a specific time period, this enables you to cancel the agreement.

The very first time you're speaking to the financial advisor ensure that you check what experience and qualifications they have. You should not be embarrassed about asking these questions, after all you're on the verge of entrusting your financial future to their skill. A Level 4 qualification in financial advice is the minimum qualification for any financial advisor in Carlisle, and they must also be in a position to present you with an annual Statement of Professional Standing. When you check the Financial Services Register, don't panic if your financial advisor's name does not appear on there; you will probably find the firm name, and that means the legislation covers all of their advisors. If these cannot be presented the individual can still offer financial guidance rather than advice. Guidance differs to advice as it isn't regulated, and if errors are made there may be no recourse to the client.

Financial Advisor Quotes in Carlisle Cumbria

If it is investing money that you are interested in, the advisor will want to know the amount of risk you might be ready to take with your hard-earned money. Higher risk investments may potentially offer higher rewards, but some or all of your money could be lost. In order to get the very best financial and investment advice, your savings aims will have to be carefully considered, i.e. how much you wish to invest, long or short term investments and how rapidly you need to access your money. You should always ask yourself the one vital question, how much can you really afford to lose. Generally referred to as your capacity for loss, this will most likely affect the products and services that you're offered.

Financial Advice Near Carlisle Cumbria

From the outset, it is crucial that you let your financial advisor know about any existing investments, savings accounts, mortgages or regular outgoings that you currently have. They will need these details, so they can get a picture of your financial situation and give the appropriate advice for you. The diversification of your savings and investments by spreading the risk across different products, is a crucial part of reliable financial advice. Having an understanding of the best areas to consider, a competent financial advisor will focus attention on products that fit in with your goals and financial situation.

Communicating in the clearest possible way, your financial advisor will reveal the complex world of investment and finance. This will enable you to compare products and services that match your needs, and come to an informed decision. If environmental issues are important to you, you could perhaps ask that ethical savings and investment schemes take precedence. You will then be able to steer clear of corporations that firms meet your requirements, but instead support those enterprises and companies that address your concerns, for example zero carbon or green energy.

Working together with a financial advisor in Carlisle can be challenging to fit in around your work day and other commitments. This can be alleviated by supplementing face-to-face appointments with phone calls and video conferencing, thus allowing you to seek the guidance you need at a convenient time. An established financial advice provider in Carlisle will have rigorous measures in place to ensure your details are kept confidential and secure, even if you never have a one-on-one meeting with your advisor, because remote and home working is no longer unusual.


Investment values could fall as well as rise, and this is a factor that you have to remember. It can be very worrying and demoralising if your investment fails to make as much money as you were hoping for. However, unless it is because of misleading or wrong information from your advisor a downward spiral in your investment is not a recognised cause for complaint.

Independent Financial Advisor Near Carlisle (CA1)

Any grievances should start out with the firm's official complaints procedure as described in the Key Facts Document. If the issue remains unresolved within the time set out by the regulating authority, and your advisor is registered with the FCA, you can advise the Financial Ombudsman.

The Financial Ombudsman will make a ruling after reviewing the cause of the complaint independently. A decision will be made on how to financially compensate the client, if the complaint is upheld. Once the ruling is accepted by the customer it becomes a legally binding decision which the advisor and their firm, must abide by. The Financial Ombudsman will also take into account any inconvenience, hassle, upset and distress caused to the client during the dispute, and establish the level of compensation accordingly.

Book a Financial Advisor in Carlisle UK

Financial advice can be provided in Carlisle and also in nearby places like: Warwick Bridge, Currock, Caldewgate, Belle Vue, Morton, Rickerby, Garlands, Edentown, Kingmoor, Scotby, Crosby on Eden, Etterby, Stanwix, Botcherby, Carleton, Longsowerby, and in these postcodes CA1 1JA, CA1 1DQ, CA1 2DL, CA1 1PN, CA1 1DE, CA1 2DZ, CA1 1LR, CA1 2BL, CA1 1SW, CA1 1BJ. Locally based Carlisle financial advisers will most likely have the phone code 01228 and the postcode CA1. Checking this can ensure you're accessing local financial advisers. Carlisle property owners are able to benefit from these and countless other related services. Simply click the "enquiry" banner to get details about financial advisors in your area.

A Financial Advisor's Daily Duties

  • Updating customers about their investments.
  • Producing comprehensive financial reports.
  • Recommending the financial products that are best-suited to customers.
  • Providing counselling, consultation and education regarding investments and finances.
  • Speaking to clients regarding their plans and finances.
  • Meeting performance and sales targets.
  • Collaborating with financial product providers.
  • Keeping fully abreast of new financial products and regulation changes.
  • Working in conjuction with colleagues to collect trends, statistics and market information.
  • Keeping a record of potential clients and transactions.

Carlisle Financial Advice Services

Financial Advice Tasks Carlisle

There is a variety of services that are provided by your local Carlisle financial advisor including general financial planning in Carlisle, annuities in Carlisle, mortgage financial planning, independent financial advice in Carlisle, death benefits Carlisle, investment consolidation advice, ethical investment advice in Carlisle, investing an inheritance, business planning, pension consolidation advice in Carlisle, business protection, corporate bonds, saving for children, portfolio management, will writing services, long term care fee planning, retirement planning, savings advice, investment bonds Carlisle, cash flow modelling in Carlisle, pension advice, investment advice, pension drawdowns, life assurance, trustee investment services in Carlisle, family income benefit in Carlisle, money planning, bridging finance Carlisle, corporate financial planning Carlisle, tax advice, and more. These are just a selection of the duties that can be carried out by a financial advisor. Carlisle professionals will keep you informed about their entire range of services.


Financial Advisors Near Carlisle

Also find: Etterby financial advisors, Belle Vue financial advisors, Morton financial advisors, Rickerby financial advisors, Stanwix financial advisors, Botcherby financial advisors, Longsowerby financial advisors, Caldewgate financial advisors, Scotby financial advisors, Kingmoor financial advisors, Currock financial advisors, Carleton financial advisors, Garlands financial advisors, Edentown financial advisors and more. Financial advisors are available for consultation services in most of these areas. Home and business owners in the area can make enquiries about financial advice by going here.

Carlisle Financial Advice Services

Find a Financial Advisor in Carlisle Here
Financial Advice Enquiries in Carlisle Cumbria (01228)
  • Carlisle Wealth Management
  • Carlisle Independent Financial Advice
  • Carlisle Cheap Financial Advice
  • Carlisle Pension Advice
  • Carlisle Estate Planning
  • Carlisle Trustee Investments
  • Carlisle Financial Advice Quotes
  • Carlisle Inheritance Advice
  • Carlisle Investment Advice
  • Carlisle Life Insurance Advice
  • Carlisle Financial Services
  • Carlisle Retirement Advice
  • Carlisle Tax Advice
  • Carlisle Corporate Financial Planning

More Carlisle Services: Needless to say, whenever you're looking at your finances in Carlisle, Cumbria, you will likely need all sorts of different services and together with a financial advisor in Carlisle, Cumbria, you may additionally need business consulting in Carlisle, estate planning in Carlisle, bookkeepers in Carlisle, will writing in Carlisle, solicitors in Carlisle, mortgage brokers in Carlisle, tax preparation in Carlisle, investment advisors in Carlisle, contracts lawyers in Carlisle, family lawyers in Carlisle, mortgage advice in Carlisle, banruptcy lawyers in Carlisle, accounting in Carlisle, business financial planning in Carlisle, debt recovery & collection in Carlisle, property law & conveyancing in Carlisle, payroll services in Carlisle, and other different Carlisle experts.

To get local Carlisle info look here

Independent financial advisor in CA1 area, telephone code 01228.

TOP - Financial Advisor Carlisle

Financial Advice Carlisle - Business Financial Advisors Carlisle - Life Insurance Carlisle - Independent Financial Advisor Carlisle - Pension Advisors Carlisle - Investment Advisors Carlisle - Cheap Financial Advice Carlisle - Financial Planning Carlisle - Financial Advice Quotes Carlisle


(This financial advisor Carlisle article was reviewed and updated on 20-02-2024)