Financial Advisor Carrickfergus

Carrickfergus Independent Financial Advice & Investment

Financial Advisor Carrickfergus Northern Ireland (BT38): It can be a daunting experience trying to find a reliable independent financial advisor in Carrickfergus, in particular if it is the first time that you're in search of financial advice. Whether it is pensions, mortgage, investments or even insurance guidance that you are searching for, there's one common rule for all professional financial advisors; they must all observe FCA (Financial Conduct Authority) regulations. This comes with various guarantees, therefore after getting advice from a FCA certified financial advisor in Carrickfergus, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman, if anything goes awry.

Free Carrickfergus Financial Advisor Quotes

Friends and family recommendations can be a good starting place in selecting a financial advisor in Carrickfergus, but remember that their needs might be different to what you are looking for. Every financial advisor isn't suitable for everyone, and their advice needs to be tailored to your specific situation. To check out the options that they can provide and find a financial advisor that you can trust and feel at ease with, it is wise to chat to at least three different companies, because choosing a financial advisor is an important decision.

Financial Advisor Carrickfergus Northern Ireland (BT38)

There are 2 main types of financial advisor in Carrickfergus; restricted advisors and independent financial advisors (IFA). Offering a more diverse range of options, an IFA will not be limited to the products or services of a single provider. Independent financial advice should encompass the whole spectrum of financial companies and products, and must be given in an impartial way. This will enable you to select from the widest range of services to suit your needs. A restricted advisor could be tied to services and products from a specific company, or might even focus on a particular product, as in the case of a mortgage advisor.

Before any Carrickfergus financial advisor takes you on as a client, they're required by the Financial Conduct Authority to be fully transparent with you about their charges. You could be charged a set fee, by the hour or possibly even a specific percentage of your investment, determined by services you're looking for. To discuss your aims and see if the advisor is suitable for you and your circumstances, you might be offered the possibility of a free first consultation. Your account could be looked after by a team rather than a single advisor, if you decide to use one of the larger Carrickfergus companies.

Financial Advisors Carrickfergus UK (028 93)

You'll need to complete a "Fact Find" form, which is a confidential disclosure document relating your desired goals and financial situation to the advising firm. An Initial Disclosure, or Key Facts Document will also be handed to you, to provide information regarding the financial advisors themselves, detailing their scope of permissions in the financial market and their status to offer restricted or independent advice. This document should also set down your own rights and your options if you are not satisfied with the service provided, and need to complain. It should be written in plain English and detail what you're committing yourself to, and any potential risks and benefits that exist if you opt to accept the offered advice. This document must also inform you of the level of cooling-off period. Within a specific number of days, this allows you to cancel the agreement with your financial advisor.

When speaking with the financial advisor initially ensure that you check their qualifications and experience. Asking these questions should not be a cause for embarrassment, because after all you are about to entrust them with your financial future. A Level 4 qualification is the minimum required qualification for any financial advisor in Carrickfergus, and they must also be in a position to show an annual Statement of Professional Standing. When checking the Financial Services Register, don't freak out if your particular financial advisor's name does not appear on there; you should be able to locate the company name, and this means that the legislation covers all of their employees. If they are unable to provide this evidence, the individual can't offer advice but is able to offer financial guidance. Guidance isn't subject to regulations in the same way as financial advice, meaning that if mistakes occur the client won't have any recourse.

Financial Advisor Quotes in Carrickfergus Northern Ireland

You will be asked the level of risk you're ready to accept, if you are seeking advice on investing money. Higher rewards might be possible with high risk investments, however you may also lose some or all of your cash. Decent financial and investment advice should take into account your savings goals, i.e. how quickly you need to access your money, how much you wish to invest and short or long term investments. One question you should ask yourself, which is usually overlooked, is just how much you can really afford to lose. Generally referred to as your capacity for loss, this will most likely affect the services and products that you're offered.

Financial Advice Near Carrickfergus Northern Ireland

Right from the start, it is crucial that you tell your financial advisor about any mortgages, savings, investments or regular payments that you currently have. They'll need this information, so they can get a picture of your finances and give the best advice for you. Sound financial advice should include diversifying your investments and savings by spreading the risk load across different products. Having an understanding of the best areas to consider, a competent financial advisor will focus attention on products that match your financial situation and goals.

Communicating in the clearest possible way, your financial advisor will unmask the multifaceted world of investment and finance. After comparing the services and products which match your needs, you should be in a position to come to an informed and deliberative decision. If you are environmentally minded, you could even ask your advisor to stick to ethical investments and savings. This does not just give you investment opportunities, but also enables you to lend your support to renewable energy or zero carbon projects, and stay clear of businesses that do not share the same values.

Working together with your financial advisor in Carrickfergus can be difficult to fit in around your work life and other responsibilities. To allow you to seek advice at times that suit you, one-on-one appointments can be supplemented with video conferencing and telephone. Remote and home working is now so common, and a competent financial advice firm in Carrickfergus will have strict measures in place to ensure your details are kept confidential and secure, even if you hardly ever have an in-person meeting with your advisor.


Investments can be a volatile area, and their values can go down as easily as they go up. If your investment fails to make the amount of money you were hoping for, it can be quite stressful and demoralising. Regrettably, a downward trend in your investment isn't seen as a grounds for complaint, except if it is due to incorrect or misleading information from your financial advisor.

Independent Financial Advisor Near Carrickfergus (BT38)

As detailed in the Key Facts Document, any disputes should start out with the firm's complaints procedure. If the matter remains unsolved within the period set out by the regulating authority, and the financial advisor is a member of the Financial Conduct Authority, you can advise the Financial Ombudsman.

The Financial Ombudsman will make a ruling after independently reviewing the cause for complaint. If it's established that the complaint is legitimate, a decision will be made on how the client can be compensated. This will become a legally binding decision once it has been agreed on by the client, and the financial advisor and their firm must abide by the ruling. Any upset, distress, hassle and inconvenience caused to the customer during the process, will be considered when the Ombudsman fixes the level of compensation.

Book a Financial Advisor in Carrickfergus UK

Financial advice can be provided in Carrickfergus and also in nearby places like: Straid, Bangor, Moorfields, Doagh, Ballyclare, Newtownabbey, Ballynure, Whitehead, Ballymena, Parkgate, Templepatrick, Ballycarry, Greenisland, Larne, Island Magee, Glengormley, and in these postcodes BT38 7HJ, BT38 7DG, BT38 7AG, BT38 7RB, BT38 7PH, BT38 7QA, BT38 7JR, BT38 0SG, BT38 7BA, BT38 7GX. Local Carrickfergus financial advisers will most likely have the postcode BT38 and the dialling code 028 93. Click the "enquiry" banner to get details about financial advisors in your location.

Carrickfergus Financial Advice Services

Financial Advice Tasks Carrickfergus

There are a whole host of services that can be provided by your local Carrickfergus financial advisor including investment plans, will writing services, financial planning, pension transfers, pension consolidation advice, cashflow analysis, general financial planning in Carrickfergus, retirement planning in Carrickfergus, corporate financial planning, unit trusts, life assurance, pension advice in Carrickfergus, corporate bonds, life insurance, family income benefit in Carrickfergus, independent financial advice, offshore investment advice, divorce planning, mutual funds, investment planning, ethical investments Carrickfergus, trusts Carrickfergus, annuity purchases in Carrickfergus, pension planning Carrickfergus, long term care fee advice, and lots more.

Northern Ireland Financial Advisors

Carrickfergus Financial Advice Services BT38 Advisor Financial Advisor 028 93 Financial Investment Advice Northern Ireland Advisers Advisors

In the Northern Ireland area you will also discover: Richhill investment advisors, Eglinton financial advice, Coalisland financial advisors, Ballygowan financial advisors, Armagh investment advice, Ahoghill investment advice, Crumlin financial advisors, Greenisland financial advice, Ballyclare financial advice, Millisle investment advisors, Bessbrook financial advice, Ballymoney investment advisors, Warrenpoint investment advice, Glenavy financial advisors, Comber investment advice, Rostrevor financial advice, Downpatrick investment advice, Dromore investment advisors, Comber investment advisors, Gilford investment advice, Carryduff investment advice, Dollingstown financial advisors, Ballycastle financial advisors, Markethill investment advisors, Rostrevor investment advice, Whitehead investment advisors, Crumlin investment advice, Springvale investment advice.

Financial Advice Enquiries Northern Ireland

Northern Ireland Financial Advice Enquiries

Latest Northern Ireland financial advice enquiries: Matilda Kell and Dilan Kell from Broughshane, Northern Ireland recently enquired about pension advice. Ananya Curtis and Victor Curtis from Draperstown recently enquired about getting financial advice. Ezra Mair and Aairah Mair from Dungannon, Northern Ireland recently asked for information on equity release. Estelle Sinclair from Larne recently enquired about family income benefit. Woody Keenan from Banbridge, Northern Ireland recently enquired about investment advice. Mr and Mrs Compton from Cookstown, Northern Ireland recently asked for information on financial planning. Theodore Lunt from Antrim, Northern Ireland recently asked for information on investment bonds. Aiden Cohen and Katelyn Cohen from Dollingstown recently asked for information on family income benefit.

Skills and Knowledge Needed by Financial Advisors

  • To pay attention to detail and be thorough.
  • To have good IT skills.
  • To have excellent time management skills.
  • An outstanding level of mathematical knowledge for creating financial plans.
  • A solid knowledge of accounting and economics relating to financial markets and products.
  • Effective skills in customer service for determining customer needs and requirements.
  • The ability to sell financial products and services.
  • Good skills in verbal communication.
  • Attentive interpersonal and listening skills.
  • To have the ability to network and build relationships with clients.
  • Excellent business management skills for the negotiation of product prices.

Financial Advisors Near Carrickfergus

Also find: Parkgate financial advisors, Straid financial advisors, Bangor financial advisors, Whitehead financial advisors, Ballyclare financial advisors, Ballycarry financial advisors, Templepatrick financial advisors, Ballymena financial advisors, Moorfields financial advisors, Ballynure financial advisors, Island Magee financial advisors, Greenisland financial advisors, Larne financial advisors, Glengormley financial advisors, Newtownabbey financial advisors, Doagh financial advisors and more.

Carrickfergus Financial Advice Services

Find a Financial Advisor in Carrickfergus Here
Financial Advice Enquiries in Carrickfergus Northern Ireland (028 93)
  • Carrickfergus Pension Advice
  • Carrickfergus Financial Advice Quotations
  • Carrickfergus Financial Advice
  • Carrickfergus Inheritance Advice
  • Carrickfergus Cheap Financial Advice
  • Carrickfergus Cashflow Analysis
  • Carrickfergus Trustee Investments
  • Carrickfergus Life Insurance Advice
  • Carrickfergus Retirement Planning
  • Carrickfergus Estate Planning
  • Carrickfergus Tax Advice
  • Carrickfergus Financial Services
  • Carrickfergus Wealth Management
  • Carrickfergus Investment Advice

More Carrickfergus Services: Obviously, whenever you're looking at your finances in Carrickfergus, Northern Ireland, you are likely to need all types of different services and along with a financial advisor in Carrickfergus, Northern Ireland, you might also need mortgage advice in Carrickfergus, business consulting in Carrickfergus, property law & conveyancing in Carrickfergus, investment advisors in Carrickfergus, tax preparation in Carrickfergus, debt recovery & collection in Carrickfergus, accountants in Carrickfergus, family lawyers in Carrickfergus, estate planning in Carrickfergus, wills & probate in Carrickfergus, contracts lawyers in Carrickfergus, business financial planning in Carrickfergus, mortgage brokers in Carrickfergus, solicitors in Carrickfergus, payroll services in Carrickfergus, bookkeeping in Carrickfergus, banruptcy lawyers in Carrickfergus, and other different Carrickfergus experts.

Financial Advisors Around Carrickfergus: In the last twelve months financial advice was provided in the following Carrickfergus streets: Governors Place, Bellahill Road, Meadowbank, Model Avenue, Sunnylands Drive, Glynn Walk, Granville Drive, Victoria Rise, Red Fort Park, Collin Heights, Hillview Grove, Prospect Link, Woodlawn Court, Carrickburn Mews, Alexander Gardens, Prospect Loanen, Downshire Road, North Road, Windslow Court, Princes Way, Brackenridge, Chichester Square, Coates Gardens, Woodlawn Avenue, Market Place, Cypress Place, Copperwood Road, Oakwood Road, Broadlands Gardens, and in these Northern Ireland postcodes: BT38 7HJ, BT38 7DG, BT38 7AG, BT38 7RB, BT38 7PH, BT38 7QA, BT38 7JR, BT38 0SG, BT38 7BA, BT38 7GX.

To find local information about Carrickfergus, Northern Ireland take a look here

Independent financial advisor in BT38 area, and dialling code 028 93.

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