Financial Advisor Clayton-le-Moors

Clayton-le-Moors Independent Financial Advice & Investment

Financial Advisor Clayton-le-Moors Lancashire (BB5): It can be an intimidating experience trying to find a decent independent financial advisor in Clayton-le-Moors, especially if it is the first time that you are in search of financial advice. Whether it's mortgage, investment, pensions or even insurance guidance that you're looking for, there's one common rule for all financial advisors; they must all observe Financial Conduct Authority regulations. The advantage of this is that if a financial advisor who is FCA registered gives you bad advice, and things go wrong, you have guarantees, and are able to get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to get things put right.

Free Clayton-le-Moors Financial Advisor Quotes

When selecting a financial advisor in Clayton-le-Moors, a decent starting point could be neighbours and friends, however you must remember that your circumstances might not be in line with theirs, and you may be in need of a different type of advice. Financial advice needs to be individually tailored to your particular situation, and you will discover that some financial advisors may not be suitable for your requirements. Selecting a financial advisor is an important decision and it pays to talk to at least 3 different companies in order to explore the options they can offer, and to find one that you feel comfortable with and can trust.

Financial Advisor Clayton-le-Moors Lancashire (BB5)

When you are looking to pick a financial advisor in Clayton-le-Moors, there are two main types; independent financial advisors (IFA) and restricted advisors. The good thing about seeing an independent financial advisor is that they should not be confined to the services or products of a single company, and can offer a wide range of options. Covering the full spectrum of financial companies and products, independent financial advice must be given in an unbiased and impartial way to clients. If you opt to use an independent financial advisor, you'll be able to choose from the widest possible array of products, so as to find the ideal solution for your needs. A restricted financial advisor might be concerned with an individual product, as with a mortgage advisor, or be limited to services and products from a particular company.

The Financial Conduct Authority demands that any financial advisor in Clayton-le-Moors must discuss their charges with you, before taking you on as a client. Contingent on the kind of services you are interested in, you could be charged a set fee, by the hour or possibly even a percentage of your investment value. To enable you to discuss your objectives and determine whether the advisor is suitable for your circumstances, a free preliminary consultation might be offered. If you use one of the bigger Clayton-le-Moors firms, your account might be managed by a team of advisors rather than just one person.

Financial Advisors Clayton-le-Moors UK (01254)

To describe your financial situation and desired goals to the advising company, you'll be required to fill out a "Fact Find" document, which is a confidential disclosure form. You will also be given an Initial Disclosure, or Key Facts Document, which gives you information about the financial advisor, their status to offer restricted or independent advice and the scope of their permissions in the financial market. This document will also set down your own legal rights and your options if you're not happy with the service provided, and want to complain. It must be easy to understand, written in plain English, and outline precisely what you are signing up for, together with the risks and benefits of going along with the advice. This document should also inform you of the cooling-off period. This permits you to cancel your agreement with the financial advisor within a certain time frame, and whenever any penalties are incurred.

You'll want to check what experience and qualifications the financial advisor has when you first speak to them. You needn't be embarrassed about asking such questions, after all you're on the verge of entrusting your financial future to their expertise. Every Clayton-le-Moors financial advisor must be in a position to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. When you check the Financial Services Register, you should not freak out if your specific financial advisor's name does not appear on there; you should be able to find the firm name, and this means that the legislation covers all of their advisors. If these can't be presented the person can still offer financial guidance as opposed to financial advice. Guidance is different to advice as it's not regulated in the same way, and if errors occur there will likely be no recourse to the client.

Financial Advisor Quotes in Clayton-le-Moors Lancashire

You will be asked the level of risk you are ready to take on, if you are seeking advice on investing money. Higher risk investments could offer bigger rewards, however some or all of your money could be lost. In order to get the most beneficial financial and investment advice, your savings aims must be carefully considered, i.e. how rapidly 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 frequently neglected, is how much money you can afford to lose. This is referred to as your 'capacity for loss' and could affect the services and products that are offered to you.

Financial Advice Near Clayton-le-Moors Lancashire

If you've already got any existing personal savings, regular outgoings, investments or mortgage loans, you have to tell your financial advisor about these. This will give a clear picture of your current financial circumstances, and without this the advice you get may not be the best for you. Diversifying your investments and savings by spreading the risk across various different products, is an essential part of good quality financial advice. With an understanding of the best areas to consider, a seasoned financial advisor will concentrate on products that most closely match your financial circumstances and goals.

A financial advisor will unmask the complex world of finance, and speak in the clearest possible way. You should be able to make an informed decision when you have compared the various services and products that meet your needs. If the environment is important to you, you could even ask that ethical savings and investments take precedence. This allows you to lend support to companies and enterprises which address your concerns, e.g. green energy or zero carbon, or perhaps staying away from businesses that do not meet your criteria.

Working closely with a financial advisor in Clayton-le-Moors can be tricky to manage around your work day and other commitments. One-on-one appointments can be supplemented with telephone and video conferencing to enable you to seek advice at times that suit you. A competent financial advice provider in Clayton-le-Moors will have strict measures in force to ensure your details are kept secure and confidential, even if you rarely have a one-on-one meeting with your personal advisor, because remote and home working is no longer unusual.


The value of your investments can drop as well as rise, and this is a factor that you have to bear in mind. It can be extremely disheartening and stressful if your investment fails to make as much money as you hoped for. Your investment having a downward trend isn't a recognised grounds for complaint, unless your financial advisor has given you incorrect or misleading information.

Independent Financial Advisor Near Clayton-le-Moors (BB5)

The company's complaints procedure should be the starting point for any grievances, and the Key Facts Document will explain this. You can inform the Financial Ombudsman of the problem if it remains unresolved within the time-frame laid down by the regulating body, and your advisor is registered with the Financial Conduct Authority.

After independently reviewing the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. A decision is made on how to financially compensate the client, if the complaint is justified. This becomes legally binding once it has been accepted by the client, and the financial advisor and their firm must abide by the ruling. Any trouble, distress, inconvenience and upset caused to the client during the situation, will be considered when the Financial Ombudsman establishes the level of compensation.

Book a Financial Advisor in Clayton-le-Moors UK

Financial advice can be provided in Clayton-le-Moors and also in nearby places like: Altham, Scaitcliffe, Ormskirk, Great Harwood, Ramsgreave, Altham West, Church, Blackburn, Cliffe, Whalley, Simonstone, Accrington, Baxenden, Rishton, Rising Bridge, Huncoat, Oswaldtwistle, and in these postcodes BB5 5SA, BB5 5NA, BB5 5QA, BB5 5TD, BB5 5NE, BB5 5QU, BB5 5JA, BB5 5GN, BB5 5TW, BB5 5DT. Local Clayton-le-Moors financial advisors will most likely have the postcode BB5 and the telephone code 01254. Verifying this should ensure that you access locally based financial advisers. Clayton-le-Moors homeowners can benefit from these and lots of other comparable services.

Lancashire Financial Advice Enquiries

Lancashire Financial Advice Enquiries

Latest Lancashire financial advice enquiries: Mr and Mrs Hind from Barnoldswick recently asked for information on offshore investments. Tia Coates from Coppull recently asked about life assurance. Tanisha Tuck from Whittle le Woods, Lancashire recently asked for information on family income benefit. Cain Shah from Old Langho recently enquired about life assurance. Kasper and Cerys Iles in Ightenhill recently asked about financial planning. Lena Bonner in Whittingham recently asked for information on equity release. Dougie Locke and Brooke Locke from Haslingden recently asked for information on investment bonds. Haleema Mcgrath and Darius Mcgrath in Sabden, Lancashire recently asked for information on investment bonds. All these local residents did a search for "financial advisor Lancashire" and discovered this page on Google or some similar search engine.

Clayton-le-Moors Financial Advice Services

Financial Advice Tasks Clayton-le-Moors

There are a wide range of services which can be provided by your local Clayton-le-Moors financial advisor including business financial planning, life insurances, cashflow analysis, long term care fee planning, pension transfer advice Clayton-le-Moors, personal protection in Clayton-le-Moors, cheap financial advice, multi-asset portfolios, money planning, corporate financial planning, investment planning, life assurance advice Clayton-le-Moors, retirement planning in Clayton-le-Moors, pension consolidation advice, pension planning, ISA's, pension drawdowns in Clayton-le-Moors, ethical investment advice, annuity purchases, familt controlled trusts, investment consolidation advice Clayton-le-Moors, wealth management & investments, unit trusts, corporate bonds, offshore investment advice, divorce financial planning, death benefits in Clayton-le-Moors, saving for children, will writing services, business protection, and lots more. These are just an example of the duties that can be undertaken by a financial advisor. Clayton-le-Moors professionals will inform you of their full range of financial services.

Financial Advisors Lancashire

Services Financial Advisor Investment Advisors BB5 Financial Advice Clayton-le-Moors Advisers Financial Lancashire Advisor Advice 01254

In the Lancashire area you'll additionally find: Padiham financial advice, Wrea Green financial advice, New Longton financial advisors, Wrea Green financial advisors, Chatburn financial advice, Burscough investment advice, Clitheroe financial advisors, Myerscough investment advice, Eccleston financial advisors, Mellor investment advisors, Carnforth financial advisors, Grimsargh investment advisors, Hutton financial advice, Bacup investment advisors, Ribchester investment advisors, Rufford investment advisors, Newton with Scales financial advice, Staining investment advisors, Barnoldswick financial advisors, Edenfield financial advice, Ribbleton financial advisors, Croston investment advisors, Anderton financial advice, Bamber Bridge investment advisors, North Turton investment advisors, Wesham financial advice, Elswick financial advisors, Edgworth financial advisors.


Financial Advisors Near Clayton-le-Moors

Also find: Accrington financial advisers, Scaitcliffe financial advisers, Ramsgreave financial advisers, Rising Bridge financial advisers, Huncoat financial advisers, Ormskirk financial advisers, Cliffe financial advisers, Whalley financial advisers, Great Harwood financial advisers, Oswaldtwistle financial advisers, Simonstone financial advisers, Church financial advisers, Baxenden financial advisers, Altham financial advisers, Altham West financial advisers, Rishton financial advisers, Blackburn financial advisors and more. All these areas are covered by local financial advisers. Clayton-le-Moors residents can get quotes by clicking here.

Clayton-le-Moors Financial Advice Services

Find a Financial Advisor in Clayton-le-Moors Here
Financial Advice Enquiries in Clayton-le-Moors Lancashire (01254)
  • Clayton-le-Moors Corporate Financial Planning
  • Clayton-le-Moors Retirement Advice
  • Clayton-le-Moors Cashflow Analysis
  • Clayton-le-Moors Mortgage Advice
  • Clayton-le-Moors Pension Advice
  • Clayton-le-Moors Life Insurance Advice
  • Clayton-le-Moors Independent Financial Advice
  • Clayton-le-Moors Cheap Financial Advice
  • Clayton-le-Moors Estate Planning
  • Clayton-le-Moors Tax Advice
  • Clayton-le-Moors Trustee Investments
  • Clayton-le-Moors Financial Services
  • Clayton-le-Moors Inheritance Advice
  • Clayton-le-Moors Investment Advice

Financial Advisors Around Clayton-le-Moors: Financial advice has recently been provided in these Clayton-le-Moors roads and streets - Oakenshaw Croft, Cross Street, Spring Hall, Corn Mill Yard, Barden Croft, Church Street, Ellison Fold, Lower Barnes Street, Walmsley Court, Trout Beck, Mill Entrance, Brigg Field, Sparth Road, Charles Street, Barnes Square, Winster Court, Moor Street, Grange Street, Lodgeside, Freshfield Avenue, St Mary's Court, Victor Street, Alma Street, Maple Street, Victoria Street, Collingwood, Pendle Avenue, as well as the following Clayton-le-Moors area postcodes: BB5 5SA, BB5 5NA, BB5 5QA, BB5 5TD, BB5 5NE, BB5 5QU, BB5 5JA, BB5 5GN, BB5 5TW, BB5 5DT. Folks residing in these areas recently required help from a financial advisor. Clayton-le-Moors residents were given trusted and reliable financial services.

To read local information regarding Clayton-le-Moors, Lancashire take a look here

Clayton-le-Moors Financial Advisor Jobs: See financial adviser jobs in Clayton-le-Moors by going here: General Financial Advisor Jobs

Independent financial advisor in BB5 area, phone code 01254.

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(This financial advisor Clayton-le-Moors article was successfully updated on 01-09-2022)