Financial Advisor Clayton-le-Woods

Clayton-le-Woods Independent Financial Advice & Investment

Financial Advisor Clayton-le-Woods Lancashire (PR6): Locating a reliable financial advisor advisor in the Clayton-le-Woods area can be an intimidating experience, especially if you are seeking financial advice for the very first time. Whether you are looking for mortgage, pension, investments or even insurance guidance, all qualified financial advisors are bound by one simple rule; they all have to adhere to the regulations of the FCA (Financial Conduct Authority). This comes with some guarantees, therefore after getting advice from a FCA authorised financial advisor in Clayton-le-Woods, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman, if anything goes wrong.

Free Clayton-le-Woods Financial Advisor Quotes

Recommendations from friends and family can be a good starting place in picking a financial advisor in Clayton-le-Woods, but bear in mind that their circumstances might be different to the type of advice you're looking for. Every financial advisor is not suitable for everybody, and their advice should be personalised to your unique situation. It pays to talk with at least three different companies when you're choosing a financial advisor, as this is a big decision, and you need to find one that you feel comfortable with and can trust, and check out the options they offer.

Financial Advisor Clayton-le-Woods Lancashire (PR6)

Restricted advisors and independent financial advisors, are the two principal types of financial advisor in Clayton-le-Woods. An independent financial advisor should not be confined to the services and products of a single provider. Independent financial advice must be provided in a frank and unbiased way and across the entire spectrum of financial companies and products. Using an independent financial advisor should permit you to select from the widest possible array of services. If you use a restricted financial advisor you will find that they could be limited to services and products of a particular provider, or as in the case of a mortgage advisor, might only be concerned with one individual product.

The Financial Conduct Authority demands that any financial advisor in Clayton-le-Woods must discuss their charges with you, before taking you on as a client. Based upon the type of product you are interested in, you could be charged by the hour, a set fee or perhaps even a percentage of your investment value. A free first consultation may be offered, so that you can discuss your aims and circumstances to see if the advisor is the right choice. In some bigger Clayton-le-Woods companies, you might find that your account is handled by a team as opposed to an individual.

Financial Advisors Clayton-le-Woods UK (01257

You will be required to complete a "Fact Find" document, which is a confidential disclosure form relating your desired goals and financial situation to the advising company. A Key Facts or Initial Disclosure Document will also be handed to you, providing details of the financial advisors themselves, explaining their scope of permissions in the financial sector and their situation for offering restricted or independent advice. If you aren't happy with the service provided, and wish to complain, this document will also set down your legal rights and the options you can take. It should be written in plain English and outline what you are signing up for, and any potential risks and benefits that exist if you decide to take the offered advice. The cooling-off period should also be fully explained in this document. Within a certain time period, this makes it possible for you to cancel the agreement with your financial advisor.

Make sure you check the qualifications and experience of your financial advisor the first time you talk to them. Do not be self-conscious about asking such questions, after all you are just about to entrust your financial future to their expertise. All financial advisors in Clayton-le-Woods must hold at least a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. Don't freak out if your financial advisor's name doesn't show up on the Financial Services Register, as long as the firm is on the register, their personnel are covered by the regulations. If they are unable to supply this proof, the person can't offer advice but is allowed to offer financial guidance. In terms of finance guidance is somewhat different to advice and isn't regulated in the same way. Therefore there is no recourse for either party if financial errors occur.

Financial Advisor Quotes in Clayton-le-Woods Lancashire

If you're needing advice on investments you'll be asked about the amount of risk you are comfortable with. Many investments carry some element of risk, but high risk investments could potentially offer substantial rewards, and also more chance of losing your capital. Your savings aims should be carefully considered if good quality investment advice is to be given, i.e. how rapidly you need to access your money, how much capital you want to invest and short or long term investments. "How much money can you actually afford to lose?" Is the one vital question that you should really be asking yourself. This is commonly called your capacity for loss and might influence the products and services that are offered to you.

Financial Advice Near Clayton-le-Woods Lancashire

From the outset, it is important to let your financial advisor know about any regular payments, investments, savings or mortgages that you have. To make certain that you receive the most suitable advice for you, they need a clear and full picture of your financial situation. Spreading the risk load across a number of different products by diversifying your savings and investments, is something that good financial advice should allow for. Having a knowledge of the best areas to consider, a competent financial advisor will favour products that match your goals and financial situation.

Communicating in the plainest speech possible, your financial advisor will unmask the multifaceted world of investment and finance. After learning about the various products and services which match your needs, you should be able to come to an informed and knowledgeable decision. You could maybe ask your financial advisor only to include ethical investment and savings schemes. This will allow you to support firms and organisations that match your concerns, e.g. renewable energy or zero carbon, or perhaps staying away from companies that don't meet your requirements.

Establishing a close working relationship with a financial advisor in Clayton-le-Woods could create problems with your work and other obligations. This can be alleviated by supplementing one-on-one meetings with video conferencing and telephone calls, hence allowing you to seek the advice you need at times that are convenient. Home and remote working is now a large part of our society, and a competent financial advice company in Clayton-le-Woods will have stringent measures in place to keep your details confidential and secure, even if you rarely have an in-person meeting with your advisor.


Investments can be a volatile area, and values can go down as easily as they go up. If your investment is not making the amount of money you hoped for, it can be quite demoralising and worrying. A downward spiral in your investment isn't a recognised cause for complaint, unless your financial advisor has given you misleading or wrong information.

Independent Financial Advisor Near Clayton-le-Woods (PR6)

Any disputes should start out with the firm's complaints procedure as described in the Key Facts Document. If the financial advisor is registered with the Financial Conduct Authority, you can let the Financial Ombudsman know about the issue if it remains unresolved within the timeframe set by the regulating authority.

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

Book a Financial Advisor in Clayton-le-Woods UK

Financial advice can be provided in Clayton-le-Woods and also in nearby places like: Pippin Street, Wheelton, Higher Wheelton, Brinscall, Brindle, Farington Moss, Heapey, Whittle-le-Woods, Midge Hall, Buckshaw Village, Bamber Bridge, Leyland, New Longton, Withnell, Farington, Thorpe Green, together with these postcodes PR5 8JP, PR5 8BT, PR25 5PA, PR5 8EN, PR25 5TY, PR25 5TX, PR5 8DP, PR5 8HR, PR25 5PR, PR25 5SG. Locally based Clayton-le-Woods financial advisors will most likely have the postcode PR6 and the telephone dialling code 01257 01772. Verifying this can confirm you access locally based financial advisers. Clayton-le-Woods property owners are able to benefit from these and lots of other finance related services.

Clayton-le-Woods Financial Advice Services

Financial Advice Tasks Clayton-le-Woods

There is a variety of services that are provided by your local Clayton-le-Woods financial advisor including financial services in Clayton-le-Woods, pension consolidation advice in Clayton-le-Woods, general financial planning, pension transfers in Clayton-le-Woods, ISA's, multi-asset portfolios, pension planning, personal protection Clayton-le-Woods, portfolio management, bridging finance, corporate bonds, critical illness cover, pension reviews in Clayton-le-Woods, mutual funds, investment advice, corporate financial planning, business protection in Clayton-le-Woods, independent financial advice Clayton-le-Woods, will writing services, death benefit advice, trusts, inheritance tax planning, personal pensions, ethical investments in Clayton-le-Woods, unit trusts, life insurance in Clayton-le-Woods, investment consolidation, pensions in divorce, mortgage services in Clayton-le-Woods, pension advice, and lots more. Listed are just some of the activities that can be carried out by a financial advisor. Clayton-le-Woods professionals will be happy to inform you of their entire range of services.

Financial Advice Enquiries Lancashire

Lancashire Financial Advice Enquiries

Recently posted Lancashire financial advice enquiries: Antonio and Harlow Lowe from Inskip recently asked about equity release. Emil and Indie Bradley in Brindle, Lancashire recently asked for information on financial planning. Rosemary Kershaw and Matthew Kershaw in Livesey, Lancashire recently asked for information on offshore investments. Mr and Mrs Ryan from Clayton le Dale, Lancashire recently enquired about investment bonds. Maia Lane in Eccleston, Lancashire recently enquired about life assurance. Mr and Mrs Giles from Rishton recently asked for information on offshore investments. Inaaya Higgs from Bickerstaffe recently asked about equity release. Izabella and Jac Sykes in Kirkham recently asked for information on equity release. Most of these local people searched for "Garden Fencing Lancashire" and located this webpage on either Google or a similar search engine.


Financial Advisors Near Clayton-le-Woods

Also find: Pippin Street financial advisers, Higher Wheelton financial advisers, Heapey financial advisers, Withnell financial advisers, Brindle financial advisers, Leyland financial advisers, Farington Moss financial advisers, Whittle-le-Woods financial advisers, Wheelton financial advisers, Midge Hall financial advisers, Farington financial advisers, Buckshaw Village financial advisers, Brinscall financial advisers, New Longton financial advisers, Thorpe Green financial advisers, Bamber Bridge financial advisors and more. All these areas are covered by local financial advisers. Clayton-le-Woods residents can get estimates by going here.

Clayton-le-Woods Financial Advice Services

Find a Financial Advisor in Clayton-le-Woods Here
Financial Advice Enquiries in Clayton-le-Woods Lancashire (01257
  • Clayton-le-Woods Estate Planning
  • Clayton-le-Woods Wealth Management
  • Clayton-le-Woods Tax Advice
  • Clayton-le-Woods Financial Services
  • Clayton-le-Woods Pension Advice
  • Clayton-le-Woods Retirement Advice
  • Clayton-le-Woods Trustee Investments
  • Clayton-le-Woods Mortgage Advice
  • Clayton-le-Woods Cheap Financial Advice
  • Clayton-le-Woods Cashflow Analysis
  • Clayton-le-Woods Life Insurance Advice
  • Clayton-le-Woods Inheritance Advice
  • Clayton-le-Woods Independent Financial Advice
  • Clayton-le-Woods Financial Advice Quotations

Financial Advisors Around Clayton-le-Woods: People living in the following areas have just recently requested financial advice - Brow Hey, Long Acre, Camellia Drive, West Drive, Pingle Croft, Pendle Road, Ash Field, Newby Drive, Magnolia Drive, Swansey Lane, Kent Drive, Willow Field, Carr Barn Brow, Whitethorn Close, The Heathers, Snowdrop Close, Bearswood Croft, Clayton Villa Fold, Well Orchard, Fiddler's Lane, Near Meadow, Mendip Road, Birch Avenue, Cam Wood Fold, The Heyes, Caton Close, Burghley Close, Lostock Meadow, Pear Tree Road, as well as these local Clayton-le-Woods postcodes: PR5 8JP, PR5 8BT, PR25 5PA, PR5 8EN, PR25 5TY, PR25 5TX, PR5 8DP, PR5 8HR, PR25 5PR, PR25 5SG. Folks living in these areas recently requested help from a financial advisor. Clayton-le-Woods residents enjoyed competent and top quality financial services on every occasion.

More Clayton-le-Woods Services: Not surprisingly, whenever you happen to be looking at your finances in Clayton-le-Woods, Lancashire, you'll likely need all kinds of different services and aside from a financial advisor in Clayton-le-Woods, Lancashire, you may also need solicitors in Clayton-le-Woods, bookkeeping in Clayton-le-Woods, accounting in Clayton-le-Woods, mortgage brokers in Clayton-le-Woods, mortgage advice in Clayton-le-Woods, family lawyers in Clayton-le-Woods, banruptcy lawyers in Clayton-le-Woods, contracts lawyers in Clayton-le-Woods, tax preparation in Clayton-le-Woods, estate planning in Clayton-le-Woods, debt recovery & collection in Clayton-le-Woods, business consulting in Clayton-le-Woods, investment advisors in Clayton-le-Woods, business financial planning in Clayton-le-Woods, wills & probate in Clayton-le-Woods, payroll services in Clayton-le-Woods, property law & conveyancing in Clayton-le-Woods, and other different Clayton-le-Woods experts.

For local Clayton-le-Woods info go here

Independent financial advisor in PR6 area, phone code 01257 01772.

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(This financial advisor Clayton-le-Woods information was reviewed and updated on 28-06-2022)