Financial Advisor Coleraine

Coleraine Independent Financial Advice & Investment

Financial Advisor Coleraine Northern Ireland (BT51): It can be a challenging experience trying to find a reliable financial advisor advisor in the Coleraine area, particularly if it's the very first time that you are in search of financial advice. Whether you're looking for investments, mortgage, pension or even insurance advice, all qualified financial advisors are bound by one simple rule; they all have to stick to the regulations set by the Financial Conduct Authority. Any advice given from a FCA registered financial advisor in Coleraine comes with guarantees that should anything go awry, you can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.

Free Coleraine Financial Advisor Quotes

When selecting a financial advisor in Coleraine, a decent starting point could be neighbours and friends, however you must bear in mind that your circumstances might not be in line with theirs, and you might need a different type of advice. Their advice needs to be tailored to your specific circumstances, and not every financial advisor is suitable for everyone. Picking a financial advisor is an important decision and it pays to talk with at least three different firms in order to check out the various options they offer, and to find one you can trust and feel at ease with.

Financial Advisor Coleraine Northern Ireland (BT51)

Restricted advisors and independent financial advisors, are the two principal kinds of financial advisor in Coleraine. The advantage of using an independent financial advisor is that they should not be restricted to just one company's products or services, and can offer a more diverse range of options. Independent financial advice must be provided in an unbiased way and should cover the whole spectrum of financial companies and products. This will enable you to pick from the widest range of products to meet your needs. A restricted advisor may be focused on an individual product, as with a mortgage advisor, or be limited to products and services from a particular company.

Before taking you on as a client, any Coleraine financial advisor must discuss their charges with you, as demanded by the FCA. Although it varies dependant upon the kind of product you are looking for, there could be an hourly rate, a set fee, or you may even be charged a specific percentage of the money you are investing. You could be offered a free first consultation to enable you to discuss your aims and determine whether the advisor is a right fit for your circumstances. Your account might be looked after by a team rather than one individual advisor, if you elect to go with one of the larger Coleraine companies.

Financial Advisors Coleraine UK (028)

Before any actual financial advice is handed out you'll be asked to fill in a confidential disclosure document, known as a "Fact Find" form, which informs the advising firm about your desired goals and financial situation. To provide information on the financial advisor, their situation for offering independent or restricted advice and their scope of permissions in the financial sector, you'll also be handed a Key Facts Document, or Initial Disclosure Document. If you're not happy with the service, and wish to make a complaint, this document will also lay out your own legal rights and your options. It should describe exactly what you're committing yourself to, and any potential risks and benefits should you decide to accept the advice offered, and it has to be laid out in clear language. This document must also tell you about the cooling-off period. Within a certain time period, this makes it possible for you to cancel the contract with your financial advisor.

You need to check what experience and qualifications the financial advisor has when you first speak to them. Do not be self-conscious about asking such questions, after all you are about to entrust your financial future to their skill. All financial advisors in Coleraine must hold at least a Level 4 qualification and be able to present an annual Statement of Professional Standing. When you check the Financial Services Register, you should not panic if your specific advisor's name doesn't show up on there; you should be able to locate 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 instead of advice. Guidance is different to advice as it isn't regulated, and if financial errors occur there will likely be no recourse to either party.

Financial Advisor Quotes in Coleraine Northern Ireland

If you are needing advice on investments you'll be asked about the amount of risk you're willing to take on. High risk investments may potentially offer higher rewards, but some or all of your capital could be lost. In order to get the most effective financial and investment advice, your savings objectives must be considered, i.e. how much you wish to invest, long or short term investments and how rapidly you need access to your money. "How much money can you actually afford to lose?" Is the one vital question that you really need to ask yourself. Known as your capacity for loss, this will very likely influence the products and services that you are offered.

Financial Advice Near Coleraine Northern Ireland

If you already have any existing savings, investments, mortgage loans or regular payments, you should let your financial advisor know about these. To make certain that you receive the most appropriate advice for you, they need to have a full and clear picture of your financial circumstances. The diversification of your investments and savings by spreading the risk across various different products, is a crucial part of reliable financial advice. Having a knowledge of the best areas to consider, a certified 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 unmask the complex world of finance and investment. You should be able to come to an informed and educated decision when you have learned about the various products and services which match your needs. If the environment is important to you, you could maybe ask that ethical savings and investments take precedence. This allows you to support firms and organisations that match your concerns, e.g. zero carbon or renewable energy, or perhaps keeping away from businesses that don't meet your standards.

It can prove difficult to manage work and other commitments around working closely with your financial advisor in Coleraine. To enable you to seek advice at a time to suit you, face-to-face appointments can be augmented with telephone and video conferencing. A professional financial advice company in Coleraine will have stringent measures in place to keep your details secure and confidential, even if you hardly ever have a one-to-one meeting with your advisor, because remote and home working is now so common.


You must remember that the financial sector can be an unpredictable one, and investment values can just as easily drop as well as rise. It can be quite demoralising and worrying if your investment isn't making the amount of money you hoped for. A downward spiral in your investment is not a recognised basis for complaint, unless your financial advisor has supplied you with wrong or misleading information.

Independent Financial Advisor Near Coleraine (BT51)

Any disputes should start out with the firm's official complaints procedure as detailed in the Key Facts Document. You can tell the Financial Ombudsman about the situation if it is unresolved within the timeframe laid down by the regulating authority, and your financial advisor is a member of the FCA.

The Financial Ombudsman will come to a decision after independently reviewing the cause of the complaint. A decision will be made on how to rectify the situation or financially compensate the client, if the complaint is justified. This becomes legally binding as soon as it has been agreed on by the client, and the advisor and their company must abide by the ruling. Any trouble, annoyance, inconvenience and distress caused to the client during the process, will be taken into account when the Ombudsman fixes the level of compensation.

Book a Financial Advisor in Coleraine UK

Financial advice can be provided in Coleraine and also nearby in: Ballykelly, Dervock, Ballbogey, Bushmills, Ballycastle, Macosquin, Stranocum, Portrush, Limavady, Armoy, Dunseverick, Aghadowey, Articlave, Ballymoney, Castlerock, Portstewart, together with these postcodes BT51 3FA, BT51 3BU, BT51 3HG, BT51 3AY, BT51 3QP, BT51 3EZ, BT51 3NY, BT51 3EF, BT51 3AG, BT51 3AN. Locally based Coleraine financial advisers will probably have the telephone dialling code 028 and the postcode BT51. Checking this out should guarantee that you access local financial advisers. Coleraine home and business owners will be able to benefit from these and lots of other related services. Click on the "enquiry" banner to get details about financial advisors in your area.

A Financial Advisor's Everyday Tasks

  • Financial advisors chat with customers about their plans and finances.
  • Financial advisors keep a record of transactions and clients.
  • Financial advisors produce financial reports.
  • Financial advisors constantly update customers concerning their investments.
  • Financial advisors make deals with with providers of financial products.
  • Financial advisors work in collaboration with colleagues to collect trends, statistics and market information.
  • Financial advisors meet sales and performance targets.
  • Financial advisors recommend the financial products that are best-suited to their customers.
  • Financial advisors provide counselling, education and consultation with regards to investments and finances.
  • Financial advisors keep up to date with new products and regulation changes.

Coleraine Financial Advice Services

Financial Advice Tasks Coleraine

There are a whole host of services that are provided by your local Coleraine financial advisor including family income benefit, ethical investment advice in Coleraine, financial analyst services, will writing services, money planning, familt controlled trusts, pension drawdowns, life insurance, business protection, tax advice, investment consolidation in Coleraine, investment bonds, inheritance tax planning Coleraine, offshore investment advice, independent financial advice, income protection, bridging finance, trustee investment services in Coleraine, savings advice Coleraine, ISA's in Coleraine, unit trusts, annuity purchases in Coleraine, pensions in divorce Coleraine, multi-asset portfolios, pension consolidation advice, pension reviews, investment plans, cash flow modelling, cheap financial advice, wealth management & investments, and more. Listed are just a handful of the activities that can be conducted by a financial advisor. Coleraine professionals will tell you about their full range of services.


Financial Advisors Near Coleraine

Also find: Ballycastle financial advisers, Ballymoney financial advisers, Limavady financial advisers, Ballykelly financial advisers, Ballbogey financial advisers, Dervock financial advisers, Bushmills financial advisers, Stranocum financial advisers, Aghadowey financial advisers, Articlave financial advisers, Dunseverick financial advisers, Portstewart financial advisers, Armoy financial advisers, Macosquin financial advisers, Portrush financial advisers, Castlerock financial advisors and more. The majority of these areas are served by local financial advisers. Coleraine residents can get financial advice quotations by clicking here.

Coleraine Financial Advice Services

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

Financial Advisors Around Coleraine: Folks who live in the following areas and streets have recently enquired about financial advice - Newmills Road Lower, Ballyvelton Road, Glenbeg Court, Hillmans Court, Mill Lane, Screen Road, Greenmount Crescent, Greystone Park, Danes Hill Road, Shell Hill Square, Greenhall Highway, Killowen Street, Elms Park, Glenbrook Park, Newbridge Park, Masteragwee Terrace, Beresford Place, Maple Lodge, St. Patricks Avenue, Slieve Banna Road, St. Johns Place, Spring Meadows, Mossvale Park, Irish Society Court, Willowfield Park, Atlantic Crescent, Gordonville, Cairnvale Park, as well as the following local Coleraine postcodes: BT51 3FA, BT51 3BU, BT51 3HG, BT51 3AY, BT51 3QP, BT51 3EZ, BT51 3NY, BT51 3EF, BT51 3AG, BT51 3AN. Folks residing in these areas recently required help from a financial advisor. Coleraine residents received dependable and professional financial services on every occasion.

If you're interested in local info on Coleraine, Northern Ireland go here

Independent financial advisor in BT51 area, (dialling code 028).

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(This financial advisor Coleraine page was reviewed and updated on 01-09-2022)