Financial Advisor Fleetwood

Fleetwood Independent Financial Advice & Investment

Financial Advisor Fleetwood Lancashire (FY7): If you are in search of financial advice for the very first time, trying to find a decent independent financial advisor in the Fleetwood area can be a challenging experience. Nevertheless, all financial advisors have one thing in common; they must all follow the regulations set by the Financial Conduct Authority, regardless of whether you're searching for investment, pensions, mortgage or even insurance guidance. Any advice given from a FCA approved financial advisor in Fleetwood comes with certain guarantees that should things go awry, you can contact the Financial Services Compensation Scheme or the Financial Ombudsman.

Free Fleetwood Financial Advisor Quotes

Recommendations from relatives and friends can be a good starting place in selecting a financial advisor in Fleetwood, but bear in mind that their situation may be different to what you are looking for. Not every financial advisor is suitable for everyone, and their advice needs to be personalised to your specific situation. It pays to chat to at least 3 different firms when you are choosing a financial advisor, as this is an important decision, and you need to find one that you feel comfortable with and can trust, and at the same time check out the various options they can provide.

Financial Advisor Fleetwood Lancashire (FY7)

There are 2 main types of financial advisor in Fleetwood; independent financial advisors and restricted advisors. An IFA will not be limited to the products or services of just one provider. Encompassing the entire gamut of financial products and companies, independent financial advice must be offered in an unbiased and impartial way to clientele. This enables you to pick from the broadest range of services to match your needs. A restricted financial advisor might be tied to services and products from one particular firm, or may even focus on a single product, as in the case of a mortgage advisor.

The FCA requires that any financial advisor in Fleetwood must discuss their charges with you, before taking you on as a client. Although it can vary in accordance with the type of service or product you're looking for, there may be an hourly rate, a set fee, or you might even be charged a proportion of what you are investing. A free initial consultation may be offered, so that you can discuss your aims and situation to determine whether the advisor is the right fit. Your account may be handled by a team rather than a single advisor, if you elect to use one of the larger firms in Fleetwood.

Financial Advisors Fleetwood UK (01253)

To summarise your financial situation and ambitions to the advising company, you will be required to fill out a "Fact Find" document, which is a confidential disclosure form. You'll also be handed a Key Facts or Initial Disclosure Document, which gives you details about the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial market. This document should also lay out your own rights and the possible options you can take if you aren't happy with the service, and wish to complain. It must be typed out in plain language and describe what you're committing yourself to, and any possible benefits and risks that exist should you elect to go along with the offered advice. The cooling-off period should also be fully explained in this document. This enables you to change your mind within a specific period of time, and cancel your agreement with the financial advisor.

The first time you are talking to the financial advisor you need to check what experience and qualifications they have. After all you're about to entrust your financial future to their expertise, so you must not be embarrassed about asking these questions. A Level 4 qualification is the minimum qualification for any Fleetwood financial advisor, and they must also be able to show an annual Statement of Professional Standing. When you check the Financial Services Register, don't freak out if your advisor's name does not appear on there; you should be able to find the company name, and this means that the regulations covers all of their personnel. If these can't be provided the individual can still offer financial guidance instead of financial advice. Guidance isn't subject to regulations in the same way as financial advice, which means that if errors are made neither party will have any recourse.

Financial Advisor Quotes in Fleetwood Lancashire

If you are needing advice on investments you'll be asked the amount of risk you're ready and able to accept. High risk investments may potentially offer larger rewards, however all or some of your capital could be lost. The best investment and financial advice will take into account your savings aims, i.e. how rapidly you need access to your funds, how much you wish to invest and short or long term investments. You should always ask yourself the one crucial question, how much money can you afford to lose. This is known as your capacity for loss and may influence the products and services that could be offered to you.

Financial Advice Near Fleetwood Lancashire

Right from the start, it is imperative that you tell your financial advisor about any existing savings accounts, mortgage loans, regular outgoing payments or investments that you currently have. To ensure that you receive the best advice for you, they need to have a full and clear picture of your finances. Reliable financial advice should include diversifying your savings and investments by spreading the risk across a number of different products. In order to match your financial circumstances and your goals, an experienced financial advisor in Fleetwood will have the knowledge of the best areas to consider.

Your financial advisor will attempt to communicate in as much plain speech as possible, to open up the complex world of finance. You should be able to make an informed and educated decision once you have learned about the various services and products which match your needs. If environmental issues are at the forefront of your mind, you could perhaps ask that ethical investments and savings take top priority. You will then be able to keep away from businesses that corporations meet your criteria, and instead lend your support to those companies and businesses that match your concerns, for example zero carbon or green energy.

Working closely with your financial advisor in Fleetwood can be difficult to manage around your work day and other obligations. One-on-one appointments can be augmented with video conferencing and telephone to enable you to get advice at times that suit you. A competent financial advice company in Fleetwood will have strict measures in place to keep your details secure and confidential, even if you never have a one-on-one meeting with your advisor, because home and remote working is now so common.


You must always remember that the financial world is an unpredictable sector, and investment values can just as easily go down as well as up. If your investment is not making the amount of money you hoped for, it can be incredibly frustrating and stressful. Unfortunately, a downward spiral in your investment isn't seen as a cause for complaint, unless of course it is down to incorrect or misleading information from your advisor.

Independent Financial Advisor Near Fleetwood (FY7)

Any disputes should commence with the firm's official complaints procedure as outlined in the Key Facts Document. If the matter remains unsolved within the time period set by the regulating authority, and the financial advisor is a member of the Financial Conduct Authority, you can get in touch with the Financial Ombudsman.

The Financial Ombudsman will independently review the cause for complaint and come to a decision. A decision will be made on how to rectify or financially compensate the customer, if the complaint is upheld. The advisor and their firm must comply with any ruling that is made, which becomes legally binding as soon as the client has agreed to it. Any compensation laid down by the Financial Ombudsman will also take into consideration any upset, inconvenience, hassle and distress caused to the client during the situation.

Book a Financial Advisor in Fleetwood UK

Financial advice can be provided in Fleetwood and also in: Out Rawcliffe, Stalmine, Stanah, Little Thornton, Thornton, Hambleton, Cold Row, Knott End on Sea, Trunnah, Great Eccleston, Preesall, Moor End, Poulton-le-Fylde, Thornton Cleveleys, together with these postcodes FY7 6DR, FY7 6BX, FY7 6TD, FY7 6EU, FY7 6TH, FY7 6GX, FY7 6LP, FY7 6LE, FY7 6QS, FY7 6EH. Local Fleetwood financial advisors will likely have the phone code 01253 and the postcode FY7. Checking this out can make certain that you access local financial advisers. Fleetwood home and business owners will be able to benefit from these and lots of other finance related services.

Pension Planning

Pension planning is a key step towards a secure retirement. The process can be significantly enriched through the involvement of a financial advisor's services. Designing a customised pension solution, an experienced advisor will assess your current financial circumstances and understand your retirement goals. They navigate the intricacies of UK pension alternatives, which involve workplace pensions, the state pension, and self-invested personal pensions (SIPPs). To make informed decisions about tax implications, contributions and investment choices, you can leverage their expertise. Working with a financial advisor in Fleetwood leads to the creation of a solid pension plan, providing peace of mind and financial stability for your future.

The State Pension is the cornerstone of UK pension planning, since it provides a standard level of retirement income that is backed by the government. The amount of State Pension you receive will generally depend on how many National Insurance contributions you have made over your working life. Understanding the intricacies of the State Pension scheme is more important than ever before, because of changes to the number of qualifying years and the State Pension age. (42316)

Necessary Skills for a Financial Advisor

  • An outstanding level of math knowledge for building financial plans.
  • A thorough knowledge and understanding of accounting and economics associated with financial markets and products.
  • To have excellent time management skills.
  • Good management skills for the negotiation of product rates.
  • To pay attention to detail and be thorough.
  • Good skills in verbal communication.
  • Effective customer service skills for establishing customer needs.
  • To be able to network and build relationships with customers.
  • To be capable of using a computer and the main software packages.
  • The ability to sell services and products.
  • To have active listening skills.

Fleetwood Financial Advice Services

Financial Advice Tasks Fleetwood

There are a number of different services which can be provided by your local Fleetwood financial advisor including personal protection, savings advice, corporate bonds, business planning, unit trusts, saving for children, trusts, pension transfers in Fleetwood, personal pensions advice Fleetwood, cashflow analysis in Fleetwood, inheritance tax planning, long term care fee advice, financial planning in Fleetwood, annuity purchase, mutual funds, multi-asset portfolios, cheap financial advice, family income benefit, life assurance in Fleetwood, personal financial planning in Fleetwood, pension drawdowns, divorce planning Fleetwood, bridging finance, money planning, cash flow modelling in Fleetwood, stakeholder pension advice, annuities Fleetwood, retirement planning, financial services, income protection advice, and more. These are just a small portion of the activities that can be conducted by a financial advisor. Fleetwood professionals will be happy to tell you about their entire range of services.


Financial Advisors Near Fleetwood

Also find: Cold Row financial advisors, Out Rawcliffe financial advisors, Knott End on Sea financial advisors, Hambleton financial advisors, Thornton financial advisors, Trunnah financial advisors, Stanah financial advisors, Little Thornton financial advisors, Moor End financial advisors, Stalmine financial advisors and more. People who are searching for financial advice, will find that these services are available in practically all of these places. Home and business owners in these localities can make enquiries about financial advice by clicking here.

Fleetwood Financial Advice Services

Find a Financial Advisor in Fleetwood Here
Financial Advice Enquiries in Fleetwood Lancashire (01253)
  • Fleetwood Investment Advice
  • Fleetwood Life Insurance Advice
  • Fleetwood Wealth Management
  • Fleetwood Retirement Advice
  • Fleetwood Financial Services
  • Fleetwood Inheritance Advice
  • Fleetwood Pension Advice
  • Fleetwood Cheap Financial Advice
  • Fleetwood Financial Advice Quotations
  • Fleetwood Tax Advice
  • Fleetwood Corporate Financial Advice
  • Fleetwood Trustee Investments
  • Fleetwood Cashflow Analysis
  • Fleetwood Estate Planning

More Fleetwood Services: Needless to say, whenever you are looking at your finances in Fleetwood, Lancashire, you'll likely be in need of all kinds of different services and along with a financial advisor in Fleetwood, Lancashire, you might also need estate planning in Fleetwood, banruptcy lawyers in Fleetwood, contracts lawyers in Fleetwood, tax preparation in Fleetwood, property law & conveyancing in Fleetwood, payroll services in Fleetwood, family lawyers in Fleetwood, business consulting in Fleetwood, mortgage brokers in Fleetwood, investment advisors in Fleetwood, wills & probate in Fleetwood, accountants in Fleetwood, bookkeepers in Fleetwood, debt recovery & collection in Fleetwood, mortgage advice in Fleetwood, business financial planning in Fleetwood, solicitors in Fleetwood, and other different Fleetwood experts.

For the latest local Fleetwood information check here

Independent financial advisor in FY7 area, telephone code 01253.

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(This financial advisor Fleetwood content was revised and updated on 20-02-2024)