Financial Advisor Golborne

Golborne Independent Financial Advice & Investment

Financial Advisor Golborne Greater Manchester (WA3): It can be a challenging experience trying to locate a first-rate independent financial advisor in Golborne, especially if it is the very first time that you are seeking financial advice. Whether it is mortgage, investment, pensions or even insurance advice that you're looking for, there's one common rule for all professional financial advisors; they all have to stick to Financial Conduct Authority regulations. Any advice given from a FCA certified financial advisor in Golborne comes with certain guarantees that should anything go wrong, you can contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.

Free Golborne Financial Advisor Quotes

Family and friends recommendations can be a decent starting point in selecting a financial advisor in Golborne, but remember that their needs could be different to the sort of advice you are looking for. Every financial advisor isn't suitable for everybody, and their advice should be tailored to your unique situation. Choosing a financial advisor is a big decision and it pays to speak to at least 3 different companies in order to explore the options they offer, and to find one you can trust and feel comfortable with.

Financial Advisor Golborne Greater Manchester (WA3)

Independent financial advisors and restricted advisors, are the two main kinds of financial advisor in Golborne. The advantage of seeing an IFA is that they will not be confined to a single provider's services or products, and can offer a wider range of options. Independent financial advice should be given in a frank and impartial way and across the entire spectrum of financial products and companies. Consulting an independent financial advisor should permit you to choose from the widest possible array of services. If you go to a restricted financial advisor you'll discover that they might be limited to services and products of one particular firm, or as in the case of a mortgage advisor, will only be concerned with one individual product.

Before any financial advisor in Golborne accepts you as a client, they are required by the FCA to discuss their charges with you. Contingent on the kind of services you require, you could be charged a set fee, by the hour or perhaps even a specific percentage of your investment. A free initial consultation could be offered, so you can discuss your goals and situation to determine whether the advisor is the best fit. Your account could be handled by a team rather than a single advisor, if you elect to go to one of the bigger firms in Golborne.

Financial Advisors Golborne UK (01925)

You will have to complete a "Fact Find" form, which is a confidential disclosure document relating your financial situation and targets to the advising firm. An Initial Disclosure, or Key Facts Document will also be given to you, to provide details of the financial advisors themselves, outlining their range of permissions in the financial arena and their situation for offering independent or restricted advice. This document will also make clear your legal rights and the possible options you can take if you are not happy with the service provided, and would like to submit a complaint. It has to be typed out in plain language and describe what you're committing yourself to, and any possible benefits and risks that exist should you choose to go along with the advice offered. The Key Facts Document will also tell you about the allowed cooling-off period. This makes it possible for you to cancel the agreement within a certain number of days, and whenever any penalties have to be paid.

When talking with the financial advisor for the first time make sure you check their experience and qualifications. After all you're on the verge of entrusting your financial future to their expertise, so you should not be embarrassed about asking these questions. All Golborne financial advisors must as a minimum hold a Level 4 qualification and be able to present an annual Statement of Professional Standing. If the advisor's name does not appear on the Financial Services Register, you shouldn't stress, the firm the individual works for should be found on the register and their advisors will be covered by the legislation. If they're not able to supply this proof, the person cannot offer advice but is allowed to offer financial guidance. In terms of finance guidance is somewhat different to advice and is not regulated in the same way. Therefore there is no recourse for either party if financial blunders occur.

Financial Advisor Quotes in Golborne Greater Manchester

If you're looking for advice on investing money you'll be asked the level of risk you are comfortable with. Most investments carry some degree of risk, but higher risk investments could potentially offer higher rewards, and also more chance of losing your money. Your savings goals will need to be taken into account if the best investment advice is to be given, i.e. how quickly you need to access your funds, short or long term investments and how much you have to invest. "How much can you truly afford to lose?" Is the one crucial question that you should really be asking yourself. This may influence the products and services that could be offered for your consideration, and is called your capacity for loss.

Financial Advice Near Golborne Greater Manchester

You need to let your financial advisor know about your existing savings, regular payments, mortgages or investments. They will need this information, so they can get a picture of your financial situation and give the appropriate advice for you. Diversifying your savings and investments by spreading the risk across various different products, is an essential part of sound financial advice. A certified financial advisor in Golborne will be aware of the best areas to consider, which mirror your financial situation and your goals.

Your financial advisor will try to communicate in the clearest possible way, while revealing the complex world of finance. After comparing the various services and products which match your needs, you should be able to make an informed and intelligent decision. You could maybe ask your advisor to only choose ethical investments and savings. This does not just give you investment possibilities, but also enables you to support zero carbon or renewable energy projects, and steer clear of businesses that do not share the same values as you do.

It's not always easy to work closely with a financial advisor in Golborne without this impacting work and other responsibilities. This can be alleviated by supplementing one-on-one appointments with phone calls and video conferencing, hence allowing you to get the guidance you need at times that are convenient. A professional financial advice firm in Golborne will have rigorous measures in place to ensure your details are kept confidential and secure, even if you hardly ever have an in-person meeting with your personal advisor, because remote and home working is no longer unusual.


You must bear in mind that the financial sector can be a volatile one, and the value of your investments can just as easily fall as well as rise. It can be very disheartening and stressful if your investment fails to make as much money as you were hoping for. However, unless it is due to wrong or misleading information from your advisor a downward spiral in your investment isn't a recognised cause for complaint.

Independent Financial Advisor Near Golborne (WA3)

Any grievances should begin with the company's complaints procedure as indicated in the Key Facts Document. If your financial advisor is a member of the Financial Conduct Authority, you can tell the Financial Ombudsman about the problem if it remains unresolved within the time period laid down by the regulating authority.

The Financial Ombudsman will independently review the cause for complaint and come to a decision. If the complaint is justified, a decision is made on how to financially compensate the customer. Once the ruling has been accepted by the client it becomes a legally binding decision which the financial advisor and their company, must comply with. Any compensation fixed by the Financial Ombudsman will also account for any trouble, distress, inconvenience and upset caused to the customer during the dispute.

Book a Financial Advisor in Golborne UK

Financial advice can be provided in Golborne and also in: Kenyon, Lowton, Golborne Dale, Ashton-in-Makerfield, Winwick, Hermitage Green, Warrington, Croft, Newton-le-Willows, Edge Green, Wigan, Lowton St Marys, Culcheth, Twiss Green, Lane Head, and in these postcodes WA3 3JQ, WA3 3NY, WA3 3LW, WA3 3HZ, WA3 3AN, WA3 3DF, WA3 3BF, WA3 2HU, WA3 3ER, WA3 3HH. Locally based Golborne financial advisors will most likely have the phone code 01925 and the postcode WA3. Click on the "enquiry" banner to get specifics of financial advisors in your area.

Skills and Knowledge Needed to be a Financial Advisor

  • An outstanding knowledge of economics and accounting relating to financial markets and products.
  • Outstanding skills in verbal communication.
  • Good skills in customer service for determining client needs.
  • To have excellent IT skills.
  • A competent level of mathematical knowledge for producing financial packages.
  • The ability to promote services and products.
  • To pay attention to detail and be thorough.
  • To have the ability to listen attentively
  • Good business management skills for negotiating product fees.
  • To be self-motivated and organised.
  • To be able to network and build solid relationships with clients.

Golborne Financial Advice Services

Financial Advice Tasks Golborne

There is a range of services that are provided by your local Golborne financial advisor including investment advice Golborne, personal financial planning, trustee investment services, family income benefit, pension drawdowns in Golborne, retirement plans, financial planning, independent financial advice, inheritance tax planning in Golborne, wealth management & investments Golborne, pension planning, annuities, offshore investments, pension transfer advice Golborne, cash flow modelling, ISA's, cheap financial advice, trusts in Golborne, life insurance advice in Golborne, investment advice in Golborne, unit trusts in Golborne, tax advice, financial advice services in Golborne, cashflow analysis, corporate bonds in Golborne, and more.


Financial Advisors Near Golborne

Also find: Golborne Dale financial advisors, Newton-le-Willows financial advisors, Wigan financial advisors, Hermitage Green financial advisors, Kenyon financial advisors, Croft financial advisors, Lane Head financial advisors, Lowton St Marys financial advisors, Twiss Green financial advisors, Winwick financial advisors, Culcheth financial advisors, Warrington financial advisors, Edge Green financial advisors, Ashton-in-Makerfield financial advisors, Lowton financial advisors and more.

Golborne Financial Advice Services

Find a Financial Advisor in Golborne Here
Financial Advice Enquiries in Golborne Greater Manchester (01925)
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Financial Advisors Around Golborne: Financial advisors were recently requested by people living in Dawlish Way, Grundy Street, Ringley Avenue, Derwent Avenue, Ivy Road, Dale Road, Cross Street, Barn Lane, Barton Street, Bank Street, Helen Street, Peter Street, Lilac Road, Pimblett Street, Langley Close, Charles Street, Barnham Close, Orford Close, Hereford Avenue, Edge Green Lane, Belmont Avenue, Whitefield Close, Lowe Street, Whitlow Avenue, Silcock Street, Justene Close, Slaidburn Crescent, Talbot Street and these Golborne postcodes: WA3 3JQ, WA3 3NY, WA3 3LW, WA3 3HZ, WA3 3AN, WA3 3DF, WA3 3BF, WA3 2HU, WA3 3ER, WA3 3HH.

Financial Advisor Jobs Golborne: View financial advisor jobs in Golborne by clicking here: Financial Advisor Jobs Golborne

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Independent financial advisor in WA3 area, telephone code 01925.

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(This financial advisor Golborne page was last updated on 01-09-2022)