Financial Advisor Hartlepool

Hartlepool Independent Financial Advice & Investment

Financial Advisor Hartlepool County Durham (TS24): Locating a reliable financial advisor advisor in the Hartlepool area can be a daunting experience, particularly if you are needing financial advice for the very first time. Nevertheless, all qualified financial advisors are bound by one common rule; they must all stick to the regulations set by the Financial Conduct Authority, whether you are after mortgage, pensions, investment or even insurance advice. The advantage of this is that should a financial advisor who is FCA registered give you poor advice, and things go wrong, you have guarantees, and are able to go to the Financial Services Compensation Scheme or the Financial Ombudsman to have it put right.

Free Hartlepool Financial Advisor Quotes

When selecting a financial advisor in Hartlepool, a good starting point could be friends and family, but you must remember that your circumstances may not be in line with theirs, and you may need a different kind of advice. Financial advice must be individually tailored to your particular situation, and you will find that certain financial advisors may not be appropriate for you. To check out the options they can provide and find a financial advisor you can trust and feel at ease with, it pays to talk to at least three different companies, because picking a financial advisor is an important decision.

Financial Advisor Hartlepool County Durham (TS24)

There are two main types of financial advisor in Hartlepool; restricted advisors and independent financial advisors. An independent financial advisor will not be restricted to the products and services of just one company. Encompassing the entire spectrum of financial companies and products, independent financial advice should be given in an unbiased and impartial way to customers. Consulting an independent financial advisor should allow you to choose between the widest possible range of services. A restricted advisor could be involved with an individual product, as with a mortgage advisor, or be limited to services and products from a particular provider.

Before taking you on as a client, any financial advisor must discuss their charges with you, as set out by the Financial Conduct Authority. Although it can vary determined by the kind of product you are interested in, there could be an hourly rate, a set fee, or you could even be charged a percentage of what you are investing. To discuss your objectives and determine whether the advisor is the proper choice for you and your circumstances, a free initial consultation could be offered. Your account could be managed by a team as opposed to one individual advisor, if you decide to go with one of the bigger Hartlepool companies.

Financial Advisors Hartlepool UK (01429)

To summarise your targets and financial situation to the advising company, you'll need to fill in a "Fact Find" document, which is a confidential disclosure form. To provide information regarding the financial advisor, their status to offer independent or restricted advice and their range of permissions in the financial sector, you will also be handed an Initial Disclosure, or Key Facts Document. This document should also lay out your legal rights and the options you can take if you aren't satisfied with the service provided, and wish to submit a complaint. It should outline what you are committing yourself to, and any possible risks and benefits that exist should you opt to accept the advice offered, and it must be set down in clear language. The Key Facts Document will also tell you about the allowed cooling-off period. Within a specific period of time, this allows you to cancel the contract.

Make sure you check the experience and qualifications of your financial advisor the first time you speak with them. Asking these questions should not be a cause for embarrassment, because you are about to entrust them with your financial future. Every Hartlepool financial advisor must be able to present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. You should not panic if your particular advisor's name does not show up on the Financial Services Register, as long as the firm is on the register, their advisors will be covered by the legislation. If they're unable to provide this proof, the individual cannot offer advice but can offer financial guidance. Guidance differs to advice as it is not regulated in the same way, and if mistakes occur there may be no recourse to either party.

Financial Advisor Quotes in Hartlepool County Durham

You'll be asked the amount of risk you're ready to take, if you are seeking advice on investments. Higher rewards may be possible with higher risk investments, however you stand a greater chance of losing all or some of your capital. Decent financial and investment advice should take into account your savings goals, i.e. how rapidly you need access to your money, long or short term investments and how much money you want to invest. "How much money can you actually afford to lose?" Is the one important question that you really need to ask yourself. This is generally known as your 'capacity for loss' and could influence the services and products that may be offered to you.

Financial Advice Near Hartlepool County Durham

You must let your financial advisor know about your current regular payments, savings accounts, investments or mortgage loans. This will provide a clear picture of your current financial situation, and without this the advice given will most likely not be the best for you. Good quality financial advice should allow for diversifying your savings and investments by spreading the risk across different products. In order to reflect your financial situation and your goals, a professional financial advisor in Hartlepool will have the knowledge of the best areas to consider.

Your financial advisor will communicate in as much plain speech as possible, while throwing open the multifaceted world of finance. This will allow you to compare services and products that match your needs, and come to an informed decision. You can maybe ask your financial advisor to only choose ethical investment and savings schemes. You can then stay away from corporations that businesses meet your requirements, and instead lend your support to those companies and enterprises that match your concerns, for example zero carbon or renewable energy.

It can prove challenging to manage work and other obligations around a close working relationship with your financial advisor in Hartlepool. This can be alleviated by augmenting one-on-one appointments with video conferencing and telephone calls, hence enabling you to seek the advice you need at times that are convenient. Any experienced financial advice company in Hartlepool will have strict measures in force to ensure your details are kept secure and confidential, even if you never have a one-on-one meeting with your advisor, because home and remote working is no longer unusual.


The value of your investments could fall as well as rise, and this is a factor that you have to remember. If it happens that your investment fails to make the amount of money you were hoping for, it can be an extremely frustrating and stressful time. A downward spiraling of your investment is not a recognised cause for complaint, unless your financial advisor has supplied you with incorrect or misleading information.

Independent Financial Advisor Near Hartlepool (TS24)

The firm's official complaints procedure should be the starting position for any disputes, and the Key Facts Document should clarify this. You can tell the Financial Ombudsman about the problem if it remains unresolved within the time laid down by the regulating body, and the advisor is a member of the Financial Conduct Authority.

The Financial Ombudsman will look into the cause for complaint and make a ruling. If it is established that the complaint is justified, a decision is made on how the client can be compensated or the situation rectified. The financial advisor and their company must comply with any decision that is made, which becomes a legally binding decision once the customer has accepted it. Any compensation as set out by the Ombudsman will also take into consideration any annoyance, hassle, inconvenience and distress caused to the customer during the situation.

Book a Financial Advisor in Hartlepool UK

Financial advice can be provided in Hartlepool and also nearby in: Durham, Claxton, High Throston, Hesleden, Elwick, Seaton Carew, Greatham, Wingate, Middleton, Hartfields, Rift House, Castle Eden, Blackhall Colliery, together with these postcodes TS24 0DY, TS24 0NN, TS24 0EZ, TS24 0EX, TS24 0TH, TS24 0NZ, TS24 0TT, TS24 0PZ, TS24 0PA, TS24 0DW. Locally based Hartlepool financial advisors will probably have the postcode TS24 and the phone code 01429.

Hartlepool Financial Advice Services

Financial Advice Tasks Hartlepool

There are a number of different services which are provided by your local Hartlepool financial advisor including financial advice services Hartlepool, cashflow analysis Hartlepool, unit trusts in Hartlepool, investment planning in Hartlepool, life assurance, cheap financial advice, pension consolidation advice, general financial planning in Hartlepool, stakeholder pension advice in Hartlepool, investment bonds in Hartlepool, corporate bonds Hartlepool, ethical investments in Hartlepool, family income benefit, income protection in Hartlepool, annuity purchase, financial analyst services, cash flow modelling, trusts in Hartlepool, business financial planning, corporate financial planning Hartlepool, will writing services, tax planning, equity release, wealth management & investments Hartlepool, financial planning, and more.


Financial Advisors Near Hartlepool

Also find: Hartfields financial advisors, High Hesledon financial advisors, Deaf Hill financial advisors, Butterwick financial advisors, Greatham financial advisors, Dalton Piercy financial advisors, Crimdon financial advisors, Castle Eden financial advisors, High Throston financial advisors, Hesleden financial advisors, Claxton financial advisors, Eden Vale financial advisors, Rift House financial advisors, North Hart financial advisors, Wingate financial advisors, Elwick financial advisors, Blackhall Colliery financial advisors, Hulam financial advisors, Sheraton financial advisors and more. Financial advisors are available for discussions in just about all of these towns and villages. Home and business owners in the region can make enquiries about financial advice by clicking here.

Hartlepool Financial Advice Services

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Financial Advice Enquiries in Hartlepool County Durham (01429)
  • Hartlepool Financial Services
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  • Hartlepool Retirement Planning
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  • Hartlepool Pension Advice
  • Hartlepool Inheritance Advice
  • Hartlepool Mortgage Advice
  • Hartlepool Wealth Management
  • Hartlepool Life Insurance Advice

More Hartlepool Services: Obviously, when you are looking at your finances in Hartlepool, County Durham, you will probably need all sorts of different services and apart from a financial advisor in Hartlepool, County Durham, you could also need mortgage advice in Hartlepool, solicitors in Hartlepool, property law & conveyancing in Hartlepool, contracts lawyers in Hartlepool, wills in Hartlepool, business financial planning in Hartlepool, mortgage brokers in Hartlepool, family lawyers in Hartlepool, bookkeepers in Hartlepool, payroll services in Hartlepool, investment advisors in Hartlepool, tax preparation in Hartlepool, debt recovery & collection in Hartlepool, business consulting in Hartlepool, banruptcy lawyers in Hartlepool, accountants in Hartlepool, estate planning in Hartlepool, and other different Hartlepool experts.

For the latest local Hartlepool information look here

Independent financial advisor in TS24 area, telephone code 01429.

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(This financial advisor Hartlepool article was checked and updated on 20-02-2024)