Financial Advisor Heysham

Heysham Independent Financial Advice & Investment

Financial Advisor Heysham Lancashire (LA3): If you are seeking financial advice for the very first time, trying to locate a first-rate financial advisor advisor in Heysham can be a quite daunting experience. Whether it is mortgage, investment, pension or even insurance guidance that you are looking for, there is one common rule for all qualified financial advisors; they all have to adhere to Financial Conduct Authority regulations. This comes with various guarantees, therefore after taking advice from a FCA registered financial advisor in Heysham, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman, if if things go awry.

Free Heysham Financial Advisor Quotes

Friends and family recommendations can be a decent starting point in choosing a financial advisor in Heysham, but bear in mind that their circumstances might be different to the kind of advice you are looking for. Their advice needs to be personalised to your unique situation, and every financial advisor isn't suitable for everyone. It is a good idea to talk to at least 3 different firms when you're picking a financial advisor, as this is an important decision, and you need to find one that you feel comfortable with and can trust, and also explore the options they can provide.

Financial Advisor Heysham Lancashire (LA3)

There are 2 main kinds of financial advisor in Heysham; restricted advisors and independent financial advisors. Offering a wide range of options, an IFA will not be limited to the services and products of a single company. Covering the whole gamut of financial products and companies, independent financial advice should be given in an honest and unbiased way to clientele. Using an IFA should enable you to choose from the broadest possible array of services. A restricted financial advisor might be involved with an individual product, as with a mortgage advisor, or be restricted to products and services from one particular provider.

Before accepting you as a client, any financial advisor in Heysham must be fully transparent with you about their charges, as required by the FCA. Based upon the product you require, you could be charged by the hour, a set fee or maybe even a slice of your investment. To allow you to discuss your goals and determine whether the advisor is suitable for you and your situation, you may be offered the possibility of a free first consultation. If you use one of the larger Heysham companies, your account could be managed by a team of advisors rather than a single person.

Financial Advisors Heysham UK (01524)

To outline your targets and financial situation to the advising company, you'll be asked to fill out a "Fact Find" document, which is a confidential disclosure form. An Initial Disclosure, or Key Facts Document will also be handed to you, to provide details of the financial advisors themselves, outlining the extent of their permissions in the financial sector and their status to offer restricted or independent advice. If you are not happy with the service provided, and wish to complain, this document will also lay out your own rights and the possible options you can take. It should be easily understood, written in plain English, and outline precisely what you're signing up for, together with the risks and benefits of going along with the advice. You'll find the level of cooling-off period in this document. This permits you to have a change of heart within a specific time period, and cancel the agreement with your financial advisor.

You need to check the qualifications and experience of the financial advisor the first time you talk to them. After all you're just about to entrust your financial wellbeing to their expertise, so you should never be self-conscious about asking these questions. All Heysham financial advisors must as a minimum hold a Level 4 qualification and be able to present an annual Statement of Professional Standing. You should not worry if your particular financial advisor's name does not show up on the Financial Services Register, providing the company is listed on the register, their staff are covered by the legislation. The person may still offer financial guidance rather than advice, if these can't be presented. In terms of finance guidance is somewhat different to advice and isn't regulated. Therefore there's no recourse for the client if financial blunders are made.

Financial Advisor Quotes in Heysham Lancashire

If you are looking for advice on investing money you will be asked about the level of risk you're comfortable with. Many investments carry some degree of risk, but high risk investments may offer better rewards, but also more likelihood of losing your capital. Good quality investment and financial advice should take into account your savings goals, i.e. how much you wish to invest, short or long term investments and how rapidly you need access to your funds. "How much can you actually afford to lose?" Is the one crucial question that you really need to ask yourself. This could affect the products and services that could be offered for your consideration, and is generally referred to as your capacity for loss.

Financial Advice Near Heysham Lancashire

You'll want to tell your financial advisor about your existing mortgage loans, personal savings, regular outgoing payments or investments. This will provide a full and clear picture of your financial circumstances, without which the advice you're given might not be the most suitable for you. The diversification of your investments and savings by spreading the risk across a number of different products, is an important part of reliable financial advice. Having an understanding of the best areas to consider, a seasoned financial advisor will concentrate on products that most closely match your financial circumstances and goals.

Your financial advisor will attempt to communicate in the clearest possible way, to reveal the multifaceted world of finance. This will allow you to compare services and products which meet your needs, and make an informed decision. If the environment is at the forefront of your mind, you could even ask that ethical investments and savings take top priority. You can then stay clear of firms that investments meet your criteria, but instead support those companies and businesses that address your concerns, for instance zero carbon or green energy.

It is not that easy to work closely with a financial advisor in Heysham without this impacting on your work day and other obligations. To enable you to get advice at times that suit you, face-to-face appointments can be augmented with video conferencing and telephone calls. Working from home and remote working is now so common, and an established financial advice firm in Heysham will have strict measures in force to keep your details confidential and secure, even if you hardly ever have a one-to-one meeting with your personal advisor.


Investments can be a volatile area, and values can go down as easily as they go up. If your investment fails to make the amount of money you hoped for, it can be quite worrying and frustrating. A downward trend in your investment isn't seen as a grounds for complaint, unless your advisor has given you wrong or misleading information.

Independent Financial Advisor Near Heysham (LA3)

As outlined in the Key Facts Document, any complaints should begin with the firm's complaints procedure. If the financial advisor is registered with the Financial Conduct Authority, you can inform the Financial Ombudsman of the matter if it remains unsolved within the timeframe stipulated by the regulating authority.

After independently reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. A decision is made on how to rectify or financially compensate the client, if the complaint is justified. The financial advisor and their company must comply with any ruling that is made, which becomes legally binding as soon as the client has accepted it. The Ombudsman will also take into account any upset, distress, inconvenience and hassle caused to the customer during the dispute, and fix the level of compensation accordingly.

Book a Financial Advisor in Heysham UK

Financial advice can be provided in Heysham and also nearby in: Scotforth, Caton, Heaton with Oxcliffe, Morecambe, Ellel, Quernmore, Ashton with Stodday, Bulk, Middleton, Glasson Dock, Lancaster, White Lund, Hest Bank, Overton, Bailrigg, Halton, and in these postcodes LA3 1NL, LA3 1PA, LA3 1NN, LA3 1SR, LA3 1HQ, LA3 1EL, LA3 1HG, LA3 1UN, LA3 2AB, LA3 1SU. Locally based Heysham financial advisors will likely have the postcode LA3 and the dialling code 01524.

Fundamental Skills for a Financial Advisor

  • To have a flexible approach to work.
  • An outstanding knowledge and understanding of economics and accounting associated with financial products and markets.
  • Outstanding skills in verbal communication.
  • Effective skills in customer service for finding out client needs and requirements.
  • Good business management skills for negotiating product rates.
  • To be capable of using a computer and the key software programs.
  • To be thorough and pay attention to detail.
  • To be able to network and build solid relationships with customers.
  • An outstanding level of math knowledge for producing financial plans.
  • To be good at selling products and services.
  • Active listening and interpersonal skills.

Heysham Financial Advice Services

Financial Advice Tasks Heysham

There are a wide range of services which can be provided by your local Heysham financial advisor including ISA's Heysham, divorce planning, will writing services Heysham, financial services in Heysham, pension planning Heysham, inheritance tax planning in Heysham, annuities, life assurance advice in Heysham, corporate financial planning, pension consolidation advice, equity release, long term care fee planning, investment bonds in Heysham, pension transfer advice, pension drawdowns, stakeholder pensions Heysham, pension planning, income protection advice Heysham, mortgage services, bridging finance, trustee investment services, cash flow modelling in Heysham, personal financial planning, unit trusts, investment advice, and more.

A Financial Advisor's Daily Duties

  • Providing education, consultation and counselling regarding investments and finances.
  • Talking to customers about their plans and finances.
  • Meeting targets for sales and performance.
  • Updating clients concerning their investments.
  • Recommending the best-suited financial products to clients.
  • Working with peers to obtain statistics, trends and market information.
  • Collaborating with financial product providers.
  • Producing in-depth financial reports.
  • Keeping a record of potential clients and transactions.
  • Keeping fully abreast of legislation changes and new financial products.

Financial Advisors Near Heysham

Also find: Caton financial advisors, Morecambe financial advisors, Glasson Dock financial advisors, White Lund financial advisors, Bulk financial advisors, Quernmore financial advisors, Ellel financial advisors, Halton financial advisors, Middleton financial advisors, Lancaster financial advisors, Ashton with Stodday financial advisors, Hest Bank financial advisors, Overton financial advisors, Heaton with Oxcliffe financial advisors, Bailrigg financial advisors, Scotforth financial advisors and more.

Heysham Financial Advice Services

Find a Financial Advisor in Heysham Here
Financial Advice Enquiries in Heysham Lancashire (01524)
  • Heysham Estate Planning
  • Heysham Financial Services
  • Heysham Wealth Management
  • Heysham Pension Advice
  • Heysham Financial Advice Quotes
  • Heysham Cheap Financial Advice
  • Heysham Trustee Investments
  • Heysham Mortgage Advice
  • Heysham Life Insurance Advice
  • Heysham Inheritance Advice
  • Heysham Tax Advice
  • Heysham Financial Advice
  • Heysham Cashflow Analysis
  • Heysham Investment Advice

Financial Advisors Around Heysham: Some Heysham roads and streets where financial advice has recently been given - Applegarth Road, Ashcroft, Dunlin Avenue, Hillsea Avenue, Brier Drive, Hale Carr Lane, Rosedale Avenue, Westmoor Grove, Keswick Grove, Back Knowlys Road, Sugham Lane, Warren Road, Bowland Road, Moneyclose Grove, Crofters Fold, Mallowdale Avenue, Glen View Crescent, Carr Lane, Knowlys Grove, Redshank Drive, Kingsway, Port Way, Field Road, Clay Lane, Plover Drive, Dunbar Drive, as well as these local Heysham postcodes: LA3 1NL, LA3 1PA, LA3 1NN, LA3 1SR, LA3 1HQ, LA3 1EL, LA3 1HG, LA3 1UN, LA3 2AB, LA3 1SU.

For the latest local info relating to Heysham, Lancashire go here

Independent financial advisor in LA3 area, and dialling code 01524.

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