Financial Advisor Horsforth

Horsforth Independent Financial Advice & Investment

Financial Advisor Horsforth West Yorkshire (LS18): If you're seeking financial advice for the very first time, trying to locate a good financial advisor advisor in the Horsforth area can be a daunting experience. Nevertheless, all qualified financial advisors are bound by one common rule; they all have to follow the regulations laid down by the Financial Conduct Authority, regardless of whether you're after mortgage, pensions, investments or even insurance guidance. This comes with some guarantees, therefore after getting advice from a FCA registered financial advisor in Horsforth, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if if things go wrong.

Free Horsforth Financial Advisor Quotes

A decent starting place when picking a financial advisor in Horsforth may be friends and neighbours, but remember that the kind of advice you are looking for could be somewhat different to theirs. Their advice needs to be adapted to your unique circumstances, and every financial advisor isn't suitable for everybody. Selecting a financial advisor is an important decision and it is wise to talk to at least three different companies in order to explore the options they can offer, and to find one you feel comfortable with and can trust.

Financial Advisor Horsforth West Yorkshire (LS18)

Independent financial advisors (IFA) and restricted advisors, are the 2 main kinds of financial advisor in Horsforth. Offering a wide range of options, an IFA should not be limited to a single company's products or services. Encompassing the whole spectrum of financial products and companies, independent financial advice should be given in an unbiased and impartial way to clients. This will allow you to select from the widest range of products to match your needs. A restricted advisor could be tied to products and services from a specific provider, or might even focus on just one product, as may be the case with a mortgage advisor.

Before taking you on as a client, any Horsforth financial advisor must discuss their charges with you, as demanded by the Financial Conduct Authority. You might be charged a set fee, by the hour or maybe even a percentage of your investment, contingent on type of service you are interested in. You might be offered a free preliminary consultation to allow you to discuss your goals and find out if the advisor is the proper choice for your situation. In some of the larger Horsforth firms, you might find that your account is looked after by a team as opposed to an individual.

Financial Advisors Horsforth UK (0113)

You will be asked to complete a "Fact Find" document, which is a confidential disclosure form relating your financial situation and goals to the advising firm. To provide information on the financial advisor, their situation for offering restricted or independent advice and their scope of permissions in the financial market, you will also be given an Initial Disclosure, or Key Facts Document. This document will also lay down your own legal rights and the possible options you can take if you aren't satisfied with the service, and want to make a complaint. It should describe exactly what you are signing up for, and any possible risks and benefits that exist if you opt to accept the advice offered, and it must be written in plain English. You can find the amount of cooling-off period in the Key Facts Document. This makes it possible for you to cancel the contract with your financial advisor within a certain number of days, and whenever any penalties are incurred.

You need to check what qualifications and experience the financial advisor has the first time you speak with them. After all you're about to entrust your long-term financial wellbeing to their skill, so you should not be embarrassed about asking these questions. All Horsforth financial advisors must hold at least a Level 4 qualification and present an annual Statement of Professional Standing. When you check the Financial Services Register, don't stress if your advisor's name doesn't appear on there; you will probably locate the firm name, and this means that the legislation covers all of their employees. The person may still offer financial guidance as opposed to advice, if these cannot be provided. Guidance is somewhat different to advice as it's not regulated in the same way, and if mistakes are made there will likely be no recourse to either party.

Financial Advisor Quotes in Horsforth West Yorkshire

You will be asked the level of risk you're prepared to take on, if you are seeking advice on investments. Most investments carry some degree of risk, but high risk investments could offer bigger rewards, but also more chance of losing some or all of your capital. Your savings goals must be considered if good investment and financial advice is to be given, i.e. short or long term investments, how quickly you need to access your funds and how much you have to invest. You should always ask yourself the one crucial question, how much can you actually afford to lose. Generally known as your 'capacity for loss', this will very likely have an effect on products and services that you're offered.

Financial Advice Near Horsforth West Yorkshire

Right from the start, it's imperative that you let your financial advisor know about any existing regular outgoings, savings, mortgages or investments that you have. They'll need this information, so that they can get a picture of your financial circumstances and give the appropriate advice for your needs. Spreading the risk across various products by diversifying your investments and savings, is something that smart financial advice should allow for. In order to match your financial circumstances and goals, a qualified financial advisor in Horsforth will have the knowledge of the best areas to consider.

Your financial advisor will try to communicate in as plain a speech as possible, to unveil the multifaceted world of finance. You should be in a position to come to an informed decision when you have compared the various services and products which match your needs. You can maybe ask your financial advisor to only specify ethical investments and savings. This will allow you to lend support to firms and organisations which address your concerns, e.g. zero carbon or green energy, or perhaps avoiding businesses that don't meet your requirements.

It isn't always easy to have a close working relationship with a financial advisor in Horsforth without this impacting your work and other commitments. To allow you to get advice at a time to suit you, one-on-one appointments can be supplemented with telephone and video conferencing. Working from home and remote working is now a large part of our society, and a competent financial advice company in Horsforth will have rigorous measures in place to keep your details confidential and secure, even if you rarely have a one-on-one meeting with your advisor.


You must always remember that the financial world is a volatile sector, and investment values could just as easily drop as well as rise. If it happens that your investment fails to make as much money as you hoped for, it can be a very worrying and disheartening time. Your investment having a downward trend isn't seen as a cause for complaint, unless your financial advisor has given you incorrect or misleading information.

Independent Financial Advisor Near Horsforth (LS18)

The company's complaints procedure should be the kick off point for any disputes, and the Key Facts Document will clarify this. If the problem is unresolved within the time set by the regulating authority, and the advisor is a member of the Financial Conduct Authority, you can advise the Financial Ombudsman.

The Financial Ombudsman will make a ruling after reviewing the cause of the complaint independently. If it is found that the complaint is legitimate, a decision is made on how the client can be compensated or the situation rectified. Once the decision is accepted by the customer it becomes a legally binding decision that the financial advisor and their firm, must abide by. The Ombudsman will also account for any trouble, annoyance, distress and inconvenience caused to the customer during the process, and fix the level of compensation proportionately.

Book a Financial Advisor in Horsforth UK

Financial advice can be provided in Horsforth and also nearby in: Bramley, Rawdon, Leeds, Rodley, Greengates, West Park, Troy, Hawksworth, Cragg Hill, Kirkstall, Calverley, Farsley, Yeadon, Cookridge, Headingley, Woodhall Hills, Meanwood, and in these postcodes LS18 4EZ, LS18 4HP, LS18 4FT, LS18 4FR, LS18 4DS, LS18 4PL, LS18 4BZ, LS18 4BN, LS18 4AR, LS18 4LB. Locally based Horsforth financial advisers will most likely have the postcode LS18 and the phone code 0113. Checking this can confirm you access local financial advisers. Horsforth householders are able to utilise these and countless other similar services. Click the "enquiry" banner to get specifics of financial advisors in your area.

Pension Planning

Taking an important step towards a secure retirement involves pension planning. Significant improvements to this process can result from engaging the services of a financial advisor. Assessing your current financial situation, a knowledgeable advisor will understand your retirement goals and design a personalised pension solution. Workplace pensions, the State Pension, and SIPPs are among the UK pension alternatives they navigate with intricacies. By leveraging their expertise, informed decisions about investment choices, contributions and tax implications can be made. Working with a financial advisor in Horsforth ensures that you create a robust pension plan, providing financial stability and peace of mind for your future.

UK pension planning is heavily reliant on the State Pension, since it is the only guaranteed source of retirement income for many individuals. Eligibility for the State Pension is based on an individual's National Insurance record, which is built up over their working life. The changes to the number of qualifying years and the State Pension age have made it vital to understand the intricacies of this scheme. (42316)

A Financial Advisor's Daily Duties

  • Financial advisors keep up to date with new financial products and legislation changes.
  • Financial advisors continually update customers concerning their investments.
  • Financial advisors chat with clients about their finances and plans.
  • Financial advisors collaborate with financial product providers.
  • Financial advisors provide counselling, education and consultation regarding finances and investments.
  • Financial advisors keep a record of customers and transactions.
  • Financial advisors produce detailed financial reports.
  • Financial advisors meet performance and sales targets.
  • Financial advisors research financial products and explain them simply and clearly to their customers.
  • Financial advisors work together with colleagues to gather statistics, market information and trends.

Horsforth Financial Advice Services

Financial Advice Tasks Horsforth

There are a wide array of services which are provided by your local Horsforth financial advisor including stakeholder pension advice Horsforth, corporate financial planning, retirement plans, pension transfer advice, mortgage financial planning Horsforth, bridging finance, ISA's, life insurances, trustee investment services Horsforth, business protection, long term care fee planning Horsforth, investment plans in Horsforth, mutual funds in Horsforth, independent financial advice, financial planning Horsforth, investment consolidation in Horsforth, general financial planning, familt controlled trusts, inheritance tax planning, trusts, cheap financial advice, wealth management & investments Horsforth, personal financial planning in Horsforth, business planning, divorce planning, ethical investment advice, saving for children, financial services, personal pensions, equity release advice, and more. Listed are just a small portion of the tasks that can be performed by a financial advisor. Horsforth professionals will be happy to inform you of their full range of financial services.


Financial Advisors Near Horsforth

Also find: Rodley financial advisors, Kirkstall financial advisors, Cookridge financial advisors, Rawdon financial advisors, Calverley financial advisors, Hawksworth financial advisors, Headingley financial advisors, Cragg Hill financial advisors, Woodhall Hills financial advisors, West Park financial advisors, Troy financial advisors, Meanwood financial advisors, Greengates financial advisors and more. People who are looking for financial advice, will find that such services are available in the majority of these locations. Residents in these areas can make enquiries about financial advice by clicking here.

Horsforth Financial Advice Services

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Financial Advice Enquiries in Horsforth West Yorkshire (0113)
  • Horsforth Inheritance Advice
  • Horsforth Mortgage Advice
  • Horsforth Financial Services
  • Horsforth Estate Planning
  • Horsforth Tax Advice
  • Horsforth Investment Advice
  • Horsforth Life Insurance Advice
  • Horsforth Pension Advice
  • Horsforth Wealth Management
  • Horsforth Cheap Financial Advice
  • Horsforth Financial Advice Quotations
  • Horsforth Trustee Investments
  • Horsforth Independent Financial Advice
  • Horsforth Retirement Planning

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Horsforth Financial Advisor Jobs: Get financial adviser jobs in Horsforth by clicking here: Financial Advisor Jobs Horsforth

Independent financial advisor in LS18 area, and dialling code 0113.

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(This financial advisor Horsforth page was edited and updated on 20-02-2024)