Financial Advisor Horwich Greater Manchester (BL6): If you are in search of financial advice for the first time, trying to find a first-rate financial advisor advisor in the Horwich area can be an intimidating experience. Nevertheless, all professional financial advisors have one thing in common; they all have to stick to the regulations set by the Financial Conduct Authority (FCA), whether you're looking for investment, pensions, mortgage or even insurance guidance. The advantage of this is that if a financial advisor who is FCA authorised gives you poor advice, and anything goes wrong, you've got guarantees, and can go to the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to get it put right.
Recommendations from family and friends can be a good starting point in selecting a financial advisor in Horwich, but bear in mind that their circumstances could be different to the kind of advice you're looking for. Any advice they offer needs to be adapted to your specific situation, and every financial advisor isn't suitable for everybody. To investigate the various options they can provide and find a financial advisor you feel comfortable with and can trust, it pays to talk to at least three different firms, because picking a financial advisor is a big decision.
When it comes to picking a financial advisor in Horwich, there are basically 2 main types; restricted advisors and independent financial advisors (IFA). Offering a broader range of options, an IFA should not be confined to the services and products of just one company. Independent financial advice should be offered in a frank and impartial way and should cover the entire spectrum of financial products and companies. If you elect to use an independent financial advisor, you'll be able to select from the broadest possible array of products, in order to find the perfect solution for your needs. A restricted advisor might be involved with a single product, such as a mortgage advisor, or be restricted to products and services from a single firm.
Before any Horwich financial advisor takes you on as a client, they are required by the Financial Conduct Authority to be transparent about their charges. You could be charged a set fee, by the hour or even a proportion of your investment, subject to type of service you require. You may be offered the possibility of a free preliminary consultation to allow you to discuss your objectives and determine whether the advisor is the proper choice for you and your circumstances. In some larger Horwich firms, you could find that your account is looked after by a team as opposed to an individual advisor.
Before any advice is handed out you will have to fill out a confidential disclosure document, known as a "Fact Find" form, which tells the advising company about your financial situation and objectives. To provide details about the financial advisor, their status to offer restricted or independent advice and their range of permissions in the financial market, you'll also be handed an Initial Disclosure, or Key Facts Document. If you are not happy with the service, and wish to submit a complaint, this document should also lay down your own rights and the options you can take. It must be typed out in plain language and describe what you're signing up for, and any possible benefits and risks that exist if you decide to accept the advice offered. The level of cooling-off period should also be explained in this Key Facts Document. Within a specific period of time, this makes it possible for you to cancel the contract.
Make sure you check what qualifications and experience the financial advisor has when you first talk to them. Asking these questions shouldn't be a cause for embarrassment, because after all you're about to entrust them with your financial wellbeing. All financial advisors in Horwich must hold at least a Level 4 qualification and be able to present an annual Statement of Professional Standing. When you check the Financial Services Register, you shouldn't freak out if your particular financial advisor's name doesn't appear on there; you ought to be able to find the company name, and this means that the legislation covers all of their employees. The individual may still offer financial guidance rather than advice, if these cannot be provided. Guidance is somewhat different to advice as it is not regulated in the same way, and if financial blunders occur there will likely be no recourse to either party.
If it's investments that you are interested in, the advisor will need to know the amount of risk you are ready to take with your hard-earned cash. Higher risk investments could potentially offer substantial rewards, but some or all of your capital could be lost. Your savings goals must be considered if the best investment and financial advice is to be given, i.e. how much you have to invest, short or long term investments and how rapidly you need to access your money. One question you should ask yourself, which is normally ignored, is just how much you can actually afford to lose. This may influence the products and services that could be offered for your consideration, and is referred to as your 'capacity for loss'.
You will have to tell your financial advisor about any current investments, savings accounts, regular payments or mortgage loans. This should give a clear and full picture of your current financial circumstances, without which the advice given may not be the most appropriate for you. Good quality financial advice should include diversifying your savings and investments by spreading the risk load across a range of different products. A seasoned financial advisor in Horwich will have the knowledge of the best products to consider, which reflect your financial situation and your goals.
A financial advisor will reveal the multifaceted world of finance, and try to communicate in as plain a speech as possible. After learning about the services and products that meet your needs, you should be in a position to come to an informed and intelligent decision. If environmental issues are important to you, you could ask that ethical savings and investment schemes take precedence. This will allow you to give your support to businesses and companies which address your concerns, i.e. green energy or zero carbon, or perhaps steering clear of companies that don't meet your requirements.
Working alongside your financial advisor in Horwich can be difficult to manage around your work life and other obligations. To allow you to get advice at times that suit you, one-on-one appointments can be backed up with video conferencing and telephone calls. Working from home and remote working is now a large part of our society, and a professional financial advice firm in Horwich will have stringent measures in place to keep your details confidential and secure, even if you never have an in-person meeting with your personal advisor.
Investments can easily go down as well as up, because the financial sector can be a volatile one. It can be very stressful and frustrating if your investment is not making as much money as you were hoping for. Unfortunately, a downward trend in your investment isn't seen as a basis for complaint, unless of course it is owing to misleading or wrong information from your financial advisor.
The company's complaints procedure should be the best place to start with any disputes, and the Key Facts Document should explain this. If the problem is unresolved within the time set out 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.
After reviewing the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. If the complaint is found to be justified, a decision will be made on how to financially compensate the client. On acceptance by the customer, the decision will become a legally binding one, and the financial advisor and their firm must abide by it. Any annoyance, trouble, distress and inconvenience caused to the customer during the dispute, will be taken into account when the Ombudsman fixes the level of compensation.
Financial advice can be provided in Horwich and also nearby in: Rivington, Westhoughton, Blackrod, Chorley, Haigh, Lostock, Middlebrook, Grimeford Village, Bottom o the Moor, Deane, Anderton, Barrow Bridge, Bolton, Limbrick, Adlington, and in these postcodes BL6 5PT, BL6 4WT, BL6 4YU, BL6 5NG, BL6 4LY, BL6 4GG, BL5, BL6 5GY, BL5 3NJ, BL5 2FN. Locally based Horwich financial advisors will likely have the telephone dialling code 01204 and the postcode BL6. Click on the "enquiry" banner to get specifics of financial advisors in your area.
Greater Manchester Financial Advice Enquiries
The latest Greater Manchester financial advice enquiries: Andrea and Beau Burton from Springhead recently enquired about life assurance. Imani Featherstone from Blackrod, Greater Manchester recently asked for information on equity release. Riley and Noel Tait from Mottram in Longdendale, Greater Manchester recently asked for information on financial planning. Arya Lees and Jose Lees from Bickershaw, Greater Manchester recently asked for information on financial planning. Aubrey and Orla Sharkey from Bramhall recently asked for information on mortgages. Richard Quinn from Hale Barns recently enquired about equity release. Zaynah Beaumont and Damien Beaumont from Bredbury recently enquired about offshore investments. Star Grundy from Ainsworth recently enquired about family income benefit.
Financial Advisors Greater Manchester
In the Greater Manchester area you'll also discover: Pendlebury investment advisors, Bramhall investment advisors, Offerton Park financial advice, Hollingworth financial advice, Flowery Field investment advisors, Hollinwood financial advisors, Irlam financial advisors, Mossley investment advisors, Hale Barns investment advice, Standish investment advice, Delph financial advisors, Higher Folds investment advice, Hattersley investment advice, Elton financial advice, Blackrod investment advisors, Partington investment advisors, Standish investment advisors, Ince in Makerfield financial advisors, Saddleworth investment advisors, Lowton financial advisors, Guide Bridge financial advice, Springhead investment advice, Dukinfield financial advisors, Bradshaw financial advisors, Kearsley financial advice, Norden financial advisors, Tyldesley financial advisors, Aspull financial advice, Bryn financial advice.
Day to Day Tasks of a Financial Advisor
- Financial advisors recommend the best-suited financial products to their customers.
- Financial advisors keep detailed records of potential clients and transactions.
- Financial advisors work together with associates to obtain trends, market information and statistics.
- Financial advisors make advantageous deals with with providers of financial products.
- Financial advisors produce in-depth financial reports.
- Financial advisors meet performance and sales targets.
- Financial advisors provide education, consultation and counselling regarding investments and finances.
- Financial advisors speak with clients about their plans and finances.
- Financial advisors update customers regarding their investments.
- Financial advisors keep up to date with legislation changes and new products.
Horwich Financial Advice Services
There is a range of services which are provided by your local Horwich financial advisor including annuity purchase Horwich, retirement planning, cashflow analysis, equity release advice in Horwich, mutual funds, bridging finance, business financial planning Horwich, portfolio management in Horwich, wealth management & investments, life assurance advice in Horwich, stakeholder pensions, family income benefit Horwich, long term care fee advice Horwich, pension drawdowns Horwich, annuities, cheap financial advice, life insurance advice, corporate financial planning in Horwich, personal financial planning Horwich, pension planning, will writing services, pension consolidation, trusts, pension reviews, general financial planning, and more.
Financial Advisors Near Horwich
Also: Haigh financial advisors, Blackrod financial advisors, Middlebrook financial advisors, Barrow Bridge financial advisors, Deane financial advisors, Rivington financial advisors, Limbrick financial advisors, Chorley financial advisors, Westhoughton financial advisors, Anderton financial advisors, Lostock financial advisors, Bottom o the Moor financial advisors, Adlington financial advisors, Grimeford Village financial advisors, Bolton and more.
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Financial Advisors Around Horwich: Financial advice has recently been provided in these Horwich areas and streets - Back Crown Street, Manor Road, Back Rawlinson Street, Telford Street, Toxhead Close, Berwyn Close, Higherbrook Close, Salisbury Road, Back Chapel Street, Park Lane, James Street, Matchmoor Lane, Douglas Close, Maple Avenue, Richmond Street, Hopwood Avenue, Back Owen's Row, Burnden Way, Hartley Street, Snowdon Drive, Lever Park Avenue, Brownlow Road, Rawlinson Street, Robinson Street, William Street, Poplar Avenue, Fairbairn Street, Cooke Street, as well as these local Horwich postcodes: BL6 5PT, BL6 4WT, BL6 4YU, BL6 5NG, BL6 4LY, BL6 4GG, BL5, BL6 5GY, BL5 3NJ, BL5 2FN.
More Greater Manchester Financial Advisors: More Cheadle Hulme, Stalybridge, Hyde, Chadderton, Atherton, Royton, Salford, Westhoughton, Hindley, Golborne, Ashton-in-Makerfield, Urmston, Manchester, Bury, Denton, Rochdale, Whitefield, Middleton, Walkden, Oldham, Farnworth, Gatley, Ashton-under-Lyne, Droylsden, Irlham, Romiley, Altrincham, Radcliffe, Wigan, Dukinfield, Swinton, Bolton, Eccles, Heywood, Stretford, Sale, Leigh, Stockport and Horwich.:
To obtain local Horwich information check here
Independent financial advisor in BL6 area, (dialling code 01204).
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