Financial Advisor Horwich

Horwich Independent Financial Advice & Investment

Financial Advisor Horwich Greater Manchester (BL6): If you're in search of financial advice for the very first time, trying to find a decent independent financial advisor in the Horwich area can be a daunting experience. Nevertheless, all professional financial advisors have one thing in common; they must all stick to the regulations laid down by the Financial Conduct Authority, regardless of whether you are looking for investment, mortgage, pension or even insurance guidance. Any advice given through a FCA registered financial advisor in Horwich comes with the guarantee that should things go awry, you can get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme.

Free Horwich Financial Advisor Quotes

When selecting a financial advisor in Horwich, a good place to begin could be friends and relations, however you must remember that your circumstances might not be the same as theirs, and you might need a different type of advice. Every financial advisor isn't suitable for everyone, and their advice should be tailored to your unique circumstances. It pays to speak to at least three different firms when you are choosing a financial advisor, since this is a major decision, and you will be looking to find one that you can trust and feel at ease with, and explore the various options they offer.

Financial Advisor Horwich Greater Manchester (BL6)

There are 2 principal kinds of financial advisor in Horwich; independent financial advisors (IFA) and restricted advisors. An independent financial advisor should not be restricted to the services and products of just one provider. Independent financial advice must encompass the full gamut of financial companies and products, and should be given in an unbiased way. If you opt to use an independent financial advisor, you'll be able to pick from the widest possible array of products, so as to find the right solution for your needs. If you use a restricted financial advisor you'll soon realise that they may be limited to products and services of one particular provider, or as with a mortgage advisor, may only be focused on one product.

Before taking you on as a client, any financial advisor in Horwich must tell you about their charges, as set out by the FCA. You may be charged a set fee, by the hour or maybe even a percentage of your investment, in accordance with kind of services you are interested in. To discuss your objectives and determine whether the advisor is a right fit for you and your circumstances, a free preliminary consultation may be offered. In some of the larger Horwich companies, you may find that your account is being managed by a team rather than an individual advisor.

Financial Advisors Horwich UK (01204)

To describe your financial situation and goals to the advising company, you will need to fill out a "Fact Find" form, which is a confidential disclosure document. To provide information on the financial advisor, their status to offer restricted or independent advice and their range of permissions in the financial market, you will also be handed an Initial Disclosure, or Key Facts Document. Your own legal rights should also be laid out in this document, along with the options you can take if you wish to submit a complaint because you're not happy with the service you're given. It must be simple to understand, written in layman's terms, and outline exactly what you're signing up for, along with the risks and benefits of going along with the advice. The cooling-off period should also be fully explained in this Key Facts Document. This enables you to change your mind within a specific number of days, and cancel your contract with the financial advisor.

When talking with the financial advisor initially ensure that you check their qualifications and experience. Do not be self-conscious about asking such questions, after all you are just about to entrust your financial wellbeing to their skill. Every financial advisor in Horwich must be able to present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. When you check the Financial Services Register, don't panic if your particular advisor's name doesn't appear on there; you ought to be able to locate the firm name, and this means that the regulations covers all of their advisors. The individual may still offer financial guidance instead of advice, if these cannot be provided. Guidance is different to advice as it isn't regulated, and if errors are made there will likely be no recourse to the client.

Financial Advisor Quotes in Horwich Greater Manchester

You will be asked the amount of risk you're prepared to take, if you are seeking advice on investing money. High risk investments could offer larger rewards, however some or all of your funds could be lost. Decent investment and financial advice should take into account your savings aims, i.e. how much you wish to invest, short or long term investments and how rapidly you need access to your money. "How much can you truly afford to lose?" Is the one important question that you should really be asking yourself. Generally known as your 'capacity for loss', this will very likely affect the services and products that you're offered.

Financial Advice Near Horwich Greater Manchester

If you already have any existing regular payments, mortgages, investments or savings, you'll want to tell your financial advisor about these. To make certain that you receive the most appropriate advice for you, they need to have a clear and full picture of your financial situation. Diversifying your savings and investments by spreading the risk across a range of different products, is an important part of good quality financial advice. A qualified financial advisor in Horwich will have the knowledge of the best products to consider, which mirror your financial situation and your goals.

A financial advisor will open up the complex world of finance, and communicate in as much plain speech as possible. You should be able to come to an informed decision after you have compared the various services and products which meet your needs. If you are environmentally minded, you can even ask your advisor to stick to ethical investments and savings. You will then be able to stay clear of businesses that companies meet your requirements, but instead support those firms and organisations that match your concerns, for instance green energy or zero carbon.

Working together with a financial advisor in Horwich can be challenging to fit in around your work life and other obligations. One-on-one meetings can be backed up with telephone calls and video conferencing to enable you to get advice at a time to suit you. Even if you never have a one-to-one meeting with your advisor, an experienced financial advice company in Horwich will have strict measures in place to ensure your details are kept secure and confidential, because working from home and remote working is now so common.

COMPLAINTS

Investment values could go down as well as up, and this is something that you have to remember. If it just so happens that your investment fails to make the amount of money you hoped for, it can be a worrying and demoralising time. However, unless it's because of wrong or misleading information from your advisor a downward spiraling of your investment is not seen as a cause for complaint.

Independent Financial Advisor Near Horwich (BL6)

Any disputes should start out with the firm's complaints procedure as indicated in the Key Facts Document. If the problem is unsolved within the time schedule laid down by the regulating body, and your advisor is a member of the Financial Conduct Authority, you can get in touch with the Financial Ombudsman.

The Financial Ombudsman will independently review the cause of the complaint and come to a decision. If the complaint is upheld, a decision is made on how to financially compensate the customer. This will become a legally binding decision once it has been accepted by the client, and the financial advisor and their firm must abide by the ruling. Any inconvenience, trouble, distress and upset caused to the client during the process, will be accounted for when the Ombudsman fixes the level of compensation.

Book a Financial Advisor in Horwich UK

Financial advice can be provided in Horwich and also in nearby places like: Lostock, Grimeford Village, Westhoughton, Bolton, Deane, Barrow Bridge, Anderton, Chorley, Limbrick, Adlington, Blackrod, Haigh, Rivington, Middlebrook, Bottom o the Moor, and in these postcodes BL6 5QY, BL4 0ZW, BL6 5NP, BL5 1YY, BL5 2YU, BL6 4LE, BL6 4NE, BL6 5GL, BL6 5GH, BL5 3NL. Local Horwich financial advisors will likely have the telephone dialling code 01204 and the postcode BL6. Verifying this should make sure that you access locally based financial advisers. Horwich homeowners can utilise these and various other related services.

Horwich Financial Advice Services

Financial Advice Tasks Horwich

There are a wide range of services that are provided by your local Horwich financial advisor including investment consolidation advice Horwich, financial services, bereavement benefits in Horwich, business planning, pension reviews, pension consolidation advice in Horwich, retirement planning, trustee investment services, ethical investments, personal protection, annuities, ISA's, life assurance Horwich, cash flow modelling, general financial planning Horwich, critical illness cover, financial analyst services Horwich, long term care fee advice, familt controlled trusts, mortgage advice, personal pensions advice Horwich, mutual funds, life insurances, financial planning, annuity purchase, wealth management & investments, inheritance tax planning, savings advice Horwich, pension planning, pension advice Horwich, and more. Listed are just some of the duties that can be undertaken by a financial advisor. Horwich professionals will inform you of their entire range of financial services.

Skills Needed to be Financial Advisors

  • To be thorough and pay attention to detail.
  • To have good IT skills.
  • Effective skills in customer service for finding out client requirements.
  • To have good time management skills.
  • The ability to promote financial products and services.
  • To have the ability to listen attentively
  • An outstanding understanding of accounting and economics with regard to financial markets and products.
  • To be able to network and establish relationships with clients.
  • An outstanding level of math knowledge for producing financial strategies.
  • Effective management skills for negotiating product fees.
  • Outstanding verbal communication skills.
HORWICH FINANCIAL ADVISOR QUOTES

Financial Advisors Near Horwich

Also find: Rivington financial advisors, Bolton financial advisors, Barrow Bridge financial advisors, Limbrick financial advisors, Deane financial advisors, Blackrod financial advisors, Haigh financial advisors, Lostock financial advisors, Adlington financial advisors, Middlebrook financial advisors, Bottom o the Moor financial advisors, Grimeford Village financial advisors, Anderton financial advisors, Westhoughton financial advisors, Chorley financial advisors and more. Most of these villages and towns are catered for by local financial advisers. Horwich residents can get financial advice quotations by going here.

Horwich Financial Advice Services

Find a Financial Advisor in Horwich Here
Financial Advice Enquiries in Horwich Greater Manchester (01204)
  • Horwich Cashflow Analysis
  • Horwich Inheritance Advice
  • Horwich Tax Advice
  • Horwich Estate Planning
  • Horwich Financial Advice
  • Horwich Investment Advice
  • Horwich Financial Advice Quotations
  • Horwich Wealth Management
  • Horwich Retirement Planning
  • Horwich Pension Advice
  • Horwich Corporate Financial Planning
  • Horwich Trustee Investments
  • Horwich Financial Services
  • Horwich Life Insurance Advice

Financial Advisors Around Horwich: In Hope Street, Higherbrook Close, School Street, Lostock Park Drive, Hope Street North, Bleasdale Close, Longworth Road, High Street, Brunswick Avenue, Glabyn Avenue, Abraham Street, Owsten Court, Curteis Street, Gingham Brow, Ridgmont Close, Winton Green, Bosworth Street, Greenstone Avenue, Hawthorne Avenue, Ramsbottom Road, Melbury Drive, Ashness Close, Laburnum Grove, Lindsay Street, Edge Lane, Cheviot Close, Lodge Bank, Catherine Street East, Ealand Chase, as well as these Horwich area postcodes: BL6 5QY, BL4 0ZW, BL6 5NP, BL5 1YY, BL5 2YU, BL6 4LE, BL6 4NE, BL6 5GL, BL6 5GH, BL5 3NL, folks have just recently needed financial and investment advice. Folks residing in these areas recently required the help of a financial advisor. Horwich residents benefited from competent and top quality financial services in every case.

To read local Horwich info take a look here

Independent financial advisor in BL6 area, phone code 01204.

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(This financial advisor Horwich content was reviewed and updated on 01-09-2022)