Financial Advisor Leigh Greater Manchester (WN7): It can be an intimidating experience trying to locate a reliable financial advisor advisor in Leigh, particularly if it's the first time that you're needing financial advice. However, all qualified financial advisors have one thing in common; they all have to stick to the regulations of the Financial Conduct Authority, whether you're looking for pension, mortgage, investments or even insurance guidance. This comes with certain guarantees, therefore after getting advice from a FCA certified financial advisor in Leigh, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if anything goes wrong.
A good starting place in choosing a financial advisor in Leigh may be friends and relations, but bear in mind that the sort of advice you are searching for might be significantly different to theirs. Any advice they offer needs to be tailored to your particular circumstances, and not every financial advisor is suitable for everybody. Selecting the right financial advisor is crucial and it pays to chat to at least 3 different firms so as to investigate the various options they offer, and to find one you feel comfortable with and can trust.
There are 2 principal kinds of financial advisor in Leigh; restricted advisors and independent financial advisors. The good thing about using an IFA is that they should not be confined to the products or services of a single provider, and can offer a more diverse range of options. Encompassing the entire gamut of financial products and companies, independent financial advice must be given in an unbiased and impartial way to clientele. Using an independent financial advisor should allow you to choose between the broadest possible range of services. A restricted financial advisor may be focused on a single product, such as a mortgage advisor, or be restricted to products and services from a single firm.
Before any financial advisor in Leigh accepts you as a client, they're required by the FCA to discuss their charges with you. You could be charged a set fee, by the hour or even a proportion of your investment value, based upon product you're looking for. You will sometimes be offered a free preliminary consultation to enable you to discuss your goals and see if the advisor is the correct fit for your circumstances. In some bigger Leigh firms, you could find that your account is being managed by a team rather than an individual.
You will need to complete a "Fact Find" document, which is a confidential disclosure form relating your financial situation and objectives to the advising firm. An Initial Disclosure, or Key Facts Document will also be given to you, providing details of the financial advisors themselves, detailing their scope of permissions in the financial arena and their status to offer restricted or independent advice. If you are not happy with the service, and wish to complain, this document will also set down your own legal rights and your options. It should be easy to understand, written in plain language, and outline precisely what you are committing yourself to, together with the benefits and risks of going along with the advice. The Key Facts Document will also inform you about the allowed cooling-off period. This allows you to cancel your contract within a certain time period, and if any penalty charges have to be paid.
Ensure that you check the qualifications and experience of the financial advisor the first time you speak to them. After all you're just about to entrust your financial wellbeing to their expertise, so you shouldn't be embarrassed about asking these questions. A Level 4 qualification is the minimum qualification for any financial advisor in Leigh, and they also have to be able to present you with an annual Statement of Professional Standing. You shouldn't freak out if your specific financial advisor's name doesn't appear on the Financial Services Register, so long as the firm 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. Guidance isn't subject to regulations in the way that financial advice is, which means that if mistakes occur the client won't have any recourse.
If it is investments that you are interested in, the advisor will ask you about the level of risk you are ready and able to take with your hard-earned cash. Most investments carry some degree of risk, but high risk investments could offer bigger rewards, and also more chance of losing your cash. In order to get the most effective investment and financial advice, your savings goals must be given careful consideration, i.e. short or long term investments, how much you wish to invest and how quickly you need to access your funds. You should invariably ask yourself the one vital question, how much can you actually afford to lose. This may well influence the services and products that could be offered for your consideration, and is generally referred to as your 'capacity for loss'.
From the outset, it is imperative that you tell your financial advisor about any existing investments, mortgage loans, personal savings or regular payments that you currently have. To make certain that you get the most suitable advice for you, they need to gather a clear and full picture of your finances. Spreading the risk load across a number of different products by diversifying your investments and savings, is something that reliable financial advice should allow for. A seasoned financial advisor in Leigh will understand the best areas to consider, which mirror your goals and your financial situation.
A financial advisor will open up the complex world of finance, and speak in the clearest possible way. You should be in a position to come to an informed decision once you have learned about the various services and products that match your needs. If you're environmentally minded, you can ask your financial advisor to stick to ethical investments and savings. This allows you to support companies and organisations that address your concerns, i.e. zero carbon or green energy, or perhaps staying away from firms that don't meet your requirements.
It's not always easy to have a close working relationship with a financial advisor in Leigh without this affecting work and other commitments. Face-to-face meetings can be augmented with telephone calls and video conferencing to allow you to seek advice at a time to suit you. Home and remote working is now a large part of our society, and a professional financial advice firm in Leigh will have stringent measures in place to keep your details secure and confidential, even if you never have a face-to-face meeting with your personal advisor.
Investments can just as easily go down as well as up, because the financial sector can be volatile. If it happens that your investment fails to make the amount of money you hoped for, it can be an extremely frustrating and stressful time. A downward spiraling of your investment is not seen as a basis for complaint, unless your financial advisor has given you misleading or wrong information.
Any grievances should start out with the firm's official complaints procedure as described in the Key Facts Document. You can let the Financial Ombudsman know about the situation if it is unresolved within the timeframe stipulated by the regulating authority, and your advisor is registered with the FCA.
The Financial Ombudsman will come to a decision after reviewing the cause of the complaint independently. A decision will be made on how to rectify or financially compensate the client, if the complaint is upheld. This will become a legally binding decision once it has been accepted by the customer, and the financial advisor and their company must comply with the decision. Any inconvenience, hassle, distress and upset caused to the client during the dispute, will be considered when the Ombudsman establishes the level of compensation.
Financial advice can be provided in Leigh and also nearby in: Leigh End, Firs Lane, Abham, Astley, Plank Lane, Lowton, Lately Common, Atherton, Hope Carr, Bickershaw, Aspull Common, Tydersley, Glazebury, Higher Folds, Westleigh, Hindley Green, as well as in these postcodes WN7 1DP, WN7 1HP, WN7 1HY, WN7 1EH, WN7 1JW, WN7 1HR, WN7 1PP, WN7 1AP, M29 7LH, WN2 4TA. Local Leigh financial advisers will most likely have the postcode WN7 and the dialling code 01942. Simply click the "enquiry" banner or form to get information on financial advisors in your location.
Day to Day Tasks for a Financial Advisor
- Keeping fully up to date with new products and law changes.
- Producing comprehensive financial reports.
- Maintaining a record of clients and transactions.
- Collaborating with providers of financial products.
- Meeting targets for performance and sales.
- Providing consultation, education and counselling regarding investments and finances.
- Recommending the financial products that are best-suited to clients.
- Speaking to customers regarding their plans and finances.
- Working together with associates to gather statistics, market information and trends.
- Updating customers regarding their investments.
Greater Manchester Financial Advisors
Around Greater Manchester you can additionally get: Hollingworth financial advice, Hattersley financial advisors, Hale investment advice, Little Hulton financial advisors, Delph financial advisors, High Lane financial advice, Saddleworth investment advice, Horwich financial advisors, Broadbottom financial advisors, Rhodes investment advice, Winton investment advice, Abram investment advice, Shaw and Crompton investment advisors, Wardle investment advisors, Standish financial advisors, Springhead investment advice, Blackrod financial advisors, Bramhall investment advisors, Newhey financial advisors, Platt Bridge financial advice, Mellor investment advisors, Elton financial advisors, Hawkshaw investment advice, Hollinwood investment advisors, Kearsley financial advisors, Worsley financial advisors, Bramhall investment advice, Broadbottom financial advice, Uppermill financial advisors.
Leigh Financial Advice Services
There are a wide array of services that are provided by your local Leigh financial advisor including pension plans, cheap financial advice, trustee investment services, investment plans Leigh, investment planning, financial planning Leigh, corporate bonds, business financial planning Leigh, life insurances Leigh, independent financial advice, annuity purchase, pension drawdowns, life assurance advice Leigh, will writing services, pension reviews, personal financial planning, ethical investments, financial analyst services, cashflow analysis, investment bonds, mutual funds, inheritance tax planning Leigh, long term care fee planning in Leigh, divorce financial planning Leigh, mortgage services, and more.
Financial Advisors Near Leigh
Also: Tydersley financial advisors, Aspull Common financial advisors, Higher Folds financial advisors, Hindley Green financial advisors, Glazebury financial advisors, Lowton financial advisors, Abham financial advisors, Firs Lane financial advisors, Lately Common financial advisors, Bickershaw financial advisors, Hope Carr financial advisors, Atherton financial advisors, Plank Lane financial advisors, Astley financial advisors, Leigh End financial advisors, Westleigh and more.
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Financial Advisors Around Leigh: Financial advisors were recently requested by folks living in Congresbury Road, Buck Street, Battersby Street, Stowe Gardens, Abbingdon Way, Alpine Drive, Coronation Drive, Stirling Close, Sandersons Croft, Cook Street, Cherry Tree Grove, Alma Street, Dalehead Grove, Bewley Grove, Shadwell Grove, Avon Street, Carisbrooke Road, Beech Crescent, Apple Street, Bright Street, Acorn Close, Clifford Street, Sefton Street, Bellamy Drive, Dale Grove, Church Street, Alderley Lane, Chestnut Lane, Dene Grove, Sanderling Drive and these Leigh postcodes: WN7 1DP, WN7 1HP, WN7 1HY, WN7 1EH, WN7 1JW, WN7 1HR, WN7 1PP, WN7 1AP, M29 7LH, WN2 4TA.
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Independent financial advisor in WN7 area, 01942.
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