Financial Advisor Liverpool

Liverpool Independent Financial Advice & Investment

Financial Advisor Liverpool Merseyside (L1): Locating a decent independent financial advisor in Liverpool can be a challenging experience, especially if you are seeking financial advice for the very first time. Whether you're looking for mortgage, pensions, investment or even insurance guidance, all financial advisors have one thing in common; they all have to adhere to the regulations set by the FCA (Financial Conduct Authority). Any advice given by a FCA registered financial advisor in Liverpool comes with guarantees that if things go awry, you've got access to the Financial Ombudsman or the Financial Services Compensation Scheme.

Free Liverpool Financial Advisor Quotes

When selecting a financial advisor in Liverpool, a good place to start could be friends and relations, however you must bear in mind that your situation may not be the same as theirs, and you might be in need of a different sort of advice. Financial advice must be individually tailored to your unique situation, and you will find that some financial advisors may not be suitable for you. It is a good idea to chat to at least 3 different firms when you are picking a financial advisor, since this is an important decision, and you'll be looking to find one that you feel comfortable with and can trust, and at the same time check out the various options they offer.

Financial Advisor Liverpool Merseyside (L1)

When you are looking to pick a financial advisor in Liverpool, there are basically two main types; restricted advisors and independent financial advisors (IFA). Offering a more extensive range of options, an IFA should not be limited to the products and services of just one provider. Covering the entire spectrum of financial products and companies, independent financial advice should be given in an impartial and unbiased way to clients. This will allow you to choose from the widest possible range of products to suit your needs. A restricted advisor may be limited to products and services from a single company, or may even concentrate on a specific product, as you might find with a mortgage advisor.

Before any financial advisor in Liverpool takes you on as a client, they are required by the Financial Conduct Authority to be transparent about their charges. You may be charged by the hour, a set fee or maybe even a specific percentage of your investment, contingent on kind of services you're interested in. You will sometimes be offered a free preliminary consultation to enable you to discuss your goals and determine whether the advisor is a good fit for your circumstances. Your account might be handled by a team rather than a single advisor, if you choose to go with one of the bigger firms in Liverpool.

Financial Advisors Liverpool UK (0151)

You will be required to fill in a "Fact Find" document, which is a confidential disclosure form relating your financial situation and ambitions to the advising company. You should also be given an Initial Disclosure, or Key Facts Document, which gives you information about the financial advisor, their status to offer independent or restricted advice and their range of permissions in the financial arena. If you're not satisfied with the service, and wish to make a complaint, this document will also lay out your own legal rights and the options you can take. It should outline exactly what you are committing yourself to, and any potential risks and benefits if you decide to take the advice offered, and it should be laid out in clear language. You will find the amount of cooling-off period in this document. This permits you to have a change of heart within a certain period of time, and cancel your contract with the financial advisor.

You need to check what experience and qualifications the financial advisor has the first time you talk to them. Do not be self-conscious about asking such questions, after all you're on the verge of entrusting your financial wellbeing to their expertise. A Level 4 qualification in financial advice is the minimum qualification for any financial advisor in Liverpool, and they must also be in a position to show an annual Statement of Professional Standing. When checking the Financial Services Register, you shouldn't stress if your specific financial advisor's name does not show up on there; you should be able to locate the company name, and that means the regulations covers all of their employees. If these cannot be provided the person can still offer financial guidance as opposed to advice. Guidance is not regulated in the same way as financial advice, meaning that if errors are made neither party will have any recourse.

Financial Advisor Quotes in Liverpool Merseyside

If it is investing money that you're interested in, the advisor will want to know the level of risk you might be prepared to accept with your hard-earned cash. Better rewards may be possible with high risk investments, however you stand a greater chance of losing some or all of your capital. Your savings aims will need to be carefully considered if the best financial and investment advice is to be given, i.e. how much you have to invest, how quickly you need to access your funds and short or long term investments. "How much money can you actually afford to lose?" Is the one question that you really need to ask yourself. Commonly called your 'capacity for loss', this will very likely have an effect on services and products that you're offered.

Financial Advice Near Liverpool Merseyside

If you have already got any existing savings accounts, regular outgoing payments, mortgages or investments, you have to let your financial advisor know about these. They'll need these details, so they can get a clear picture of your financial situation and give the best advice for your needs. Spreading the risk load across different products through the diversification of your investments and savings, is something that smart financial advice should allow for. A competent financial advisor in Liverpool will understand the best areas to consider, which match your financial situation and your goals.

Your financial advisor will communicate in as plain a speech as possible, while unmasking the complex world of finance. You should be able to make an informed decision once you have learned about the various services and products that match your needs. You can perhaps ask your financial advisor to only choose ethical investments and savings. You can then stay away from corporations that firms meet your standards, and instead support those businesses and companies that address your concerns, for example green energy or zero carbon.

Working closely with your financial advisor in Liverpool can be challenging to fit in around work and other responsibilities. To enable you to seek advice at times that suit you, face-to-face meetings can be augmented with telephone calls and video conferencing. Working from home and remote working is now a large part of our society, and an established financial advice firm in Liverpool will have rigorous measures in place to keep your details confidential and secure, even if you never have a face-to-face meeting with your advisor.


You need to keep in mind that the financial sector can be unpredictable, and the value of your investments can just as easily go down as well as up. If it happens that your investment fails to make the amount of money you hoped for, it can be an extremely stressful and disheartening time. A downward trend in your investment is not a recognised grounds for complaint, unless your financial advisor has given you misleading or wrong information.

Independent Financial Advisor Near Liverpool (L1)

As outlined in the Key Facts Document, any disputes should begin with the company's official complaints procedure. If the issue remains unresolved within the time-frame set by the regulating body, and the financial advisor is registered with the FCA, you can get in touch with the Financial Ombudsman.

After independently reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. If the complaint is found to be justified, a decision will be made on how to rectify the situation or financially compensate the client. Once the decision has been agreed on by the client it becomes a legally binding decision that the financial advisor and their firm, must abide by. Any compensation fixed by the Financial Ombudsman will also account for any trouble, upset, inconvenience and distress caused to the customer during the dispute.

Book a Financial Advisor in Liverpool UK

Financial advice can be provided in Liverpool and also nearby in: Prescot, Otterspool, Vauxhall, Huyton, Childwall, Bootle, West Derby, Edge Hill, Everton, Tarbock, Fairfield, Knowsley, Garston, Wavertree, Kensington, Kirkdale, Orrell Park, Bankhall, Toxteth, and in these postcodes L1 2SA, L1 4AZ, L1 3DY, L1 3DR, L1 3ED, L1 1EP, L1 4DH, L1 0BN, L1 4EZ, L1 1JN. Locally based Liverpool financial advisors will most likely have the postcode L1 and the telephone dialling code 0151. Click the "enquiry" banner to get details about financial advisors in your area.

Financial Advice Enquiries Merseyside

Merseyside Financial Advice Enquiries

Recently posted Merseyside financial advice enquiries: Mr and Mrs Mcintyre from Haydock, Merseyside recently asked for information on offshore investments. Angelina Forsyth and Albi Forsyth from Woodchurch, Merseyside recently enquired about offshore investments. Aaminah Bryson from Eccleston, Merseyside recently asked for information on pensions. Emilia Richardson and Zakaria Richardson from Windle, Merseyside recently enquired about mortgage advice. Rupert Wormald and Mahi Wormald from Litherland recently enquired about life assurance. Terry Chaplin from Aintree, Merseyside recently enquired about life assurance. Millicent Ansell and Dennis Ansell from Rainhill recently enquired about life assurance. Kush Hodgson from Sefton recently asked for information on financial planning.

Skills Required by Financial Advisors

  • Good verbal communication skills.
  • To be target driven.
  • Good customer service skills for identifying customer needs.
  • Excellent business management skills for the negotiation of product fees.
  • To be able to competently use a computer and the appropriate software programs.
  • A good level of math knowledge for developing financial plans.
  • To pay attention to detail and be thorough.
  • The ability to promote products and services.
  • A good understanding and knowledge of economics and accounting with regard to financial markets and products.
  • To have the ability to network and establish solid relationships with clients.
  • Attentive interpersonal and listening skills.

Liverpool Financial Advice Services

Financial Advice Tasks Liverpool

There are a whole host of services which can be provided by your local Liverpool financial advisor including unit trusts, equity release, cheap financial advice Liverpool, personal financial planning, pension drawdowns, corporate financial planning, pension consolidation advice, cashflow analysis Liverpool, investment advice, financial analyst services, stakeholder pensions, mortgage financial planning, financial services Liverpool, mutual funds Liverpool, annuities, retirement advice, offshore investment advice Liverpool, business financial planning, life assurance advice, trustee investment services Liverpool, corporate bonds in Liverpool, portfolio management in Liverpool, investment bonds, life insurances, ISA's, and lots more.


Financial Advisors Near Liverpool

Also find: Huyton financial advisors, Edge Hill financial advisors, Toxteth financial advisors, Otterspool financial advisors, Garston financial advisors, West Derby financial advisors, Bankhall financial advisors, Tarbock financial advisors, Wavertree financial advisors, Fairfield financial advisors, Orrell Park financial advisors, Childwall financial advisors, Prescot financial advisors, Kirkdale financial advisors, Everton financial advisors, Knowsley financial advisors, Bootle financial advisors, Vauxhall financial advisors, Kensington financial advisors and more.

Liverpool Financial Advice Services

Find a Financial Advisor in Liverpool Here
Financial Advice Enquiries in Liverpool Merseyside (0151)
  • Liverpool Cheap Financial Advice
  • Liverpool Corporate Financial Advice
  • Liverpool Life Insurance Advice
  • Liverpool Cashflow Analysis
  • Liverpool Financial Services
  • Liverpool Tax Advice
  • Liverpool Mortgage Advice
  • Liverpool Retirement Advice
  • Liverpool Inheritance Advice
  • Liverpool Trustee Investments
  • Liverpool Estate Planning
  • Liverpool Wealth Management
  • Liverpool Independent Financial Advice
  • Liverpool Pension Advice

Financial Advisors Around Liverpool: In the previous 12 months financial advice was provided in the following Liverpool streets: Aldams Grove, Cairnmore Road, Becontree Road, Sandyville Grove, Carsdale Road, Derby Street, The Gables, The Web Complex, Deepfield Drive, Back Winstanley Road, Sennen Road, Basil Close, Almonds Park, Callander Road, Daisy Mews, The Cedars, Derby Road, Tailors Lane, The Spur, Thomas Lane, Thomas Drive, Dingley Avenue, Deverell Road, Carrfield Avenue, All Saints Road, Thornholme Crescent, Bathurst Road, Cassville Road, The Round Meade, School Lane, and in these Merseyside postcodes: L1 2SA, L1 4AZ, L1 3DY, L1 3DR, L1 3ED, L1 1EP, L1 4DH, L1 0BN, L1 4EZ, L1 1JN.

If you want local information on Liverpool, Merseyside check here

Financial Advisor Jobs Liverpool: Get financial adviser jobs in Liverpool here: Financial Advisor Jobs Liverpool

Independent financial advisor in L1 area, 0151.

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