Financial Advisor Liversedge

Liversedge Independent Financial Advice & Investment

Financial Advisor Liversedge West Yorkshire (WF15): If you are in search of financial advice for the first time, trying to find a good independent financial advisor in the Liversedge area can be a daunting experience. Whether you're looking for mortgage, pensions, investment or even insurance guidance, all qualified financial advisors have one thing in common; they must all observe the regulations of the Financial Conduct Authority (FCA). The advantage of this is that should a financial advisor who is FCA certified give you poor quality advice, and anything goes wrong, you have guarantees, and can contact the Financial Ombudsman or the Financial Services Compensation Scheme to have it put right.

Free Liversedge Financial Advisor Quotes

Family and friends recommendations can be a good starting point in picking a financial advisor in Liversedge, but keep in mind that their situation may be different to the kind of advice you're looking for. Financial advice should be individually tailored to your particular situation, and you'll find that some financial advisors might not be suitable for your requirements. It pays to talk to at least 3 different firms when you're choosing 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 also investigate the options they offer.

Financial Advisor Liversedge West Yorkshire (WF15)

There are two main types of financial advisor in Liversedge; restricted advisors and independent financial advisors. An independent financial advisor should not be limited to just one company's products or services. Independent financial advice must encompass the entire spectrum of financial companies and products, and must be offered in an unbiased way. Using an IFA should permit you to select from the widest possible range of products. A restricted advisor could be involved with a single product, as with a mortgage advisor, or be limited to services and products from a particular firm.

Before taking you on as a client, any Liversedge financial advisor must fully discuss their charges with you, as demanded by the FCA. You could be charged a set fee, by the hour or possibly even a percentage of your investment value, subject to kind of services you are looking for. To allow you to discuss your objectives and find out if the advisor is the correct fit for your circumstances, a free preliminary consultation might be offered. In some of the larger Liversedge companies, you could find that your account is being handled by a team rather than an individual.

Financial Advisors Liversedge UK (01274)

You will be required to fill out a "Fact Find" form, which is a confidential disclosure document relating your financial situation and ambitions to the advising company. You will also be handed a Key Facts Document, or Initial Disclosure Document, which gives you information about the financial advisor, their situation for offering independent or restricted advice and the extent of their permissions in the financial arena. This document should also lay out your own rights and the options you can take if you're not satisfied with the service, and need to make a complaint. It must be typed out in plain English and detail what you're signing up for, and any possible benefits and risks that exist should you decide to take the offered advice. This document should also inform you about the allowed cooling-off period. This makes it possible for you to have a change of heart within a specific period of time, and cancel your agreement with the financial advisor.

When talking to the financial advisor the very first time you'll want to check their qualifications and experience. You shouldn't be embarrassed about asking these questions, after all you're about to entrust your financial wellbeing to their skill. A Level 4 qualification in financial advice is the minimum certification for any Liversedge financial advisor, and they also have to be able to present an annual Statement of Professional Standing. When you check the Financial Services Register, you shouldn't panic if your particular financial advisor's name doesn't appear on there; you ought to be able to locate the firm name, and that means the legislation covers all of their employees. If these can't be provided the individual can still offer financial guidance as opposed to financial advice. Guidance differs to advice as it's not regulated in the same way, and if financial blunders are made there will likely be no recourse to the client.

Financial Advisor Quotes in Liversedge West Yorkshire

If you are needing advice on investing money you will be asked the amount of risk you are prepared to accept. Most investments carry some element of risk, but higher risk investments could offer higher rewards, but also more likelihood of losing some or all of your money. In order to get the most effective financial and investment advice, your savings objectives will have to be taken into account, i.e. how quickly you need access to your funds, long or short term investments and how much you wish to invest. "How much money can you actually afford to lose?" Is the one question that you should really be asking yourself. This is generally referred to as your capacity for loss and might influence the products and services that could be offered to you.

Financial Advice Near Liversedge West Yorkshire

You should tell your financial advisor about your current investments, mortgage loans, personal savings or regular payments. This will provide a clear picture of your financial circumstances, and without this the advice you get may not be the most suitable for you. Good financial advice should allow for diversifying your investments and savings by spreading the risk across various different products. With an understanding of the best areas to consider, a seasoned financial advisor will concentrate on products that match your financial circumstances and goals.

Communicating in in the simplest terms possible, your financial advisor will reveal the complex world of investment and finance. You should be in a position to come to an informed decision when you have compared the various products and services that match your needs. You can ask your advisor only to choose ethical savings and investments. This allows you to lend support to businesses and firms that address your concerns, i.e. zero carbon or green energy, or perhaps avoiding investments that do not meet your standards.

It isn't always easy to work closely with a financial advisor in Liversedge without this impacting your work life and other responsibilities. To allow you to get advice at a time to suit you, one-on-one meetings can be supplemented with telephone and video conferencing. Even if you never have a one-on-one meeting with your advisor, any professional financial advice firm in Liversedge will have rigorous measures in place to keep your details secure and confidential, because working from home and remote working is now a large part of our society.


You must always understand that the financial sector can be volatile, and the value of your investments can just as easily fall as well as rise. If your investment fails to make as much money as you were hoping for, it can be extremely worrying and disheartening. A downward trend in your investment isn't a recognised grounds for complaint, unless your financial advisor has given you misleading or wrong information.

Independent Financial Advisor Near Liversedge (WF15)

As indicated in the Key Facts Document, any disputes should start with the company's complaints procedure. If the matter is unsolved within the period stipulated by the regulating body, and your advisor is registered with the Financial Conduct Authority, you can inform the Financial Ombudsman.

After independently reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. If it is established that the complaint is justifiable, a decision is made on how the customer can be compensated. The financial advisor and their firm must abide by any ruling that's made by the Ombudsman, which becomes a legally binding decision once the client has accepted it. Any inconvenience, hassle, distress and annoyance caused to the client during the dispute, will be taken into account when the Financial Ombudsman establishes the level of compensation.

Book a Financial Advisor in Liversedge UK

Financial advice can be provided in Liversedge and also in nearby places like: Hartshead Moorside, Norristhorpe, Hartshead, Staincliffe, Littletown, Lower Wyke, Bailiff Bridge, Roberttown, Rawfolds, Clifton, Hightown, Westfield, Gomersall, Spen, Scholes, as well as in these postcodes WF15 6NL, BD19 5LL, WF15 6PQ, WF15 6AH, WF14 0DH, BD19 6JD, WF15 6BS, WF15 6HD, WF15 6PW, WF15 6AF. Local Liversedge financial advisers will likely have the phone code 01274 and the postcode WF15. Checking this will confirm that you are accessing local financial advisers. Liversedge property owners are able to utilise these and lots of other similar services. Simply click on the "enquiry" banner to get information on financial advisors in your location.

Pension Planning

Vital for a secure retirement is pension planning. Significant enhancement of this process can result from engaging a financial advisor's services. Designing a personalised pension solution, a competent advisor will assess your current financial circumstances and understand your retirement objectives. The State Pension, workplace pensions, and SIPPs (self-invested personal pensions) are among the UK pension alternatives they navigate with intricacies. To make informed decisions about tax implications, investment choices and contributions, you can take full advantage of their expertise. To create a solid pension plan, providing financial stability and peace of mind for your future, working with a financial advisor in Liversedge is essential.

At the centre of UK pension planning is the State Pension, a government-backed scheme that provides a standard level of retirement income. The amount of State Pension you receive will generally depend on how many National Insurance contributions you have made over your working life. Understanding the intricacies of the State Pension scheme is more important than ever before, because of changes to the number of qualifying years and the State Pension age. (42316)

A Financial Advisor's Everyday Duties

  • A financial advisor keeps fully up to date with legislation changes and new financial products.
  • A financial advisor continually updates customers regarding their investments.
  • A financial advisor provides consultation, education and counselling regarding finances and investments.
  • A financial advisor keeps a record of potential clients and transactions.
  • A financial advisor makes deals with with providers of financial products.
  • A financial advisor produces financial reports.
  • A financial advisor talks with clients about their finances and plans.
  • A financial advisor works in collaboration with associates to obtain statistics, market information and trends.
  • A financial advisor meets sales and performance targets.
  • A financial advisor recommends the financial products that are best-suited to clients.

Liversedge Financial Advice Services

Financial Advice Tasks Liversedge

There is a range of services which are provided by your local Liversedge financial advisor including life insurances, familt controlled trusts, portfolio management, pension consolidation advice Liversedge, independent financial advice, offshore investment advice, retirement planning, investment advice, mortgage financial planning, family income benefit, wealth management & investments, ethical investment advice in Liversedge, mutual funds Liversedge, pension drawdowns, investment bonds, cheap financial advice, tax advice in Liversedge, pension transfer advice in Liversedge, life assurance in Liversedge, personal financial planning Liversedge, cash flow modelling, annuities, general financial planning, money planning, pension planning in Liversedge, business financial planning in Liversedge, cashflow planning, investment consolidation in Liversedge, corporate bonds Liversedge, death benefits, and lots more. These are just an example of the tasks that can be handled by a financial advisor. Liversedge professionals will keep you informed about their entire range of financial services.


Financial Advisors Near Liversedge

Also find: Bailiff Bridge financial advisors, Clifton financial advisors, Westfield financial advisors, Scholes financial advisors, Rawfolds financial advisors, Roberttown financial advisors, Gomersall financial advisors, Hartshead financial advisors, Hartshead Moorside financial advisors, Littletown financial advisors, Lower Wyke financial advisors, Norristhorpe financial advisors, Spen financial advisors, Hightown financial advisors, Staincliffe financial advisors and more. Those who are hunting for financial advice, will find that such services are available in the majority of these localities. Property owners in these places can make enquiries about financial advice by going here.

Liversedge Financial Advice Services

Find a Financial Advisor in Liversedge Here
Financial Advice Enquiries in Liversedge West Yorkshire (01274)
  • Liversedge Trustee Investments
  • Liversedge Pension Advice
  • Liversedge Estate Planning
  • Liversedge Life Insurance Advice
  • Liversedge Financial Advice Quotations
  • Liversedge Financial Services
  • Liversedge Inheritance Advice
  • Liversedge Wealth Management
  • Liversedge Investment Advice
  • Liversedge Corporate Financial Planning
  • Liversedge Cashflow Analysis
  • Liversedge Retirement Advice
  • Liversedge Mortgage Advice
  • Liversedge Tax Advice

To find local information relating to Liversedge, West Yorkshire go here

Independent financial advisor in WF15 area, 01274.

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(This financial advisor Liversedge content was revised and updated on 20-02-2024)