Financial Advisor Livingston

Livingston Independent Financial Advice & Investment

Financial Advisor Livingston Scotland (EH53): If you are seeking financial advice for the first time, trying to find a reliable independent financial advisor in the Livingston area can be a quite daunting experience. Whether it's investments, pensions, mortgage or even insurance advice that you're searching for, there is one common rule for all qualified financial advisors; they all have to adhere to Financial Conduct Authority regulations. Any advice given by a FCA authorised financial advisor in Livingston comes with the guarantee that if anything should go awry, you can contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Free Livingston Financial Advisor Quotes

Neighbours and friends recommendations can be a decent starting point in selecting a financial advisor in Livingston, but remember that their situation might be different to the sort of advice you are looking for. Their advice needs to be adapted to your unique situation, and every financial advisor is not suitable for everyone. To explore the options they can provide and find a financial advisor you feel comfortable with and can trust, it is wise to chat to at least three different firms, because after all choosing a financial advisor is a major decision.

Financial Advisor Livingston Scotland (EH53)

There are 2 main types of financial advisor in Livingston; independent financial advisors and restricted advisors. Offering a wider range of options, an independent financial advisor should not be restricted to the products or services of a single company. Covering the full spectrum of financial companies and products, independent financial advice must be given in an honest and unbiased way to customers. This will allow you to pick from the widest range of services to suit your needs. A restricted advisor may be limited to services and products from one particular provider, or may even concentrate on a specific product, as can happen with a mortgage advisor.

Before any financial advisor in Livingston takes you on as a client, they are required by the FCA to fully discuss their charges with you. Dependant upon the product you're looking for, you could be charged a set fee, by the hour or even a slice of your investment value. You might be offered the chance of a free first consultation to enable you to discuss your goals and determine whether the advisor is a right fit for your situation. Your account might be looked after by a team as opposed to one individual advisor, if you elect to use one of the larger Livingston companies.

Financial Advisors Livingston UK (01506)

You will need to fill out a "Fact Find" document, which is a confidential disclosure form relating your ambitions and financial situation to the advising firm. You should also be given an Initial Disclosure, or Key Facts Document, which provides details about the financial advisor, their status to offer restricted or independent advice and the extent of their permissions in the financial arena. This document will also lay out your own legal rights and your options if you aren't satisfied with the service provided, and need to complain. It should outline precisely what you are signing up for, and any possible risks and benefits if you choose to accept the advice offered, and it must be laid out in clear language. This document should also tell you about the allowed cooling-off period. This enables you to have a change of heart within a specific time frame, and cancel the contract with your financial advisor.

The very first time you're talking with the financial advisor you need to check what experience and qualifications they've got. Asking such questions shouldn't cause you any embarrassment, because after all you are entrusting them with your long-term financial wellbeing. Every Livingston financial advisor must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. If the advisor's name doesn't show up on the Financial Services Register, you don't need to panic, the firm the person works for will almost certainly be on the register and their staff will be covered by the regulations. The person may still offer financial guidance as opposed to advice, if these cannot be presented. Guidance is not regulated in the same way as financial advice, which means that if errors arise the client won't have any recourse.

Financial Advisor Quotes in Livingston Scotland

You'll be asked about the amount of risk you're ready and able to accept, if you are seeking advice on investments. High risk investments could offer better rewards, but some or all of your funds could be lost. In order to get the most beneficial investment and financial advice, your savings aims will need to be taken into account, i.e. how rapidly you need to access your money, short or long term investments and how much you have to invest. The one question that you should ask yourself, which is normally ignored, is just how much you can afford to lose. This might influence the products and services that could be offered for your consideration, and is generally known as your 'capacity for loss'.

Financial Advice Near Livingston Scotland

Right from the start, it is imperative that you let your financial advisor know about any existing mortgage loans, investments, personal savings or regular payments that you currently have. To make certain that you receive the most appropriate advice for you, they need to gather a full and clear picture of your financial situation. Reliable financial advice should include diversifying your investments and savings by spreading the risk across a number of different products. In order to mirror your goals and financial circumstances, a professional financial advisor in Livingston will understand the best areas to consider.

Your financial advisor will try to communicate in the clearest possible way, to lay bare the multifaceted world of finance. This will help you to compare products and services that meet your needs, and come to an informed decision. You can maybe ask your financial advisor to only include ethical investment and savings schemes. You will then be able to keep clear of investments that businesses meet your criteria, and instead lend your support to those businesses and firms that address your concerns, for instance green energy or zero carbon.

It can prove hard to manage work and other responsibilities around working closely with your financial advisor in Livingston. One-on-one appointments can be supplemented with phone calls and video conferencing to enable you to get advice at times that suit you. A competent financial advice company in Livingston will have strict measures in place to keep your details confidential and secure, even if you rarely have a one-to-one meeting with your advisor, because home and remote working is no longer unusual.


Investment values can drop as well as rise, and this is a factor that you must always bear in mind. If it happens that your investment is not making the amount of money you were hoping for, it can be an extremely demoralising and stressful time. However, unless it's due to wrong or misleading information from your financial advisor, your investment having a downward trend is not seen as a grounds for complaint.

Independent Financial Advisor Near Livingston (EH53)

Any disputes should begin with the company's official complaints procedure as laid out in the Key Facts Document. You can tell the Financial Ombudsman about the issue if it is unsolved within the period stipulated by the regulating body, and the advisor is registered with the Financial Conduct Authority.

The Financial Ombudsman will independently review the cause for complaint and come to a decision. A decision is made on how to rectify the situation or financially compensate the client, if the complaint is upheld. Once the decision has been agreed on by the client it becomes a legally binding decision which the advisor and their company, must abide by. The Financial Ombudsman will also take into consideration any upset, trouble, distress and inconvenience caused to the client during the dispute, and set the level of compensation proportionately.

Book a Financial Advisor in Livingston UK

Financial advice can be provided in Livingston and also in: Winchburgh, Polbeth, Seafield, Broxburn, Newbridge, Uphall, East Whitburn, Livingston Village, Bathgate, Dechmont, Pumpherston, Bridgend, Kirknewton, East Calder, Kirkton Campus, Deans, together with these postcodes EH54 0BZ, EH54 5LQ, EH54 5AW, EH54 0ES, EH54 5JR, EH54 0SJ, EH54 5AY, EH54 5EP, EH54 5HE, EH54 0JE. Local Livingston financial advisers will probably have the phone code 01506 and the postcode EH53. Verifying this should ensure you are accessing local financial advisers. Livingston householders can utilise these and various other finance related services.

Necessary Skills to be Financial Advisors

  • The ability to promote financial products and services.
  • A solid knowledge and understanding of accounting and economics relating to financial products and markets.
  • To have excellent IT skills.
  • To have the ability to listen attentively
  • Good customer service skills for identifying client needs and requirements.
  • An outstanding level of mathematical knowledge for developing financial strategies.
  • To have the ability to network and establish relationships with customers.
  • Good management skills for negotiating product fees.
  • To pay attention to detail and be thorough.
  • To be self-motivated and organised.
  • Excellent verbal communication skills.

Livingston Financial Advice Services

Financial Advice Tasks Livingston

There are a whole host of services which are provided by your local Livingston financial advisor including trustee investment services, trusts, investment consolidation, tax financial planning, personal pensions advice in Livingston, pension reviews in Livingston, familt controlled trusts, pensions in divorce Livingston, unit trusts, financial analyst services in Livingston, bridging finance Livingston, will writing services, investing an inheritance in Livingston, multi-asset portfolios Livingston, annuities Livingston, investment bonds Livingston, wealth management & investments Livingston, offshore investment advice, pension drawdowns, income protection advice, divorce planning, family income benefit Livingston, saving for children, retirement plans in Livingston, equity release, independent financial advice, corporate financial planning, mortgage services in Livingston, personal financial planning in Livingston, personal protection, and lots more. These are just a small portion of the duties that can be accomplished by a financial advisor. Livingston professionals will inform you of their entire range of services.

Financial Advice Enquiries Scotland

Scotland Financial Advice Enquiries

Latest Scotland financial advice enquiries: Theo Addis and Cassandra Addis in Kinloss, Scotland recently asked for information on mortgages. Lee and Fearne Linley in Huntly recently asked about pension advice. Asia Drury from Markinch recently asked about family income benefit. Dana Bristow and Jaydon Bristow from Alford, Scotland recently asked for information on financial planning. David Martin and Lily-Mae Martin from Kemnay, Scotland recently asked about pension advice. Kaiden Frazer in Alexandria, Scotland recently asked for information on life assurance. Isabel Vaughan and Lee Vaughan from Kingussie, Scotland recently asked about mortgage advice. Aleena and Harrison Ashton in Blairhall recently asked for information on investment bonds. All these local residents searched for "Garden Fencing Scotland" and located this page on either Yahoo, Bing or Google.


Financial Advisors Near Livingston

Also find: Kirkton Campus financial advisors, Polbeth financial advisors, Bathgate financial advisors, Winchburgh financial advisors, Uphall financial advisors, Newbridge financial advisors, East Calder financial advisors, Seafield financial advisors, Broxburn financial advisors, Dechmont financial advisors, Deans financial advisors, Livingston Village financial advisors, East Whitburn financial advisors, Pumpherston financial advisors, Kirknewton financial advisors, Bridgend financial advisors and more. All of these places are catered for by local financial advisers. Livingston residents can get financial advice price quotes by clicking here.

Livingston Financial Advice Services

Find a Financial Advisor in Livingston Here
Financial Advice Enquiries in Livingston Scotland (01506)
  • Livingston Independent Financial Advice
  • Livingston Life Insurance Advice
  • Livingston Financial Advice Quotations
  • Livingston Cashflow Analysis
  • Livingston Estate Planning
  • Livingston Retirement Planning
  • Livingston Cheap Financial Advice
  • Livingston Mortgage Advice
  • Livingston Trustee Investments
  • Livingston Pension Advice
  • Livingston Investment Advice
  • Livingston Financial Services
  • Livingston Tax Advice
  • Livingston Wealth Management

More Livingston Services: Of course, whenever you are looking at your finances in Livingston, Scotland, you will probably be in need of all kinds of different services and along with a financial advisor in Livingston, Scotland, you might also need solicitors in Livingston, mortgage brokers in Livingston, mortgage advice in Livingston, tax preparation in Livingston, wills in Livingston, estate planning in Livingston, business consulting in Livingston, family lawyers in Livingston, investment advisors in Livingston, debt recovery & collection in Livingston, business financial planning in Livingston, payroll services in Livingston, contracts lawyers in Livingston, property law & conveyancing in Livingston, banruptcy lawyers in Livingston, accounting in Livingston, bookkeepers in Livingston, and other different Livingston experts.

Financial Advisors Around Livingston: People who live in the following streets and areas have recently enquired about financial advice - Easter Bankton, Murieston, Scott Brae, Fulmar Brae, Woodlands Park, The Doocot, West Long Cottages, Pentland Park, Cedarbank, Toronto Avenue, Forestbank, Cedric Rise, Macmillan Road, Eagle Brae, Newyearfield Farm Community Centre, Southpark Place, Murieston Castle Farm, Sibbald Place, Pine Grove, Hardie Road, Hawk Brae, Beveridge Square, Selm Park, Lyefield Place, Deer Park Golf & Country Club, Norman Rise, Leving Place, Stevenson Court, as well as the following Livingston area postcodes: EH54 0BZ, EH54 5LQ, EH54 5AW, EH54 0ES, EH54 5JR, EH54 0SJ, EH54 5AY, EH54 5EP, EH54 5HE, EH54 0JE. Folks residing in these areas recently required the help of a financial advisor. Livingston residents received reliable and top quality financial services on every occasion.

If you would like to get local info regarding Livingston, Scotland click here

Independent financial advisor in EH53 area, telephone code 01506.

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(This financial advisor Livingston page was successfully updated on 01-09-2022)