Financial Advisor Livingston

Livingston Independent Financial Advice & Investment

Financial Advisor Livingston Scotland (EH53): Finding a decent financial advisor advisor in the Livingston area can be a challenging experience, in particular if you're needing financial advice for the first time. Whether it is pensions, investments, mortgage or even insurance advice that you're looking for, there is one common rule for all qualified financial advisors; they all have to observe FCA (Financial Conduct Authority) regulations. The good thing about this is that if a financial advisor who is FCA certified gives you poor quality advice, and things go awry, you have guarantees, and are able to go to the Financial Ombudsman or the Financial Services Compensation Scheme to get things put right.

Free Livingston Financial Advisor Quotes

When picking a financial advisor in Livingston, a good place to start could be neighbours and friends, but you must bear in mind that your circumstances may not be the same as theirs, and you might need a different sort of advice. Every financial advisor isn't suitable for everyone, and any advice they provide needs to be personalised to your specific situation. To check out the various options they are offering and find a financial advisor that you feel comfortable with and can trust, it pays to talk with at least three different firms, because selecting a financial advisor is a big decision.

Financial Advisor Livingston Scotland (EH53)

There are 2 principal types of financial advisor in Livingston; independent financial advisors and restricted advisors. Offering a more diverse range of options, an IFA should not be confined to the services and products of just one provider. Covering the whole gamut of financial companies and products, independent financial advice must be offered in an unbiased and impartial way to clients. Using an independent financial advisor should allow you to select from the widest possible array of products. A restricted financial advisor may be tied to services and products from a single firm, or might even focus on just one product, as may be the case with a mortgage advisor.

Before any financial advisor takes you on as a client, they're required by the Financial Conduct Authority to be transparent about their charges. Although it can vary subject to the kind of product you're looking for, there may be a set fee, an hourly rate, or you might even be charged a specific percentage of what you are investing. A free first consultation could be offered, so you can discuss your objectives and situation to see if the advisor is a good fit. If you use one of the bigger Livingston companies, your account could be looked after by a team of advisors rather than just one individual.

Financial Advisors Livingston UK (01506)

To summarise your desired goals and financial situation to the advising firm, you will need to fill in a "Fact Find" document, which is a confidential disclosure form. To provide information about the financial advisor, their situation for offering restricted or independent advice and their range of permissions in the financial sector, you will also be handed a Key Facts Document, or Initial Disclosure Document. If you aren't satisfied with the service provided, and wish to submit a complaint, this document should also lay down your own rights and the possible options you can take. It has to be typed out in plain English and detail what you are committing yourself to, and any potential risks and benefits should you choose to go along with the offered advice. The level of cooling-off period should also be spelled out in this Key Facts Document. This permits you to cancel the contract within a specific number of days, and if any penalties have to be paid.

The first time you're speaking to your financial advisor ensure that you check what experience and qualifications they've got. After all you're on the verge of entrusting your financial wellbeing to their expertise, so you must not be embarrassed about asking such questions. A Level 4 qualification is the minimum qualification for any Livingston financial advisor, and they also have to be able to provide you with an annual Statement of Professional Standing. You don't need to panic if your particular advisor's name does not show up on the Financial Services Register, providing the company is listed on the register, their advisors are covered by the regulations. If they're unable to provide this evidence, the individual can't offer advice but is permitted to offer financial guidance. In financial terms guidance differs to advice and is not regulated in the same way. Therefore there is no recourse for the client if financial blunders occur.

Financial Advisor Quotes in Livingston Scotland

You'll be asked about the level of risk you are ready to take on, if you are seeking advice on investing money. Many investments carry some degree of risk, but high risk investments may offer bigger rewards, and also more chance of losing your cash. In order to get the very best investment and financial advice, your savings goals will have to be considered, i.e. long or short term investments, how rapidly you need access to your money and how much you have to invest. You must always ask yourself the one crucial question, how much can you truly afford to lose. This might affect the services and products that could be offered for your consideration, and is generally known as your capacity for loss.

Financial Advice Near Livingston Scotland

If you already have any current savings accounts, regular outgoings, investments or mortgage loans, you must let your financial advisor know about these. They'll need this information, so that they can get a clear picture of your financial situation and give the appropriate advice for you. Spreading the risk load across different products by diversifying your investments and savings, is something that good quality financial advice should encompass. A competent financial advisor in Livingston will have the knowledge of the best areas to consider, which mirror your financial situation and your goals.

Your financial advisor will attempt to communicate in as much plain speech as possible, while throwing open the complex world of finance. After comparing the various products and services that meet your needs, you should be in a position to come to an informed and educated decision. You can ask your financial advisor to only specify ethical investment and savings schemes. You will then be able to keep clear of firms that businesses meet your standards, but instead support those organisations and companies that address your concerns, for instance green energy or zero carbon.

It can prove tricky to manage work and other obligations around a close working relationship with your financial advisor in Livingston. To allow you to seek advice at times that suit you, one-on-one meetings can be augmented with phone calls and video conferencing. Even if you never have a face-to-face meeting with your personal advisor, an experienced financial advice firm in Livingston will have strict measures in place to ensure your details are kept confidential and secure, because working from home and remote working is now so common.


You have to remember that the financial sector can be unpredictable, and the value of your investments can just as easily fall as well as rise. It can be incredibly disheartening and worrying if your investment is not making as much money as you hoped for. However, except if it's due to misleading or incorrect information from your financial advisor, your investment having a downward trend isn't a recognised cause for complaint.

Independent Financial Advisor Near Livingston (EH53)

The company's official complaints procedure should be the best place to start with any disputes, and the Key Facts Document will clarify this. If the problem is unresolved within the time-frame set by the regulating authority, and the advisor is a member of the Financial Conduct Authority, you can inform the Financial Ombudsman.

The Financial Ombudsman will look into the cause for complaint and come to a decision. If the complaint is found to be justified, a decision will be made on how to rectify or financially compensate the client. Once agreed on by the customer, the decision will become legally binding, and the advisor and their firm must comply with it. The Financial Ombudsman will also account for any distress, inconvenience, upset and trouble caused to the customer during the process, and fix the level of compensation accordingly.

Book a Financial Advisor in Livingston UK

Financial advice can be provided in Livingston and also in nearby places like: East Calder, Livingston Village, Pumpherston, Uphall, East Whitburn, Dechmont, Newbridge, Bridgend, Seafield, Broxburn, Bathgate, Polbeth, Kirkton Campus, Kirknewton, Winchburgh, Deans, as well as in these postcodes EH54 5LB, EH54 5AF, EH54 5HJ, EH54 5JA, EH54 5HF, EH54 0JS, EH54 5LH, EH54 0EG, EH54 0BZ, EH54 0TP. Locally based Livingston financial advisors will likely have the postcode EH53 and the telephone dialling code 01506. Checking this should make certain that you are accessing local financial advisers. Livingston property owners will be able to benefit from these and lots of other finance related services.

Essential Skills for Financial Advisors

  • To be confident in using a computer and the primary software programs.
  • To have attentive interpersonal and listening skills.
  • To have a flexible approach to work.
  • Outstanding skills in verbal communication.
  • An outstanding level of mathematical knowledge for developing financial strategies.
  • Good business management skills for negotiating product fees.
  • The ability to promote financial services and products.
  • An excellent understanding and knowledge of accounting and economics relating to financial markets and products.
  • To have the ability to network and establish solid relationships with customers.
  • To be thorough and pay attention to detail.
  • Effective skills in customer service for finding out customer requirements.

Scotland Financial Advisors

Advice Scotland Financial Advisor Advisors Advisers Advisor EH53 Livingston Financial Advice Investment Financial 01506 Services

In the Scotland area you can likewise get: Portknockie investment advice, Kirkcudbright investment advice, Pitlochry financial advisors, Gourdon investment advisors, Lanark financial advisors, Luncarty investment advisors, Dufftown investment advice, Ullapool financial advice, Troon financial advice, Whitburn investment advice, Dalmellington financial advisors, Duntocher and Hardgate financial advice, Crieff investment advice, Tranent financial advice, Muirkirk financial advisors, Stewarton investment advice, Kirkintilloch financial advice, Carronshore financial advisors, Invergowrie financial advice, Kemnay investment advisors, Beauly financial advisors, Earlston investment advisors, Abernethy financial advisors, Lesmahagow financial advice, Sandhaven financial advisors, Kirkcudbright investment advisors, Gartcosh investment advice, Newtonmore investment advice, Conon Bridge investment advisors, North Kessock investment advisors.

Financial Advice Enquiries Scotland

Scotland Financial Advice Enquiries

Current Scotland financial advice enquiries: Albi Broughton and Skye Broughton from Windygates, Scotland recently asked for information on pensions. Mr and Mrs Grundy from Lamlash recently asked for information on family income benefit. Ronnie Harman from Dingwall, Scotland recently enquired about getting financial advice. Bruce and Milana Frampton from Muirkirk, Scotland recently asked for information on pensions. Kaia Johnstone from Kinross recently enquired about mortgage advice. Aanya and Ronnie Nash from Huntly recently asked for information on family income benefit. Ruqayyah Marks from Tarbolton recently asked for information on family income benefit. Penelope Lavery and Kobie Lavery from Dunning recently enquired about pension advice. Most of these local residents did a search for "financial advisor Scotland" and located this web page on either Google, Yahoo or Bing.

Livingston Financial Advice Services

Financial Advice Tasks Livingston

There is a variety of services that can be provided by your local Livingston financial advisor including divorce planning Livingston, tax planning Livingston, investment consolidation advice Livingston, cash flow modelling, mortgage advice, life assurance advice in Livingston, wealth management & investments, pension planning in Livingston, savings advice, stakeholder pension advice, multi-asset portfolios Livingston, annuity purchases, trusts in Livingston, bereavement benefit advice in Livingston, income protection in Livingston, financial services, long term care fee planning in Livingston, personal protection in Livingston, business protection Livingston, familt controlled trusts Livingston, annuities, trustee investment services, cheap financial advice in Livingston, inheritance tax planning, investment bonds, pension reviews, general financial planning, corporate financial planning in Livingston, offshore investment advice in Livingston, independent financial advice Livingston, and lots more. These are just some of the duties that can be conducted by a financial advisor. Livingston professionals will let you know their entire range of financial services.


Financial Advisors Near Livingston

Also find: Newbridge financial advisers, Dechmont financial advisers, Livingston Village financial advisers, Deans financial advisers, East Whitburn financial advisers, Pumpherston financial advisers, Seafield financial advisers, Broxburn financial advisers, Polbeth financial advisers, Kirknewton financial advisers, Bridgend financial advisers, Winchburgh financial advisers, East Calder financial advisers, Uphall financial advisers, Bathgate financial advisers, Kirkton Campus financial advisors and more. All of these towns and villages are covered by local financial advisers. Livingston residents can get quotations by going here.

Livingston Financial Advice Services

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

Financial Advisors Around Livingston: In the last year financial advice was provided in the following Livingston streets: West Long Cottages, Mossgiel Cottages, Barclay Way, Lindsay Way, Cromarty Court, Glenfield, Hardie Road, Murieston Castle Farm, Player Green, Almond Court, Curlew Brae, Toronto Avenue, Camps Rigg, West Bankton Place, Fells Rigg, Burnvale, Foxknowe Place, Hazel Grove, Skivo, Adelaide Street, Sycamore Glade, Kirkton South, Cypress Glade, Norman Rise, Murieston Court, Larchbank, Primrose Place, Bankton Park East, Moss Cottages, Northwood Park, and in these Scotland postcodes: EH54 5LB, EH54 5AF, EH54 5HJ, EH54 5JA, EH54 5HF, EH54 0JS, EH54 5LH, EH54 0EG, EH54 0BZ, EH54 0TP. People residing in these local areas recently needed the help of a financial advisor. Livingston residents enjoyed the benefits of professional and competent financial services.

Livingston Financial Advisor Jobs: Find financial adviser jobs in Livingston by going here: Financial Advisor Jobs Livingston

To find local Livingston info take a look here

Independent financial advisor in EH53 area, phone code 01506.

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(This financial advisor Livingston article was successfully updated on 06-05-2022)