Financial Advisor Longton

Longton Independent Financial Advice & Investment

Financial Advisor Longton Staffordshire (ST3): It can be an intimidating experience trying to find a good independent financial advisor in the Longton area, in particular if it's the very first time that you're seeking financial advice. Whether you're looking for investment, mortgage, pension or even insurance guidance, all qualified financial advisors are bound by one common rule; they all have to adhere to the regulations set by the Financial Conduct Authority. The benefit of this is that should a financial advisor who is FCA registered give you poor advice, and things go awry, you have guarantees, and are able to get in touch with the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to have it put right.

Free Longton Financial Advisor Quotes

A decent starting point when picking a financial advisor in Longton can be family and friends, but keep in mind that the kind of advice you're looking for might be different to theirs. Their advice needs to be personalised to your specific circumstances, and every financial advisor is not suitable for everyone. To explore the options they're offering and find a financial advisor that you feel comfortable with and can trust, it pays to chat to at least three different firms, because after all choosing a financial advisor is a big decision.

Financial Advisor Longton Staffordshire (ST3)

Restricted advisors and independent financial advisors (IFA), are the two main kinds of financial advisor in Longton. An IFA will not be confined to a single company's products or services. Independent financial advice should be provided in an impartial way and should cover the entire spectrum of financial products and companies. Consulting an independent financial advisor should permit you to select from the widest possible range of services. A restricted financial advisor could be involved with a single product, as with a mortgage advisor, or be limited to services and products from a particular company.

The FCA requires that any Longton financial advisor must be fully transparent with you about their charges, before accepting you as a client. According to the type of product you are looking for, you could be charged by the hour, a set fee or maybe even a percentage of your investment value. You may be offered the chance of a free preliminary consultation to enable you to discuss your goals and see if the advisor is the proper choice for you and your situation. In some bigger Longton companies, you could find that your account is looked after by a team as opposed to an individual advisor.

Financial Advisors Longton UK (01782)

Before any advice is handed out you will have to complete a confidential disclosure document, called a "Fact Find" form, which tells the advising company about your financial situation and ambitions. To provide details about the financial advisor, their situation for offering restricted or independent advice and the scope of their permissions in the financial market, you'll also be handed an Initial Disclosure, or Key Facts Document. If you are not satisfied with the service, and wish to complain, this document will also lay down your rights and the possible options you can take. It should describe what you are committing yourself to, and any potential benefits and risks if you opt to accept the advice offered, and it must be written in plain English. The Key Facts Document should also inform you about the level of cooling-off period. This makes it possible for you to have a change of heart within a specific number of days, and cancel your agreement with the financial advisor.

When chatting with the financial advisor initially you need to check their qualifications and experience. After all you're about to entrust your long-term financial wellbeing to their skill, so you must not be embarrassed about asking such questions. A Level 4 qualification in financial advice is the minimum required certification for any Longton financial advisor, and they must also be able to provide you with an annual Statement of Professional Standing. You don't need to worry if your particular financial advisor's name does not show up on the Financial Services Register, so long as the company is on the register, their advisors will be covered by the legislation. The individual may still offer financial guidance instead of advice, if these can't be provided. Guidance is different to advice as it's not regulated, and if financial blunders occur there may be no recourse to either party.

Financial Advisor Quotes in Longton Staffordshire

You will be asked about the amount of risk you are willing and able to accept, if you are seeking advice on investing money. Larger rewards may be possible with high risk investments, however you could also lose all or some of your capital. Your savings aims should be taken into account if good investment and financial advice is to be given, i.e. how rapidly you need to access your money, how much you have to invest and long or short term investments. "How much can you truly afford to lose?" Is the one question that you should really be asking yourself. Generally known as your 'capacity for loss', this will most likely affect the products and services that you're offered.

Financial Advice Near Longton Staffordshire

From the outset, it is important to let your financial advisor know about any mortgages, investments, regular outgoings or savings that you currently have. This will give a full and clear picture of your current financial situation, and without this the advice given might not be the best for you. Sound financial advice should include diversifying your savings and investments by spreading the risk across various different products. In order to mirror your financial situation and your goals, a professional financial advisor in Longton will understand the best areas to consider.

Communicating in the clearest way possible, your financial advisor will open up the complex world of finance and investment. After comparing the products and services which match your needs, you should be in a position to come to an informed and knowledgeable decision. You could ask your advisor to only specify ethical savings and investments. You can then keep away from corporations that companies meet your requirements, but instead support those companies and organisations that address your concerns, for instance zero carbon or renewable energy.

It isn't always easy to work closely with a financial advisor in Longton without this impacting on work and other responsibilities. To enable you to get advice at times that suit you, face-to-face appointments can be augmented with video conferencing and phone calls. Home and remote working is now a large part of our society, and a competent financial advice firm in Longton will have stringent measures in place to keep your details confidential and secure, even if you hardly ever have a one-on-one meeting with your advisor.

COMPLAINTS

Investments can be a volatile area, and values could go down as easily as they go up. It can be very demoralising and worrying if your investment fails to make as much money as you were hoping for. However, unless it's because of incorrect or misleading information from your advisor your investment having a downward trend is not a recognised basis for complaint.

Independent Financial Advisor Near Longton (ST3)

As laid out in the Key Facts Document, any grievances should start with the company's official complaints procedure. If the problem remains unresolved within the time-frame stipulated by the regulating authority, and your financial advisor is registered with the FCA, you can notify the Financial Ombudsman.

The Financial Ombudsman will make a ruling after reviewing the cause for complaint independently. A decision will be made on how to rectify the situation or financially compensate the customer, if the complaint is upheld. Once the decision is agreed on by the customer it becomes a legally binding decision which the advisor and their firm, must abide by. Any distress, inconvenience, upset and trouble caused to the client during the dispute, will be accounted for when the Financial Ombudsman fixes the level of compensation.

Book a Financial Advisor in Longton UK

Financial advice can be provided in Longton and also in nearby places like: Blythe Bridge, Cookshill, Normacot, Dresden, Clayton, Caverswall, Blurton, Fenton, Stoke-on-Trent, Adderley Green, Hanley, Florence, Dilhorne, Weston Coyney, Bucknall, Forsbrook, Meir, Trentham, and in these postcodes PR4 5FD, PR4 5DG, PR4 5WJ, PR4 5BT, PR4 5BS, PR4 5WA, PR4 5NL, PR4 5DL, PR4 5GB, PR4 5AR. Local Longton financial advisers will likely have the telephone code 01782 and the postcode ST3. Simply click on the "enquiry" form or banner to get specifics of financial advisors in your location.

Financial Advisors Staffordshire

Services Longton Investment Staffordshire Financial Financial Advice Advisers ST3 Advisor Financial Advisor Advisors Advice 01782

In the Staffordshire area you can additionally find: Madeley investment advisors, Swynnerton financial advisors, Rolleston on Dove financial advice, Cannock Wood financial advisors, Armitage financial advisors, Keele investment advice, Mayfield investment advice, Hopton financial advice, Cannock Wood financial advice, Gnosall investment advice, Hopton investment advisors, Wigginton investment advisors, Weston financial advice, Eccleshall investment advisors, Brindley Heath investment advisors, Hill Ridware investment advisors, Colwich investment advisors, Lower Penn financial advice, Swindon financial advice, Silverdale investment advice, Baldwins Gate financial advice, Gnosall financial advice, Little Haywood investment advice, Fradley financial advice, Burslem financial advisors, Audley investment advice, Hixon financial advisors, Longton financial advice, High Offley investment advisors, Kinver financial advice.

A Financial Advisor's Daily Duties

  • Financial advisors work together with colleagues to obtain market information, trends and statistics.
  • Financial advisors keep detailed records of customers and transactions.
  • Financial advisors update clients regarding their investments.
  • Financial advisors meet targets for sales and performance.
  • Financial advisors speak to clients regarding their finances and plans.
  • Financial advisors negotiate with financial product providers.
  • Financial advisors keep abreast of new products and regulation changes.
  • Financial advisors provide education, counselling and consultation regarding investments and finances.
  • Financial advisors research financial products and explain them clearly and simply to their clients.
  • Financial advisors produce comprehensive financial reports.

Longton Financial Advice Services

Financial Advice Tasks Longton

There is a range of services which are provided by your local Longton financial advisor including mortgage financial planning Longton, cashflow analysis Longton, annuity purchases Longton, retirement planning, life insurances in Longton, personal financial planning Longton, trusts Longton, pension transfer advice, investment planning Longton, pension reviews, bridging finance Longton, offshore investments, pension drawdowns Longton, life assurance advice, financial planning, wealth management & investments, corporate financial planning Longton, income protection in Longton, divorce planning, independent financial advice, cheap financial advice Longton, annuities, pension consolidation advice, inheritance tax planning, corporate bonds, and lots more.

LONGTON FINANCIAL ADVISOR QUOTES

Financial Advisors Near Longton

Also find: Caverswall financial advisors, Bucknall financial advisors, Dresden financial advisors, Adderley Green financial advisors, Cookshill financial advisors, Normacot financial advisors, Trentham financial advisors, Florence financial advisors, Blurton financial advisors, Forsbrook financial advisors, Fenton financial advisors, Meir financial advisors, Weston Coyney financial advisors, Stoke-on-Trent financial advisors, Hanley financial advisors, Dilhorne financial advisors, Blythe Bridge financial advisors, Clayton financial advisors and more.

Longton Financial Advice Services

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More Longton Services: Obviously, whenever you are looking at your finances in Longton, Staffordshire, you are likely to be in need of all kinds of different services and along with a financial advisor in Longton, Staffordshire, you may also need debt recovery & collection in Longton, mortgage advice in Longton, estate planning in Longton, mortgage brokers in Longton, property law & conveyancing in Longton, family lawyers in Longton, accountants in Longton, tax preparation in Longton, investment advisors in Longton, business consulting in Longton, contracts lawyers in Longton, banruptcy lawyers in Longton, will writing in Longton, bookkeeping in Longton, solicitors in Longton, payroll services in Longton, business financial planning in Longton, and other different Longton experts.

Financial Advisors Around Longton: Folks who live in the following roads have just recently enquired about financial advice - Wholesome Lane, Brookway, Birkdale Avenue, The Vinery, Pope Lane, Sedgefield, Mossway, Back Lane, Grangefield, Pinfold, Dickson Hey, Aldon Grove, Regency Gardens, Bentley Park Road, Grove Avenue, Tuson Croft, Thirlmere Close, Franklands, Brownhill Lane, Chapel Meadow, Avalwood Avenue, Marsh Lane, Old School Drive, Birkdale Close, Gorse Grove, Formby Crescent, Moor Field, Little Twining, Farmend Close, as well as these Longton area postcodes: PR4 5FD, PR4 5DG, PR4 5WJ, PR4 5BT, PR4 5BS, PR4 5WA, PR4 5NL, PR4 5DL, PR4 5GB, PR4 5AR.

To get local Longton information check here

Independent financial advisor in ST3 area, and dialling code 01782.

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