Financial Advisor Lytham St Annes

Lytham St Annes Independent Financial Advice & Investment

Financial Advisor Lytham St Annes Lancashire (FY8): If you're seeking financial advice for the first time, trying to find a good financial advisor advisor in the Lytham St Annes area can be a daunting experience. Whether you are looking for investments, pension, mortgage or even insurance advice, all professional financial advisors have one thing in common; they must all stick to the regulations laid down by the Financial Conduct Authority. Any advice given by a FCA registered financial advisor in Lytham St Annes comes with the guarantee that should things go wrong, you can contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.

Free Lytham St Annes Financial Advisor Quotes

When choosing a financial advisor in Lytham St Annes, a decent place to start could be friends and relatives, however you must keep in mind that your situation may not be the same as theirs, and you may need a different type of advice. Any advice they provide should be personalised to your specific circumstances, and every financial advisor is not suitable for everybody. To investigate the options they're offering and find a financial advisor you feel comfortable with and can trust, it pays to talk with at least 3 different firms, because after all picking a financial advisor is an important decision.

Financial Advisor Lytham St Annes Lancashire (FY8)

Independent financial advisors and restricted advisors, are the two principal types of financial advisor in Lytham St Annes. Offering a wider range of options, an IFA will not be confined to the services or products of a single company. Independent financial advice must be given in an impartial and unbiased way and should cover the entire gamut of financial companies and products. Consulting an IFA should permit you to choose between the widest possible array of products. If you use a restricted financial advisor you'll soon realise that they might be restricted to products and services of one particular company, or as in the case of a mortgage advisor, will only be involved with one solitary product.

Before taking you on as a client, any Lytham St Annes financial advisor must tell you about their charges, as demanded by the FCA. Subject to the type of product you're looking for, you could be charged by the hour, a set fee or perhaps even a specific percentage of your investment value. You might be offered the possibility of a free first consultation to enable you to discuss your aims and see if the advisor is the proper choice for you and your circumstances. Your account could be managed by a team rather than a single advisor, if you choose to go to one of the larger companies in Lytham St Annes.

Financial Advisors Lytham St Annes UK (01253)

You'll need to fill in a "Fact Find" document, which is a confidential disclosure form relating your aims and financial situation to the advising company. An Initial Disclosure, or Key Facts Document will also be given to you, to provide information regarding the financial advisors themselves, explaining the scope of their permissions in the financial sector and their status to offer restricted or independent advice. If you're not satisfied with the service, and wish to complain, this document will also set down your rights and the options you can take. It should detail precisely what you're signing up for, and any potential benefits and risks that exist should you decide to take the offered advice, and it should be set down in plain English. You will find the level of cooling-off period in this document. This permits you to cancel the contract within a specific number of days, and if any penalty charges are incurred.

When talking with your financial advisor the very first time you need to check their experience and qualifications. Asking such questions shouldn't cause you any embarrassment, because you are entrusting them with your financial future. A Level 4 qualification in financial advice is the minimum required certification for any Lytham St Annes financial advisor, and they must also be able to present you with an annual Statement of Professional Standing. When you check the Financial Services Register, you shouldn't freak out if your particular financial advisor's name does not appear on there; you should be able to locate the firm name, and this means that the legislation covers all of their staff. If these cannot be provided the individual can still offer financial guidance rather than advice. In financial terms guidance differs to advice and is not regulated. Therefore there is no recourse for either party if mistakes arise.

Financial Advisor Quotes in Lytham St Annes Lancashire

If it is investing money that you're interested in, the advisor will want to know the level of risk you might be willing to take with your hard-earned cash. Higher risk investments may potentially offer substantial rewards, however some or all of your funds could be lost. In order to get the best financial and investment advice, your savings objectives will need to be carefully considered, i.e. how quickly you need access to your funds, short or long term investments and how much you have to invest. You must always ask yourself the one important question, how much can you truly afford to lose. Commonly called your capacity for loss, this will most likely influence the services and products that you are offered.

Financial Advice Near Lytham St Annes Lancashire

You need to let your financial advisor know about any current regular outgoings, personal savings, mortgage loans or investments. To make certain that you get the most suitable advice for you, they need a clear and full picture of your financial situation. Spreading the risk load across different products by diversifying your savings and investments, is something that reliable financial advice should encompass. An experienced financial advisor in Lytham St Annes will be aware of the best products to consider, which match your financial situation and your goals.

Your financial advisor will try to communicate in as much plain speech as possible, while unmasking the multifaceted world of finance. You should be able to make an informed and considered decision once you have learned about the various products and services that match your needs. If environmental issues are important to you, you could ask that ethical investments and savings take precedence. This does not just give you investment possibilities, but also allows you to support zero carbon or renewable energy projects, and steer clear of companies and businesses that don't share the same values as you.

It's not always easy to work closely with a financial advisor in Lytham St Annes without this impacting your work and other obligations. To allow you to seek advice at times that suit you, one-on-one appointments can be backed up with video conferencing and telephone calls. Even if you hardly ever have an in-person meeting with your personal advisor, a professional financial advice firm in Lytham St Annes will have rigorous measures in force to ensure your details are kept secure and confidential, because home and remote working is now a large part of our society.


Investments can just as easily go down as well as up, because the financial world can be unpredictable. If it happens that your investment is not making as much money as you were hoping for, it can be a frustrating and stressful time. A downward spiral in your investment isn't a recognised basis for complaint, unless your financial advisor has given you wrong or misleading information.

Independent Financial Advisor Near Lytham St Annes (FY8)

The company's complaints procedure should be the place to start with any grievances, and the Key Facts Document should clarify this. You can inform the Financial Ombudsman of the situation if it is unsolved within the period set by the regulating authority, and your advisor is registered with the FCA.

After looking into the cause for complaint, the Financial Ombudsman will come to a decision on the issue. If the complaint is upheld, a decision will be made on how to financially compensate the customer. Once agreed on by the customer, the ruling becomes legally binding, and the advisor and their company must abide by it. The Ombudsman will also take into consideration any distress, inconvenience, annoyance and hassle caused to the client during the dispute, and establish the level of compensation accordingly.

Book a Financial Advisor in Lytham St Annes UK

Financial advice can be provided in Lytham St Annes and also in nearby places like: Higher Ballam, Freckleton, Fairhaven, Great Marton, Staining, Hey Houses, Blackpool, Wrea Green, Kirkham, Layton, Little Marton, Marton Fold, Singleton, Ansdell, Warton, Weeton, as well as in these postcodes FY8 1NJ, FY8 1LL, FY8 1FQ, FY8 1NU, FY8 1EH, FY8 1JD, FY8 1RF, FY8 1AY, FY8 1EA, FY8 1DJ. Locally based Lytham St Annes financial advisors will likely have the telephone dialling code 01253 and the postcode FY8. Checking this out should guarantee you access locally based financial advisers. Lytham St Annes homeowners are able to utilise these and many other related services.

Lytham St Annes Financial Advice Services

Financial Advice Tasks Lytham St Annes

There are a wide array of services that can be provided by your local Lytham St Annes financial advisor including personal protection in Lytham St Annes, corporate bonds, trusts, investment bonds, cheap financial advice, pension consolidation, offshore investments, cash flow modelling, independent financial advice, will writing services, financial analyst services Lytham St Annes, business planning in Lytham St Annes, pension advice, life insurance, corporate financial planning Lytham St Annes, annuity purchase in Lytham St Annes, ISA's, trustee investment services, saving for children, cashflow analysis Lytham St Annes, wealth management & investments in Lytham St Annes, unit trusts, critical illness cover, equity release Lytham St Annes, familt controlled trusts, pension transfer advice, personal pensions advice, annuities Lytham St Annes, pension drawdowns in Lytham St Annes, financial advice services, and lots more. These are just a selection of the tasks that can be conducted by a financial advisor. Lytham St Annes professionals will be happy to inform you of their entire range of services.

Financial Advisors Lancashire

Advisers Advice Advisors Financial Advisor FY8 Investment Lancashire Financial Advisor Services Financial Advice 01253 Lytham St Annes

Around Lancashire you'll likewise find: Haslingden financial advisors, Poulton le Fylde pension advice, Edgworth independent financial advisors, Waddington pension advice, Barrowford financial advisors, Grimsargh financial advice, Bolton le Sands independent financial advisors, Ightenhill independent financial advisors, Weir financial advice, Forton financial advisers, Waddington financial advice, Longridge investment advisors, Edenfield investment advisors, Waddington financial advisors, Croston pension advice, Kirkham pension advice, Bacup financial advisors, Whittle le Woods financial advice, Aughton independent financial advisors, Oswaldtwistle independent financial advisors, Inskip independent financial advisors, Halsall financial advice, Church independent financial advisors, Penwortham financial advice, Waddington financial advisor, Whitworth independent financial advisors, Goosnargh financial advisors, Anderton pension advice, Chipping pension advice, Croston independent financial advisors.

Financial Advice Enquiries Lancashire

Lancashire Financial Advice Enquiries

Recently posted Lancashire financial advice enquiries: Keziah and Kenneth Mcintosh from Heskin recently asked for information on life assurance. Yasir Rainey and Evangeline Rainey from Ightenhill recently asked for information on equity release. Rachel Costa in Bispham, Lancashire recently asked about pension advice. Fern and Humphrey Curry from Chatburn, Lancashire recently asked about mortgage advice. Selina Thorpe from Sabden, Lancashire asked "are there any good financial advisors near me?". Lilly-May and Shea Harry from Hoddlesden recently asked for information on family income benefit. Lilliana Carter and Charlie Carter in Longridge recently asked for information on offshore investments. Jonas Millar and Millicent Millar from Old Langho recently enquired about equity release. All of these local residents searched for "financial advisor Lancashire" and came across this webpage on Yahoo, Google or Bing.


Financial Advisors Near Lytham St Annes

Also find: Hey Houses financial advisors, Great Marton financial advisors, Little Marton financial advisors, Ansdell financial advisors, Singleton financial advisors, Wrea Green financial advisors, Layton financial advisors, Freckleton financial advisors, Kirkham financial advisors, Blackpool financial advisors, Warton financial advisors, Higher Ballam financial advisors, Fairhaven financial advisors, Weeton financial advisors, Marton Fold financial advisors, Staining financial advisors and more. All of these places are serviced by local financial advisers. Lytham St Annes residents can get estimates by going here.

Lytham St Annes Financial Advice Services

Find a Financial Advisor in Lytham St Annes Here
Financial Advice Enquiries in Lytham St Annes Lancashire (01253)
  • Lytham St Annes Estate Planning
  • Lytham St Annes Wealth Management
  • Lytham St Annes Life Insurance Advice
  • Lytham St Annes Cashflow Analysis
  • Lytham St Annes Financial Advice Quotations
  • Lytham St Annes Tax Advice
  • Lytham St Annes Retirement Planning
  • Lytham St Annes Mortgage Advice
  • Lytham St Annes Inheritance Advice
  • Lytham St Annes Financial Services
  • Lytham St Annes Investment Advice
  • Lytham St Annes Pension Advice
  • Lytham St Annes Cheap Financial Advice
  • Lytham St Annes Trustee Investments

Financial Advisors Around Lytham St Annes: Financial advice has recently been given in these Lytham St Annes roads and streets - South Park, Tudor Road, Duncan Close, The Leylands, St Johns Street, Brookfield Terrace, Capstan Close, Bannister Street, The Hamlet, Avondale Road, Appealing Lane, Brays Road, Silverwood Close, Dover Road, Sedwell Close, St Thomas Road, Albert Road, Clitheroe Road, Derbe Road, Benbow Close, Anchor Way, Dock Road, Bredon Close, Brighton Avenue, Crosby Road, Croyde Road, Seafield Road, St Georges Road, as well as the following local Lytham St Annes postcodes: FY8 1NJ, FY8 1LL, FY8 1FQ, FY8 1NU, FY8 1EH, FY8 1JD, FY8 1RF, FY8 1AY, FY8 1EA, FY8 1DJ. Folks residing in these local areas recently required help from a financial advisor. Lytham St Annes residents enjoyed the benefits of reliable and professional financial services.

To obtain local Lytham St Annes information click here

Independent financial advisor in FY8 area, and dialling code 01253.

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(This financial advisor Lytham St Annes page was edited and updated on 01-09-2022)