Financial Advisor Lytham St Annes

Lytham St Annes Independent Financial Advice & Investment

Financial Advisor Lytham St Annes Lancashire (FY8): It can be an intimidating experience trying to locate a decent independent financial advisor in the Lytham St Annes area, in particular if it's the very first time that you're in search of financial advice. Whether it is investment, pension, mortgage or even insurance advice that you're after, there is one common rule for all qualified financial advisors; they all have to comply with FCA (Financial Conduct Authority) regulations. The good thing about this is that should a financial advisor who is FCA approved give you poor advice, and things go wrong, you have guarantees, and can contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to have it put right.

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Recommendations from neighbours and friends can be a decent starting place in picking a financial advisor in Lytham St Annes, but keep in mind that their situation may be different to the kind of advice you're looking for. Financial advice needs to be individually tailored to your particular situation, and you'll find that some financial advisors might not be suitable for your requirements. Choosing the right financial advisor is crucial and it is a good idea to talk to at least 3 different companies so as to explore the various options they can offer, and to find one that you can trust and feel comfortable with.

Financial Advisor Lytham St Annes Lancashire (FY8)

There are two main kinds of financial advisor in Lytham St Annes; restricted advisors and independent financial advisors (IFA). Offering a more diverse range of options, an IFA should not be confined to the products or services of just one company. Independent financial advice must be provided in an impartial and unbiased way and should cover the entire gamut of financial companies and products. Using an independent financial advisor should permit you to pick from the broadest possible range of services. A restricted advisor might be tied to services and products from a single company, or might even concentrate on an individual product, as you might find with a mortgage advisor.

The FCA requires that any financial advisor in Lytham St Annes must fully discuss their charges with you, before taking you on as a client. Although it can vary contingent on the type of service you are looking for, there may be a set fee, an hourly rate, or you could even be charged a slice of the money you're investing. You could be offered the chance of a free preliminary consultation to allow you to discuss your objectives and determine whether the advisor is a good fit for your situation. In some bigger Lytham St Annes companies, you could find that your account is looked after by a team rather than an individual.

Financial Advisors Lytham St Annes UK (01253)

Before any advice is handed out you will have to fill in a confidential disclosure document, called a "Fact Find" form, which informs the advising firm about your financial situation and objectives. To provide information about the financial advisor, their status to offer 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. Your own rights will also be laid out in this document, in addition to your options if you want to submit a complaint because you aren't satisfied with the service provided. It should describe what you are committing yourself to, and any potential risks and benefits that exist if you decide to take the advice offered, and it must be laid out in plain English. You'll find the level of cooling-off period in this document. This makes it possible for you to change your mind within a specific time period, and cancel your contract with the financial advisor.

The very first time you are talking to the financial advisor you'll want to check what experience and qualifications they've got. Asking these questions shouldn't be a cause for embarrassment, because after all you are about to entrust them with your long-term financial wellbeing. Every financial advisor in Lytham St Annes must present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. When you check the Financial Services Register, you don't need to panic if your financial advisor's name doesn't show up on there; you ought to be able to locate the firm name, and that means the regulations covers all of their employees. If they're unable to supply this proof, the individual can't offer advice but only financial guidance. Guidance is somewhat different to advice as it's not regulated, and if financial blunders occur there will probably be no recourse to either party.

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If it is investments that you're interested in, your advisor will ask you about the level of risk you are ready and able to accept with your hard-earned money. Most investments carry some element of risk, but higher risk investments could potentially offer bigger rewards, but also more chance of losing your money. In order to get the most effective financial and investment advice, your savings objectives will have to be carefully considered, i.e. short or long term investments, how much capital you want to invest and how rapidly you need access to your funds. The one question that you should ask of yourself, which is frequently ignored, is just how much you can really afford to lose. Generally known as your 'capacity for loss', this will most likely have an effect on services and products that you're offered.

Financial Advice Near Lytham St Annes Lancashire

You'll want to let your financial advisor know about your existing regular outgoing payments, personal savings, mortgage loans or investments. This will give a full and clear picture of your current financial circumstances, and without this the advice given might not be the most appropriate for you. The diversification of your savings and investments by spreading the risk load across a range of different products, is an essential part of reliable financial advice. In order to mirror your financial situation and your goals, a certified financial advisor in Lytham St Annes will be aware of the best areas to consider.

Communicating in the clearest possible way, your financial advisor will lay bare the complex world of finance and investment. This will enable you to compare services and products which meet your needs, and come to an informed decision. If you are environmentally minded, you can ask your advisor to stick to ethical savings and investment schemes. This will allow you to give your support to enterprises and firms which match your concerns, i.e. zero carbon or renewable energy, or perhaps avoiding companies that do not meet your standards.

It's not always easy to work closely with a financial advisor in Lytham St Annes without this impacting on your work day and other obligations. To allow you to seek advice at a time to suit you, one-on-one appointments can be augmented with video conferencing and telephone. Even if you hardly ever have a one-to-one meeting with your personal advisor, an established financial advice company in Lytham St Annes will have strict measures in place to keep your details confidential and secure, because working from home and remote working is now commonplace.


Investments can be an unpredictable area, and values can fall as well as rise. If it just so happens that your investment is not making the amount of money you were hoping for, it can be a stressful and demoralising time. However, except if it is down to wrong or misleading information from your advisor a downward trend in your investment isn't a recognised basis for complaint.

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The company's complaints procedure should be the starting point for any disputes, and the Key Facts Document should discuss this. You can inform the Financial Ombudsman of the problem if it is unresolved within the period set out by the regulating body, and the financial advisor is a member of the Financial Conduct Authority.

The Financial Ombudsman will independently review the cause for complaint and make a ruling. A decision will be made on how to rectify or financially compensate the customer, if the complaint is upheld. On acceptance by the customer, the ruling will become legally binding, and the financial advisor and their company must comply with it. Any compensation set by the Ombudsman will also take into account any hassle, annoyance, inconvenience and distress caused to the client during the situation.

Book a Financial Advisor in Lytham St Annes UK

Financial advice can be provided in Lytham St Annes and also in: Fairhaven, Wrea Green, Hey Houses, Kirkham, Higher Ballam, Little Marton, Marton Fold, Weeton, Warton, Staining, Freckleton, Singleton, Layton, Great Marton, Blackpool, Ansdell, and in these postcodes FY8 1EJ, FY8 1JE, FY8 1DR, FY8 1HJ, FY8 1PP, FY8 1AD, FY8 1DU, FY8 1PB, FY8 1FB, FY8 1NH. Locally based Lytham St Annes financial advisers will likely have the postcode FY8 and the telephone dialling code 01253.

Lytham St Annes Financial Advice Services

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There are a number of different services which are provided by your local Lytham St Annes financial advisor including independent financial advice Lytham St Annes, pension reviews in Lytham St Annes, ethical investments in Lytham St Annes, pension consolidation Lytham St Annes, cash flow modelling in Lytham St Annes, investment planning, inheritance tax planning, family income benefit, pension transfers Lytham St Annes, trusts Lytham St Annes, offshore investments, ISA's, long term care fee planning, investment bonds in Lytham St Annes, corporate bonds, retirement advice, pension drawdowns Lytham St Annes, wealth management & investments Lytham St Annes, income protection Lytham St Annes, life insurance advice, investment advice, mutual funds Lytham St Annes, equity release, cashflow analysis, cheap financial advice in Lytham St Annes, and more.


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Also find: Ansdell financial advisors, Staining financial advisors, Marton Fold financial advisors, Little Marton financial advisors, Weeton financial advisors, Wrea Green financial advisors, Great Marton financial advisors, Kirkham financial advisors, Layton financial advisors, Higher Ballam financial advisors, Warton financial advisors, Hey Houses financial advisors, Singleton financial advisors, Fairhaven financial advisors, Freckleton financial advisors, Blackpool financial advisors and more.

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Financial Advice Enquiries in Lytham St Annes Lancashire (01253)
  • Lytham St Annes Wealth Management
  • Lytham St Annes Inheritance Advice
  • Lytham St Annes Investment Advice
  • Lytham St Annes Independent Financial Advice
  • Lytham St Annes Financial Advice Quotations
  • Lytham St Annes Corporate Financial Advice
  • Lytham St Annes Financial Services
  • Lytham St Annes Tax Advice
  • Lytham St Annes Mortgage Advice
  • Lytham St Annes Life Insurance Advice
  • Lytham St Annes Pension Advice
  • Lytham St Annes Retirement Planning
  • Lytham St Annes Cashflow Analysis
  • Lytham St Annes Trustee Investments

Financial Advisors Around Lytham St Annes: Households in Talbot Terrace, South Moss Road, Bowes Lyon Place, Brooklands Road, Cheltenham Crescent, Sandgate, Singleton Avenue, St Leonards Road East, Denford Avenue, Crystal Grove, St Andrews Road North, Crosland Road North, St Georges Avenue, Channing Road, St Georges Road, Brook Road, Bazley Road, Beach Street, Dalton Street, Ansdell Road South, Clifton Drive South, Dover Road, Benbow Close, Cromer Road, Sandringham Court, Curzon Road, St Patricks Court, Cambridge Road, Saltcotes Place, have needed financial advice recently. Financial advisors have also been active in the following local Lytham St Annes postcodes: FY8 1EJ, FY8 1JE, FY8 1DR, FY8 1HJ, FY8 1PP, FY8 1AD, FY8 1DU, FY8 1PB, FY8 1FB, FY8 1NH.

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Independent financial advisor in FY8 area, (dialling code 01253).

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