Financial Advisor Macclesfield

Macclesfield Independent Financial Advice & Investment

Financial Advisor Macclesfield Cheshire (SK11): It can be an intimidating experience trying to locate a decent independent financial advisor in Macclesfield, in particular if it's the first time that you are needing financial advice. Whether it's investments, mortgage, pensions or even insurance guidance that you are searching for, there is one common rule for all professional financial advisors; they all have to abide by Financial Conduct Authority (FCA) regulations. Any advice given from a FCA authorised financial advisor in Macclesfield comes with certain guarantees that should anything go wrong, you can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman.

Free Macclesfield Financial Advisor Quotes

A good starting point in choosing a financial advisor in Macclesfield may be friends and neighbours, but remember that the type of advice you're looking for might be somewhat different to theirs. Every financial advisor isn't suitable for everybody, and their advice needs to be tailored to your unique circumstances. To check out the options they are offering and find a financial advisor that you can trust and feel at ease with, it pays to chat to at least 3 different companies, because picking a financial advisor is a major decision.

Financial Advisor Macclesfield Cheshire (SK11)

When you are looking to pick a financial advisor in Macclesfield, there are essentially 2 main types; independent financial advisors and restricted advisors. Offering a more diverse range of options, an IFA should not be limited to a single provider's services or products. Covering the whole gamut of financial products and companies, independent financial advice should be offered in an unbiased and impartial way to customers. Consulting an IFA should enable you to select from the widest possible array of services. If you go to a restricted financial advisor you'll soon realise that they could be limited to products and services of a particular provider, or as in the case of a mortgage advisor, may only be focused on one product.

The Financial Conduct Authority requires that any financial advisor in Macclesfield must tell you about their charges, before accepting you as a client. Although it varies according to the kind of service or product you're looking for, there could be an hourly rate, a set fee, or you may even be charged a slice of what you are investing. You might be offered the possibility of a free first consultation to enable you to discuss your goals and see if the advisor is a right fit for you and your situation. Your account might be managed by a team rather than one individual advisor, if you opt to go to one of the bigger Macclesfield companies.

Financial Advisors Macclesfield UK (01625)

You will have to complete a "Fact Find" form, which is a confidential disclosure document relating your targets and financial situation to the advising company. You'll also be given a Key Facts Document, or Initial Disclosure Document, which gives you details about the financial advisor, their status to offer restricted or independent advice and their range of permissions in the financial market. This document should also set down your own legal rights and the possible options you can take if you are not happy with the service provided, and want to complain. It should describe what you are signing up for, and any possible risks and benefits should you elect to accept the advice offered, and it must be laid out in clear language. You can find the amount of cooling-off period in the Key Facts Document. This allows you to change your mind within a specific time period, and cancel the contract with your financial advisor.

When talking with your financial advisor the very first time make sure you check their qualifications and experience. After all you're on the verge of entrusting your financial future to their skill, so you must not be self-conscious about asking these questions. All Macclesfield financial advisors must hold at least a Level 4 qualification and present an annual Statement of Professional Standing. If your advisor's name doesn't appear on the Financial Services Register, you don't need to panic, the firm the advisor works for should be found on the register and their advisors are all covered by the regulations. If these cannot be presented the individual can still offer financial guidance as opposed to advice. Guidance isn't regulated in the same way as financial advice, meaning that if mistakes occur the client won't have any recourse.

Financial Advisor Quotes in Macclesfield Cheshire

If it's investing money that you are interested in, your advisor will want to know the amount of risk you might be prepared to take with your hard-earned cash. Higher rewards could be possible with high risk investments, however you stand a greater chance of losing all or some of your funds. Good quality financial and investment advice should take into account your savings objectives, i.e. long or short term investments, how much you have to invest and how rapidly you need to access your money. You should invariably ask yourself the one important question, how much money can you truly afford to lose. This is known as your capacity for loss and could affect the products and services that are offered for your consideration.

Financial Advice Near Macclesfield Cheshire

Right from the start, it's vital that you let your financial advisor know about any mortgage loans, investments, regular outgoings or savings accounts that you currently have. To make certain that you receive the most suitable advice for you, they need a full and clear picture of your financial situation. Diversifying your investments and savings by spreading the risk load across various different products, is an important part of sound financial advice. Having an understanding of the best areas to consider, a competent financial advisor will favour products that match your goals and financial circumstances.

Your financial advisor will attempt to communicate in the clearest possible way, while throwing open the complex world of finance. After learning about the various services and products that match your needs, you should be in a position to make an informed and considered decision. If environmental issues are important to you, you could ask that ethical investment and savings schemes take top priority. You can then keep away from businesses that firms meet your criteria, and instead lend your support to those companies and enterprises that match your concerns, for instance renewable energy or zero carbon.

Establishing a close working relationship with a financial advisor in Macclesfield could create complications with your work life and other commitments. To enable you to seek advice at times that suit you, one-on-one meetings can be backed up with video conferencing and telephone calls. An experienced financial advice company in Macclesfield will have strict measures in place to keep your details confidential and secure, even if you rarely have an in-person meeting with your advisor, because remote and home working is no longer unusual.

COMPLAINTS

The value of your investments can go down as well as up, and this is something that you must bear in mind. It can be quite disheartening and worrying if your investment fails to make as much money as you hoped for. However, unless it's because of misleading or incorrect information from your advisor a downward trend in your investment isn't seen as a basis for complaint.

Independent Financial Advisor Near Macclesfield (SK11)

The company's official complaints procedure should be the best place to start with any grievances, and the Key Facts Document will discuss this. You can tell the Financial Ombudsman about the situation if it remains unresolved within the period stipulated by the regulating authority, and the advisor is a member of the Financial Conduct Authority.

The Financial Ombudsman will make a ruling after independently reviewing the cause of the complaint. If the complaint is found to be justified, a decision will be made on how to rectify or financially compensate the client. On acceptance by the customer, the decision will become a legally binding one, and the financial advisor and their firm must abide by it. Any compensation fixed by the Financial Ombudsman will also take into account any hassle, inconvenience, distress and annoyance caused to the customer during the process.

Book a Financial Advisor in Macclesfield UK

Financial advice can be provided in Macclesfield and also in nearby places like: Bollington, Sutton, Capesthorne, Prestbury, Oakgrove, Hurdsfield, Mottram St Andrew, Brookhouse, Bosley, Gawsworth, Over Alderley, Langley, North Rode, Henbury, Hulme Walfield, Gurnett, as well as in these postcodes SK10 1BB, SK10 1AS, SK10 1DF, SK10 1GA, SK10 1EF, SK10 1LZ, SK10 1EZ, SK10 1SS, SK10 1EX, SK10 1SW. Locally based Macclesfield financial advisors will probably have the postcode SK11 and the phone code 01625. Verifying this can ensure that you access local financial advisers. Macclesfield householders will be able to utilise these and lots of other finance related services. Simply click the "enquiry" banner to get information on financial advisors in your area.

Macclesfield Financial Advice Services

Financial Advice Tasks Macclesfield

There is a variety of services which can be provided by your local Macclesfield financial advisor including equity release advice in Macclesfield, personal financial planning in Macclesfield, pension drawdowns, will writing services, annuity purchases, bridging finance, ISA's, general financial planning, trusts, stakeholder pensions in Macclesfield, long term care fee advice, cashflow analysis Macclesfield, bereavement benefit advice, business protection, annuities in Macclesfield, tax advice, savings advice, cash flow modelling, independent financial advice, family income benefit, investment consolidation advice in Macclesfield, inheritance tax planning, income protection advice, personal pensions advice in Macclesfield, multi-asset portfolios in Macclesfield, financial planning, corporate financial planning Macclesfield, investment advice, retirement advice, divorce planning, and lots more. Listed are just a selection of the activities that can be conducted by a financial advisor. Macclesfield professionals will keep you informed about their full range of services.

Required Skills for a Financial Advisor

  • To be able to network and build relationships with customers.
  • To be organised and self-motivated.
  • To be thorough and pay attention to detail.
  • To have excellent IT skills.
  • Good skills in customer service for determining client requirements and needs.
  • To have the ability to listen attentively
  • A solid knowledge of accounting and economics relating to financial products and markets.
  • Excellent skills in verbal communication.
  • To be good at selling products and services.
  • An excellent level of maths knowledge for developing financial plans.
  • Good business management skills for negotiating product fees.

The Daily Tasks for a Financial Advisor

  • Financial advisors provide education, counselling and consultation with regards to investments and finances.
  • Financial advisors collaborate with financial product providers.
  • Financial advisors talk to clients regarding their plans and finances.
  • Financial advisors work together with associates to collect trends, market information and statistics.
  • Financial advisors meet targets for sales and performance.
  • Financial advisors maintain detailed records of potential customers and transactions.
  • Financial advisors update customers regarding their investments.
  • Financial advisors recommend the best-suited financial products to their clients.
  • Financial advisors keep fully up to date with regulation changes and new financial products.
  • Financial advisors produce detailed financial reports.
MACCLESFIELD FINANCIAL ADVISOR QUOTES

Financial Advisors Near Macclesfield

Also find: Mottram St Andrew financial advisors, Hurdsfield financial advisors, Sutton financial advisors, Hulme Walfield financial advisors, Oakgrove financial advisors, North Rode financial advisors, Bosley financial advisors, Over Alderley financial advisors, Bollington financial advisors, Langley financial advisors, Gawsworth financial advisors, Henbury financial advisors, Capesthorne financial advisors, Prestbury financial advisors, Gurnett financial advisors, Brookhouse financial advisors and more. All these areas are served by local financial advisers. Macclesfield residents can get financial advice quotes by clicking here.

Macclesfield Financial Advice Services

Find a Financial Advisor in Macclesfield Here
Financial Advice Enquiries in Macclesfield Cheshire (01625)
  • Macclesfield Investment Advice
  • Macclesfield Inheritance Advice
  • Macclesfield Pension Advice
  • Macclesfield Retirement Advice
  • Macclesfield Mortgage Advice
  • Macclesfield Tax Advice
  • Macclesfield Wealth Management
  • Macclesfield Financial Advice Quotes
  • Macclesfield Trustee Investments
  • Macclesfield Cheap Financial Advice
  • Macclesfield Independent Financial Advice
  • Macclesfield Life Insurance Advice
  • Macclesfield Financial Services
  • Macclesfield Cashflow Analysis

Financial Advisors Around Macclesfield: Financial advisors were recently needed by folks living in Arbour Mews, Drumble Field, Shadewood Road, Brookfield Lane, Cottage Lane, Alderley View, Adlington Industrial Estate, Shellow Lane, Brindley Way, Cheshire View, Alma Close, Chapel Lane, Turner Rise, Bridge Green, Coniston Way, The Drive, Stirling Close, Coachway, Byrons Lane, Summerhill Road, Tarn Mount, Spring Gardens, Barncroft Close, Castle Street Mall, Dudley Walk, Shelbourne Mews, Boothby Street, St Johns Road, Dumbah Lane and these Macclesfield postcodes: SK10 1BB, SK10 1AS, SK10 1DF, SK10 1GA, SK10 1EF, SK10 1LZ, SK10 1EZ, SK10 1SS, SK10 1EX, SK10 1SW. People residing in these areas recently needed the help of a financial advisor. Macclesfield residents enjoyed professional and reliable financial services on each occasion.

Macclesfield Cheshire: Information on Macclesfield can be located here and Macclesfield weather here

Independent financial advisor in SK11 area, (dialling code 01625).

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