Financial Advisor Macclesfield

Macclesfield Independent Financial Advice & Investment

Financial Advisor Macclesfield Cheshire (SK11): If you are seeking financial advice for the first time, trying to locate a first-rate financial advisor advisor in Macclesfield can be a challenging experience. However, all professional financial advisors are bound by one common rule; they must all observe the regulations of the Financial Conduct Authority, regardless of whether you're searching for investments, mortgage, pensions or even insurance guidance. Any advice given from a FCA approved financial advisor in Macclesfield comes with certain guarantees that if things go awry, you can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman.

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When selecting a financial advisor in Macclesfield, a decent place to begin could be relatives and friends, but you must remember that your situation may not be in line with theirs, and you may need a different sort of advice. Their advice needs to be adapted to your specific situation, and not every financial advisor is suitable for everybody. To explore the various options that they are offering and find a financial advisor you can trust and feel comfortable with, it is wise to speak to at least 3 different firms, because after all picking a financial advisor is a major decision.

Financial Advisor Macclesfield Cheshire (SK11)

There are 2 main kinds of financial advisor in Macclesfield; independent financial advisors (IFA) and restricted advisors. The benefit of seeing an independent financial advisor is that they should not be confined to the services or products of a single company, and can offer a more diverse range of options. Covering the whole spectrum of financial products and companies, independent financial advice must be given in a frank and unbiased way to clients. Using an IFA should allow you to choose from the widest possible array of services. If you go to a restricted financial advisor you will find that they might be restricted to products and services of a specific provider, or as with a mortgage advisor, might only be focused on one product.

Before accepting you as a client, any financial advisor in Macclesfield must fully discuss their charges with you, as demanded by the FCA. You may be charged a set fee, by the hour or possibly even a specific percentage of your investment, contingent on kind of services you're looking for. To enable you to discuss your goals and find out if the advisor is the proper choice for you and your circumstances, a free initial consultation could be offered. If you go with one of the bigger Macclesfield firms, your account might be managed by a team of advisors rather than a single individual.

Financial Advisors Macclesfield UK (01625)

You will be asked to complete a "Fact Find" document, which is a confidential disclosure form relating your financial situation and aims to the advising firm. A Key Facts or Initial Disclosure Document will also be given to you, providing information on the financial advisors themselves, outlining the scope of their permissions in the financial sector and their situation for offering independent or restricted advice. If you're not happy with the service, and wish to submit a complaint, this document will also lay down your own legal rights and your options. It has to be easy to understand, written in plain English, and outline precisely what you're signing up for, together with the benefits and risks of going along with the advice. You will find the amount of cooling-off period in this document. Within a specific period of time, this makes it possible for you to cancel your agreement with the financial advisor.

When chatting with your financial advisor for the first time you should check their qualifications and experience. You shouldn't be self-conscious about asking such questions, after all you are about to entrust your financial wellbeing to their expertise. Every Macclesfield financial advisor must present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. Don't worry if your particular financial advisor's name does not show up on the Financial Services Register, as long as the company is on the register, their employees will be covered by the legislation. If they are not able to provide this proof, the person cannot offer advice but only financial guidance. Guidance is not regulated in the same way as financial advice, which means that if mistakes occur neither party will have any recourse.

Financial Advisor Quotes in Macclesfield Cheshire

If you are needing advice on investments you will be asked about the amount of risk you are comfortable with. Better rewards might be possible with high risk investments, however you may also lose all or some of your capital. In order to get the very best investment and financial advice, your savings goals will have to be given careful consideration, i.e. short or long term investments, how much you have to invest and how rapidly you need to access your funds. "How much can you afford to lose?" Is the one vital question that you really need to ask yourself. Known as your 'capacity for loss', this will most likely have an effect on services and products that you are offered.

Financial Advice Near Macclesfield Cheshire

If you have already got any current savings accounts, investments, mortgages or regular outgoings, you have to let your financial advisor know about these. This should give a full and clear picture of your financial circumstances, without which the advice you're given may not be the most appropriate for you. Diversifying your savings and investments by spreading the risk across a range of different products, is a crucial part of sound financial advice. A seasoned financial advisor in Macclesfield will be aware of the best products to consider, which mirror your goals and your financial situation.

Communicating in in the simplest terms possible, your financial advisor will unmask the multifaceted world of finance and investment. You should be in a position to make an informed and educated decision when you have compared the various services and products which meet your needs. You can even ask your financial advisor to only include ethical investments and savings. This will allow you to support firms and organisations that address your concerns, e.g. zero carbon or renewable energy, or perhaps keeping away from investments that do not meet your criteria.

Having constant interactions with a financial advisor in Macclesfield could cause problems with your work life and other responsibilities. One-on-one meetings can be augmented with telephone calls and video conferencing to enable you to get advice at times that suit you. Any experienced financial advice company in Macclesfield will have rigorous measures in force to keep your details confidential and secure, even if you rarely have a one-on-one meeting with your personal advisor, because home and remote working is no longer unusual.


Investments can go down as easily as they can go up, because the financial world can be a volatile one. If your investment is not making the amount of money you were hoping for, it can be extremely frustrating and worrying. A downward spiraling of your investment isn't seen as a grounds for complaint, unless your financial advisor has given you misleading or wrong information.

Independent Financial Advisor Near Macclesfield (SK11)

The company's official complaints procedure should be the starting place for any disputes, and the Key Facts Document should clarify this. If the financial advisor is a member of the Financial Conduct Authority, you can inform the Financial Ombudsman of the matter if it remains unsolved within the time-frame laid down by the regulating body.

The Financial Ombudsman will look into the cause for complaint and make a ruling. If it's established that the complaint is justified, a decision is made on how the customer can be financially compensated. On acceptance by the customer, the decision becomes a legally binding one, and the financial advisor and their firm must abide by it. Any hassle, upset, distress and inconvenience caused to the customer during the situation, will be taken into account when the Ombudsman sets the level of compensation.

Book a Financial Advisor in Macclesfield UK

Financial advice can be provided in Macclesfield and also nearby in: North Rode, Hulme Walfield, Bosley, Hurdsfield, Gawsworth, Capesthorne, Henbury, Brookhouse, Over Alderley, Sutton, Bollington, Prestbury, Oakgrove, Mottram St Andrew, Gurnett, Langley, as well as in these postcodes SK10 1JT, SK10 1EZ, SK10 1QD, SK10 1UR, SK10 1BN, SK10 1TB, SK10 1TQ, SK10 1TW, SK10 1LT, SK10 1GB. Local Macclesfield financial advisors will most likely have the telephone dialling code 01625 and the postcode SK11. Simply click on the "enquiry" form or banner to get specifics of financial advisors in your location.

Macclesfield Financial Advice Services

Financial Advice Tasks Macclesfield

There are a number of different services that are provided by your local Macclesfield financial advisor including personal financial planning, income protection advice, cashflow analysis in Macclesfield, stakeholder pensions, trustee investment services Macclesfield, life assurance advice Macclesfield, family income benefit Macclesfield, cheap financial advice, investment planning, pension drawdowns Macclesfield, pension transfer advice, corporate bonds Macclesfield, will writing services, mutual funds Macclesfield, retirement advice, financial services, corporate financial planning in Macclesfield, long term care fee advice, tax planning, business planning, cash flow modelling Macclesfield, financial analyst services, annuity purchases, pension consolidation Macclesfield, wealth management & investments, and more.


Financial Advisors Near Macclesfield

Also find: Brookhouse financial advisors, Hurdsfield financial advisors, Bollington financial advisors, Hulme Walfield financial advisors, Henbury financial advisors, Prestbury financial advisors, Mottram St Andrew financial advisors, Sutton financial advisors, Langley financial advisors, Oakgrove financial advisors, Gurnett financial advisors, Capesthorne financial advisors, Bosley financial advisors, North Rode financial advisors, Gawsworth financial advisors, Over Alderley financial advisors and more.

Macclesfield Financial Advice Services

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Financial Advisors Around Macclesfield: Financial advice has recently been provided in these Macclesfield areas and streets - Chancery Lane, Sutherland Drive, Thornycroft Street, Armoury Court Mews, Courier Row, Chester Road, South West Avenue, Bollington Cross, South View, Castle Street, Cocksheadhey Road, Anderson Street, April Rise, Adlington Street, Blackshaw Street, Bamford Close, Conway Crescent, Chatsworth Avenue, Chiltern Avenue, Bread Street, Churchill Way, Amersham Close, Copper Street, Shaw Street, Albert Street, Buckley Street, Carter Lane, Brookside Avenue, Collingwood Close, Bollington Road, as well as these local Macclesfield postcodes: SK10 1JT, SK10 1EZ, SK10 1QD, SK10 1UR, SK10 1BN, SK10 1TB, SK10 1TQ, SK10 1TW, SK10 1LT, SK10 1GB.

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Independent financial advisor in SK11 area, 01625.

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