Financial Advisor Morecambe

Morecambe Independent Financial Advice & Investment

Financial Advisor Morecambe Lancashire (LA4): It can be a daunting experience trying to locate a decent financial advisor advisor in the Morecambe area, in particular if it is the very first time that you're in search of financial advice. Whether you are looking for mortgage, pensions, investment or even insurance advice, all qualified financial advisors have one thing in common; they all have to follow the regulations laid down by the Financial Conduct Authority (FCA). Any advice given through a FCA certified financial advisor in Morecambe comes with guarantees that if anything should go awry, you can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.

Free Morecambe Financial Advisor Quotes

When choosing a financial advisor in Morecambe, a decent place to begin could be friends and relatives, but you must bear in mind that your situation may not be in line with theirs, and you might be in need of a different sort of advice. Any advice they offer needs to be adapted to your specific circumstances, and not every financial advisor is suitable for everyone. Selecting a financial advisor is an important decision and it is a good idea to chat to at least 3 different companies so as to explore the various options they provide, and to find one that you can trust and feel comfortable with.

Financial Advisor Morecambe Lancashire (LA4)

Independent financial advisors (IFA) and restricted advisors, are the 2 principal types of financial advisor in Morecambe. An IFA should not be limited to a single provider's products and services. Independent financial advice must cover the whole spectrum of financial companies and products, and should be offered in an impartial way. This will allow you to pick from the widest range of services to suit your needs. A restricted advisor could be tied to services and products from a single company, or may even focus on just one product, as can be the case with a mortgage advisor.

Before taking you on as a client, any Morecambe financial advisor must tell you about their charges, as set out by the Financial Conduct Authority. You could be charged by the hour, a set fee or perhaps even a specific percentage of your investment value, based on type of product you're looking for. To enable you to discuss your aims and find out if the advisor is the correct fit for you and your circumstances, you might be offered the chance of a free preliminary consultation. If you go to one of the bigger Morecambe firms, your account may be looked after by a team of advisors rather than a single individual.

Financial Advisors Morecambe UK (01524)

You'll need to complete a "Fact Find" document, which is a confidential disclosure form relating your aims and financial situation to the advising company. To provide information on the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial market, you will also be given a Key Facts or Initial Disclosure Document. This document should also lay down your legal rights and the possible options you can take if you aren't satisfied with the service provided, and would like to submit a complaint. It should be easy to understand, written in layman's terms, and explain precisely what you're signing up for, together with the benefits and risks of accepting the proffered advice. The Key Facts Document must also inform you about the level of cooling-off period. This enables you to have a change of heart within a certain time period, and cancel your agreement with the financial advisor.

When talking to the financial advisor for the first time ensure that you check their experience and qualifications. You needn't be embarrassed about asking such questions, after all you are about to entrust your long-term financial wellbeing to their skill. A Level 4 qualification is the minimum required certification for any financial advisor in Morecambe, and they also have to be able to show an annual Statement of Professional Standing. Don't panic if your particular financial advisor's name doesn't appear on the Financial Services Register, as long as the company is listed on the register, their advisors are covered by the legislation. The person can still offer financial guidance as opposed to advice, if these can't be provided. In terms of finance guidance is different to advice and isn't regulated in the same way. Therefore there's no recourse for the client if errors are made.

Financial Advisor Quotes in Morecambe Lancashire

If it is investments that you're interested in, the advisor will want to know the amount of risk you are ready to accept with your hard-earned cash. Higher risk investments could offer better rewards, however some or all of your capital could be lost. In order to get the most beneficial financial and investment advice, your savings goals will need to be given careful consideration, i.e. how rapidly you need to access your funds, short or long term investments and how much you have to invest. You must invariably ask yourself the one crucial question, how much can you really afford to lose. This could influence the products and services that you're offered, and is generally known as your capacity for loss.

Financial Advice Near Morecambe Lancashire

Right from the start, it is imperative that you let your financial advisor know about any existing mortgage loans, regular outgoing payments, investments or savings that you currently have. This will give a full and clear picture of your current financial situation, and without this the advice you're given may not be the most suitable for you. Good quality financial advice should include diversifying your investments and savings by spreading the risk across various different products. An experienced financial advisor in Morecambe will be aware of the best products to consider, which match your goals and your financial situation.

Communicating in the clearest possible way, your financial advisor will throw open the multifaceted world of finance and investment. This will enable you to compare products and services which match your needs, and make an informed decision. You could maybe ask your financial advisor to only choose ethical savings and investments. You can then avoid businesses that firms meet your criteria, and instead lend your support to those companies and organisations that match your concerns, for instance zero carbon or green energy.

It's not always easy to have a close working relationship with a financial advisor in Morecambe without this impacting your work day and other commitments. This can be alleviated by augmenting one-on-one meetings with phone calls and video conferencing, thus enabling you to get the advice you need at times that are convenient. Remote and home working is now a large part of our society, and an established financial advice firm in Morecambe will have rigorous measures in place to ensure your details are kept secure and confidential, even if you never have an in-person meeting with your advisor.


Investments can just as easily go down as well as up, as the financial sector can be a volatile one. If it happens that your investment fails to make the amount of money you hoped for, it can be an extremely stressful and frustrating time. A downward spiraling of your investment isn't seen as a grounds for complaint, unless your advisor has supplied you with incorrect or misleading information.

Independent Financial Advisor Near Morecambe (LA4)

As laid out in the Key Facts Document, any complaints should begin with the company's official complaints procedure. If the advisor is registered with the Financial Conduct Authority, you can inform the Financial Ombudsman of the matter if it is unsolved within the time set by the regulating body.

The Financial Ombudsman will come to a decision after reviewing the cause for complaint independently. A decision is made on how to financially compensate the customer, if the complaint is upheld. The financial advisor and their company must abide by any ruling that's made, which becomes legally binding once the customer has agreed to it. The Ombudsman will also take into account any distress, inconvenience, trouble and upset caused to the customer during the process, and set the level of compensation accordingly.

Book a Financial Advisor in Morecambe UK

Financial advice can be provided in Morecambe and also in: West End, Scale Hall, Bolton-le-Sands, Lancaster, Torrisholme, White Lund, Heaton-With-Oxcliffe, Great Wood, Overton, Heysham, Halton, Sandylands, Bare, together with these postcodes LA3 3DR, LA3 1QY, LA2 6ED, LA3 1BA, LA3 2XQ, LA3 3LY, LA3 3LT, LA3 1SY, LA3 1TF, LA3 3PL. Locally based Morecambe financial advisors will likely have the telephone dialling code 01524 and the postcode LA4. Simply click the "enquiry" banner to get information on financial advisors in your area.

Morecambe Financial Advice Services

Financial Advice Tasks Morecambe

There is a variety of services that are provided by your local Morecambe financial advisor including will writing services Morecambe, divorce planning Morecambe, pension reviews, offshore investment advice in Morecambe, pension advice, equity release, retirement planning, income protection advice, bridging finance, investment planning, annuities Morecambe, investment plans, portfolio management Morecambe, family income benefit, ethical investment advice, annuity purchases in Morecambe, trusts in Morecambe, mortgage services, pension drawdowns Morecambe, general financial planning, cash flow modelling, cheap financial advice in Morecambe, mutual funds, financial services, corporate bonds in Morecambe, and lots more.

A Financial Advisor's Daily Duties

  • A financial advisor makes deals with with financial product providers.
  • A financial advisor recommends the best-suited financial products to customers.
  • A financial advisor meets performance and sales targets.
  • A financial advisor produces comprehensive financial reports.
  • A financial advisor maintains detailed records of customers and transactions.
  • A financial advisor talks to clients regarding their finances and plans.
  • A financial advisor keeps abreast of new financial products and law changes.
  • A financial advisor works with associates to gather market information, statistics and trends.
  • A financial advisor continually updates customers concerning their investments.
  • A financial advisor provides consultation, education and counselling with regards to finances and investments.

Financial Advice Enquiries Lancashire

Financial Advice Enquiries Lancashire

Recently posted Lancashire financial advice enquiries: Helena Tyrrell from Bickerstaffe recently enquired about getting financial advice. Imaan Hodgson from Stalmine, Lancashire recently enquired about mortgage advice. Mr and Mrs Brewer from Brinscall recently asked for information on mortgages. Ace Pointer and Anastasia Pointer from Ightenhill recently asked for information on mortgages. Mr and Mrs Bower from Weir, Lancashire recently enquired about investment advice. Lara Hayes from Much Hoole, Lancashire recently asked for information on investment bonds. Ernie and Addison Maxwell from Great Harwood recently enquired about offshore investments. Kaja Woods from Lathom, Lancashire recently enquired about pension advice.

The Skills to be Financial Advisors

  • To have excellent time management skills.
  • To pay attention to detail and be thorough.
  • Excellent skills in verbal communication.
  • To be able to network and build solid relationships with customers.
  • To be good at selling financial services and products.
  • Good management skills for the negotiation of product rates.
  • To have excellent IT skills.
  • An outstanding level of mathematical knowledge for developing financial packages.
  • Effective skills in customer service for identifying customer requirements.
  • A solid understanding and knowledge of accounting and economics with regard to financial products and markets.
  • Attentive interpersonal and listening skills.

Financial Advisors Near Morecambe

Also find: Bolton-le-Sands financial advisors, Halton financial advisors, Scale Hall financial advisors, Lancaster financial advisors, Heysham financial advisors, Torrisholme financial advisors, Bare financial advisors, Great Wood financial advisors, Sandylands financial advisors, Overton financial advisors, West End financial advisors, Heaton-With-Oxcliffe financial advisors, White Lund financial advisors and more.

Morecambe Financial Advice Services

Find a Financial Advisor in Morecambe Here
Financial Advice Enquiries in Morecambe Lancashire (01524)
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Financial Advisors Around Morecambe: Financial advice has recently been given in the following Morecambe areas and streets - Blackberry Hall Crescent, Buseph Barrow, Back Thornton Road, Cherry Tree Close, St Christophers Way, The Coppice, St Mildreds Way, Carrington Grove, Stanhope Court, Alexandra Road, School Road, Applegarth Road, Bare Lane, Cross Street, Twemlow Parade, Aldingham Walk, Cavendish Road, Selside Drive, Brook Grove, Bertram Avenue, Springfield Street, Croft Street, St Andrews Grove, Seymour Grove, Barry Grove, Christie Avenue, Calder Way, Barnes Road, as well as the following local Morecambe postcodes: LA3 3DR, LA3 1QY, LA2 6ED, LA3 1BA, LA3 2XQ, LA3 3LY, LA3 3LT, LA3 1SY, LA3 1TF, LA3 3PL.

To read local information relating to Morecambe, Lancashire look here

Independent financial advisor in LA4 area, telephone code 01524.

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