Financial Advisor Morecambe

Morecambe Independent Financial Advice & Investment

Financial Advisor Morecambe Lancashire (LA4): It can be a daunting experience trying to locate a reliable financial advisor advisor in Morecambe, especially if it's the first time that you are needing financial advice. Nevertheless, all financial advisors have one thing in common; they all have to follow the regulations set by the Financial Conduct Authority, regardless of whether you are looking for investment, pension, mortgage or even insurance guidance. Any advice given by a FCA certified financial advisor in Morecambe comes with certain guarantees that if anything should go awry, you can contact the Financial Services Compensation Scheme or the Financial Ombudsman.

Free Morecambe Financial Advisor Quotes

Relatives and friends recommendations can be a decent starting place in selecting a financial advisor in Morecambe, but remember that their needs could be different to the kind of advice you are looking for. Financial advice must be individually tailored to your particular circumstances, and you'll find that certain financial advisors might not be suitable for you. Choosing a financial advisor is an important decision and it is a good idea to chat to at least 3 different firms so as to check out the various options they can offer, and to find one you can trust and feel comfortable with.

Financial Advisor Morecambe Lancashire (LA4)

There are two principal kinds of financial advisor in Morecambe; independent financial advisors (IFA) and restricted advisors. Offering a wider range of options, an IFA won't be limited to just one provider's products or services. Independent financial advice should encompass the full spectrum of financial products and companies, and must be offered in an unbiased way. If you decide to use an independent financial advisor, you will be able to select from the widest possible range of products, so as to find the perfect solution for you. A restricted advisor may be limited to products and services from a particular firm, or may even focus on one particular product, as can happen 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 FCA. Subject to the services you're interested in, you could be charged by the hour, a set fee or possibly even a percentage of your investment. A free first consultation might be offered, so you can discuss your objectives and circumstances to determine whether the advisor is the best fit. In some of the larger Morecambe companies, you could find that your account is managed by a team rather than an individual advisor.

Financial Advisors Morecambe UK (01524)

Before any actual financial advice is handed out you'll be asked to fill out a confidential disclosure document, known as a "Fact Find" form, which informs the advising firm about your financial situation and ambitions. To provide information about the financial advisor, their status to offer restricted or independent advice and the scope of their permissions in the financial arena, you will also be handed a Key Facts or Initial Disclosure Document. This document should also make clear your legal rights and the possible options you can take if you're not satisfied with the service, and need to complain. It has to be easy to understand, written in plain language, and outline exactly what you're signing up for, together with the benefits and risks of going along with the advice. This document will also inform you of the allowed cooling-off period. This enables you to have a change of heart within a certain time frame, and cancel the contract with your financial advisor.

The very first time you are talking to your financial advisor ensure that you check what qualifications and experience they have. You shouldn't be self-conscious about asking these questions, after all you're just about to entrust your financial future to their skill. All Morecambe financial advisors must hold at least a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. When you check the Financial Services Register, you shouldn't stress if your advisor's name does not show up on there; you should be able to find the company name, and that means the regulations covers all of their personnel. If they are unable to present this proof, the person cannot offer advice but can offer financial guidance. Guidance is different to advice as it is not regulated, and if errors are made there may be no recourse to the client.

Financial Advisor Quotes in Morecambe Lancashire

If you're seeking advice on investing money you will be asked the level of risk you are comfortable with. Better rewards could be possible with higher risk investments, however you could also lose all or some of your cash. In order to get the very best financial and investment advice, your savings goals will need to be considered, i.e. how quickly you need access to your money, long or short term investments and how much you wish to invest. You should always ask yourself the one crucial question, how much can you really afford to lose. This may influence the products and services that you are offered, and is called your 'capacity for loss'.

Financial Advice Near Morecambe Lancashire

You need to tell your financial advisor about your current investments, regular payments, personal savings or mortgage loans. This will give a clear and full picture of your financial circumstances, without which the advice you get may not be the best for you. Spreading the risk across different products by diversifying your savings and investments, is something that sound financial advice should embrace. A qualified financial advisor in Morecambe will be aware of the best areas to consider, which match your financial situation and your goals.

Communicating in the clearest way possible, your financial advisor will lay bare the complex world of finance and investment. You should be able to make an informed and educated decision once you have compared the various services and products which meet your needs. You could perhaps ask your financial advisor to only specify ethical investments and savings. This does not just give you investment possibilities, but also allows you to support green energy or zero carbon projects, and stay away from those that don't share the same values.

Having constant interactions with a financial advisor in Morecambe could cause problems with your work and other obligations. Face-to-face appointments can be backed up with telephone calls and video conferencing to allow you to get advice at a time to suit you. Home and remote working is now so common, and any professional financial advice provider in Morecambe will have strict measures in place to keep your details secure and confidential, even if you rarely have a face-to-face meeting with your advisor.


You must remember that the financial world is a volatile sector, and the value of your investments can just as easily go down as well as up. If your investment is not making the amount of money you were hoping for, it can be incredibly worrying and disheartening. Sadly, your investment having a downward trend is not a recognised basis for complaint, except if it is down to incorrect or misleading information from your advisor.

Independent Financial Advisor Near Morecambe (LA4)

The company's official complaints procedure should be the kick off point for any disputes, and the Key Facts Document should explain this. If your advisor is registered with the FCA, you can inform the Financial Ombudsman of the issue if it is unresolved within the time period set out by the regulating authority.

The Financial Ombudsman will look into the cause for complaint and come to a decision. If it's found that the complaint is legitimate, a decision is made on how the customer can be compensated or the situation rectified. The advisor and their company must abide by any ruling that's made by the Ombudsman, which becomes legally binding once the customer has accepted it. The Ombudsman will also take into account any distress, annoyance, trouble and inconvenience caused to the customer during the situation, and establish the level of compensation accordingly.

Book a Financial Advisor in Morecambe UK

Financial advice can be provided in Morecambe and also nearby in: Torrisholme, Overton, Scale Hall, West End, Bare, Bolton-le-Sands, Great Wood, White Lund, Halton, Lancaster, Heaton-With-Oxcliffe, Sandylands, Heysham, and in these postcodes LA3 1SD, LA3 3DP, LA3 1RB, LA3 3LP, LA3 1AZ, LA3 1BG, LA3 3LN, LA3 3GW, LA3 1HH, LA3 3AR. Local Morecambe financial advisers will likely have the postcode LA4 and the dialling code 01524. Checking this should ensure that you access locally based financial advisers. Morecambe property owners can benefit from these and lots of other similar services. Click on the "enquiry" form or banner to get information on financial advisors in your location.

Financial Advice Enquiries Lancashire

Financial Advice Enquiries Lancashire

Recent Lancashire financial advice enquiries: Caleb Peterson and Persephone Peterson in Thornton Cleveleys recently enquired about investment advice. Maryam Leach and Prince Leach in Poulton le Fylde recently enquired about offshore investments. Blanka and Jaden Forrest from Worsthorne, Lancashire recently asked about getting financial advice. Arian Unsworth in Poulton le Fylde, Lancashire recently asked for information on investment bonds. Sumayyah Bingham was searching for a financial advisor near Cleveleys. Mr and Mrs Gardiner from Old Langho recently asked for information on pensions. Lawrence Stephens in Weir, Lancashire recently enquired about investment advice. Timothy Chambers in Heskin recently asked for information on life assurance. All these local residents conducted a search for "financial advisor Lancashire" and noticed this website on either Google, Bing or Yahoo.

Morecambe Financial Advice Services

Financial Advice Tasks Morecambe

There is a variety of services which are provided by your local Morecambe financial advisor including long term care fee advice in Morecambe, inheritance tax planning, pension reviews Morecambe, multi-asset portfolios, bridging finance, pensions in divorce in Morecambe, personal pensions advice in Morecambe, pension drawdowns, wealth management & investments, income protection, stakeholder pensions, unit trusts Morecambe, divorce financial planning, independent financial advice, corporate bonds in Morecambe, ISA's, mortgage financial planning, equity release advice Morecambe, investment plans, annuity purchases, annuities, business protection in Morecambe, portfolio management Morecambe, cashflow analysis, pension planning, savings advice, pension transfers Morecambe, familt controlled trusts, family income benefit in Morecambe, life insurances, and lots more. These are just a selection of the activities that can be performed by a financial advisor. Morecambe professionals will be happy to inform you of their whole range of financial services.

Skills and Knowledge Needed by Financial Advisors

  • To pay attention to detail and be thorough.
  • To have the ability to network and build relationships with customers.
  • An excellent level of math knowledge for developing financial strategies.
  • To be target driven.
  • Outstanding skills in verbal communication.
  • Effective management skills for the negotiation of product fees.
  • An outstanding knowledge of accounting and economics relating to financial products and markets.
  • To have the ability to listen attentively
  • To be good at selling services and products.
  • Excellent skills in customer service for finding out client requirements.
  • To be capable of using a computer and the principal software programs.

Financial Advisors Near Morecambe

Also find: Lancaster financial advisors, Halton financial advisors, Overton financial advisors, Sandylands financial advisors, White Lund financial advisors, Bare financial advisors, Great Wood financial advisors, Bolton-le-Sands financial advisors, Scale Hall financial advisors, Torrisholme financial advisors, West End financial advisors, Heaton-With-Oxcliffe financial advisors, Heysham financial advisors and more. The majority of these locations are served by local financial advisers. Morecambe residents can get price quotes by going here.

Morecambe Financial Advice Services

Find a Financial Advisor in Morecambe Here
Financial Advice Enquiries in Morecambe Lancashire (01524)
  • Morecambe Estate Planning
  • Morecambe Pension Advice
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  • Morecambe Cheap Financial Advice
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  • Morecambe Independent Financial Advice
  • Morecambe Inheritance Advice
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More Morecambe Services: Of course, whenever you are looking at your finances in Morecambe, Lancashire, you are likely to be in need of all types of different services and along with a financial advisor in Morecambe, Lancashire, you might also need estate planning in Morecambe, investment advisors in Morecambe, tax preparation in Morecambe, business consulting in Morecambe, family lawyers in Morecambe, bookkeepers in Morecambe, banruptcy lawyers in Morecambe, accountants in Morecambe, wills in Morecambe, contracts lawyers in Morecambe, debt recovery & collection in Morecambe, mortgage brokers in Morecambe, mortgage advice in Morecambe, payroll services in Morecambe, property law & conveyancing in Morecambe, business financial planning in Morecambe, solicitors in Morecambe, and other different Morecambe experts.

Financial Advisors Around Morecambe: In Burdock Walk, Brooklands Drive, Severn Court, Crimewell Lane, Thirlmere Grove, Carrington Grove, Beaufort Road, Stanley Road, Scott Grove, Stuart Avenue, Stanley Street, Clevelands Avenue, St Christophers Way, Canterbury Close, Tranmere Crescent, Thornton Crescent, Ashbourne Grove, Christie Avenue, St Mildreds Way, Cloisters, Brook Road, Back Queen Street, Dalton Road, Teasel Walk, Seymour Grove, Sunderland Drive, Back Main Street, Claremont Road, as well as these Morecambe area postcodes: LA3 1SD, LA3 3DP, LA3 1RB, LA3 3LP, LA3 1AZ, LA3 1BG, LA3 3LN, LA3 3GW, LA3 1HH, LA3 3AR, people have recently needed financial advice. Folks in these areas recently needed the help of a financial advisor. Morecambe residents enjoyed the benefits of dependable and professional financial services on every occasion.

Morecambe Financial Advisor Jobs: See financial adviser jobs in Morecambe by going here: General Financial Advisor Jobs

To obtain local info on Morecambe, Lancashire look here

Independent financial advisor in LA4 area, and dialling code 01524.

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