Financial Advisor Newcastle-under-Lyme

Newcastle-under-Lyme Independent Financial Advice & Investment

Financial Advisor Newcastle-under-Lyme Staffordshire (ST5): It can be an intimidating experience trying to find a first-rate independent financial advisor in the Newcastle-under-Lyme area, particularly if it is the first time that you're in search of financial advice. Whether it's pensions, investments, mortgage or even insurance guidance that you are searching for, there's one common rule for all professional financial advisors; they all have to stick to Financial Conduct Authority regulations. The advantage of this is that should a financial advisor who is FCA registered give you bad advice, and anything goes wrong, you have guarantees, and can contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to get it put right.

Free Newcastle-under-Lyme Financial Advisor Quotes

When picking a financial advisor in Newcastle-under-Lyme, a good place to begin could be relatives and friends, however you must remember that your situation might not be the same as theirs, and you may need a different sort of advice. Financial advice needs to be specifically tailored to your particular circumstances, and you'll discover that certain financial advisors might not be appropriate for you. To explore the various options that they can provide and find a financial advisor you can trust and feel at ease with, it is a good idea to talk to at least 3 different firms, because after all choosing a financial advisor is a major decision.

Financial Advisor Newcastle-under-Lyme Staffordshire (ST5)

Restricted advisors and independent financial advisors (IFA), are the two main kinds of financial advisor in Newcastle-under-Lyme. Offering a more extensive range of options, an IFA will not be confined to the services and products of a single company. Independent financial advice must encompass the entire spectrum of financial products and companies, and must be given in an impartial way. If you elect to use an independent financial advisor, you'll be able to select from the widest possible array of products, in order to find the right solution for your needs. A restricted financial advisor could be limited to services and products from a particular firm, or may even focus on an individual product, as in the case of a mortgage advisor.

Before accepting you as a client, any Newcastle-under-Lyme financial advisor must fully discuss their charges with you, as set out by the FCA. You may be charged a set fee, by the hour or maybe even a specific percentage of your investment value, in accordance with kind of services you're looking for. To allow you to discuss your goals and determine whether the advisor is suitable for your circumstances, a free initial consultation may be offered. Your account could be handled by a team as opposed to one individual advisor, if you choose to use one of the larger firms in Newcastle-under-Lyme.

Financial Advisors Newcastle-under-Lyme UK (01782)

Before any financial advice is given you will be asked to complete a confidential disclosure form, called a "Fact Find" document, which informs the advising company about your aims and financial situation. An Initial Disclosure Document, or Key Facts Document will also be given to you, to provide details about the financial advisors themselves, explaining the extent of their permissions in the financial arena and their situation for offering restricted or independent advice. Your rights will also be set out in this document, in addition to the options you can take if you wish to make a complaint because you aren't happy with the service you're given. It has to be written in plain English and describe what you're committing yourself to, and any possible benefits and risks if you opt to accept the advice offered. The level of cooling-off period should also be explained in this Key Facts Document. This enables you to cancel your contract with the financial advisor within a certain period of time, and whenever any penalty charges are incurred.

The first time you are chatting with the financial advisor you should check what experience and qualifications they've got. Asking such questions should not be a cause for embarrassment, because you are about to entrust them with your financial wellbeing. A Level 4 qualification is the minimum required qualification for any financial advisor in Newcastle-under-Lyme, and they also have to be able to present you with an annual Statement of Professional Standing. When you check the Financial Services Register, you don't need to freak out if your financial advisor's name doesn't show up on there; you will probably find the firm name, and this means that the regulations covers all of their personnel. The person may still offer financial guidance as opposed to advice, if these cannot be presented. Guidance isn't regulated in the same way as financial advice, which means that if mistakes are made the client won't have any recourse.

Financial Advisor Quotes in Newcastle-under-Lyme Staffordshire

If it's investments that you are interested in, your advisor will want to know the amount of risk you are willing to take with your hard-earned cash. Most investments carry some element of risk, but higher risk investments could potentially offer higher rewards, but also more likelihood of losing some or all of your capital. In order to get the most beneficial financial and investment advice, your savings objectives will need to be considered, i.e. short or long term investments, how much cash you want to invest and how quickly you need to access your money. The one question that you should ask yourself, which is frequently ignored, is just how much you can really afford to lose. This may well influence the services and products that you're offered, and is known as your capacity for loss.

Financial Advice Near Newcastle-under-Lyme Staffordshire

If you have already got any current personal savings, regular outgoings, mortgage loans or investments, you must let your financial advisor know about these. To make certain that you receive the best advice for you, they need a clear and full picture of your financial circumstances. Diversifying your investments and savings by spreading the risk load across a range of different products, is a crucial part of good quality financial advice. In order to mirror your goals and financial circumstances, a qualified financial advisor in Newcastle-under-Lyme will be aware of the best products to consider.

Your financial advisor will try to communicate in the clearest possible way, to throw open the multifaceted world of finance. This will permit you to compare products and services which match your needs, and make an informed decision. You can maybe ask your advisor to only choose ethical investments and savings. This allows you to give your support to firms and businesses that address your concerns, i.e. green energy or zero carbon, or perhaps steering clear of corporations that don't meet your requirements.

It may prove challenging to manage your work life and other commitments around a close working relationship with a financial advisor in Newcastle-under-Lyme. Face-to-face appointments can be complemented with video conferencing and phone calls to enable you to get advice at a time to suit you. A competent financial advice company in Newcastle-under-Lyme will have strict measures in place to keep your details secure and confidential, even if you rarely have an in-person meeting with your personal advisor, because home and remote working is now so common.


Investments can just as easily go down as well as up, because the financial sector can be volatile. It can be extremely demoralising and worrying if your investment isn't making the amount of money you hoped for. Unfortunately, your investment having a downward trend is not a recognised cause for complaint, unless of course it is due to wrong or misleading information from your financial advisor.

Independent Financial Advisor Near Newcastle-under-Lyme (ST5)

The firm's official complaints procedure should be the starting point for any disputes, and the Key Facts Document should discuss this. If the matter is unresolved within the period stipulated by the regulating body, and your financial advisor is registered with the Financial Conduct Authority, you can advise the Financial Ombudsman.

The Financial Ombudsman will independently review the cause for complaint and come to a decision. If the complaint is upheld, a decision is made on how to financially compensate the client. Once agreed on by the customer, the ruling becomes legally binding, and the advisor and their firm must comply with it. Any distress, inconvenience, upset and trouble caused to the client during the process, will be considered when the Ombudsman sets the level of compensation.

Book a Financial Advisor in Newcastle-under-Lyme UK

Financial advice can be provided in Newcastle-under-Lyme and also in: Wolstanton, Silverdale, Bradwell, Westlands, Porthill, Longbridge Hayes, Burslem, Dimsdale, Chesterton, May Bank, Middleport, Knutton, Cobridge, Broad Meadow, Cross Heath, Stoke-on-Trent, and in these postcodes ST5 0LQ, ST5 0HJ, ST5 0AE, ST5 0BQ, ST5 0NZ, ST5 0ND, ST5 0HU, ST5 0LZ, ST5 0JB, ST5 0HT. Local Newcastle-under-Lyme financial advisers will probably have the postcode ST5 and the dialling code 01782. Click on the "enquiry" banner to get details about financial advisors in your area.

Necessary Skills for a Financial Advisor

  • An excellent level of math knowledge for creating financial plans.
  • The ability to promote products and services.
  • To have the ability to network and build solid relationships with clients.
  • A solid understanding and knowledge of economics and accounting relating to financial markets and products.
  • Excellent skills in verbal communication.
  • Good skills in customer service for determining client requirements and needs.
  • Effective management skills for the negotiation of product fees.
  • To have a flexible approach to work.
  • Attentive listening and interpersonal skills.
  • To pay attention to detail and be thorough.
  • To be capable of using a computer and the appropriate software.

Newcastle-under-Lyme Financial Advice Services

Financial Advice Tasks Newcastle-under-Lyme

There is a range of services which are provided by your local Newcastle-under-Lyme financial advisor including independent financial advice Newcastle-under-Lyme, pension reviews Newcastle-under-Lyme, cash flow modelling, investment advice, retirement planning, trusts Newcastle-under-Lyme, mutual funds in Newcastle-under-Lyme, investment planning Newcastle-under-Lyme, cashflow analysis, unit trusts in Newcastle-under-Lyme, wealth management & investments, pension planning, stakeholder pensions, divorce financial planning Newcastle-under-Lyme, inheritance tax planning in Newcastle-under-Lyme, life assurance advice, tax financial planning in Newcastle-under-Lyme, annuities, will writing services, corporate bonds, offshore investments Newcastle-under-Lyme, pension consolidation advice Newcastle-under-Lyme, business planning Newcastle-under-Lyme, family income benefit, annuity purchases Newcastle-under-Lyme, and more.

A Financial Advisor's Daily Tasks

  • A financial advisor chats with clients about their plans and finances.
  • A financial advisor works in conjuction with colleagues to gather statistics, market information and trends.
  • A financial advisor produces detailed financial reports.
  • A financial advisor makes deals with with providers of financial products.
  • A financial advisor updates customers about their investments.
  • A financial advisor provides consultation, education and counselling with regards to investments and finances.
  • A financial advisor meets targets for sales and performance.
  • A financial advisor keeps fully up to date with regulation changes and new products.
  • A financial advisor recommends the financial products that are best-suited to customers.
  • A financial advisor keeps detailed records of potential clients and transactions.

Financial Advisors Near Newcastle-under-Lyme

Also find: Cross Heath financial advisors, Knutton financial advisors, Wolstanton financial advisors, Chesterton financial advisors, Westlands financial advisors, Porthill financial advisors, May Bank financial advisors, Middleport financial advisors, Broad Meadow financial advisors, Cobridge financial advisors, Dimsdale financial advisors and more. The majority of these locations are covered by local financial advisors. Property owners in these places can make enquiries about financial advice by clicking here.

Newcastle-under-Lyme Financial Advice Services

Find a Financial Advisor in Newcastle-under-Lyme Here
Financial Advice Enquiries in Newcastle-under-Lyme Staffordshire (01782)
  • Newcastle-under-Lyme Pension Advice
  • Newcastle-under-Lyme Mortgage Advice
  • Newcastle-under-Lyme Trustee Investments
  • Newcastle-under-Lyme Estate Planning
  • Newcastle-under-Lyme Financial Advice Quotations
  • Newcastle-under-Lyme Corporate Financial Planning
  • Newcastle-under-Lyme Inheritance Advice
  • Newcastle-under-Lyme Retirement Advice
  • Newcastle-under-Lyme Cheap Financial Advice
  • Newcastle-under-Lyme Investment Advice
  • Newcastle-under-Lyme Tax Advice
  • Newcastle-under-Lyme Financial Services
  • Newcastle-under-Lyme Life Insurance Advice
  • Newcastle-under-Lyme Financial Advice

More Newcastle-under-Lyme Services: Not surprisingly, whenever you happen to be looking at your finances in Newcastle-under-Lyme, Staffordshire, you are likely to be in need of all types of different services and together with a financial advisor in Newcastle-under-Lyme, Staffordshire, you may also need business financial planning in Newcastle-under-Lyme, estate planning in Newcastle-under-Lyme, wills in Newcastle-under-Lyme, solicitors in Newcastle-under-Lyme, bookkeepers in Newcastle-under-Lyme, contracts lawyers in Newcastle-under-Lyme, accounting in Newcastle-under-Lyme, debt recovery & collection in Newcastle-under-Lyme, investment advisors in Newcastle-under-Lyme, property law & conveyancing in Newcastle-under-Lyme, mortgage advice in Newcastle-under-Lyme, payroll services in Newcastle-under-Lyme, tax preparation in Newcastle-under-Lyme, family lawyers in Newcastle-under-Lyme, business consulting in Newcastle-under-Lyme, banruptcy lawyers in Newcastle-under-Lyme, mortgage brokers in Newcastle-under-Lyme, and other different Newcastle-under-Lyme experts.

To find local information about Newcastle-under-Lyme, Staffordshire look here

Newcastle-under-Lyme Financial Advisor Jobs: Browse financial advisor jobs near Newcastle-under-Lyme by going here: Newcastle-under-Lyme Financial Advisor Jobs

Independent financial advisor in ST5 area, telephone code 01782.

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(This financial advisor Newcastle-under-Lyme content was checked and updated on 20-02-2024)