Financial Advisor Northampton

Northampton Independent Financial Advice & Investment

Financial Advisor Northampton Northamptonshire (NN1): It can be a daunting experience trying to locate a good independent financial advisor in the Northampton area, particularly if it is the very first time that you're in search of financial advice. Whether it's investments, pensions, mortgage or even insurance guidance that you are searching for, there's one common rule for all professional financial advisors; they must all stick to Financial Conduct Authority regulations. Any advice given from a FCA authorised financial advisor in Northampton comes with the guarantee that should anything go wrong, you can get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme.

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When choosing a financial advisor in Northampton, a decent starting point could be friends and relatives, however you must remember that your situation may not be the same as theirs, and you might be in need of a different sort of advice. Every financial advisor is not suitable for everybody, and their advice needs to be adapted to your specific circumstances. To investigate the options they are offering and find a financial advisor you feel comfortable with and can trust, it is a good idea to chat to at least 3 different companies, because after all selecting a financial advisor is an important decision.

Financial Advisor Northampton Northamptonshire (NN1)

When you're looking to pick a financial advisor in Northampton, there are two main types; restricted advisors and independent financial advisors. Offering a wider range of options, an independent financial advisor won't be confined to the services and products of just one provider. Independent financial advice should encompass the entire gamut of financial products and companies, and should be given in an unbiased way. If you choose to use an IFA, you'll be able to choose from the widest possible array of products, so as to find the ideal solution for your needs. A restricted advisor may be involved with a single product, as with a mortgage advisor, or be restricted to services and products from a particular provider.

Before any Northampton financial advisor accepts you as a client, they are required by the FCA to tell you about their charges. Although it can vary based upon the kind of product you are interested in, there could be a set fee, an hourly rate, or you might even be charged a percentage of what you're investing. A free first consultation will sometimes be offered, so you can discuss your aims and situation to see if the advisor is the best fit. If you use one of the larger Northampton companies, your account could be managed by a team of advisors rather than a single individual.

Financial Advisors Northampton UK (01604)

To describe your ambitions and financial situation to the advising firm, you will need to fill in a "Fact Find" form, which is a confidential disclosure document. An Initial Disclosure, or Key Facts Document will also be given to you, providing information on the financial advisors themselves, detailing the scope of their permissions in the financial market and their status to offer independent or restricted advice. If you aren't satisfied with the service provided, and wish to complain, this document should also set down your own legal rights and your options. It should be simple to understand, written in plain English, and explain precisely what you're signing up for, along with the risks and benefits of accepting the proffered advice. You can find the amount of cooling-off period in this document. Within a certain period of time, this allows you to cancel your agreement.

Make sure you check the qualifications and experience of the financial advisor the first time you talk to them. You needn't be self-conscious about asking these questions, after all you are about to entrust your financial future to their skill. Every financial advisor in Northampton must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. When checking the Financial Services Register, you shouldn't freak out if your specific financial advisor's name does not show up on there; you will probably locate the company name, and that means the regulations covers all of their personnel. If these cannot be provided the person can still offer financial guidance as opposed to financial advice. In financial terms guidance is somewhat different to advice and is not regulated in the same way. Therefore there is no recourse for either party if mistakes arise.

Financial Advisor Quotes in Northampton Northamptonshire

If it is investments that you are interested in, your advisor will enquire about the level of risk you are willing to take on with your hard-earned money. Bigger rewards might be possible with higher risk investments, but you may also lose some or all of your capital. Your savings aims will have to be carefully considered if good quality investment advice is to be given, i.e. how rapidly you need access to your money, long or short term investments and how much capital you want to invest. You should always ask yourself the one crucial question, how much can you truly afford to lose. This is sometimes referred to as your capacity for loss and might affect the products and services that may be offered for your consideration.

Financial Advice Near Northampton Northamptonshire

From the outset, it's important to let your financial advisor know about any mortgages, investments, regular outgoings or savings accounts that you currently have. This will give a clear picture of your current financial situation, without which the advice you're given will most likely not be the most suitable for you. Reliable financial advice should include diversifying your investments and savings by spreading the risk load across different products. So as to mirror your goals and financial situation, a certified financial advisor in Northampton will be aware of the best areas to consider.

Communicating in the plainest speech possible, your financial advisor will unmask the multifaceted world of investment and finance. This will allow you to compare products and services that meet your needs, and come to an informed decision. If the environment is at the forefront of your mind, you could perhaps ask that ethical investments and savings take top priority. This does not just give you investment opportunities, but also enables you to support zero carbon or green energy projects, and stay clear of companies and businesses that don't share the same values as you do.

Working closely with a financial advisor in Northampton can be difficult to manage around work and other commitments. This can be alleviated by supplementing one-on-one appointments with phone calls and video conferencing, therefore enabling you to seek the guidance you need at times that are convenient. Working from home and remote working is now commonplace, and a professional financial advice firm in Northampton will have strict measures in force to keep your details secure and confidential, even if you hardly ever have a one-to-one meeting with your advisor.


You need to keep in mind that the financial sector can be an unpredictable one, and the value of your investments can just as easily drop as well as rise. If your investment fails to make the amount of money you were hoping for, it can be very stressful and demoralising. However, except if it's because of wrong or misleading information from your advisor your investment having a downward trend is not seen as a grounds for complaint.

Independent Financial Advisor Near Northampton (NN1)

The firm's official complaints procedure should be the place to start with any disputes, and the Key Facts Document will explain this. You can inform the Financial Ombudsman of the issue if it remains unsolved within the time-frame set out by the regulating authority, and the advisor is a member of the FCA.

The Financial Ombudsman will look into the cause for complaint and make a ruling. If the complaint is found to be justified, a decision will be made on how to financially compensate the customer. The advisor and their company must comply with any decision that's made, which becomes legally binding as soon as the client has agreed to it. The Financial Ombudsman will also take into account any hassle, distress, annoyance and inconvenience caused to the customer during the process, and establish the level of compensation accordingly.

Book a Financial Advisor in Northampton UK

Financial advice can be provided in Northampton and also nearby in: Upton, Collingtree, Kingsley Park, Weston Favell, Duston, Dallington, Great Houghton, Nether Heyford, Kingsthorpe, Billing, Hardingstone, Abington, Wootton, Cliftonville, Bugbrooke, Blisworth, and in these postcodes NN1 1AJ, NN1 1DJ, NN1 2EG, NN1 1AT, NN1 1HF, NN1 1HS, NN1 1SH, NN1 1AR, NN1 1NT, NN1 2BQ. Locally based Northampton financial advisers will likely have the postcode NN1 and the telephone code 01604. Checking this out can ensure that you're accessing locally based financial advisers. Northampton property owners can utilise these and numerous other similar services. Simply click the "enquiry" form or banner to get information on financial advisors in your location.

Northampton Financial Advice Services

Financial Advice Tasks Northampton

There are a number of different services which are provided by your local Northampton financial advisor including personal protection, stakeholder pensions, will writing services, personal pensions, pension transfer advice, mutual funds Northampton, saving for children, pension planning Northampton, annuities, business protection, family income benefit, bridging finance, portfolio management, trusts, income protection, inheritance tax planning Northampton, offshore investments, death benefit advice in Northampton, cashflow analysis, business financial planning, unit trusts, equity release, corporate bonds, retirement planning, ethical investments Northampton, pension reviews in Northampton, general financial planning, ISA's, pension advice, tax planning Northampton, and more. These are just a selection of the duties that can be conducted by a financial advisor. Northampton professionals will keep you informed about their entire range of financial services.


Financial Advisors Near Northampton

Also find: Blisworth financial advisors, Collingtree financial advisors, Hardingstone financial advisors, Weston Favell financial advisors, Duston financial advisors, Kingsthorpe financial advisors, Upton financial advisors, Wootton financial advisors, Great Houghton financial advisors, Abington financial advisors, Kingsley Park financial advisors, Dallington financial advisors, Cliftonville financial advisors, Nether Heyford financial advisors and more. Financial advisors are available for consultations in the majority of these villages and towns. Homeowners in these areas can make enquiries about financial advice by going here.

Northampton Financial Advice Services

Find a Financial Advisor in Northampton Here
Financial Advice Enquiries in Northampton Northamptonshire (01604)
  • Northampton Cashflow Analysis
  • Northampton Retirement Advice
  • Northampton Independent Financial Advice
  • Northampton Wealth Management
  • Northampton Financial Services
  • Northampton Life Insurance Advice
  • Northampton Cheap Financial Advice
  • Northampton Trustee Investments
  • Northampton Tax Advice
  • Northampton Investment Advice
  • Northampton Pension Advice
  • Northampton Inheritance Advice
  • Northampton Mortgage Advice
  • Northampton Estate Planning

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Independent financial advisor in NN1 area, telephone code 01604.

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(This financial advisor Northampton article was successfully updated on 20-02-2024)