Financial Advisor Ormskirk

Ormskirk Independent Financial Advice & Investment

Financial Advisor Ormskirk Lancashire (L39): Locating a good financial advisor advisor in Ormskirk can be a daunting experience, especially if you are needing financial advice for the very first time. Whether it is mortgage, pensions, investments or even insurance advice that you are looking for, there's one common rule for all financial advisors; they all have to abide by FCA (Financial Conduct Authority) regulations. This comes with some guarantees, therefore after taking advice from a FCA certified financial advisor in Ormskirk, you can seek reparation from the Financial Ombudsman or the Financial Services Compensation Scheme, if something should go awry.

Free Ormskirk Financial Advisor Quotes

Friends and neighbours recommendations can be a good starting point in choosing a financial advisor in Ormskirk, but keep in mind that their circumstances could be different to the type of advice you're looking for. Their advice needs to be personalised to your specific situation, and every financial advisor isn't suitable for everyone. To investigate the various options they are offering and find a financial advisor you can trust and feel comfortable with, it pays to speak to at least three different companies, because picking a financial advisor is a major decision.

Financial Advisor Ormskirk Lancashire (L39)

There are 2 principal kinds of financial advisor in Ormskirk; independent financial advisors and restricted advisors. The good thing about using an independent financial advisor is that they won't be limited to the services or products of a single company, and can offer a broader range of options. Independent financial advice should be provided in an honest and unbiased way and across the full gamut of financial companies and products. Using an independent financial advisor should enable you to choose from the broadest possible array of products. A restricted financial advisor might be limited to services and products from a specific company, or might even concentrate on an individual product, as you might find with a mortgage advisor.

Before taking you on as a client, any financial advisor must be transparent about their charges, as set out by the FCA. Dependant upon the type of product you are looking for, you could be charged a set fee, by the hour or perhaps even a percentage of your investment value. To allow you to discuss your aims and determine whether the advisor is a right fit for you and your circumstances, you will sometimes be offered the possibility of a free preliminary consultation. In some of the bigger Ormskirk companies, you could find that your account is being managed by a team rather than an individual advisor.

Financial Advisors Ormskirk UK (01695)

You will be required to fill in a "Fact Find" form, which is a confidential disclosure document relating your targets and financial situation to the advising company. To provide information regarding 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 Document, or Initial Disclosure Document. Your rights will also be laid out in this document, in addition to the possible options you can take if you want to complain because you aren't satisfied with the service provided. It should be typed out in plain English and describe what you are signing up for, and any potential risks and benefits if you decide to go along with the advice offered. You'll find the amount of cooling-off period in the Key Facts Document. Within a specific time frame, this enables you to cancel your agreement with the financial advisor.

When speaking with your financial advisor initially make sure you check their experience and qualifications. Asking such questions should never cause you any embarrassment, because you're about to entrust them with your financial future. Every Ormskirk financial advisor must be in a position to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. When checking the Financial Services Register, you don't need to panic if your specific advisor's name does not show up on there; you will probably find the company name, and this means that the regulations covers all of their staff. The individual can still offer financial guidance rather than advice, if these can't be presented. Guidance is somewhat different to advice as it isn't regulated in the same way, and if mistakes are made there will probably be no recourse to either party.

Financial Advisor Quotes in Ormskirk Lancashire

If you are needing advice on investing money you will be asked about the level of risk you are comfortable with. Many investments carry some degree of risk, but high risk investments could offer better rewards, and also more chance of losing some or all of your capital. Your savings aims will need to be carefully considered if decent financial and investment advice is to be given, i.e. short or long term investments, how much you have to invest and how quickly you need access to your funds. You should always ask yourself the one important question, how much can you really afford to lose. This is sometimes referred to as your 'capacity for loss' and could influence the services and products that may be offered to you.

Financial Advice Near Ormskirk Lancashire

You will need to tell your financial advisor about any existing regular payments, investments, savings accounts or mortgages. To make certain that you get the most suitable advice for you, they need to have a clear and full picture of your financial situation. The diversification of your savings and investments by spreading the risk across a range of different products, is an essential part of reliable financial advice. A certified financial advisor in Ormskirk will understand the best products to consider, which match your goals and your financial situation.

Your financial advisor will attempt to communicate in the clearest possible way, while revealing the multifaceted world of finance. This will permit you to compare services and products which meet your needs, and make an informed decision. If you are mind is firmly on the environment, you can perhaps ask your advisor to stick to ethical savings and investment schemes. You will then be able to steer clear of companies that companies meet your standards, but instead lend your support to those businesses and firms that match your concerns, for instance green energy or zero carbon.

Having a close working relationship with your financial advisor in Ormskirk could create complications with your work and other commitments. To allow you to get advice at a time to suit you, one-on-one meetings can be augmented with telephone and video conferencing. Any professional financial advice provider in Ormskirk will have rigorous measures in force to ensure your details are kept confidential and secure, even if you rarely have a face-to-face meeting with your personal advisor, because remote and home working is no longer unusual.


Investments can be an unpredictable area, and their values could go down as well as up. If your investment is not making the amount of money you were hoping for, it can be quite stressful and disheartening. Your investment having a downward trend isn't seen as a cause for complaint, unless your financial advisor has given you incorrect or misleading information.

Independent Financial Advisor Near Ormskirk (L39)

The firm's official complaints procedure should be the kick off point for any grievances, and the Key Facts Document will explain this. You can let the Financial Ombudsman know about the issue if it is unsolved within the time period set out by the regulating authority, and your advisor is registered with the Financial Conduct Authority.

The Financial Ombudsman will independently review the cause for complaint and come to a decision. If the complaint is found to be justified, a decision will be made on how to rectify or financially compensate the customer. On acceptance by the customer, the ruling becomes legally binding, and the financial advisor and their company must abide by it. The Ombudsman will also take into account any annoyance, hassle, inconvenience and distress caused to the client during the situation, and establish the level of compensation proportionately.

Book a Financial Advisor in Ormskirk UK

Financial advice can be provided in Ormskirk and also in: Burscough, Stanley Gate and Maghull, Skelmersdale, Newburgh, Rainford, Southport, Westhead, Halsall, Burscough Bridge, Bickerstaffe, Carr Cross, Snape Green, Lathorn, Scarisbrick, as well as in these postcodes L39 2HJ, L39 1LR, L39 2AL, L39 2JW, L39 2AY, L39 2DT, L39 2HQ, L39 2JQ, L39 1LU, L39 1PD. Local Ormskirk financial advisors will likely have the postcode L39 and the telephone dialling code 01695. Checking this out can make sure that you access locally based financial advisers. Ormskirk homeowners are able to benefit from these and many other comparable services. Simply click on the "enquiry" banner or form to get details about financial advisors in your area.

Ormskirk Financial Advice Services

Financial Advice Tasks Ormskirk

There are a wide range of services which are provided by your local Ormskirk financial advisor including personal protection Ormskirk, cash flow modelling, investment reviews, independent financial advice, income protection advice, personal pensions, family income benefit, mortgage advice, annuities, mutual funds, ethical investments, life insurance advice, pensions in divorce, pension transfers in Ormskirk, trusts, offshore investments Ormskirk, investment bonds, will writing services, corporate financial planning, unit trusts in Ormskirk, long term care fee planning, financial advice services in Ormskirk, saving for children, death benefits, financial analyst services Ormskirk, wealth management & investments, pension reviews, pension planning, personal financial planning in Ormskirk, business protection, and more. Listed are just a handful of the duties that can be undertaken by a financial advisor. Ormskirk professionals will be delighted to keep you abreast of their entire range of financial services.

Financial Advice Enquiries Lancashire

Lancashire Financial Advice Enquiries

Latest Lancashire financial advice enquiries: Elsa and Loki Lester in Briercliffe recently asked for information on mortgages. Shanaya Tuck and Eddison Tuck in Kirkham, Lancashire recently asked for information on life assurance. Naomi Keeley and Parker Keeley from Livesey recently asked for information on life assurance. Mr and Mrs Kennedy from Clayton le Dale, Lancashire recently asked for information on investment bonds. Blake and Remi Styles in Barnoldswick, Lancashire recently asked about mortgage advice. Xanthe Harding from Ribchester, Lancashire recently enquired about offshore investments. Dalton and Victoria Jacques in Preesall recently asked for information on offshore investments. Mr and Mrs Manson in Charnock Richard, Lancashire recently enquired about mortgage advice. All of these local people did a search for "financial advisor Lancashire" and found this web page on Bing, Google or Yahoo.


Financial Advisors Near Ormskirk

Also find: Lathorn financial advisors, Scarisbrick financial advisors, Southport financial advisors, Carr Cross financial advisors, Rainford financial advisors, Newburgh financial advisors, Burscough Bridge financial advisors, Bickerstaffe financial advisors, Skelmersdale financial advisors, Westhead financial advisors, Stanley Gate and Maghull financial advisors, Halsall financial advisors, Snape Green financial advisors, Burscough financial advisors and more. The majority of these towns and villages are served by local financial advisers. Ormskirk residents can get price quotes by clicking here.

Ormskirk Financial Advice Services

Find a Financial Advisor in Ormskirk Here
Financial Advice Enquiries in Ormskirk Lancashire (01695)
  • Ormskirk Life Insurance Advice
  • Ormskirk Mortgage Advice
  • Ormskirk Estate Planning
  • Ormskirk Retirement Advice
  • Ormskirk Cashflow Analysis
  • Ormskirk Pension Advice
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  • Ormskirk Trustee Investments
  • Ormskirk Tax Advice
  • Ormskirk Inheritance Advice

Financial Advisors Around Ormskirk: In the last twelve months financial advice was provided in these Ormskirk streets: Salt Pit Lane, Burscough Road, Turnpike Road, Springfield Road, Scott Drive, Ben Lane Court, Chapel Street, Small Lane, Trundle Pie Lane, St James Close, Tennyson Drive, Chestnut Court, Clyffes Farm Close, Aughton Street, Clieves Hills Lane, Barrow Nook Lane, Chapel Mews, Douglas Drive, The Runnels, Coach House Court, Asmall Lane, Church View, Blue Stone Lane, Boundary Lane, Thoroughgood Close, Dam Wood Lane, Cromfield, Bescar Lane, Black-a-moor Lane, Cottage Mews, and in these Lancashire postcodes: L39 2HJ, L39 1LR, L39 2AL, L39 2JW, L39 2AY, L39 2DT, L39 2HQ, L39 2JQ, L39 1LU, L39 1PD. Folks residing in these areas recently needed help from a financial advisor. Ormskirk residents enjoyed dependable and top quality financial services on each occasion.

If you would like to get local information about Ormskirk, Lancashire look here

Independent financial advisor in L39 area, 01695.

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(This financial advisor Ormskirk article was edited and updated on 01-09-2022)