Financial Advisor Poulton-le-Fylde

Poulton-le-Fylde Independent Financial Advice & Investment

Financial Advisor Poulton-le-Fylde Lancashire (FY6): If you are in search of financial advice for the first time, trying to locate a first-rate financial advisor advisor in Poulton-le-Fylde can be a daunting experience. However, all qualified financial advisors are bound by one common rule; they must all observe the regulations of the Financial Conduct Authority, regardless of whether you are looking for mortgage, investment, pension or even insurance guidance. The benefit of this is that should a financial advisor who is FCA registered give you poor advice, and things go awry, you have guarantees, and can go to the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to have it put right.

Free Poulton-le-Fylde Financial Advisor Quotes

When picking a financial advisor in Poulton-le-Fylde, a decent starting point could be friends and family, however you must remember that your situation might not be the same as theirs, and you might need a different sort of advice. Not every financial advisor is suitable for everybody, and their advice should be tailored to your specific circumstances. To check out the various options they are offering and find a financial advisor you can trust and feel at ease with, it is a good idea to speak to at least three different companies, because after all selecting a financial advisor is a major decision.

Financial Advisor Poulton-le-Fylde Lancashire (FY6)

When you are looking to pick a financial advisor in Poulton-le-Fylde, there are 2 principal types; restricted advisors and independent financial advisors. Offering a more diverse range of options, an IFA should not be restricted to the services and products of just one company. Covering the whole spectrum of financial companies and products, independent financial advice should be given in an unbiased and impartial way to customers. This will permit you to select from the widest possible range of products to meet your needs. If you use a restricted advisor you'll discover that they could be restricted to products and services of a single firm, or as in the case of a mortgage advisor, may only be involved with one individual product.

The Financial Conduct Authority requires that any financial advisor in Poulton-le-Fylde must be transparent about their charges, before accepting you as a client. You could be charged a set fee, by the hour or perhaps even a percentage of your investment value, contingent on product you require. To allow you to discuss your objectives and see if the advisor is a good fit for you and your circumstances, you could be offered the chance of a free preliminary consultation. In some of the larger Poulton-le-Fylde companies, you might find that your account is looked after by a team rather than an individual.

Financial Advisors Poulton-le-Fylde UK (01253)

Before any actual advice is handed out you will be required to fill out a confidential disclosure form, called a "Fact Find" document, which informs the advising firm about your objectives and financial situation. An Initial Disclosure, or Key Facts Document will also be given to you, to provide details about the financial advisors themselves, explaining their scope of permissions in the financial market and their status to offer independent or restricted advice. Your legal rights should also be set out in this document, along with the options you can take if you want to make a complaint because you aren't satisfied with the service you're given. It has to be typed out in plain language and detail what you are committing yourself to, and any possible risks and benefits if you decide to accept the advice offered. The allowed cooling-off period should also be explained in this document. This permits you to change your mind within a specific number of days, and cancel the contract with your financial advisor.

You'll want to check the qualifications and experience of your financial advisor the first time you talk to them. Don't be self-conscious about asking such questions, after all you're on the verge of entrusting your financial future to their skill. A Level 4 qualification in financial advice is the minimum required certification for any financial advisor in Poulton-le-Fylde, and they must also be in a position to provide you with an annual Statement of Professional Standing. When checking the Financial Services Register, don't freak out if your specific financial advisor's name does not appear on there; you should be able to find the firm name, and that means the legislation covers all of their staff. The person may still offer financial guidance rather than advice, if these cannot be presented. In financial terms guidance is different to advice and isn't regulated in the same way. Therefore there is no recourse for the client if mistakes occur.

Financial Advisor Quotes in Poulton-le-Fylde Lancashire

If you're seeking advice on investments you will be asked the level of risk you're comfortable with. Higher rewards may be possible with higher risk investments, however you stand a greater chance of losing some or all of your funds. Your savings objectives should be considered if good quality financial and investment advice is to be given, i.e. how quickly you need to access your money, long or short term investments and how much capital you want to invest. "How much can you actually afford to lose?" Is the one important question that you should really be asking yourself. This could affect the products and services that you are offered, and is generally referred to as your 'capacity for loss'.

Financial Advice Near Poulton-le-Fylde Lancashire

If you already have any existing mortgage loans, savings accounts, investments or regular payments, you have to let your financial advisor know about these. To make certain that you receive the best advice for you, they need to have a full and clear picture of your finances. Spreading the risk across a range of different products by diversifying your investments and savings, is something that good quality financial advice should allow for. With an understanding of the best areas to consider, a certified financial advisor will concentrate on products that most closely fit in with your goals and financial circumstances.

A financial advisor will throw open the multifaceted world of finance, and converse in as much plain speech as possible. You should be able to come to an informed and educated decision once you have learned about the various services and products that meet your needs. You could even ask your financial advisor only to include ethical savings and investment schemes. This will allow you to support organisations and firms that match your concerns, i.e. renewable energy or zero carbon, or perhaps avoiding corporations that don't meet your standards.

It's not always easy to work closely with a financial advisor in Poulton-le-Fylde without this affecting work and other commitments. This can be reduced by supplementing one-on-one appointments with phone calls and video conferencing, hence enabling you to get the guidance you need at convenient times. Even if you rarely have a face-to-face meeting with your advisor, any professional financial advice company in Poulton-le-Fylde will have strict measures in force to ensure your details are kept secure and confidential, because remote and home working is now a large part of our society.


You must always keep in mind that the financial sector can be unpredictable, and the value of your investments could just as easily go down as well as up. It can be extremely disheartening and stressful if your investment isn't making the amount of money you were hoping for. However, except if it's down to misleading or incorrect information from your financial advisor, your investment having a downward trend isn't a recognised grounds for complaint.

Independent Financial Advisor Near Poulton-le-Fylde (FY6)

Any disputes should commence with the firm's complaints procedure as laid out in the Key Facts Document. If the financial advisor is a member of the FCA, you can tell the Financial Ombudsman about the problem if it remains unsolved within the time set by the regulating body.

The Financial Ombudsman will come to a decision after reviewing the cause of the complaint independently. A decision will be made on how to rectify the situation or financially compensate the client, if the complaint is justified. The advisor and their firm must abide by any decision that's made by the Ombudsman, which becomes legally binding once the customer has accepted it. Any compensation fixed by the Financial Ombudsman will also account for any distress, trouble, annoyance and inconvenience caused to the customer during the situation.

Book a Financial Advisor in Poulton-le-Fylde UK

Financial advice can be provided in Poulton-le-Fylde and also in: Blackpool, Hambleton, Cleveleys, Fleetwood, Weeton, Staining, Bispham, Great Eccleston, Elswick, Singleton, Out Rawcliffe, Thornton, Thornton-Cleveleys, Knott End-on-Sea, Greenhaigh, as well as in these postcodes FY6 7HW, FY6 7DS, FY6 7BS, FY6 6SY, FY6 7LR, FY6 7FQ, FY6 7LL, FY6 6EH, FY6 7FR, FY6 7DT. Local Poulton-le-Fylde financial advisors will most likely have the postcode FY6 and the telephone dialling code 01253. Checking this should ensure you're accessing locally based financial advisers. Poulton-le-Fylde home and business owners are able to utilise these and various other related services. Simply click on the "enquiry" banner to get details about financial advisors in your area.

Poulton-le-Fylde Financial Advice Services

Financial Advice Tasks Poulton-le-Fylde

There is a range of services which can be provided by your local Poulton-le-Fylde financial advisor including annuity purchases in Poulton-le-Fylde, pension drawdowns, independent financial advice, trustee investment services, critical illness cover Poulton-le-Fylde, inheritance tax planning in Poulton-le-Fylde, retirement plans, ethical investment advice, family income benefit, investing an inheritance in Poulton-le-Fylde, savings advice, financial services in Poulton-le-Fylde, investment reviews, unit trusts, pension consolidation in Poulton-le-Fylde, multi-asset portfolios, life assurance advice, equity release advice in Poulton-le-Fylde, cheap financial advice Poulton-le-Fylde, investment consolidation advice Poulton-le-Fylde, pensions in divorce, annuities, divorce financial planning Poulton-le-Fylde, income protection advice Poulton-le-Fylde, offshore investments in Poulton-le-Fylde, cashflow planning, trusts in Poulton-le-Fylde, long term care fee advice, familt controlled trusts, personal financial planning in Poulton-le-Fylde, and more. Listed are just a few of the activities that can be undertaken by a financial advisor. Poulton-le-Fylde professionals will be happy to tell you about their whole range of services.

Lancashire Financial Advice Enquiries

Financial Advice Enquiries Lancashire

Recently posted Lancashire financial advice enquiries: Russell Mccluskey from Waterfoot recently asked about equity release. Lochlan and Safiya Sellars in Banks, Lancashire recently asked for information on equity release. Huxley Prince from Heath Charnock, Lancashire recently enquired about investment advice. Ellen Baird from Edenfield recently enquired about pension advice. Agnes Buxton and Curtis Buxton from Singleton recently asked for information on financial planning. Indie Holden from Read, Lancashire recently asked for information on offshore investments. Franky and Michelle Samuels in Aughton recently asked about investment advice. Lauren and Rishi Bowles from Rufford, Lancashire recently enquired about investment advice. Most of these local people searched for "financial advisor Lancashire" and located this web page on Bing, Yahoo or Google.

Lancashire Financial Advisors

Advisor Financial Advice Financial Advisor 01253 Poulton-le-Fylde Advisors Lancashire Investment Services FY6 Advice Advisers Financial

In the Lancashire area you'll also locate: Euxton investment advice, Caton investment advisors, Ightenhill financial advisors, Wilpshire investment advice, Freckleton financial advisors, Bacup investment advisors, Appley Bridge financial advice, North Meols investment advice, Poulton le Fylde financial advice, Halton investment advice, Livesey financial advice, Wesham investment advice, Edenfield financial advisors, Simonstone financial advisors, Langho financial advice, Whittle le Woods financial advice, Great Harwood investment advice, Carnforth investment advice, Walton le Dale investment advice, Warton financial advice, Cabus financial advisors, North Turton financial advice, Old Langho investment advice, Billington financial advice, Rishton investment advice, Clayton le Woods financial advice, Billington investment advice, Thornton Cleveleys financial advisors, Samlesbury financial advisors, Much Hoole investment advisors.

Skills and Knowledge Needed to be a Financial Advisor

  • To be able to network and build solid relationships with customers.
  • To have excellent IT skills.
  • Effective skills in customer service for determining client requirements and needs.
  • To pay attention to detail and be thorough.
  • A good level of math knowledge for producing financial packages.
  • Good management skills for negotiating product fees.
  • To have the ability to listen attentively
  • A solid understanding and knowledge of accounting and economics with regard to financial markets and products.
  • To be good at promoting services and products.
  • To have excellent time management skills.
  • Excellent verbal communication skills.

Financial Advisors Near Poulton-le-Fylde

Also find: Weeton financial advisers, Blackpool financial advisers, Hambleton financial advisers, Singleton financial advisers, Bispham financial advisers, Greenhaigh financial advisers, Fleetwood financial advisers, Out Rawcliffe financial advisers, Thornton-Cleveleys financial advisers, Thornton financial advisers, Cleveleys financial advisers, Staining financial advisers, Elswick financial advisers, Great Eccleston financial advisers, Knott End-on-Sea financial advisors and more. Most of these places are covered by local financial advisers. Poulton-le-Fylde residents can get quotations by clicking here.

Poulton-le-Fylde Financial Advice Services

Find a Financial Advisor in Poulton-le-Fylde Here
Financial Advice Enquiries in Poulton-le-Fylde Lancashire (01253)
  • Poulton-le-Fylde Mortgage Advice
  • Poulton-le-Fylde Inheritance Advice
  • Poulton-le-Fylde Financial Services
  • Poulton-le-Fylde Life Insurance Advice
  • Poulton-le-Fylde Wealth Management
  • Poulton-le-Fylde Trustee Investments
  • Poulton-le-Fylde Financial Advice Quotes
  • Poulton-le-Fylde Tax Advice
  • Poulton-le-Fylde Cheap Financial Advice
  • Poulton-le-Fylde Financial Advice
  • Poulton-le-Fylde Corporate Financial Advice
  • Poulton-le-Fylde Investment Advice
  • Poulton-le-Fylde Retirement Planning
  • Poulton-le-Fylde Cashflow Analysis

Financial Advisors Around Poulton-le-Fylde: Households in Hardhorn Way, Beech Drive, Elm Avenue, Queens Close, Northwood Way, Main Drive, The Fulmars, Brockholes Crescent, Skipton Avenue, Longfield Place, Dane Mews, Dovestone Drive, Snowdrop Dell, The Laurels, Princess Avenue, Leander Gardens, Derby Road, Lime Grove, Southbourne Avenue, Coppins Green, Hardhorn Road, Poulton Gardens, Hurstdene Close, Westby Court, Elizabeth Court, Beckdean Avenue, Regents Terrace, Palm Drive, Rutland Avenue, have needed financial advice recently. Financial advisors have also been active in these local Poulton-le-Fylde postcodes: FY6 7HW, FY6 7DS, FY6 7BS, FY6 6SY, FY6 7LR, FY6 7FQ, FY6 7LL, FY6 6EH, FY6 7FR, FY6 7DT. People residing in these areas recently requested the help of a financial advisor. Poulton-le-Fylde residents received trusted and competent financial services in all cases.

If you need local information on Poulton-le-Fylde, Lancashire go here

Independent financial advisor in FY6 area, and dialling code 01253.

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(This financial advisor Poulton-le-Fylde information was edited and updated on 28-06-2022)