Financial Advisor Poulton

Poulton Independent Financial Advice & Investment

Financial Advisor Poulton Lancashire (FY6): It can be an intimidating experience trying to locate a good independent financial advisor in Poulton, especially if it is the first time that you are needing financial advice. Whether you are searching for pension, mortgage, investments or even insurance advice, all qualified financial advisors have one thing in common; they must all observe the regulations laid down by the FCA (Financial Conduct Authority). Any advice given by a FCA registered financial advisor in Poulton comes with certain guarantees that if things go awry, you can get in touch with the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Free Poulton Financial Advisor Quotes

Family and friends recommendations can be a good starting point in picking a financial advisor in Poulton, but bear in mind that their circumstances might be different to the kind of advice you are looking for. Their advice needs to be personalised to your specific circumstances, and not every financial advisor is suitable for everybody. It is a good idea to talk with at least three different firms when you are selecting a financial advisor, since this is an important decision, and you need to find one that you feel comfortable with and can trust, and also explore the options they can provide.

Financial Advisor Poulton Lancashire (FY6)

There are two main types of financial advisor in Poulton; restricted advisors and independent financial advisors (IFA). The benefit of seeing an IFA is that they will not be restricted to the products and services of a single provider, and can offer a broader range of options. Independent financial advice should cover the entire gamut of financial products and companies, and must be offered in an unbiased way. This will permit you to choose from the widest possible range of products to meet your needs. If you go to a restricted advisor you'll find that they could be restricted to products and services of one particular provider, or as with a mortgage advisor, might only be involved with one individual product.

The FCA requires that any financial advisor must discuss their charges with you, before accepting you as a client. You may be charged a set fee, by the hour or maybe even a specific percentage of your investment, contingent on type of service you're interested in. To discuss your aims and find out if the advisor is a right fit for your circumstances, you will sometimes be offered the chance of a free initial consultation. If you use one of the larger Poulton firms, your account could be looked after by a team of advisors rather than one person.

Financial Advisors Poulton UK (01253)

You'll need to fill out a "Fact Find" document, which is a confidential disclosure form relating your goals and financial situation to the advising firm. To provide information about the financial advisor, their situation for offering restricted or independent advice and the extent of their permissions in the financial arena, you will also be given an Initial Disclosure, or Key Facts Document. This document will also lay out your legal rights and the options you can take if you aren't satisfied with the service, and would like to make a complaint. It must be easy to understand, written in plain language, and outline precisely what you're committing yourself to, together with the risks and benefits of taking the proffered advice. The cooling-off period should also be explained in this document. This enables you to cancel your contract with the financial advisor within a certain time frame, and if any penalty charges have to be paid.

When speaking with the financial advisor for the first time you'll want to check their qualifications and experience. Do not be self-conscious about asking these questions, after all you are on the verge of entrusting your financial wellbeing to their expertise. All Poulton financial advisors must hold at least a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. You should not worry if your financial advisor's name doesn't show up on the Financial Services Register, providing the firm is on the register, their staff will be covered by the legislation. If these cannot be provided the individual may still offer financial guidance rather than financial advice. Guidance is somewhat different to advice as it is not regulated in the same way, and if errors are made there may be no recourse to either party.

Financial Advisor Quotes in Poulton Lancashire

If you are needing advice on investing money you'll be asked about the level of risk you are willing to accept. Many investments carry some degree of risk, but higher risk investments could potentially offer bigger rewards, and also more likelihood of losing your capital. In order to get the most beneficial investment and financial advice, your savings aims must be considered, i.e. how much you wish to invest, long or short term investments and how rapidly you need to access your funds. "How much can you actually afford to lose?" Is the one crucial question that you really need to ask yourself. This is generally referred to as your 'capacity for loss' and may well influence the products and services that may be offered for your consideration.

Financial Advice Near Poulton Lancashire

If you have already got any current investments, regular payments, personal savings or mortgage loans, you need to tell your financial advisor about these. This gives a full and clear picture of your financial situation, and without this the advice given might not be the most appropriate for you. Sound financial advice should include diversifying your savings and investments by spreading the risk load across different products. A seasoned financial advisor in Poulton will be aware of the best areas to consider, which reflect your goals and your financial situation.

Your financial advisor will communicate in as much plain speech as possible, while throwing open the complex world of finance. This will enable you to compare services and products that match your needs, and make an informed decision. If you're environmentally minded, you can maybe ask your financial advisor to stick to ethical investments and savings. This allows you to support firms and enterprises that match your concerns, e.g. zero carbon or renewable energy, or perhaps staying away from firms that do not meet your requirements.

Working closely with a financial advisor in Poulton can be challenging to manage around your work life and other responsibilities. Face-to-face appointments can be complemented with video conferencing and phone calls to allow you to get advice at a time to suit you. Even if you hardly ever have a one-to-one meeting with your advisor, a professional financial advice company in Poulton will have strict measures in place to ensure your details are kept confidential and secure, because home and remote working is now a large part of our society.


Investments can go down as well as up, because the financial sector can be volatile. If it happens that your investment isn't making as much money as you hoped for, it can be an extremely disheartening and worrying time. Unfortunately, your investment having a downward trend isn't a recognised basis for complaint, unless of course it is owing to misleading or wrong information from your advisor.

Independent Financial Advisor Near Poulton (FY6)

The company's complaints procedure should be the starting place for any grievances, and the Key Facts Document should clarify this. If the problem is unsolved within the time schedule set by the regulating body, and your advisor is a member of the FCA, you can contact the Financial Ombudsman.

After reviewing the cause for complaint, the Financial Ombudsman will make a ruling on the issue. If the complaint is found to be justified, a decision is made on how to financially compensate the client. This will become a legally binding decision as soon as it has been accepted by the customer, and the financial advisor and their company must abide by the decision. Any trouble, distress, upset and inconvenience caused to the customer during the situation, will be accounted for when the Ombudsman establishes the level of compensation.

Book a Financial Advisor in Poulton UK

Financial advice can be provided in Poulton and also in: Hambleton, Bispham, Blackpool, Weeton, Fleetwood, Thornton-Cleveleys, Greenhaigh, Great Eccleston, Knott End-on-Sea, Thornton, Elswick, Cleveleys, Out Rawcliffe, Singleton, Staining, as well as in these postcodes FY6 7AD, FY6 7FJ, FY6 7HQ, FY6 7FF, FY6 6BP, FY6 6SL, FY6 6DQ, FY6 7JG, FY6 6SS, FY6 7AH. Local Poulton financial advisors will probably have the telephone dialling code 01253 and the postcode FY6. Checking this can make certain that you are accessing locally based financial advisers. Poulton home and business owners can benefit from these and lots of other comparable services.

Fundamental Skills for a Financial Advisor

  • To be good at selling financial products and services.
  • Outstanding skills in verbal communication.
  • To have good IT skills.
  • To have a goal driven mentality.
  • An excellent knowledge of accounting and economics with regard to financial markets and products.
  • Effective customer service skills for identifying customer needs and requirements.
  • Good business management skills for negotiating product rates.
  • To be thorough and pay attention to detail.
  • An excellent level of numeracy for producing financial packages.
  • To be able to network and build solid relationships with customers.
  • Active listening and interpersonal skills.

Poulton Financial Advice Services

Financial Advice Tasks Poulton

There are a wide range of services which are provided by your local Poulton financial advisor including pension consolidation, mutual funds, financial advice services, ethical investments, will writing services, divorce financial planning, trusts, cashflow analysis, mortgage services, stakeholder pensions, family income benefit in Poulton, independent financial advice, retirement advice in Poulton, inheritance tax planning Poulton, multi-asset portfolios, death benefit advice, pension plans, ISA's Poulton, investment consolidation, corporate financial planning Poulton, bridging finance, financial planning Poulton, familt controlled trusts Poulton, income protection, business protection, annuity purchases, long term care fee planning, pension reviews Poulton, personal protection, financial analyst services Poulton, and lots more. These are just a selection of the activities that can be carried out by a financial advisor. Poulton professionals will tell you about their entire range of services.

Financial Advice Enquiries Lancashire

Financial Advice Enquiries Lancashire

The latest Lancashire financial advice enquiries: Isa and Alana Dowling in Helmshore recently asked for information on investment bonds. Haydn and Ida Rushton from Billington, Lancashire recently enquired about investment bonds. Dana and Kenneth Maclean in Church, Lancashire recently asked for information on investment bonds. Ivy-Rose Glover in Waddington recently asked for information on life assurance. Chelsea and Joshua Joseph in Hambleton recently asked about family income benefit. Gabriella Connell from Broughton, Lancashire recently enquired about offshore investments. Edith Goulding and Clay Goulding from Whalley recently asked about mortgage advice. John Styles in Earby recently asked about mortgage advice. Most of these local people conducted a search for "financial advisor Lancashire" and discovered this web page on Google or another search engine.


Financial Advisors Near Poulton

Also find: Fleetwood financial advisers, Great Eccleston financial advisers, Elswick financial advisers, Greenhaigh financial advisers, Staining financial advisers, Blackpool financial advisers, Out Rawcliffe financial advisers, Thornton financial advisers, Hambleton financial advisers, Bispham financial advisers, Thornton-Cleveleys financial advisers, Cleveleys financial advisers, Weeton financial advisers, Knott End-on-Sea financial advisers, Singleton financial advisors and more. All of these towns and villages are serviced by local financial advisers. Poulton residents can get financial advice estimates by clicking here.

Poulton Financial Advice Services

Find a Financial Advisor in Poulton Here
Financial Advice Enquiries in Poulton Lancashire (01253)
  • Poulton Life Insurance Advice
  • Poulton Cashflow Analysis
  • Poulton Financial Advice Quotes
  • Poulton Trustee Investments
  • Poulton Pension Advice
  • Poulton Mortgage Advice
  • Poulton Cheap Financial Advice
  • Poulton Corporate Financial Advice
  • Poulton Inheritance Advice
  • Poulton Investment Advice
  • Poulton Retirement Advice
  • Poulton Financial Services
  • Poulton Independent Financial Advice
  • Poulton Estate Planning

Financial Advisors Around Poulton: Financial advice has recently been given in the following Poulton streets and areas - Edenfield Avenue, Gerrards Terrace, Bleasdale Avenue, Newton Avenue, Regents Terrace, Church Street, Broughton Way, Breck Close, Fairway, Carleton Gate, Berrys Lane, Willow Drive, Highcross Avenue, Minstrel Walk, Grizedale Avenue, Ashley Court, Sawthorpe Walk, Curzon Road, Pond Gardens, Ball Street, Rington Avenue, Rutland Avenue, Occupation Lane, Knaresborough Close, Winscar Walk, Market Place, Elizabeth Court, Fleetwood Road, as well as these local Poulton postcodes: FY6 7AD, FY6 7FJ, FY6 7HQ, FY6 7FF, FY6 6BP, FY6 6SL, FY6 6DQ, FY6 7JG, FY6 6SS, FY6 7AH. Folks living in these areas recently needed help from a financial advisor. Poulton residents enjoyed professional and competent financial services in all cases.

For local Poulton info click here

Poulton Financial Advisor Jobs: Browse financial adviser jobs near Poulton by clicking here: Financial Advisor Jobs Poulton

Independent financial advisor in FY6 area, phone code 01253.

TOP - Financial Advisor Poulton

Independent Financial Advisor Poulton - Independent Financial Advice Poulton - Investment Advice Poulton - Retirement Advice Poulton - Financial Advisor Near Poulton - 01253 - Life Insurance Poulton - Business Financial Advice Poulton - Personal Financial Advice Poulton


(This financial advisor Poulton article was revised and updated on 28-06-2022)