Financial Advisor Poynton

Poynton Independent Financial Advice & Investment

Financial Advisor Poynton Cheshire (SK12): If you are seeking financial advice for the first time, trying to find a first-rate independent financial advisor in Poynton can be a daunting experience. However, all professional financial advisors are bound by one common rule; they must all observe the regulations set by the FCA (Financial Conduct Authority), regardless of whether you are searching for investments, pensions, mortgage or even insurance advice. Any advice given from a FCA registered financial advisor in Poynton comes with the guarantee that should things go awry, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman.

Free Poynton Financial Advisor Quotes

A good starting point when picking a financial advisor in Poynton may be family and friends, but bear in mind that the sort of advice you are looking for may be significantly different to theirs. Financial advice should be specifically tailored to your unique situation, and you'll discover that certain financial advisors might not be suitable for your requirements. Picking the right financial advisor is vital and it is a good idea to chat to at least three different companies in order to investigate the options they offer, and to find one that you feel comfortable with and can trust.

Financial Advisor Poynton Cheshire (SK12)

There are two principal kinds of financial advisor in Poynton; restricted advisors and independent financial advisors. Offering a wider range of options, an IFA will not be confined to the products or services of a single provider. Independent financial advice should encompass the full spectrum of financial companies and products, and should be offered in an impartial way. If you opt to use an independent financial advisor, you will be able to choose from the broadest possible array of products, so as to find the perfect solution for your needs. A restricted financial advisor may be concerned with an individual product, as with a mortgage advisor, or be restricted to services and products from a single firm.

Before taking you on as a client, any Poynton financial advisor must tell you about their charges, as required by the Financial Conduct Authority. You may be charged a set fee, by the hour or possibly even a percentage of your investment, contingent on product you're looking for. You may be offered the possibility of a free preliminary consultation to allow you to discuss your objectives and determine whether the advisor is the correct fit for you and your circumstances. In some of the bigger Poynton companies, you could find that your account is looked after by a team as opposed to an individual advisor.

Financial Advisors Poynton UK (01625)

To summarise your financial situation and goals to the advising firm, you will have to fill in a "Fact Find" document, which is a confidential disclosure form. To provide information on the financial advisor, their status to offer restricted or independent advice and their scope of permissions in the financial market, you will also be handed an Initial Disclosure, or Key Facts Document. This document should also set down your own rights and the possible options you can take if you're not happy with the service, and want to make a complaint. It should be easy to understand, written in plain language, and describe exactly what you are committing yourself to, together with the risks and benefits of going along with the advice. This document should also tell you about the level of cooling-off period. This allows you to have a change of heart within a certain period of time, and cancel the contract with your financial advisor.

The first time you're chatting with the financial advisor ensure that you check what qualifications and experience they've got. After all you are just about to entrust your financial future to their expertise, so you must not be self-conscious about asking such questions. A Level 4 qualification is the minimum required qualification for any financial advisor in Poynton, and they also have to be able to present you with an annual Statement of Professional Standing. If the advisor's name does not appear on the Financial Services Register, you should not freak out, the company the person works for should be found on the register and their advisors are all covered by the regulations. If they're unable to provide this evidence, the individual can't offer advice but only financial guidance. Guidance isn't regulated in the way that financial advice is, meaning that if errors occur neither party will have any recourse.

Financial Advisor Quotes in Poynton Cheshire

You will be asked the amount of risk you're willing and able to take on, if you are seeking advice on investing money. Many investments carry some degree of risk, but higher risk investments could potentially offer bigger rewards, but also more chance of losing your capital. Decent investment and financial advice will take into account your savings objectives, i.e. how much you have to invest, how rapidly you need access to your money and short or long term investments. You must always ask yourself the one important question, how much can you actually afford to lose. Generally referred to as your capacity for loss, this will very likely affect the products and services that you are offered.

Financial Advice Near Poynton Cheshire

You will need to tell your financial advisor about your current regular outgoings, investments, mortgage loans or personal savings. They'll need these details, so they can get a clear picture of your financial situation and give the best advice for you. The diversification of your savings and investments by spreading the risk load across different products, is a vital part of reliable financial advice. With an understanding of the best areas to consider, a competent financial advisor will focus attention on products that most closely match your financial situation and goals.

A financial advisor will throw open the complex world of finance, and try to converse in the clearest possible way. You should be in a position to make an informed decision once you have learned about the various services and products that meet your needs. If the environment is important to you, you could maybe ask that ethical investments and savings take precedence. You will then be able to stay clear of companies that businesses meet your criteria, but instead support those organisations and firms that match your concerns, for instance green energy or zero carbon.

It isn't that easy to work closely with a financial advisor in Poynton without this affecting work and other commitments. To allow you to get advice at times that suit you, one-on-one appointments can be complemented with video conferencing and phone calls. Even if you rarely have a one-to-one meeting with your advisor, an experienced financial advice firm in Poynton will have rigorous measures in place to keep your details secure and confidential, because working from home and remote working is now a large part of our society.


Investments can easily go down as well as up, since the financial sector can be unpredictable. It can be very stressful and demoralising if your investment fails to make as much money as you hoped for. Sadly, a downward spiral in your investment isn't a recognised cause for complaint, unless it's down to wrong or misleading information from your advisor.

Independent Financial Advisor Near Poynton (SK12)

The company's official complaints procedure should be the kick off point for any disputes, and the Key Facts Document should discuss this. If the matter remains unsolved within the time set by the regulating authority, and the advisor is registered with the FCA, you can get in touch with the Financial Ombudsman.

The Financial Ombudsman will independently review the cause of the complaint and make a ruling. A decision is made on how to financially compensate the customer, if the complaint is upheld. This becomes legally binding once it has been agreed on by the client, and the advisor and their company must abide by the decision. Any compensation fixed by the Ombudsman will also take into consideration any distress, inconvenience, hassle and upset caused to the customer during the dispute.

Book a Financial Advisor in Poynton UK

Financial advice can be provided in Poynton and also nearby in: Bramhall, Davenport, Cheadle Hulme, Hope Green, Marpleridge, Pott Shrigley, Adlington, Stockport, High Lane, Booth Green, Windlehurst, Great Moor, Hazel Grove, Wardsend, Woodford, Chester, together with these postcodes SK12 1DS, SK12 1JX, SK12 1AN, SK12 1ND, SK12 1AS, SK12 1PT, SK12 1HL, SK12 1EB, SK12 1QE, SK12 1DL. Local Poynton financial advisers will probably have the telephone code 01625 and the postcode SK12. Checking this out can ensure you access locally based financial advisers. Poynton property owners will be able to benefit from these and many other finance related services. Simply click the "enquiry" form or banner to get information on financial advisors in your location.

Pension Planning

Pension planning is a key step towards a secure retirement. The engagement of a financial advisor's services can bring about considerable process improvement. Designing a customised pension strategy, an experienced advisor will assess your current financial circumstances and understand your retirement objectives. They navigate the intricacies of UK pension options, such as workplace pensions, the State Pension, and SIPPs. Making informed decisions about investment choices, contributions and tax implications can be achieved by taking advantage of their expertise. The creation of a solid pension plan, providing financial stability and peace of mind for your future, is a result of working with a financial advisor in Poynton.

At the centre of UK pension planning is the State Pension, a government-backed scheme that provides a standard level of retirement income. A person's National Insurance contributions over their working life typically determines their eligibility for the State Pension. The complexities of the State Pension scheme have become more important to understand than ever before, due to changes to the number of qualifying years and the State Pension age. (42316)

Poynton Financial Advice Services

Financial Advice Tasks Poynton

There is a variety of services that are provided by your local Poynton financial advisor including business protection, long term care fee planning, financial services, cashflow analysis, will writing services in Poynton, pension drawdowns Poynton, inheritance tax planning, investment bonds, personal financial planning, pension advice, cash flow modelling, bereavement benefits, equity release advice, business planning in Poynton, trusts, money planning, investment advice in Poynton, stakeholder pensions, cheap financial advice, retirement advice Poynton, general financial planning in Poynton, corporate financial planning in Poynton, corporate bonds, personal pensions in Poynton, life insurance, pension reviews Poynton, mortgage advice, financial planning, mutual funds, savings advice in Poynton, and more. Listed are just a handful of the duties that can be accomplished by a financial advisor. Poynton professionals will tell you about their full range of financial services.

The Daily Duties of a Financial Advisor

  • Financial advisors work in collaboration with colleagues to obtain statistics, trends and market information.
  • Financial advisors recommend the best-suited financial products to their clients.
  • Financial advisors update clients about their investments.
  • Financial advisors produce in-depth financial reports.
  • Financial advisors provide consultation, counselling and education with regards to finances and investments.
  • Financial advisors meet sales and performance targets.
  • Financial advisors keep fully abreast of law changes and new financial products.
  • Financial advisors maintain detailed records of clients and transactions.
  • Financial advisors negotiate with financial product providers.
  • Financial advisors speak to clients about their finances and plans.

The Necessary Skills to be a Financial Advisor

  • Excellent management skills for the negotiation of product prices.
  • To be self-motivated and organised.
  • To be able to network and establish solid relationships with clients.
  • The ability to promote products and services.
  • A solid knowledge and understanding of economics and accounting associated with financial products and markets.
  • Good customer service skills for finding out customer requirements and needs.
  • To pay attention to detail and be thorough.
  • A good level of math knowledge for creating financial plans.
  • To be able to competently use a computer and the key software.
  • Attentive interpersonal and listening skills.
  • Outstanding skills in verbal communication.

Financial Advisors Near Poynton

Also find: Wardsend financial advisors, Davenport financial advisors, Windlehurst financial advisors, Pott Shrigley financial advisors, Middlewood financial advisors, Marpleridge financial advisors, Great Moor financial advisors, Booth Green financial advisors, Hope Green financial advisors, Kitt's Moss financial advisors, High Lane financial advisors and more. People who are looking for financial advice, will find that these services are available in all of these towns and areas. People in the region can make enquiries about financial advice by clicking here.

Poynton Financial Advice Services

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Financial Advice Enquiries in Poynton Cheshire (01625)
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Independent financial advisor in SK12 area, and dialling code 01625.

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(This financial advisor Poynton article was edited and updated on 20-02-2024)