Financial Advisor Rawtenstall

Rawtenstall Independent Financial Advice & Investment

Financial Advisor Rawtenstall Lancashire (BB4): Finding a reliable financial advisor advisor in Rawtenstall can be a daunting experience, in particular if you're seeking financial advice for the first time. Whether you are looking for investments, pension, mortgage or even insurance advice, all qualified financial advisors have one thing in common; they all have to adhere to the regulations laid down by the FCA (Financial Conduct Authority). This comes with certain guarantees, therefore after getting advice from a FCA approved financial advisor in Rawtenstall, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman, if something should go wrong.

Free Rawtenstall Financial Advisor Quotes

Family and friends recommendations can be a good starting point in picking a financial advisor in Rawtenstall, but remember that their needs might be different to the type of advice you're looking for. Any advice they provide should be personalised to your particular circumstances, and not every financial advisor is suitable for everyone. Selecting the right financial advisor is crucial and it is a good idea to chat to at least three different companies so as to explore the options they offer, and to find one that you can trust and feel comfortable with.

Financial Advisor Rawtenstall Lancashire (BB4)

When you are looking to pick a financial advisor in Rawtenstall, there are basically 2 main types; independent financial advisors (IFA) and restricted advisors. Offering a more diverse range of options, an independent financial advisor will not be confined to a single company's products or services. Independent financial advice must encompass the entire spectrum of financial products and companies, and must be offered in an unbiased way. This will permit you to choose from the broadest range of services to meet your needs. A restricted financial advisor could be focused on an individual product, such as a mortgage advisor, or be limited to services and products from a specific provider.

The FCA demands that any financial advisor in Rawtenstall must fully discuss their charges with you, before accepting you as a client. You might be charged a set fee, by the hour or possibly even a specific percentage of your investment, in accordance with product you are looking for. To discuss your aims and find out if the advisor is a good fit for you and your situation, a free initial consultation could be offered. Your account might be handled by a team rather than a single advisor, if you choose to go with one of the bigger firms in Rawtenstall.

Financial Advisors Rawtenstall UK (01706)

You will have to complete a "Fact Find" document, which is a confidential disclosure form relating your financial situation and aims to the advising firm. To provide details of the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial sector, you'll also be handed a Key Facts Document, or Initial Disclosure Document. This document will also lay down your legal rights and the possible options you can take if you're not happy with the service, and wish to complain. It must be written in plain language and describe what you're committing yourself to, and any possible benefits and risks should you choose to go along with the advice offered. You can find the amount of cooling-off period in the Key Facts Document. This permits you to have a change of heart within a specific time frame, and cancel the contract with your financial advisor.

The first time you're talking to your financial advisor ensure that you check what qualifications and experience they have. After all you are just about to entrust your financial future to their skill, so you should not be self-conscious about asking these questions. A Level 4 qualification is the minimum qualification for any Rawtenstall financial advisor, and they also have to be able to show an annual Statement of Professional Standing. When checking the Financial Services Register, don't panic if your specific advisor's name doesn't appear on there; you should be able to find the company name, and this means that the regulations covers all of their employees. The person can still offer financial guidance rather than advice, if these can't be provided. In financial terms guidance is somewhat different to advice and is not regulated in the same way. Therefore there isn't any recourse for either party if financial blunders arise.

Financial Advisor Quotes in Rawtenstall Lancashire

If you are needing advice on investments you will be asked the level of risk you are ready to accept. Higher rewards may be possible with higher risk investments, but you stand a greater chance of losing some or all of your capital. In order to get the very best financial and investment advice, your savings goals will need to be considered, i.e. how rapidly you need to access your money, how much you have to invest and long or short term investments. You should invariably ask yourself the one vital question, how much can you actually afford to lose. This is known as your 'capacity for loss' and may well influence the products and services that may be offered for your consideration.

Financial Advice Near Rawtenstall Lancashire

From the outset, it's imperative that you tell your financial advisor about any existing mortgages, savings accounts, regular payments or investments that you currently have. To make certain that you get the most suitable advice for you, they need to have a clear and full picture of your finances. The diversification of your investments and savings by spreading the risk load across a number of different products, is a vital part of sound financial advice. In order to mirror your goals and financial circumstances, a qualified financial advisor in Rawtenstall will have the knowledge of the best areas to consider.

Communicating in in the simplest terms possible, your financial advisor will throw open the multifaceted world of finance and investment. After learning about the various products and services that meet your needs, you should be able to make an informed and educated decision. You could ask your advisor only to include ethical savings and investments. You can then avoid companies that corporations meet your requirements, but instead support those companies and enterprises that match your concerns, for example zero carbon or renewable energy.

It could prove hard to manage your work and other obligations around working closely with a financial advisor in Rawtenstall. This can be reduced by augmenting one-on-one appointments with telephone calls and video conferencing, hence enabling you to get the advice you need at a convenient time. A competent financial advice company in Rawtenstall will have strict measures in place to ensure your details are kept secure and confidential, even if you hardly ever have a one-to-one meeting with your advisor, because remote and home working is now so common.


Investments can go down as easily as they can go up, because the financial world can be unpredictable. If your investment isn't making the amount of money you were hoping for, it can be incredibly worrying and frustrating. A downward spiraling of your investment is not a recognised basis for complaint, unless your financial advisor has given you wrong or misleading information.

Independent Financial Advisor Near Rawtenstall (BB4)

Any complaints should start out with the firm's official complaints procedure as indicated in the Key Facts Document. If the matter remains unresolved within the period set out by the regulating authority, and the advisor is a member of the Financial Conduct Authority, you can inform the Financial Ombudsman.

After looking into the cause for complaint, the Financial Ombudsman will come to a decision on the issue. If the complaint is found to be justified, a decision will be made on how to financially compensate the client. Once the ruling is agreed on by the customer it becomes a legally binding decision that the financial advisor and their company, must comply with. The Financial Ombudsman will also take into account any upset, inconvenience, trouble and distress caused to the customer during the dispute, and set the level of compensation accordingly.

Book a Financial Advisor in Rawtenstall UK

Financial advice can be provided in Rawtenstall and also nearby in: Lumb, Lane Side, Baxenden, New Hall Hey, Waterfoot, Cloughfold, Cowpe, Reedsholme, Bent Gate, Edenfield, Newchurch, Rossendale, Bacup, Haslingden, Flax Moss, Townsend Fold, Crawshawbooth, together with these postcodes BB4 6HP, BB4 8SQ, BB4 6AA, BB4 6RB, BB4 6SQ, BB4 7QW, BB4 6QS, BB4 8UN, BB4 8SF, BB4 6SH. Local Rawtenstall financial advisers will most likely have the postcode BB4 and the phone code 01706. Checking this out will guarantee that you access locally based financial advisers. Rawtenstall householders can benefit from these and various other similar services. Click on the "enquiry" banner or form to get details about financial advisors in your location.

Rawtenstall Financial Advice Services

Financial Advice Tasks Rawtenstall

There is a range of services that can be provided by your local Rawtenstall financial advisor including divorce financial planning, business protection, investment consolidation, investment bonds, annuities, pension planning Rawtenstall, will writing services, annuity purchase Rawtenstall, equity release advice in Rawtenstall, trustee investment services, business planning Rawtenstall, corporate financial planning, multi-asset portfolios, pension consolidation advice, general financial planning, pension drawdowns in Rawtenstall, money planning, long term care fee advice in Rawtenstall, bridging finance Rawtenstall, investing an inheritance Rawtenstall, savings advice, pension transfer advice, life insurance advice, tax advice, inheritance tax planning, trusts, cheap financial advice, personal protection, investment reviews, pension reviews, and more. Listed are just a small portion of the activities that can be performed by a financial advisor. Rawtenstall professionals will tell you about their whole range of financial services.


Financial Advisors Near Rawtenstall

Also find: Edenfield financial advisors, Bacup financial advisors, Crawshawbooth financial advisors, Bent Gate financial advisors, Lane Side financial advisors, Townsend Fold financial advisors, Newchurch financial advisors, Haslingden financial advisors, Cloughfold financial advisors, Flax Moss financial advisors, Baxenden financial advisors, Rossendale financial advisors, Reedsholme financial advisors, New Hall Hey financial advisors, Cowpe financial advisors, Lumb financial advisors, Waterfoot financial advisors and more. All these areas are covered by local financial advisers. Rawtenstall residents can get estimates by going here.

Rawtenstall Financial Advice Services

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Financial Advice Enquiries in Rawtenstall Lancashire (01706)
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Financial Advisors Around Rawtenstall: Financial advisors were recently required by people living in North Street, Carr Farm Close, Heys Street, Hollingreave Drive, Linden Lea, Bocholt Way, College Lane, Bury Road, Peel Street, Elm Street, Whitaker Green, Acrefield Drive, Nuttall Street, Crabtree Buildings, Roberts Street, Grange Close, St. James Street, Victoria Way, Alderwood, Lord Street, Rushey Close, Osborne Terrace, Goodshaw Fold Close, Tor View, Burnley Road and these Rawtenstall postcodes: BB4 6HP, BB4 8SQ, BB4 6AA, BB4 6RB, BB4 6SQ, BB4 7QW, BB4 6QS, BB4 8UN, BB4 8SF, BB4 6SH. Folks in these areas recently requested the help of a financial advisor. Rawtenstall residents received professional and reliable financial services.

More Rawtenstall Services: Needless to say, whenever you're looking at your finances in Rawtenstall, Lancashire, you'll probably be in need of all sorts of different services and apart from a financial advisor in Rawtenstall, Lancashire, you could additionally need bookkeepers in Rawtenstall, business consulting in Rawtenstall, investment advisors in Rawtenstall, contracts lawyers in Rawtenstall, mortgage advice in Rawtenstall, business financial planning in Rawtenstall, payroll services in Rawtenstall, solicitors in Rawtenstall, estate planning in Rawtenstall, family lawyers in Rawtenstall, mortgage brokers in Rawtenstall, will writing in Rawtenstall, accounting in Rawtenstall, debt recovery & collection in Rawtenstall, property law & conveyancing in Rawtenstall, tax preparation in Rawtenstall, banruptcy lawyers in Rawtenstall, and other different Rawtenstall experts.

Financial Adviser Jobs Rawtenstall: Get financial advisor jobs in Rawtenstall here: Financial Advisor Jobs Rawtenstall

If you want local Rawtenstall information look here

Independent financial advisor in BB4 area, and dialling code 01706.

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(This financial advisor Rawtenstall article was reviewed and updated on 01-09-2022)