Financial Advisor Rawtenstall

Rawtenstall Independent Financial Advice & Investment

Financial Advisor Rawtenstall Lancashire (BB4): If you are seeking financial advice for the first time, trying to locate a good financial advisor advisor in Rawtenstall can be an intimidating experience. Whether it's investments, mortgage, pensions or even insurance guidance that you're searching for, there is one common rule for all professional financial advisors; they must all stick to Financial Conduct Authority (FCA) regulations. Any advice given by a FCA approved financial advisor in Rawtenstall comes with the guarantee that should anything go wrong, you can contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Free Rawtenstall Financial Advisor Quotes

A decent starting point when picking a financial advisor in Rawtenstall may be friends and relatives, but remember that the kind of advice you're searching for could be somewhat different to theirs. Their advice needs to be adapted to your particular situation, and every financial advisor is not suitable for everybody. To check out the options that they can provide and find a financial advisor that you feel comfortable with and can trust, it is a good idea to talk with at least 3 different companies, because choosing a financial advisor is a major decision.

Financial Advisor Rawtenstall Lancashire (BB4)

Restricted advisors and independent financial advisors (IFA), are the two principal kinds of financial advisor in Rawtenstall. An independent financial advisor will not be confined to the products and services of a single company. Independent financial advice should cover the full spectrum of financial products and companies, and should be given in an impartial way. This will permit you to choose from the broadest range of services to match your needs. A restricted financial advisor could be limited to services and products from a specific firm, or might even concentrate on a specific product, as in the case of a mortgage advisor.

The FCA requires that any financial advisor must tell you about their charges, before taking you on as a client. Although it varies contingent on the type of service you require, there could be an hourly rate, a set fee, or you may even be charged a slice of the money you're investing. To discuss your goals and find out if the advisor is the correct fit for you and your circumstances, you could be offered the chance of a free initial consultation. If you go to one of the larger Rawtenstall companies, your account might be managed by a team of advisors rather than just one person.

Financial Advisors Rawtenstall UK (01706)

Before any financial advice is handed out you will have to fill in a confidential disclosure form, known as a "Fact Find" document, which tells the advising firm about your financial situation and aims. To provide details about the financial advisor, their situation for offering restricted or independent advice and the scope of their permissions in the financial sector, you will also be handed a Key Facts or Initial Disclosure Document. Your own rights should also be set out in this document, in addition to the options you can take if you wish to make a complaint because you're not satisfied with the service provided. It should detail exactly what you're signing up for, and any potential risks and benefits that exist if you choose to take the offered advice, and it has to be set down in plain English. The allowed cooling-off period should also be explained in this Key Facts Document. This permits you to have a change of heart within a specific time frame, and cancel your agreement with the financial advisor.

The very first time you're speaking with the financial advisor ensure that you check what qualifications and experience they've got. Asking such questions should not be a cause for embarrassment, because after all you are about to entrust them with your long-term financial wellbeing. Every Rawtenstall financial advisor must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. You don't need to panic if your specific advisor's name does not appear on the Financial Services Register, providing the firm is on the register, their employees will be covered by the regulations. If they're unable to present this evidence, the person cannot offer advice but can offer financial guidance. Guidance is not subject to regulations in the way that financial advice is, meaning that if mistakes arise the client won't have any recourse.

Financial Advisor Quotes in Rawtenstall Lancashire

If it is investing money that you're interested in, your advisor will question you about the level of risk you might be ready to take on with your hard-earned cash. Bigger rewards may be possible with higher risk investments, however you stand a greater chance of losing some or all of your money. In order to get the very best financial and investment advice, your savings aims must be taken into account, i.e. how much you wish to invest, long or short term investments and how quickly you need to access your funds. "How much money can you truly afford to lose?" Is the one important question that you should really be asking yourself. This may well affect the products and services that you are offered, and is generally referred to as your capacity for loss.

Financial Advice Near Rawtenstall Lancashire

From the outset, it is crucial that you tell your financial advisor about any regular outgoing payments, mortgage loans, investments or savings accounts that you currently have. This will give a clear picture of your financial circumstances, without which the advice you get might not be the best for you. The diversification of your savings and investments by spreading the risk load across different products, is a crucial part of sound financial advice. With an understanding of the best areas to consider, an experienced financial advisor will favour products that most closely fit in with your financial circumstances and goals.

Your financial advisor will attempt to communicate in the clearest possible way, to unveil the multifaceted world of finance. This will permit you to compare products and services which match your needs, and come to an informed decision. If environmental issues are at the forefront of your mind, you could even ask that ethical investments and savings take top priority. This doesn't just give you investment possibilities, but also enables you to support zero carbon or renewable energy projects, and avoid businesses and companies that do not share the same values that you do.

It could prove hard to manage your work and other responsibilities around working closely with a financial advisor in Rawtenstall. Face-to-face meetings can be backed up with telephone calls and video conferencing to allow you to get advice at a time to suit you. Even if you never have a face-to-face meeting with your personal advisor, a competent financial advice provider in Rawtenstall will have strict measures in force to keep your details secure and confidential, because home and remote working is now a large part of our society.


Investments can be an unpredictable area, and their values can go down as well as up. If it happens that your investment fails to make the amount of money you hoped for, it can be an extremely worrying and frustrating time. Unfortunately, a downward trend in your investment isn't seen as a cause for complaint, unless of course it is because of misleading or wrong information from your advisor.

Independent Financial Advisor Near Rawtenstall (BB4)

Any grievances should begin with the company's complaints procedure as outlined in the Key Facts Document. If the problem remains unsolved within the time stipulated by the regulating authority, and the advisor is registered with the Financial Conduct Authority, you can get in touch with the Financial Ombudsman.

After reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. If the complaint is justified, a decision will be made on how to financially compensate the client. Once the ruling has been accepted by the client it becomes a legally binding decision that the financial advisor and their company, must abide by. Any hassle, inconvenience, distress and upset caused to the customer during the process, will be taken into account when the Financial Ombudsman establishes the level of compensation.

Book a Financial Advisor in Rawtenstall UK

Financial advice can be provided in Rawtenstall and also in nearby places like: Townsend Fold, Flax Moss, Reedsholme, Bent Gate, Newchurch, New Hall Hey, Crawshawbooth, Lumb, Cowpe, Cloughfold, Waterfoot, Rossendale, Haslingden, Lane Side, Baxenden, Edenfield, Bacup, together with these postcodes BB4 6HW, BB4 6SJ, BB4 8SB, BB4 8SS, BB4 8SE, BB4 6RH, BB4 8EE, BB4 8SR, BB4 8SU, BB4. Local Rawtenstall financial advisors will likely have the postcode BB4 and the phone code 01706. Checking this should guarantee you access locally based financial advisers. Rawtenstall homeowners are able to utilise these and countless other similar services.

A Financial Advisor's Daily Tasks

  • A financial advisor keeps up to date with new products and legislation changes.
  • A financial advisor meets targets for sales and performance.
  • A financial advisor recommends the financial products that are best-suited to clients.
  • A financial advisor provides education, consultation and counselling with regards to investments and finances.
  • A financial advisor works together with peers to collect trends, statistics and market information.
  • A financial advisor makes deals with with providers of financial products.
  • A financial advisor consistently updates customers regarding their investments.
  • A financial advisor produces financial reports.
  • A financial advisor maintains detailed records of clients and transactions.
  • A financial advisor talks to clients regarding their plans and finances.

Skills and Knowledge Needed by a Financial Advisor

  • An excellent level of mathematical knowledge for producing financial plans.
  • An excellent knowledge and understanding of economics and accounting associated with financial markets and products.
  • To have excellent IT skills.
  • To be thorough and pay attention to detail.
  • To have the ability to listen attentively
  • Good skills in customer service for finding out customer requirements.
  • To be able to network and build solid relationships with clients.
  • Excellent business management skills for the negotiation of product rates.
  • Outstanding verbal communication skills.
  • To have excellent time management skills.
  • To be good at selling financial services and products.

Rawtenstall Financial Advice Services

Financial Advice Tasks Rawtenstall

There are a whole host of services which can be provided by your local Rawtenstall financial advisor including financial planning, pension consolidation advice Rawtenstall, financial services in Rawtenstall, equity release, trustee investment services Rawtenstall, investment advice, ISA's, long term care fee advice in Rawtenstall, savings advice, life assurance Rawtenstall, mutual funds Rawtenstall, corporate bonds, corporate financial planning, familt controlled trusts, will writing services, income protection, pension advice, wealth management & investments, pension drawdowns Rawtenstall, pensions in divorce, offshore investment advice, family income benefit, general financial planning, personal financial planning in Rawtenstall, bridging finance, multi-asset portfolios Rawtenstall, divorce financial planning in Rawtenstall, life insurance, saving for children in Rawtenstall, investing an inheritance, and lots more. These are just a few of the activities that can be performed by a financial advisor. Rawtenstall professionals will be delighted to keep you abreast of their whole range of financial services.


Financial Advisors Near Rawtenstall

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

Rawtenstall Financial Advice Services

Find a Financial Advisor in Rawtenstall Here
Financial Advice Enquiries in Rawtenstall Lancashire (01706)
  • Rawtenstall Independent Financial Advice
  • Rawtenstall Tax Advice
  • Rawtenstall Cashflow Analysis
  • Rawtenstall Wealth Management
  • Rawtenstall Inheritance Advice
  • Rawtenstall Estate Planning
  • Rawtenstall Trustee Investments
  • Rawtenstall Pension Advice
  • Rawtenstall Corporate Financial Planning
  • Rawtenstall Retirement Planning
  • Rawtenstall Mortgage Advice
  • Rawtenstall Cheap Financial Advice
  • Rawtenstall Life Insurance Advice
  • Rawtenstall Investment Advice

More Rawtenstall Services: Naturally, whenever you happen to be looking at your finances in Rawtenstall, Lancashire, you'll likely be in need of all kinds of different services and as well as a financial advisor in Rawtenstall, Lancashire, you could additionally need property law & conveyancing in Rawtenstall, family lawyers in Rawtenstall, accounting in Rawtenstall, mortgage advice in Rawtenstall, debt recovery & collection in Rawtenstall, mortgage brokers in Rawtenstall, investment advisors in Rawtenstall, tax preparation in Rawtenstall, estate planning in Rawtenstall, business consulting in Rawtenstall, business financial planning in Rawtenstall, wills & probate in Rawtenstall, payroll services in Rawtenstall, solicitors in Rawtenstall, banruptcy lawyers in Rawtenstall, contracts lawyers in Rawtenstall, bookkeepers in Rawtenstall, and other different Rawtenstall experts.

Financial Advisors Around Rawtenstall: Over the last year financial advice was provided in the following Rawtenstall streets: Goodshaw Fold Close, Linden Lea, Cedar Avenue, Grange Close, Ash Grove, St. James Street, Nuttall Street, Union Terrace, Corporation Street, Oakeneaves Avenue, South Street, Tor View, Unity Way, Heys Street, Burnley Road, Spring Gardens, Hope Street, Crabtree Buildings, St. Marys Court, Elm Street, Ormerod Street, Bacup Road, Cribden End Lane, and in these Lancashire postcodes: BB4 6HW, BB4 6SJ, BB4 8SB, BB4 8SS, BB4 8SE, BB4 6RH, BB4 8EE, BB4 8SR, BB4 8SU, BB4. People living in these local areas recently needed help from a financial advisor. Rawtenstall residents were given competent and professional financial services in all cases.

Financial Advisor Jobs Rawtenstall: Find financial advisor jobs near Rawtenstall by going here: General Financial Advisor Jobs

To obtain local information on Rawtenstall, Lancashire click here

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

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(This financial advisor Rawtenstall content was revised and updated on 28-06-2022)