Financial Advisor St Helens

St Helens Independent Financial Advice & Investment

Financial Advisor St Helens Merseyside (WA11): If you are seeking financial advice for the very first time, trying to find a first-rate financial advisor advisor in St Helens can be a challenging experience. Whether it is investments, pension, mortgage or even insurance advice that you are after, there's one common rule for all qualified financial advisors; they all have to observe Financial Conduct Authority (FCA) regulations. The benefit of this is that should a financial advisor who is FCA authorised give you bad advice, and anything goes wrong, you've got guarantees, and can get in touch with the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to have it put right.

Free St Helens Financial Advisor Quotes

A decent starting place in choosing a financial advisor in St Helens can be friends and relatives, but keep in mind that the sort of advice you're looking for might be significantly different to theirs. Any advice they provide needs to be tailored to your unique circumstances, and every financial advisor is not suitable for everybody. Selecting the right financial advisor is important and it is a good idea to talk to at least three different firms so as to explore the options they provide, and to find one that you can trust and feel at ease with.

Financial Advisor St Helens Merseyside (WA11)

There are 2 principal kinds of financial advisor in St Helens; independent financial advisors (IFA) and restricted advisors. The advantage of seeing an independent financial advisor is that they should not be restricted to a single provider's services or products, and can offer a broader range of options. Independent financial advice must cover the whole gamut of financial products and companies, and should be given in an unbiased way. Consulting an IFA should enable you to pick from the widest possible array of products. A restricted advisor might be limited to services and products from a particular provider, or may even focus on a specific product, as can happen with a mortgage advisor.

Before any financial advisor in St Helens accepts you as a client, they're required by the FCA to discuss their charges with you. Although it varies based on the kind of service you're interested in, 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 see if the advisor is a good fit for you and your circumstances, you could be offered the chance of a free preliminary consultation. If you go with one of the larger St Helens firms, your account could be managed by a team of advisors rather than just one individual.

Financial Advisors St Helens UK (01744)

To describe your targets and financial situation to the advising firm, you'll be asked to fill out a "Fact Find" document, which is a confidential disclosure form. You should also be handed an Initial Disclosure Document, or Key Facts Document, which gives you details about the financial advisor, their status to offer independent or restricted advice and their range of permissions in the financial market. If you're not happy with the service provided, and wish to complain, this document should also lay out your own rights and the possible options you can take. It must be simple to understand, written in layman's terms, and explain precisely what you're committing yourself to, along with the risks and benefits of going along with the advice. You'll find the amount of cooling-off period in this document. This allows you to change your mind within a specific number of days, and cancel your agreement with the financial advisor.

You need to check what experience and qualifications the financial advisor has the first time you speak to them. You should not be self-conscious about asking these questions, after all you're about to entrust your long-term financial wellbeing to their expertise. All financial advisors in St Helens must hold at least a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. Don't panic if your particular advisor's name doesn't show up on the Financial Services Register, providing the firm is on the register, their employees will be covered by the legislation. If these cannot be provided the person can still offer financial guidance rather than financial advice. In terms of finance guidance is somewhat different to advice and is not regulated in the same way. Therefore there's no recourse for either party if financial errors are made.

Financial Advisor Quotes in St Helens Merseyside

If you're seeking advice on investing money you'll be asked the level of risk you are ready to take on. Many investments carry some degree of risk, but high risk investments may offer higher rewards, but also more likelihood of losing your funds. Decent financial and investment advice will take into account your savings objectives, i.e. short or long term investments, how much you wish to invest and how rapidly you need access to your funds. You must always ask yourself the one vital question, how much can you really afford to lose. Known as your 'capacity for loss', this will quite likely influence the services and products that you are offered.

Financial Advice Near St Helens Merseyside

If you've already got any current regular outgoings, investments, savings accounts or mortgages, you should tell your financial advisor about these. They'll need these details, so they can get a picture of your financial situation and give the correct advice for your needs. Good quality financial advice should allow for diversifying your savings and investments by spreading the risk across different products. In order to reflect your goals and financial situation, a professional financial advisor in St Helens will understand the best areas to consider.

A financial advisor will reveal the complex world of finance, and try to communicate in the clearest possible way. After learning about the various products and services which meet your needs, you should be in a position to come to an informed and deliberative decision. You could perhaps ask your financial advisor only to include ethical investment and savings schemes. This does not just give you investment opportunities, but also allows you to lend your support to green energy or zero carbon projects, and stay away from businesses that don't share the same values that you do.

It isn't that easy to work closely with a financial advisor in St Helens without this impacting your work day and other obligations. Face-to-face appointments can be complemented with telephone calls and video conferencing to enable you to seek advice at a time to suit you. Working from home and remote working is now commonplace, and any professional financial advice company in St Helens will have strict measures in place to ensure your details are kept secure and confidential, even if you never have a face-to-face meeting with your personal advisor.


You need to remember that the financial sector can be an unpredictable one, and investment values could just as easily drop as well as rise. It can be extremely demoralising and worrying if your investment isn't making the amount of money you were hoping for. However, unless it's because of misleading or wrong information from your financial advisor, your investment having a downward trend is not a recognised cause for complaint.

Independent Financial Advisor Near St Helens (WA11)

As detailed in the Key Facts Document, any grievances should start out with the firm's official complaints procedure. If the issue remains unresolved within the period set out by the regulating authority, and the advisor is a member of the Financial Conduct Authority, you can notify the Financial Ombudsman.

The Financial Ombudsman will independently review the cause for complaint and come to a decision. A decision will be made on how to rectify or financially compensate the client, if the complaint is upheld. Once the ruling is agreed on by the client it becomes a legally binding decision which the advisor and their company, must abide by. The Ombudsman will also account for any distress, hassle, inconvenience and annoyance caused to the customer during the process, and set the level of compensation proportionately.

Book a Financial Advisor in St Helens UK

Financial advice can be provided in St Helens and also nearby in: Thatto Heath, Windlehurst, Dentons Green, Rainford, Haresfinch, Peasley Cross, Rainhill, Windle Island, Eccleston, West Park, Sutton Leach, Merton Bank, Sutton Heath, together with these postcodes WA10 1QF, WA10 1QT, WA10 1HF, WA10 1AF, WA10 1LR, WA10 1DA, WA10 1QZ, WA10 1WX, WA10 1RB, WA10 1DS. Local St Helens financial advisors will likely have the postcode WA11 and the phone code 01744. Checking this should make certain that you access locally based financial advisers. St Helens homeowners will be able to benefit from these and numerous other related services.

St Helens Financial Advice Services

Financial Advice Tasks St Helens

There are a number of different services which can be provided by your local St Helens financial advisor including pension plans, stakeholder pensions in St Helens, annuities, mortgage financial planning, unit trusts, pension advice, wealth management in St Helens, will writing services, pension transfer advice, financial services, investment bonds in St Helens, corporate financial planning, long term care fee planning in St Helens, mutual funds, inheritance tax planning, critical illness cover St Helens, cheap financial advice, corporate bonds, bereavement benefit advice, business protection, income protection, annuity purchase, life insurance in St Helens, retirement planning, life assurance in St Helens, investment consolidation advice, trustee investment services, multi-asset portfolios, personal protection, ISA's, and more. Listed are just a few of the tasks that can be performed by a financial advisor. St Helens professionals will be happy to inform you of their full range of services.

The Skills to be a Financial Advisor

  • To be thorough and pay attention to detail.
  • To have a goal driven attitude.
  • An excellent knowledge of economics and accounting associated with financial products and markets.
  • The ability to promote products and services.
  • To be able to network and establish relationships with customers.
  • Effective management skills for negotiating product rates.
  • To have good IT skills.
  • An excellent level of mathematical knowledge for producing financial plans.
  • Outstanding skills in verbal communication.
  • To have the ability to listen attentively
  • Good customer service skills for finding out customer requirements and needs.

Financial Advisors Near St Helens

Also find: Haresfinch financial advisors, Dentons Green financial advisors, Windlehurst financial advisors, Windle Island financial advisors, Abbotsfield financial advisors, Merton Bank financial advisors, Thatto Heath financial advisors, Laffak financial advisors, West Park financial advisors, Moss Bank financial advisors, Peasley Cross financial advisors, Gillar's Green financial advisors and more. Financial advisers are available for discussions in just about all of these towns and villages. People in the region can make enquiries about financial advice by going here.

St Helens Financial Advice Services

Find a Financial Advisor in St Helens Here
Financial Advice Enquiries in St Helens Merseyside (01744)
  • St Helens Inheritance Advice
  • St Helens Financial Advice
  • St Helens Cashflow Analysis
  • St Helens Mortgage Advice
  • St Helens Trustee Investments
  • St Helens Financial Services
  • St Helens Cheap Financial Advice
  • St Helens Life Insurance Advice
  • St Helens Retirement Advice
  • St Helens Tax Advice
  • St Helens Investment Advice
  • St Helens Corporate Financial Planning
  • St Helens Financial Advice Quotations
  • St Helens Estate Planning

To find local St Helens information click here

Independent financial advisor in WA11 area, and dialling code 01744.

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(This financial advisor St Helens information was reviewed and updated on 20-02-2024)