Financial Advisor St Helens

St Helens Independent Financial Advice & Investment

Financial Advisor St Helens Merseyside (WA11): If you are in search of financial advice for the first time, trying to find a first-rate independent financial advisor in the St Helens area can be a daunting experience. However, all professional financial advisors are bound by one common rule; they all have to adhere to the regulations set by the Financial Conduct Authority, whether you are searching for mortgage, investments, pensions or even insurance guidance. This comes with certain guarantees, therefore after getting advice from a FCA certified financial advisor in St Helens, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if something should go awry.

Free St Helens Financial Advisor Quotes

Recommendations from relatives and friends can be a good starting point in picking a financial advisor in St Helens, but bear in mind that their circumstances could be different to what you're looking for. Their advice needs to be tailored to your specific situation, and every financial advisor isn't suitable for everybody. It pays to speak to at least three different firms when you're picking a financial advisor, as this is a big decision, and you will be looking to find one that you can trust and feel comfortable with, and also investigate the options they can provide.

Financial Advisor St Helens Merseyside (WA11)

When you are looking to pick a financial advisor in St Helens, there are essentially two main types; independent financial advisors (IFA) and restricted advisors. The advantage of seeing an IFA is that they will not be restricted to the products and services of just one company, and can offer a broader range of options. Encompassing the entire gamut of financial companies and products, independent financial advice should be given in a frank and unbiased way to customers. Using an IFA should allow you to pick from the widest possible range of services. A restricted financial advisor could be focused on a single product, as with a mortgage advisor, or be restricted to services and products from a specific company.

Before any financial advisor in St Helens accepts you as a client, they're required by the FCA to be transparent about their charges. Although it can vary subject to the kind of service you are looking for, there may be an hourly rate, a set fee, or you might even be charged a proportion of the money you are investing. To discuss your objectives and see if the advisor is the correct fit for your circumstances, a free preliminary consultation might be offered. If you go to one of the bigger St Helens firms, your account may be handled by a team of advisors rather than a single person.

Financial Advisors St Helens UK (01744)

To describe your objectives and financial situation to the advising firm, you'll be required to fill in a "Fact Find" document, which is a confidential disclosure form. An Initial Disclosure Document, or Key Facts Document will also be handed to you, to provide details about the financial advisors themselves, outlining the extent of their permissions in the financial sector and their status to offer independent or restricted advice. This document should also make clear your rights and the possible options you can take if you aren't satisfied with the service provided, and need to submit a complaint. It has to be written in plain English and detail what you're committing yourself to, and any possible risks and benefits if you decide to go along with the offered advice. The Key Facts Document should also tell you about the level of cooling-off period. This enables you to cancel the agreement within a certain number of days, and whenever any penalties are incurred.

When speaking with your financial advisor initially make sure you check their qualifications and experience. After all you're just about to entrust your financial future to their skill, so you should not be embarrassed about asking such questions. All financial advisors in St Helens must hold at least a Level 4 qualification and present an annual Statement of Professional Standing. You don't need to worry if your particular advisor's name does not appear on the Financial Services Register, providing the firm is listed on the register, their advisors will be covered by the legislation. The person may still offer financial guidance instead of advice, if these cannot be provided. In financial terms guidance is different to advice and isn't regulated in the same way. Therefore there's no recourse for the client if errors occur.

Financial Advisor Quotes in St Helens Merseyside

You will be asked about the amount of risk you are prepared to take, if you are seeking advice on investing money. Most investments carry some degree of risk, but high risk investments could potentially offer bigger rewards, and also more likelihood of losing your cash. Good financial and investment advice will take into account your savings aims, i.e. how much you have to invest, how quickly you need access to your funds and short or long term investments. "How much money can you afford to lose?" Is the one question that you should really be asking yourself. This may well affect the products and services that could be offered for your consideration, and is commonly called your 'capacity for loss'.

Financial Advice Near St Helens Merseyside

From the outset, it is crucial that you let your financial advisor know about any existing savings accounts, regular outgoing payments, investments or mortgages that you have. They'll need these details, so that they can get a picture of your finances and give the correct advice for your needs. Diversifying your investments and savings by spreading the risk load across different products, is a vital part of reliable financial advice. With a knowledge of the best areas to consider, a certified financial advisor will concentrate on products that most closely fit in with your goals and financial circumstances.

A financial advisor will reveal the complex world of finance, and try to communicate in as plain a speech as possible. After comparing the various services and products that meet your needs, you should be able to come to an informed and intelligent decision. If you are mind is firmly on the environment, you can ask your advisor to stick to ethical savings and investments. You can then keep clear of investments that corporations meet your standards, but instead support those firms and organisations that match your concerns, for example zero carbon or green energy.

It isn't always easy to work closely with a financial advisor in St Helens without this impacting your work day and other responsibilities. To enable you to seek advice at times that suit you, face-to-face meetings can be supplemented with video conferencing and phone calls. An experienced financial advice company in St Helens will have stringent measures in force to keep your details confidential and secure, even if you hardly ever have an in-person meeting with your advisor, because home and remote working is no longer unusual.


The value of your investments can go down as well as up, and this is something that you must remember. If your investment isn't making the amount of money you were hoping for, it can be extremely worrying and demoralising. However, unless it's due to incorrect or misleading information from your financial advisor, a downward spiral in your investment is not a recognised cause for complaint.

Independent Financial Advisor Near St Helens (WA11)

Any grievances should begin with the firm's complaints procedure as described in the Key Facts Document. You can let the Financial Ombudsman know about the situation if it remains unresolved within the timeframe set by the regulating authority, and the advisor is a member of the FCA.

After independently 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 will be made on how to financially compensate the customer. Once the decision is agreed on by the customer it becomes a legally binding decision which the financial advisor and their firm, must comply with. Any compensation set by the Financial Ombudsman will also take into consideration any inconvenience, hassle, distress and upset caused to the customer during the situation.

Book a Financial Advisor in St Helens UK

Financial advice can be provided in St Helens and also in: Sutton Heath, Rainford, Eccleston, Thatto Heath, Merton Bank, Haresfinch, Peasley Cross, Windlehurst, Rainhill, Dentons Green, West Park, Sutton Leach, Windle Island, together with these postcodes WA10 1TG, WA10 1NF, WA10 1BZ, WA10 1SZ, WA10 1DS, WA10 1GD, WA10 1SX, WA10 1UB, WA10 2AD, WA10 1BF. Locally based St Helens financial advisers will most likely have the telephone dialling code 01744 and the postcode WA11.

Merseyside Financial Advisors

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Around Merseyside you can additionally get: Greasby investment advisors, New Brighton financial advice, Thornton financial advisors, Tarbock investment advice, Rainhill investment advisors, Windle financial advisors, Upton investment advisors, Ince Blundell investment advisors, Woodchurch investment advice, Eccleston financial advice, New Brighton investment advisors, Hoylake financial advice, Upton investment advice, Billinge financial advisors, Woodchurch financial advisors, Melling investment advice, Cronton investment advisors, Rainhill financial advisors, Sefton investment advisors, Halewood investment advisors, Greasby financial advisors, Halewood financial advice, Upton financial advisors, West Kirby investment advisors, Sefton financial advice.

St Helens Financial Advice Services

Financial Advice Tasks St Helens

There is a range of services that are provided by your local St Helens financial advisor including will writing services St Helens, stakeholder pensions, retirement planning St Helens, investment bonds St Helens, cash flow modelling, family income benefit, financial planning, pension reviews, equity release, annuities St Helens, pension planning, general financial planning, cheap financial advice, income protection, trustee investment services St Helens, mutual funds, corporate bonds, inheritance tax planning in St Helens, cashflow analysis, annuity purchase in St Helens, investment planning in St Helens, pension drawdowns, investment planning St Helens, life insurances, independent financial advice, and lots more.


Financial Advisors Near St Helens

Also find: Rainhill financial advisors, Peasley Cross financial advisors, Sutton Heath financial advisors, Haresfinch financial advisors, Merton Bank financial advisors, Windle Island financial advisors, Dentons Green financial advisors, Windlehurst financial advisors, Sutton Leach financial advisors, Thatto Heath financial advisors, West Park financial advisors, Eccleston financial advisors, Rainford financial advisors and more.

St Helens Financial Advice Services

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

Financial Advisors Around St Helens: Folks living in the following areas and roads have just recently enquired about financial advice - Speakman Road, Tasman Grove, Cottage Place, Sandon Grove, Springpool, Barton Close, Dawson Avenue, Swisspine Gardens, Delamere Avenue, Austell Close, Acacia Grove, Alder Lane, Campbell Street, Chiltern Road, Derbyshire Hill Road, Duncan Street, Thornaby Grove, Thames Road, Canal Street, Brownlow Arcade, Douglas Avenue, Stevenage Close, Thackray Road, Dearnley Avenue, Catterall Avenue, Carnoustie Grove, Cansfield Street, Close Street, Crossley Road, as well as these St Helens area postcodes: WA10 1TG, WA10 1NF, WA10 1BZ, WA10 1SZ, WA10 1DS, WA10 1GD, WA10 1SX, WA10 1UB, WA10 2AD, WA10 1BF.

If you want local St Helens information go here

Independent financial advisor in WA11 area, 01744.

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