Financial Advisor Stockton-on-Tees

Stockton-on-Tees Independent Financial Advice & Investment

Financial Advisor Stockton-on-Tees County Durham (TS19): Locating a decent financial advisor advisor in Stockton-on-Tees can be a daunting experience, in particular if you are needing financial advice for the first time. Whether you're searching for mortgage, investments, pensions or even insurance advice, all financial advisors are bound by one common rule; they all have to conform to the regulations set by the FCA (Financial Conduct Authority). The good thing about this is that if a financial advisor who is FCA authorised gives you poor advice, and anything goes awry, you've got guarantees, and can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman to have it put right.

Free Stockton-on-Tees Financial Advisor Quotes

A good starting point when choosing a financial advisor in Stockton-on-Tees may be family and friends, but bear in mind that the kind of advice you are looking for could be significantly different to theirs. Any advice they offer should be personalised to your unique situation, and not every financial advisor is suitable for everyone. Selecting the right financial advisor is crucial and it is wise to chat to at least three different companies so as to explore the options they can offer, and to find one that you can trust and feel at ease with.

Financial Advisor Stockton-on-Tees County Durham (TS19)

There are two principal types of financial advisor in Stockton-on-Tees; restricted advisors and independent financial advisors (IFA). An independent financial advisor should not be confined to a single company's services or products. Independent financial advice should cover the entire gamut of financial products and companies, and should be offered in an unbiased way. If you elect to use an IFA, you'll be able to select from the widest possible array of services, in order to find the ideal solution for you. If you go to a restricted advisor you will find that they may be limited to services and products of one particular provider, or as in the case of a mortgage advisor, might only be concerned with one individual product.

The Financial Conduct Authority demands that any Stockton-on-Tees financial advisor must tell you about their charges, before taking you on as a client. Based upon the type of service you require, you could be charged a set fee, by the hour or maybe even a percentage of your investment value. A free initial consultation might be offered, so that you can discuss your goals and circumstances to find out if the advisor is a good fit. In some larger Stockton-on-Tees companies, you may find that your account is looked after by a team rather than an individual advisor.

Financial Advisors Stockton-on-Tees UK (01642)

To summarise your financial situation and goals to the advising company, you will be required to complete a "Fact Find" form, which is a confidential disclosure document. A Key Facts Document, or Initial Disclosure Document will also be given to you, providing information regarding the financial advisors themselves, detailing their range of permissions in the financial arena and their situation for offering restricted or independent advice. This document will also lay down your legal rights and the options you can take if you are not happy with the service provided, and would like to make a complaint. It should detail what you're signing up for, and any potential benefits and risks that exist if you opt to take the advice offered, and it should be written in plain language. The Key Facts Document must also inform you about the level of cooling-off period. This makes it possible for you to cancel the contract within a certain time period, and if any penalty charges are incurred.

When chatting with your financial advisor the very first time you need to check their experience and qualifications. Asking such questions shouldn't cause you any embarrassment, because after all you are entrusting them with your financial wellbeing. A Level 4 qualification is the minimum required qualification for any Stockton-on-Tees financial advisor, and they must also be in a position to present an annual Statement of Professional Standing. You don't need to stress if your specific advisor's name doesn't appear on the Financial Services Register, so long as the company is listed on the register, their personnel are covered by the legislation. The person can still offer financial guidance as opposed to advice, if these can't be presented. Guidance is somewhat different to advice as it isn't regulated in the same way, and if financial errors occur there will probably be no recourse to either party.

Financial Advisor Quotes in Stockton-on-Tees County Durham

If you're looking for advice on investments you'll be asked about the level of risk you are willing to take. Many investments carry some element of risk, but higher risk investments could offer bigger rewards, and also more chance of losing your cash. Good investment and financial advice should take you savings goals into consideration, i.e. how quickly you need access to your money, how much you have to invest and short or long term investments. One question you should ask of yourself, which is usually neglected, is just how much you can actually afford to lose. This is known as your capacity for loss and might influence the products and services that may be offered for your consideration.

Financial Advice Near Stockton-on-Tees County Durham

From the outset, it is imperative that you tell your financial advisor about any existing regular outgoing payments, mortgage loans, investments or savings accounts that you currently have. This will give a full and clear picture of your current financial circumstances, and without this the advice you are given may not be the best for you. Spreading the risk across different products through the diversification of your savings and investments, is something that good financial advice should embrace. So as to reflect your goals and financial situation, an experienced financial advisor in Stockton-on-Tees will have the knowledge of the best products to consider.

A financial advisor will open up the multifaceted world of finance, and speak in the clearest possible way. After learning about the various services and products which meet your needs, you should be able to come to an informed and considered decision. You could ask your financial advisor to only choose ethical savings and investments. This not only provides you with investment opportunities, but also enables you to lend your support to renewable energy or zero carbon projects, and steer clear of businesses that do not share the same values that you do.

Working closely with your financial advisor in Stockton-on-Tees can be challenging to fit in around your work day and other obligations. One-on-one meetings can be backed up with video conferencing and telephone calls to allow you to get advice at a time to suit you. Remote and home working is now a large part of our society, and any competent financial advice firm in Stockton-on-Tees 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.


Investment values can go down as well as up, and this is something that you must always remember. If your investment isn't making the amount of money you were hoping for, it can be extremely worrying and disheartening. Your investment having a downward trend isn't a recognised grounds for complaint, unless your financial advisor has supplied you with incorrect or misleading information.

Independent Financial Advisor Near Stockton-on-Tees (TS19)

As outlined in the Key Facts Document, any grievances should start out with the firm's complaints procedure. If your financial advisor is a member of the Financial Conduct Authority, you can tell the Financial Ombudsman about the matter if it remains unresolved within the time set out by the regulating authority.

After looking into the cause for complaint, the Financial Ombudsman will come to a decision on the issue. A decision is made on how to rectify or financially compensate the customer, if the complaint is justified. Once the decision is accepted by the customer it becomes a legally binding decision which the advisor and their firm, must abide by. The Ombudsman will also consider any distress, upset, trouble and inconvenience caused to the client during the dispute, and fix the level of compensation proportionately.

Book a Financial Advisor in Stockton-on-Tees UK

Financial advice can be provided in Stockton-on-Tees and also in nearby places like: Redmarshall, Little Stainton, Bishopton, Middlesbrough, Whinney Hill, Wolviston, Norton, Ingleby Barwick, Newton Bewley, Billingham, Normanby, Fairfield, Roseworth, Eaglescliffe, as well as in these postcodes TS16 0LA, TS16 0ET, TS16 0FB, TS15 9GD, DL2 1TH, TS16 0DU, TS16 0HQ, TS16 0NE, TS16 0NL, TS16 0GY. Locally based Stockton-on-Tees financial advisers will most likely have the postcode TS19 and the dialling code 01642. Verifying this should ensure you access local financial advisers. Stockton-on-Tees homeowners are able to utilise these and various other finance related services.

Stockton-on-Tees Financial Advice Services

Financial Advice Tasks Stockton-on-Tees

There is a wide range of services that can be provided by your local Stockton-on-Tees financial advisor including portfolio management, pension reviews, trusts, personal pensions, mortgage services, pension consolidation advice, cheap financial advice, inheritance tax planning in Stockton-on-Tees, stakeholder pension advice Stockton-on-Tees, general financial planning Stockton-on-Tees, personal financial planning in Stockton-on-Tees, family income benefit in Stockton-on-Tees, ethical investments in Stockton-on-Tees, pension advice Stockton-on-Tees, bridging finance, mutual funds, business planning, tax financial planning, trustee investment services, savings advice, investment reviews in Stockton-on-Tees, corporate financial planning, ISA's, divorce financial planning, annuities, critical illness cover in Stockton-on-Tees, independent financial advice, income protection advice, personal protection, investing an inheritance, and more. These are just a selection of the duties that can be accomplished by a financial advisor. Stockton-on-Tees professionals will let you know their entire range of services.

The Skills to be a Financial Advisor

  • To have excellent IT skills.
  • An outstanding level of maths knowledge for building financial strategies.
  • A solid knowledge of economics and accounting relating to financial products and markets.
  • To have the ability to listen attentively
  • Excellent customer service skills for identifying client needs.
  • The ability to sell products and services.
  • Good management skills for negotiating product rates.
  • To be goal driven.
  • To pay attention to detail and be thorough.
  • Excellent skills in verbal communication.
  • To be able to network and build solid relationships with clients.

Financial Advisors Near Stockton-on-Tees

Also find: Fairfield financial advisors, Redmarshall financial advisors, Normanby financial advisors, Norton financial advisors, Little Stainton financial advisors, Newton Bewley financial advisors, West Lane financial advisors, Wolviston financial advisors, Roseworth financial advisors, Whinney Hill financial advisors, Elm Tree Farm financial advisors and more. Anyone who is looking for financial advice, will discover that these services are available in all of these towns and areas. Homeowners in these places can make enquiries about financial advice by going here.

Stockton-on-Tees Financial Advice Services

Find a Financial Advisor in Stockton-on-Tees Here
Financial Advice Enquiries in Stockton-on-Tees County Durham (01642)
  • Stockton-on-Tees Tax Advice
  • Stockton-on-Tees Mortgage Advice
  • Stockton-on-Tees Corporate Financial Advice
  • Stockton-on-Tees Financial Advice Quotations
  • Stockton-on-Tees Trustee Investments
  • Stockton-on-Tees Financial Services
  • Stockton-on-Tees Investment Advice
  • Stockton-on-Tees Wealth Management
  • Stockton-on-Tees Pension Advice
  • Stockton-on-Tees Inheritance Advice
  • Stockton-on-Tees Cheap Financial Advice
  • Stockton-on-Tees Cashflow Analysis
  • Stockton-on-Tees Retirement Advice
  • Stockton-on-Tees Financial Advice

More Stockton-on-Tees Services: Needless to say, whenever you are looking at your finances in Stockton-on-Tees, County Durham, you are likely to need all sorts of different services and apart from a financial advisor in Stockton-on-Tees, County Durham, you could also need mortgage advice in Stockton-on-Tees, property law & conveyancing in Stockton-on-Tees, accountants in Stockton-on-Tees, bookkeepers in Stockton-on-Tees, mortgage brokers in Stockton-on-Tees, family lawyers in Stockton-on-Tees, estate planning in Stockton-on-Tees, business consulting in Stockton-on-Tees, debt recovery & collection in Stockton-on-Tees, business financial planning in Stockton-on-Tees, banruptcy lawyers in Stockton-on-Tees, solicitors in Stockton-on-Tees, will writing in Stockton-on-Tees, payroll services in Stockton-on-Tees, tax preparation in Stockton-on-Tees, investment advisors in Stockton-on-Tees, contracts lawyers in Stockton-on-Tees, and other different Stockton-on-Tees experts.

If you need local information on Stockton-on-Tees, County Durham check here

Independent financial advisor in TS19 area, phone code 01642.

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(This financial advisor Stockton-on-Tees page was reviewed and updated on 20-02-2024)