Financial Advisor Stoke-on-Trent

Stoke-on-Trent Independent Financial Advice & Investment

Financial Advisor Stoke-on-Trent Staffordshire (ST1): If you're seeking financial advice for the first time, trying to locate a decent independent financial advisor in the Stoke-on-Trent area can be a quite daunting experience. Whether it's mortgage, pension, investment or even insurance advice that you're looking for, there's one common rule for all professional financial advisors; they all have to abide by FCA (Financial Conduct Authority) regulations. This comes with certain guarantees, therefore after getting advice from a FCA approved financial advisor in Stoke-on-Trent, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman, if something should go awry.

Free Stoke-on-Trent Financial Advisor Quotes

A decent starting place when choosing a financial advisor in Stoke-on-Trent could be friends and family, but remember that the sort of advice you are looking for may be different to theirs. Not every financial advisor is suitable for everyone, and any advice they provide needs to be personalised to your specific circumstances. It is a good idea to speak with at least 3 different companies when you are considering a financial advisor, as this is a big decision, and you'll be looking to find one that you feel comfortable with and can trust, and also check out the various options they offer.

Financial Advisor Stoke-on-Trent Staffordshire (ST1)

Restricted advisors and independent financial advisors, are the 2 principal kinds of financial advisor in Stoke-on-Trent. The benefit of using an IFA is that they won't be confined to the products or services of just one provider, and can offer a wide range of options. Independent financial advice must be given in a frank and unbiased way and across the whole spectrum of financial products and companies. If you decide to use an independent financial advisor, you'll be able to select from the broadest possible range of products, so as to find the ideal solution for your needs. If you use a restricted financial advisor you will soon realise that they could be restricted to products and services of a particular provider, or as with a mortgage advisor, will only be concerned with one individual product.

Before accepting you as a client, any Stoke-on-Trent financial advisor must fully discuss their charges with you, as demanded by the FCA. You might be charged a set fee, by the hour or even a percentage of your investment, in accordance with services you are interested in. A free initial consultation might be offered, so that you can discuss your goals and situation to find out if the advisor is the right fit. In some bigger Stoke-on-Trent companies, you might find that your account is being managed by a team rather than an individual advisor.

Financial Advisors Stoke-on-Trent UK (01782)

To summarise your objectives and financial situation to the advising firm, you'll have to fill in a "Fact Find" form, which is a confidential disclosure document. You will also be given a Key Facts Document, or Initial Disclosure Document, which provides details about the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial market. This document should also make clear your own legal rights and the possible options you can take if you aren't satisfied with the service provided, and wish to submit a complaint. It should outline precisely what you're signing up for, and any potential risks and benefits that exist should you elect to take the offered advice, and it should be set down in plain language. You'll find the amount of cooling-off period in the Key Facts Document. This enables you to cancel the contract within a certain time period, and whenever any penalty charges are incurred.

When talking with the financial advisor the very first time make sure you check their qualifications and experience. After all you're on the verge of entrusting your long-term financial wellbeing to their expertise, so you should not be embarrassed about asking these questions. All financial advisors in Stoke-on-Trent must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. If the advisor's name doesn't show up on the Financial Services Register, don't freak out, the company the person works for should be found on the register and their advisors are all covered by the legislation. If they're not able to present these accreditations, the person cannot offer advice but only financial guidance. In financial terms guidance is somewhat different to advice and isn't regulated. Therefore there's no recourse for either party if errors occur.

Financial Advisor Quotes in Stoke-on-Trent Staffordshire

You'll be asked about the amount of risk you are ready to accept, if you are seeking advice on investing money. Better rewards may be possible with high risk investments, however you may also lose some or all of your funds. In order to get the very best investment and financial advice, your savings objectives will have to be given careful consideration, i.e. how much you wish to invest, how rapidly you need to access your funds and short or long term investments. One question you should ask yourself, which is frequently neglected, is just how much you can actually afford to lose. This is commonly called your capacity for loss and may well influence the products and services that are offered to you.

Financial Advice Near Stoke-on-Trent Staffordshire

If you've already got any existing savings accounts, regular outgoing payments, mortgage loans or investments, you have to let your financial advisor know about these. To make certain that you receive the best advice for you, they need a clear and full picture of your financial situation. Spreading the risk load across different products by diversifying your investments and savings, is something that sound financial advice should allow for. A certified financial advisor in Stoke-on-Trent will have the knowledge of the best areas to consider, which reflect your goals and your financial situation.

Your financial advisor will attempt to communicate in as much plain speech as possible, while revealing the complex world of finance. After comparing the products and services that meet your needs, you should be in a position to make an informed and intelligent decision. You could maybe ask your advisor to only include ethical investment and savings schemes. You can then stay away from companies that companies meet your criteria, but instead lend your support to those businesses and firms that match your concerns, for instance zero carbon or green energy.

Working alongside your financial advisor in Stoke-on-Trent can be difficult to fit in around your work life and other commitments. To enable you to get advice at times that suit you, face-to-face appointments can be complemented with video conferencing and phone calls. Working from home and remote working is now commonplace, and any professional financial advice company in Stoke-on-Trent will have strict measures in place to keep your details confidential and secure, even if you never have an in-person meeting with your personal advisor.


Investment values could fall as well as rise, and this is a factor that you must bear in mind. If your investment fails to make the amount of money you were hoping for, it can be incredibly stressful and frustrating. However, unless it's because of wrong or misleading information from your financial advisor, a downward trend in your investment is not a recognised grounds for complaint.

Independent Financial Advisor Near Stoke-on-Trent (ST1)

Any grievances should begin with the firm's official complaints procedure as described in the Key Facts Document. You can let the Financial Ombudsman know about the situation if it is unsolved within the time-frame set out by the regulating authority, and the advisor is registered with the Financial Conduct Authority.

The Financial Ombudsman will look into the cause of the complaint and make a ruling. If the complaint is upheld, a decision is made on how to financially compensate the customer. On acceptance by the customer, the decision becomes legally binding, and the advisor and their company must abide by it. The Ombudsman will also account for any hassle, distress, inconvenience and annoyance caused to the customer during the situation, and fix the level of compensation accordingly.

Book a Financial Advisor in Stoke-on-Trent UK

Financial advice can be provided in Stoke-on-Trent and also in: Mount Pleasant, Keele, Blurton, Fenton, Bucknall, Springfields, Trent Vale, Clayton, Trentham, Boothen, May Bank, Audley, Shelton, Ubberley, Etruria, Penkhull, Barlaston, Wolstanton, Dresden, Fulford, and in these postcodes ST1 2AB, ST1 2EZ, ST1 1JQ, ST1 1HE, ST1 1XR, ST1 1LD, ST1 1NW, ST1 2LJ, ST1 1LA, ST1. Locally based Stoke-on-Trent financial advisors will probably have the postcode ST1 and the dialling code 01782. Checking this will guarantee you access local financial advisers. Stoke-on-Trent homeowners will be able to utilise these and lots of other finance related services. Simply click the "enquiry" form or banner to get information on financial advisors in your location.

A Financial Advisor's Regular Tasks

  • Financial advisors keep fully up to date with new products and regulation changes.
  • Financial advisors negotiate with providers of financial products.
  • Financial advisors research financial products and explain them clearly and simply to their clients.
  • Financial advisors speak to customers regarding their plans and finances.
  • Financial advisors keep a record of customers and transactions.
  • Financial advisors produce financial reports.
  • Financial advisors work in collaboration with their peers to obtain statistics, trends and market information.
  • Financial advisors meet sales and performance targets.
  • Financial advisors continually update customers concerning their investments.
  • Financial advisors provide consultation, counselling and education with regards to investments and finances.

Stoke-on-Trent Financial Advice Services

Financial Advice Tasks Stoke-on-Trent

There are a wide array of services that are provided by your local Stoke-on-Trent financial advisor including multi-asset portfolios, income protection, money planning in Stoke-on-Trent, pension reviews in Stoke-on-Trent, financial services, pension drawdowns Stoke-on-Trent, tax financial planning Stoke-on-Trent, corporate bonds, financial planning, wealth management, business protection, annuity purchases, inheritance tax planning, familt controlled trusts, mortgage services in Stoke-on-Trent, personal financial planning in Stoke-on-Trent, death benefits, trustee investment services, investment planning Stoke-on-Trent, investing an inheritance, personal protection, portfolio management in Stoke-on-Trent, corporate financial planning, family income benefit, divorce planning, long term care fee planning Stoke-on-Trent, critical illness cover, stakeholder pensions, cash flow modelling, life assurance, and lots more. These are just some of the activities that can be handled by a financial advisor. Stoke-on-Trent professionals will tell you about their entire range of financial services.


Financial Advisors Near Stoke-on-Trent

Also find: Bucknall financial advisors, Mount Pleasant financial advisors, Boothen financial advisors, Ubberley financial advisors, Blurton financial advisors, Dresden financial advisors, Springfields financial advisors, Penkhull financial advisors, Shelton financial advisors, Trentham financial advisors, Wolstanton financial advisors, Trent Vale financial advisors, May Bank financial advisors, Etruria financial advisors, Fulford financial advisors, Barlaston financial advisors, Clayton financial advisors and more. Most of these localities are catered for by financial advisors. Residents in the region can make enquiries about financial advice by clicking here.

Stoke-on-Trent Financial Advice Services

Find a Financial Advisor in Stoke-on-Trent Here
Financial Advice Enquiries in Stoke-on-Trent Staffordshire (01782)
  • Stoke-on-Trent Independent Financial Advice
  • Stoke-on-Trent Cashflow Analysis
  • Stoke-on-Trent Corporate Financial Planning
  • Stoke-on-Trent Financial Services
  • Stoke-on-Trent Inheritance Advice
  • Stoke-on-Trent Trustee Investments
  • Stoke-on-Trent Financial Advice Quotations
  • Stoke-on-Trent Wealth Management
  • Stoke-on-Trent Pension Advice
  • Stoke-on-Trent Life Insurance Advice
  • Stoke-on-Trent Cheap Financial Advice
  • Stoke-on-Trent Investment Advice
  • Stoke-on-Trent Estate Planning
  • Stoke-on-Trent Mortgage Advice

Financial Advisor Jobs Stoke-on-Trent: See financial advisor jobs near Stoke-on-Trent by going here: Financial Advisor Jobs Stoke-on-Trent

To get local information on Stoke-on-Trent, Staffordshire look here

Independent financial advisor in ST1 area, telephone code 01782.

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(This financial advisor Stoke-on-Trent content was edited and updated on 20-02-2024)