Financial Advisor Swinton

Swinton Independent Financial Advice & Investment

Financial Advisor Swinton Greater Manchester (M27): If you are in search of financial advice for the first time, trying to find a reliable independent financial advisor in the Swinton area can be a quite daunting experience. Whether it's pensions, mortgage, investments or even insurance guidance that you're looking for, there's one common rule for all financial advisors; they all have to observe Financial Conduct Authority (FCA) regulations. Any advice given by a FCA authorised financial advisor in Swinton comes with certain guarantees that if things go awry, you can contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.

Free Swinton Financial Advisor Quotes

When picking a financial advisor in Swinton, a good place to begin could be family and friends, but you must remember that your situation may not be the same as theirs, and you might be in need of a different type of advice. Every financial advisor is not suitable for everybody, and any advice they provide should be tailored to your unique circumstances. It pays to talk to at least 3 different firms when you are choosing a financial advisor, as this is an important decision, and you need to find one that you can trust and feel comfortable with, and at the same time explore the various options they can provide.

Financial Advisor Swinton Greater Manchester (M27)

When you're looking to pick a financial advisor in Swinton, there are essentially two main types; restricted advisors and independent financial advisors (IFA). An IFA will not be confined to a single provider's products or services. Independent financial advice should be given in an impartial and unbiased way and should cover the full gamut of financial companies and products. If you opt to use an independent financial advisor, you'll be able to select from the broadest possible range of services, so as to find the perfect solution for your needs. If you use a restricted financial advisor you'll find that they may be restricted to services and products of one particular provider, or as in the case of a mortgage advisor, might only be involved with one solitary product.

The Financial Conduct Authority requires that any Swinton financial advisor must fully discuss their charges with you, before taking you on as a client. You could be charged a set fee, by the hour or possibly even a proportion of your investment, based upon kind of services you require. A free preliminary consultation may be offered, so you can discuss your goals and circumstances to see if the advisor is a good fit. Your account might be looked after by a team as opposed to a single advisor, if you choose to go to one of the bigger Swinton companies.

Financial Advisors Swinton UK (0161)

Before any actual financial advice is handed out you'll have to complete a confidential disclosure form, known as a "Fact Find" document, which tells the advising company about your financial situation and desired goals. You will also be handed a Key Facts or Initial Disclosure Document, which gives you information on the financial advisor, their status to offer restricted or independent advice and the scope of their permissions in the financial arena. This document should also lay down your own legal rights and the possible options you can take if you're not happy with the service, and need to submit a complaint. It must be easily understood, written in plain language, and explain precisely what you are committing yourself to, along with the benefits and risks of taking the proffered advice. The Key Facts Document should also inform you of the level of cooling-off period. Within a specific period of time, this permits you to cancel the agreement with your financial advisor.

When talking with your financial advisor the very first time you should check their qualifications and experience. After all you are on the verge of entrusting your financial wellbeing to their skill, so you should never be embarrassed about asking these questions. Every Swinton financial advisor must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. You shouldn't panic if your particular advisor's name doesn't appear on the Financial Services Register, providing the company is listed on the register, their personnel will be covered by the legislation. If these can't be provided the person can still offer financial guidance rather than advice. Guidance differs to advice as it is not regulated in the same way, and if errors are made there may be no recourse to the client.

Financial Advisor Quotes in Swinton Greater Manchester

If it's investments that you are interested in, the advisor will want to know the amount of risk you are prepared to take on with your hard-earned money. Bigger rewards may be possible with high risk investments, but you may also lose some or all of your cash. In order to get the very best financial and investment advice, your savings aims must be considered, i.e. how much capital you want to invest, short or long term investments and how rapidly you need access to your money. "How much can you truly afford to lose?" Is the one question that you should really be asking yourself. Known as your 'capacity for loss', this will quite likely have an effect on services and products that you are offered.

Financial Advice Near Swinton Greater Manchester

From the outset, it's imperative that you tell your financial advisor about any savings, regular payments, investments or mortgages that you currently have. This should give a full and clear picture of your current financial circumstances, and without this the advice you get might not be the most suitable for you. Smart financial advice should include diversifying your savings and investments by spreading the risk across various products. In order to reflect your goals and financial circumstances, a competent financial advisor in Swinton will understand the best products to consider.

A financial advisor will lay bare the complex world of finance, and speak in the clearest possible way. This will allow you to compare products and services which meet your needs, and come to an informed decision. You can perhaps ask your advisor only to specify ethical savings and investments. This allows you to support enterprises and companies that match your concerns, i.e. green energy or zero carbon, or perhaps staying away from corporations that do not meet your criteria.

Working alongside your financial advisor in Swinton can be challenging to fit in around your work day and other responsibilities. To enable you to seek advice at times that suit you, one-on-one appointments can be backed up with video conferencing and telephone calls. Remote and home working is now a large part of our society, and any competent financial advice company in Swinton 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 advisor.


You must always bear in mind that the financial world is an unpredictable sector, and the value of your investments can just as easily go down as well as up. If it happens that your investment isn't making as much money as you hoped for, it can be a disheartening and worrying time. However, except if it's because of misleading or wrong information from your financial advisor, a downward trend in your investment isn't a recognised basis for complaint.

Independent Financial Advisor Near Swinton (M27)

Any grievances should start out with the company's complaints procedure as described in the Key Facts Document. If the matter remains unresolved within the timeframe laid down by the regulating body, and the financial advisor is a member of the Financial Conduct Authority, you can notify the Financial Ombudsman.

The Financial Ombudsman will come to a decision after reviewing the cause for complaint independently. If it is established that the complaint is justifiable, a decision will be made on how the client can be compensated or the situation rectified. This becomes a legally binding decision once it has been agreed on by the customer, and the financial advisor and their firm must abide by the ruling. Any trouble, upset, inconvenience and distress caused to the client during the situation, will be considered when the Financial Ombudsman sets the level of compensation.

Book a Financial Advisor in Swinton UK

Financial advice can be provided in Swinton and also in nearby places like: Wardley, Salford, Worsley, Patricroft, Prestwich, Moorside, Clifton, Rawmarsh, Hazelhurst, Swinton Park, Kilnhurst, Pendlebury, Newhill, Kearsley, Eccles, Wath-upon-Dearne, and in these postcodes M27 0AA, M27 0GE, M27 0BB, M27 0BZ, M27 0JE, M27 0EH, M27 0JH, M27 0FF, M27 0LF, M27 0JX. Local Swinton financial advisors will likely have the dialling code 0161 and the postcode M27. Checking this out can guarantee that you are accessing locally based financial advisers. Swinton home and business owners can benefit from these and lots of other comparable services. Click on the "enquiry" banner to get details about financial advisors in your area.

Pension Planning

Secure retirement hinges on the important aspect of pension planning. By engaging a financial advisor's services, one can witness a notable enhancement of this process. A knowledgeable advisor will assess your current financial situation, understand your retirement objectives, and design a personalised pension strategy. The intricacies of the UK's pension options, including workplace pensions, the state pension, and SIPPs (self-invested personal pensions), are navigated by them. Taking advantage of their expertise allows you to make informed decisions about tax implications, contributions and investment choices. To create an effective pension plan, providing peace of mind and financial stability for your future, working with a financial advisor in Swinton is essential.

The State Pension is the cornerstone of UK pension planning, as it provides a basic level of retirement income that is backed by the government. The amount of State Pension you receive will normally depend on how many National Insurance contributions you have made over your working life. However, the complexities of the State Pension scheme have become essential to understand, due to changes to the State Pension age and the number of qualifying years required. (42316)

Swinton Financial Advice Services

Financial Advice Tasks Swinton

There is a variety of services that are provided by your local Swinton financial advisor including financial services, investment consolidation advice Swinton, pension transfer advice, investment bonds, pension consolidation advice Swinton, mutual funds in Swinton, trustee investment services, cashflow planning, ISA's, business protection, wealth management, multi-asset portfolios in Swinton, investment planning, bereavement benefit advice, stakeholder pensions Swinton, personal financial planning in Swinton, financial analyst services, personal protection, income protection advice in Swinton, annuities in Swinton, inheritance tax planning Swinton, bridging finance, long term care fee planning, corporate financial planning in Swinton, familt controlled trusts in Swinton, investing an inheritance, general financial planning in Swinton, unit trusts, pensions in divorce, pension planning, and more. These are just a selection of the activities that can be handled by a financial advisor. Swinton professionals will be happy to inform you of their whole range of financial services.


Financial Advisors Near Swinton

Also find: Wardley financial advisors, Alder Forest financial advisors, Newhill financial advisors, Kilnhurst financial advisors, Linnyshaw financial advisors, Newtown financial advisors, Rainsough financial advisors, Roe Green financial advisors, Hazelhurst financial advisors, Clifton financial advisors, Patricroft financial advisors, Prestwich financial advisors, Swinton Park financial advisors, Moorside financial advisors and more. Anybody who is hunting for financial advice, will discover that these services are available in the majority of these places. Home and business owners in these places can make enquiries about financial advice by going here.

Swinton Financial Advice Services

Find a Financial Advisor in Swinton Here
Financial Advice Enquiries in Swinton Greater Manchester (0161)
  • Swinton Investment Advice
  • Swinton Pension Advice
  • Swinton Life Insurance Advice
  • Swinton Estate Planning
  • Swinton Corporate Financial Planning
  • Swinton Cashflow Analysis
  • Swinton Inheritance Advice
  • Swinton Wealth Management
  • Swinton Cheap Financial Advice
  • Swinton Trustee Investments
  • Swinton Retirement Advice
  • Swinton Tax Advice
  • Swinton Independent Financial Advice
  • Swinton Mortgage Advice

To obtain local Swinton information go here

Swinton Financial Advisor Jobs: View financial advisor jobs in Swinton here: General Financial Advisor Jobs

Independent financial advisor in M27 area, (dialling code 0161).

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(This financial advisor Swinton page was updated on 20-02-2024)