Financial Advisor Thornton Cleveleys

Thornton Cleveleys Independent Financial Advice & Investment

Financial Advisor Thornton Cleveleys Lancashire (FY5): It can be a challenging experience trying to find a reliable financial advisor advisor in the Thornton Cleveleys area, particularly if it's the very first time that you're needing financial advice. Whether it's mortgage, pension, investments or even insurance guidance that you are after, there's one common rule for all financial advisors; they must all comply with Financial Conduct Authority regulations. The benefit of this is that if a financial advisor who is FCA certified gives you poor quality advice, and things go awry, you've got guarantees, and are able to get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme to get it put right.

Free Thornton Cleveleys Financial Advisor Quotes

A good starting point in choosing a financial advisor in Thornton Cleveleys can be relatives and friends, but remember that the kind of advice you are searching for might be different to theirs. Financial advice should be individually tailored to your particular circumstances, and you will find that some financial advisors might not be suitable for your requirements. To check out the various options they're offering and find a financial advisor you can trust and feel at ease with, it is a good idea to speak with at least 3 different companies, because choosing a financial advisor is a major decision.

Financial Advisor Thornton Cleveleys Lancashire (FY5)

When it comes to picking a financial advisor in Thornton Cleveleys, there are 2 principal types; independent financial advisors and restricted advisors. Offering a broader range of options, an independent financial advisor should not be restricted to a single provider's services and products. Covering the entire spectrum of financial companies and products, independent financial advice must be given in an honest and unbiased way to customers. If you elect to use an independent financial advisor, you'll be able to pick from the broadest possible range of products, so as to find the ideal solution for you. If you go to a restricted financial advisor you'll soon realise that they might be restricted to services and products of a single firm, or as in the case of a mortgage advisor, will only be involved with one product.

Before any financial advisor takes you on as a client, they're required by the FCA to tell you about their charges. Depending on the services you're looking for, you could be charged by the hour, a set fee or even a slice of your investment. To allow you to discuss your aims and see if the advisor is a right fit for you and your situation, you might be offered the possibility of a free first consultation. In some of the bigger Thornton Cleveleys companies, you might find that your account is being managed by a team rather than an individual.

Financial Advisors Thornton Cleveleys UK (01253)

To describe your targets and financial situation to the advising company, you will be required to fill in a "Fact Find" form, which is a confidential disclosure document. An Initial Disclosure Document, or Key Facts Document will also be handed to you, providing information about the financial advisors themselves, outlining the scope of their permissions in the financial arena and their situation for offering independent or restricted advice. This document should also lay down your own legal rights and the possible options you can take if you're not satisfied with the service provided, and want to make a complaint. It should outline exactly what you're signing up for, and any potential risks and benefits that exist if you decide to accept the advice offered, and it has to be laid out in plain language. You can find the level of cooling-off period in this document. Within a certain period of time, this permits you to cancel your agreement.

Make sure you check what qualifications and experience the financial advisor has the first time you speak with them. Asking these questions should not be a cause for embarrassment, because after all you are entrusting them with your long-term financial wellbeing. Every financial advisor in Thornton Cleveleys must be in a position to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. When you check the Financial Services Register, you should not panic if your particular financial advisor's name doesn't show up on there; you will probably locate the company name, and this means that the legislation covers all of their personnel. If they're not able to present this proof, the person cannot offer advice but is able to offer financial guidance. Guidance isn't subject to regulations in the way that financial advice is, which means that if mistakes are made neither party will have any recourse.

Financial Advisor Quotes in Thornton Cleveleys Lancashire

If it is investments that you are interested in, the advisor will need to know the level of risk you are prepared to take with your hard-earned money. High risk investments may potentially offer better rewards, but all or some of your funds could be lost. Your savings objectives should be considered if good quality investment and financial advice is to be given, i.e. short or long term investments, how rapidly you need to access your funds and how much you have to invest. You must always ask yourself the one vital question, how much money can you actually afford to lose. This is known as your capacity for loss and may influence the products and services that could be offered for your consideration.

Financial Advice Near Thornton Cleveleys Lancashire

If you've already got any current mortgages, personal savings, regular outgoing payments or investments, you'll want to tell your financial advisor about these. To ensure that you receive the most suitable advice for you, they need to gather a full and clear picture of your finances. Good quality financial advice should allow for diversifying your investments and savings by spreading the risk load across different products. Having an understanding of the best areas to consider, an experienced financial advisor will focus attention on products that fit in with your financial circumstances and goals.

A financial advisor will throw open the complex world of finance, and try to communicate in as much plain speech as possible. You should be in a position to make an informed and considered decision after you have compared the various services and products which match your needs. If you are mind is firmly on the environment, you can ask your advisor to stick to ethical savings and investments. This does not just give you investment possibilities, but also allows you to support green energy or zero carbon projects, and keep clear of those that don't share the same values as you do.

Working alongside your financial advisor in Thornton Cleveleys can be challenging to manage around your work day and other obligations. To enable you to get advice at a time to suit you, one-on-one meetings can be supplemented with telephone calls and video conferencing. A competent financial advice provider in Thornton Cleveleys will have stringent measures in place to ensure your details are kept confidential and secure, even if you hardly ever have an in-person meeting with your advisor, because remote and home working is now so common.


Investments can go down as well as up, as the financial world can be volatile. If it happens that your investment isn't making as much money as you hoped for, it can be a very worrying and demoralising time. However, except if it's due to incorrect or misleading information from your advisor your investment having a downward trend is not a recognised grounds for complaint.

Independent Financial Advisor Near Thornton Cleveleys (FY5)

Any grievances should commence with the company's complaints procedure as outlined in the Key Facts Document. You can inform the Financial Ombudsman of the situation if it remains unresolved within the time set by the regulating body, and the financial advisor is registered with the Financial Conduct Authority.

After reviewing the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. A decision is made on how to rectify the situation or financially compensate the customer, if the complaint is justified. Once the decision has been accepted by the client it becomes a legally binding decision that the financial advisor and their company, must comply with. The Financial Ombudsman will also consider any distress, upset, inconvenience and hassle caused to the customer during the dispute, and fix the level of compensation accordingly.

Book a Financial Advisor in Thornton Cleveleys UK

Financial advice can be provided in Thornton Cleveleys and also nearby in: Churchtown, Staynall, Cleveleys, Queenstown, Little Bispham, Warbreck, Norbreck, Little Thornton, Little Leyton, Carleton, Poulton-le-Fylde, Hoohill, Bispham, Fleetwood, Thornton, as well as in these postcodes FY5 3GL, FY5 3NU, FY5 3DD, FY5 3ED, FY5 3DF, FY5 3FT, FY5 3BN, FY5 3LE, FY5 3DP, FY5 3EB. Locally based Thornton Cleveleys financial advisors will most likely have the telephone dialling code 01253 and the postcode FY5. Checking this out should make certain that you access local financial advisers. Thornton Cleveleys householders are able to utilise these and various other similar services. Simply click on the "enquiry" banner to get info on financial advisors in your location.

A Financial Advisor's Day to Day Duties

  • Producing comprehensive financial reports.
  • Researching financial products and explaining them clearly and simply to customers.
  • Making deals with with providers of financial products.
  • Working together with associates to gather statistics, trends and market information.
  • Meeting sales and performance targets.
  • Keeping up to date with regulation changes and new financial products.
  • Continually updating customers concerning their investments.
  • Talking with clients regarding their finances and plans.
  • Keeping detailed records of clients and transactions.
  • Providing education, consultation and counselling regarding investments and finances.

Thornton Cleveleys Financial Advice Services

Financial Advice Tasks Thornton Cleveleys

There are a wide array of services which are provided by your local Thornton Cleveleys financial advisor including corporate financial planning in Thornton Cleveleys, pension transfers, savings advice in Thornton Cleveleys, income protection advice in Thornton Cleveleys, bridging finance, saving for children, ethical investment advice Thornton Cleveleys, personal financial planning in Thornton Cleveleys, business financial planning Thornton Cleveleys, multi-asset portfolios, familt controlled trusts in Thornton Cleveleys, pensions in divorce Thornton Cleveleys, investment bonds, unit trusts, trustee investment services, tax advice, equity release, wealth management, annuities, long term care fee planning in Thornton Cleveleys, will writing services Thornton Cleveleys, offshore investment advice, financial planning Thornton Cleveleys, investing an inheritance in Thornton Cleveleys, money planning, divorce financial planning in Thornton Cleveleys, personal pensions advice, critical illness cover Thornton Cleveleys, business protection, portfolio management, and lots more. These are just a small portion of the tasks that can be carried out by a financial advisor. Thornton Cleveleys professionals will be happy to inform you of their full range of financial services.


Financial Advisors Near Thornton Cleveleys

Also find: Thornton financial advisors, Little Thornton financial advisors, Fleetwood financial advisors, Cleveleys financial advisors, Churchtown financial advisors, Queenstown financial advisors, Little Bispham financial advisors, Bispham financial advisors, Warbreck financial advisors, Hoohill financial advisors, Little Leyton financial advisors, Norbreck financial advisors, Poulton-le-Fylde financial advisors, Staynall financial advisors, Carleton financial advisors and more. Most of these areas are serviced by local financial advisers. Thornton Cleveleys residents can get quotations by clicking here.

Thornton Cleveleys Financial Advice Services

Find a Financial Advisor in Thornton Cleveleys Here
Financial Advice Enquiries in Thornton Cleveleys Lancashire (01253)
  • Thornton Cleveleys Wealth Management
  • Thornton Cleveleys Life Insurance Advice
  • Thornton Cleveleys Cashflow Analysis
  • Thornton Cleveleys Investment Advice
  • Thornton Cleveleys Tax Advice
  • Thornton Cleveleys Inheritance Advice
  • Thornton Cleveleys Financial Advice
  • Thornton Cleveleys Trustee Investments
  • Thornton Cleveleys Corporate Financial Advice
  • Thornton Cleveleys Estate Planning
  • Thornton Cleveleys Financial Services
  • Thornton Cleveleys Retirement Advice
  • Thornton Cleveleys Pension Advice
  • Thornton Cleveleys Financial Advice Quotations

Financial Advisors Around Thornton Cleveleys: Financial advice has recently been provided in these Thornton Cleveleys streets and areas - Rosebank, Saxon Close, Broadway, Neville Drive, Belford Avenue, Jem Gate, Occupation Road, Birch Avenue, Ashdale Grove, Wordsworth Avenue, St. Teresas Avenue, Wharton Avenue, School Road, Thorncross, Lindley Croft, Seniors Drive, Gresham Road, Seaton Avenue, Mayfair Gardens, The Spinney, Broadhurst Road, The Links, West Drive West, St. Martins Court, Eversleigh Avenue, Rough Lea Road, St. Davids Avenue, Vermont Grove, Anchorsholme Lane East, Beverly Close, as well as the following Thornton Cleveleys area postcodes: FY5 3GL, FY5 3NU, FY5 3DD, FY5 3ED, FY5 3DF, FY5 3FT, FY5 3BN, FY5 3LE, FY5 3DP, FY5 3EB. People in these local areas recently requested the help of a financial advisor. Thornton Cleveleys residents received professional and dependable financial services on every occasion.

More Thornton Cleveleys Services: Needless to say, when you happen to be looking at your finances in Thornton Cleveleys, Lancashire, you will likely be in need of all types of different services and aside from a financial advisor in Thornton Cleveleys, Lancashire, you could also need tax preparation in Thornton Cleveleys, mortgage brokers in Thornton Cleveleys, solicitors in Thornton Cleveleys, bookkeeping in Thornton Cleveleys, business consulting in Thornton Cleveleys, accounting in Thornton Cleveleys, debt recovery & collection in Thornton Cleveleys, banruptcy lawyers in Thornton Cleveleys, mortgage advice in Thornton Cleveleys, property law & conveyancing in Thornton Cleveleys, wills in Thornton Cleveleys, payroll services in Thornton Cleveleys, business financial planning in Thornton Cleveleys, contracts lawyers in Thornton Cleveleys, family lawyers in Thornton Cleveleys, estate planning in Thornton Cleveleys, investment advisors in Thornton Cleveleys, and other different Thornton Cleveleys experts.

To find out local Thornton Cleveleys info check here

Independent financial advisor in FY5 area, (dialling code 01253).

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(This financial advisor Thornton Cleveleys content was updated on 01-09-2022)