Financial Advisor Thornton Cleveleys

Thornton Cleveleys Independent Financial Advice & Investment

Financial Advisor Thornton Cleveleys Lancashire (FY5): Finding a first-rate financial advisor advisor in Thornton Cleveleys can be a daunting experience, especially if you're needing financial advice for the very first time. Whether it's mortgage, investments, pensions or even insurance guidance that you are looking for, there is one common rule for all professional financial advisors; they must all abide by Financial Conduct Authority regulations. This comes with some guarantees, thus after taking advice from a FCA approved financial advisor in Thornton Cleveleys, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman, if something should go awry.

Free Thornton Cleveleys Financial Advisor Quotes

When choosing a financial advisor in Thornton Cleveleys, a decent starting point could be relatives and friends, but you must bear in mind that your situation may not be in line with theirs, and you may be in need of a different type of advice. Not every financial advisor is suitable for everybody, and any advice they provide should be personalised to your particular situation. To check out the various options that they are offering and find a financial advisor that you can trust and feel comfortable with, it is wise to speak to at least three different firms, because picking a financial advisor is a major decision.

Financial Advisor Thornton Cleveleys Lancashire (FY5)

When you're looking to pick a financial advisor in Thornton Cleveleys, there are two principal types; independent financial advisors (IFA) and restricted advisors. An IFA won't be limited to a single company's products and services. Independent financial advice should be given in an impartial way and across the whole spectrum of financial products and companies. This will allow you to select from the widest possible range of products to meet your needs. A restricted financial advisor may be tied to services and products from one particular firm, or may even concentrate on just one product, as in the case of a mortgage advisor.

The Financial Conduct Authority requires that any financial advisor in Thornton Cleveleys must discuss their charges with you, before taking you on as a client. You might be charged by the hour, a set fee or even a specific percentage of your investment value, based on kind of services you're interested in. You may be offered the chance of a free first consultation to allow you to discuss your goals and find out if the advisor is a good fit for your situation. Your account could be managed by a team as opposed to a single advisor, if you choose to go with one of the bigger Thornton Cleveleys firms.

Financial Advisors Thornton Cleveleys UK (01253)

To summarise your targets and financial situation to the advising firm, you'll be asked to complete a "Fact Find" form, which is a confidential disclosure document. To provide information about the financial advisor, their situation for offering independent or restricted advice and the extent of their permissions in the financial sector, you will also be handed an Initial Disclosure Document, or Key Facts Document. If you aren't happy with the service, and wish to complain, this document should also set down your legal rights and the possible options you can take. It should be easy to understand, written in plain language, and explain precisely what you're signing up for, along with the risks and benefits of going along with the advice. You'll find the amount of cooling-off period in the Key Facts Document. This makes it possible for you to cancel your contract with the financial advisor within a specific time period, and whenever any penalty charges are incurred.

You need to check what qualifications and experience the financial advisor has the first time you talk to them. You shouldn't be self-conscious about asking such questions, after all you are on the verge of entrusting your financial future to their expertise. All Thornton Cleveleys financial advisors must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. When checking the Financial Services Register, don't freak out if your particular financial advisor's name doesn't appear on there; you should be able to find the firm name, and that means the legislation covers all of their staff. The person may still offer financial guidance as opposed to advice, if these cannot be provided. In terms of finance guidance differs to advice and is not regulated in the same way. Therefore there is no recourse for the client if mistakes are made.

Financial Advisor Quotes in Thornton Cleveleys Lancashire

If it's investments that you're interested in, your advisor will need to know the amount of risk you are prepared to take on with your hard-earned money. Higher risk investments could potentially offer larger rewards, but some or all of your money could be lost. The best financial and investment advice should take into account your savings objectives, i.e. how rapidly you need to access your funds, long or short term investments and how much you wish to invest. You must invariably ask yourself the one important question, how much can you actually afford to lose. This may well affect the services and products that could be offered for your consideration, and is sometimes referred to as your 'capacity for loss'.

Financial Advice Near Thornton Cleveleys Lancashire

If you have already got any current mortgages, investments, regular payments or savings accounts, you'll want to let your financial advisor know about these. To make certain that you receive the most suitable advice for you, they need to have a full and clear picture of your finances. The diversification of your savings and investments by spreading the risk across various products, is a crucial part of sound financial advice. A certified financial advisor in Thornton Cleveleys will be aware of the best areas to consider, which reflect your financial situation and your goals.

A financial advisor will open up the multifaceted world of finance, and communicate in as plain a speech as possible. You should be able to make an informed and educated decision after you have compared the various services and products that meet your needs. You can ask your financial advisor to only choose ethical savings and investments. This not only provides you with investment opportunities, but also allows you to lend your support to zero carbon or green energy projects, and stay clear of businesses and companies that do not share the same values that you do.

Working closely with your financial advisor in Thornton Cleveleys can be challenging to fit in around your work life and other obligations. This can be alleviated by supplementing face-to-face appointments with video conferencing and telephone calls, therefore allowing you to seek the guidance you need at a convenient time. A competent financial advice provider in Thornton Cleveleys will have strict measures in force to ensure your details are kept confidential and secure, even if you rarely have a one-on-one meeting with your advisor, because remote and home working is no longer unusual.


You have to understand that the financial world is a volatile sector, and the value of your investments can just as easily go down as well as up. It can be extremely demoralising and worrying if your investment is not making as much money as you were hoping for. However, except if it is owing to wrong or misleading information from your financial advisor, a downward trend in your investment is not seen as a basis for complaint.

Independent Financial Advisor Near Thornton Cleveleys (FY5)

As laid out in the Key Facts Document, any complaints should begin with the firm's official complaints procedure. If your financial advisor is a member of the FCA, you can let the Financial Ombudsman know about the problem if it is unsolved within the time-frame set out by the regulating authority.

The Financial Ombudsman will come to a decision after reviewing the cause of the complaint independently. If it's established that the complaint is justified, a decision is made on how the client can be compensated or the situation rectified. Once the ruling has been agreed on by the customer it becomes a legally binding decision that the advisor and their company, must comply with. Any annoyance, distress, hassle and inconvenience caused to the customer during the situation, will be considered when the Financial Ombudsman sets the level of compensation.

Book a Financial Advisor in Thornton Cleveleys UK

Financial advice can be provided in Thornton Cleveleys and also in nearby places like: Little Bispham, Norbreck, Poulton-le-Fylde, Warbreck, Churchtown, Little Leyton, Queenstown, Thornton, Hoohill, Little Thornton, Cleveleys, Staynall, Fleetwood, Bispham, Carleton, as well as in these postcodes FY5 3LZ, FY5 3FG, FY5 3GY, FY5 3HP, FY5 3EH, FY5 3AW, FY5 3DB, FY5 3EU, FY5 3LA, FY5 3HZ. Local Thornton Cleveleys financial advisors will most likely have the postcode FY5 and the phone code 01253. Checking this can ensure that you're accessing local financial advisers. Thornton Cleveleys householders are able to utilise these and numerous other finance related services.

Thornton Cleveleys Financial Advice Services

Financial Advice Tasks Thornton Cleveleys

There are a whole host of services that can be provided by your local Thornton Cleveleys financial advisor including multi-asset portfolios Thornton Cleveleys, cash flow modelling, annuities, investing an inheritance in Thornton Cleveleys, divorce financial planning, general financial planning, pension consolidation advice, bridging finance, trusts, ethical investment advice in Thornton Cleveleys, inheritance tax planning, investment consolidation advice, cashflow analysis, business financial planning, investment advice, corporate financial planning, life insurances, money planning, corporate bonds, wealth management in Thornton Cleveleys, retirement planning, death benefits, income protection advice in Thornton Cleveleys, portfolio management, pension advice, personal financial planning, pension reviews in Thornton Cleveleys, investment bonds in Thornton Cleveleys, pension transfers Thornton Cleveleys, financial analyst services in Thornton Cleveleys, and lots more. Listed are just a small portion of the duties that can be undertaken by a financial advisor. Thornton Cleveleys professionals will be delighted to keep you abreast of their entire range of financial services.


Financial Advisors Near Thornton Cleveleys

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

Thornton Cleveleys Financial Advice Services

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

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

Financial Advisors Around Thornton Cleveleys: Financial advisors were recently requested by folks living in Pleasant Grove, Crescent West, Wray Grove, Beechwood Drive, Willow Close, Oakwood Close, Norbreck Road, Murchison Grove, Skippool Road, Craven Corner, Glenmere Crescent, Oxhill Place, Woodridge Avenue, Cranbourne Grove, Linden Green, Bentley Green, Tennyson Avenue, Cresswood Avenue, Lambs Road, Thornton Place, Ruskin Avenue, The Chase, Knowle Avenue, Wingate Place, Bonney Street, Laurel Drive, South Promenade, Rosewood Close, Windsor Avenue, Alder Lane and these Thornton Cleveleys postcodes: FY5 3LZ, FY5 3FG, FY5 3GY, FY5 3HP, FY5 3EH, FY5 3AW, FY5 3DB, FY5 3EU, FY5 3LA, FY5 3HZ. Folks residing in these areas recently needed the help of a financial advisor. Thornton Cleveleys residents received dependable and top notch financial services on every occasion.

To read local info on Thornton Cleveleys, Lancashire take a look here

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

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(This financial advisor Thornton Cleveleys page was successfully updated on 28-06-2022)