Financial Advisor Ulverston

Ulverston Independent Financial Advice & Investment

Financial Advisor Ulverston Cumbria (LA12): If you are in search of financial advice for the very first time, trying to find a first-rate financial advisor advisor in the Ulverston area can be a challenging experience. Nevertheless, all qualified financial advisors have one thing in common; they all have to follow the regulations set by the Financial Conduct Authority (FCA), regardless of whether you are looking for pension, mortgage, investments or even insurance advice. This comes with some guarantees, thus after getting advice from a FCA certified financial advisor in Ulverston, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if something should go awry.

Free Ulverston Financial Advisor Quotes

When picking a financial advisor in Ulverston, a good place to start could be family and friends, but you must keep in mind that your situation may not be in line with theirs, and you may need a different sort of advice. Every financial advisor is not suitable for everyone, and their advice needs to be adapted to your particular situation. It is a good idea to speak to at least 3 different companies when you're picking a financial advisor, because this is a major decision, and you need to find one that you can trust and feel comfortable with, and check out the options they can provide.

Financial Advisor Ulverston Cumbria (LA12)

There are two principal types of financial advisor in Ulverston; independent financial advisors and restricted advisors. An IFA should not be confined to the products and services of a single provider. Encompassing the full gamut of financial products and companies, independent financial advice should be offered in an unbiased and impartial way to clients. This will allow you to select from the widest possible range of services to meet your needs. A restricted advisor may be limited to products and services from a particular company, or may even focus on a single product, as you might find with a mortgage advisor.

Before taking you on as a client, any financial advisor in Ulverston must be fully transparent with you about their charges, as required by the Financial Conduct Authority. Based on the services you're interested in, you could be charged a set fee, by the hour or possibly even a proportion of your investment. A free first consultation may be offered, so that you can discuss your objectives and circumstances to find out if the advisor is the right fit. In some of the bigger Ulverston firms, you could find that your account is handled by a team as opposed to an individual advisor.

Financial Advisors Ulverston UK (01229)

Before any advice is given you'll need to fill in a confidential disclosure form, known as a "Fact Find" document, which informs the advising company about your desired goals and financial situation. An Initial Disclosure Document, or Key Facts Document will also be given to you, providing details about the financial advisors themselves, detailing their range of permissions in the financial sector and their situation for offering restricted or independent advice. If you aren't happy with the service provided, and wish to submit a complaint, this document will also set down your own rights and the possible options you can take. It must be simple to understand, written in plain language, and outline exactly what you are signing up for, along with the benefits and risks of going along with the advice. The level of cooling-off period should also be spelled out in this Key Facts Document. Within a specific time period, this allows you to cancel the contract.

Ensure that you check the qualifications and experience of the financial advisor when you first talk to them. Asking such questions shouldn't be a cause for embarrassment, because after all you're entrusting them with your financial wellbeing. Every Ulverston financial advisor must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. Don't worry if your advisor's name does not appear on the Financial Services Register, as long as the firm is on the register, their employees are covered by the regulations. If these cannot be provided the person may still offer financial guidance instead of financial advice. In financial terms guidance is somewhat different to advice and isn't regulated. Therefore there's no recourse for either party if financial mistakes arise.

Financial Advisor Quotes in Ulverston Cumbria

You'll be asked the amount of risk you are willing and able to take on, if you are seeking advice on investments. Larger rewards might be possible with high risk investments, however you stand a greater chance of losing some or all of your cash. Decent investment and financial advice should take you savings goals into consideration, i.e. long or short term investments, how much you wish to invest and how rapidly you need to access your funds. You should always ask yourself the one vital question, how much can you really afford to lose. This might affect the services and products that could be offered for your consideration, and is generally referred to as your 'capacity for loss'.

Financial Advice Near Ulverston Cumbria

You must let your financial advisor know about any current regular outgoing payments, investments, mortgage loans or personal savings. This will provide a clear and full picture of your current financial circumstances, and without this the advice you get may not be the most appropriate for you. Spreading the risk load across a number of different products by diversifying your savings and investments, is something that sound financial advice should allow for. Having a knowledge of the best areas to consider, an experienced financial advisor will focus attention on products that fit in with your goals and financial circumstances.

Communicating in the clearest way possible, your financial advisor will reveal the multifaceted world of finance and investment. After learning about the various products and services that meet your needs, you should be able to make an informed and considered decision. You could even ask your advisor to only include ethical savings and investments. This will allow you to lend support to firms and businesses that match your concerns, e.g. renewable energy or zero carbon, or perhaps avoiding investments that do not meet your criteria.

It's not that easy to have a close working relationship with a financial advisor in Ulverston without this affecting your work day and other responsibilities. Face-to-face appointments can be backed up with phone calls and video conferencing to enable you to get advice at times that suit you. Even if you rarely have a face-to-face meeting with your personal advisor, an established financial advice company in Ulverston will have stringent measures in place to keep your details confidential and secure, because remote and home working is now a large part of our society.


Investments can be an unpredictable area, and values could go down as easily as they go up. If your investment fails to make as much money as you were hoping for, it can be very demoralising and stressful. Sadly, a downward spiraling of your investment isn't seen as a cause for complaint, unless it's due to wrong or misleading information from your financial advisor.

Independent Financial Advisor Near Ulverston (LA12)

As described in the Key Facts Document, any disputes should commence with the company's complaints procedure. If the advisor is registered with the Financial Conduct Authority, you can let the Financial Ombudsman know about the problem if it is unresolved within the time set out by the regulating authority.

The Financial Ombudsman will independently review the cause of the complaint and make a ruling. If the complaint is found to be justified, a decision will be made on how to financially compensate the client. Once agreed on by the customer, the ruling will become a legally binding one, and the advisor and their firm must abide by it. The Ombudsman will also take into consideration any annoyance, trouble, inconvenience and distress caused to the customer during the situation, and establish the level of compensation accordingly.

Book a Financial Advisor in Ulverston UK

Financial advice can be provided in Ulverston and also in nearby places like: Allithwaite, Marton, Outcast, Penny Bridge, Cark, Dragley Beck, Backbarrow, Flookburgh, Lindal-in-Furness, Haverthwaite, Cartmel, Dalton-in-Furness, Broughton Beck, Rosside, Great Urswick, Swarthmoor, and in these postcodes LA12 7HB, LA12 0EU, LA12 7FH, LA12 7EG, LA12 7DX, LA12 7DQ, LA12 7ET, LA12 7BD, LA12 0ER, LA12 0AF. Locally based Ulverston financial advisers will likely have the postcode LA12 and the phone code 01229.

Fundamental Skills for a Financial Advisor

  • To have excellent IT skills.
  • To have the ability to network and establish relationships with customers.
  • Good skills in verbal communication.
  • To have a goal driven attitude.
  • Excellent management skills for the negotiation of product prices.
  • Active listening and interpersonal skills.
  • Effective customer service skills for identifying customer needs.
  • A competent level of maths knowledge for producing financial plans.
  • To pay attention to detail and be thorough.
  • An excellent knowledge of economics and accounting relating to financial markets and products.
  • To be good at selling services and products.

Cumbria Financial Advice Enquiries

Cumbria Financial Advice Enquiries

Latest Cumbria financial advice enquiries: Phoenix Brewer from Brigham, Cumbria recently enquired about getting financial advice. Benny and Dina Hatton from Shap, Cumbria recently enquired about getting financial advice. Kaelan and Gracie-May Charlton from Moresby, Cumbria recently asked for information on life assurance. Seb and Melisa Mann from Crosby, Cumbria recently asked for information on family income benefit. Eben Craig and Maya Craig from Ireleth recently asked for information on financial planning. Mr and Mrs Islam from Dalston recently enquired about investment advice. Alissa and Georgie O donnell from Levens, Cumbria recently asked for information on pensions. Faye and Olivier Chappell from Gosforth, Cumbria recently enquired about mortgage advice.

Ulverston Financial Advice Services

Financial Advice Tasks Ulverston

There are a wide range of services that are provided by your local Ulverston financial advisor including mortgage services Ulverston, retirement plans Ulverston, annuities Ulverston, ethical investment advice, trustee investment services in Ulverston, income protection, pension advice, ISA's in Ulverston, business financial planning, cash flow modelling Ulverston, pension plans Ulverston, financial analyst services, inheritance tax planning in Ulverston, financial planning in Ulverston, corporate bonds in Ulverston, financial services, pension reviews in Ulverston, unit trusts in Ulverston, mutual funds, long term care fee planning in Ulverston, life assurance advice, cashflow analysis Ulverston, pension drawdowns Ulverston, pension transfer advice, stakeholder pensions, and lots more.


Financial Advisors Near Ulverston

Also find: Backbarrow financial advisors, Lindal-in-Furness financial advisors, Great Urswick financial advisors, Cark financial advisors, Rosside financial advisors, Allithwaite financial advisors, Swarthmoor financial advisors, Cartmel financial advisors, Outcast financial advisors, Marton financial advisors, Dragley Beck financial advisors, Flookburgh financial advisors, Dalton-in-Furness financial advisors, Penny Bridge financial advisors, Haverthwaite financial advisors, Broughton Beck financial advisors and more.

Ulverston Financial Advice Services

Find a Financial Advisor in Ulverston Here
Financial Advice Enquiries in Ulverston Cumbria (01229)
  • Ulverston Tax Advice
  • Ulverston Pension Advice
  • Ulverston Cashflow Analysis
  • Ulverston Financial Services
  • Ulverston Retirement Planning
  • Ulverston Corporate Financial Advice
  • Ulverston Estate Planning
  • Ulverston Life Insurance Advice
  • Ulverston Trustee Investments
  • Ulverston Investment Advice
  • Ulverston Wealth Management
  • Ulverston Financial Advice Quotations
  • Ulverston Financial Advice
  • Ulverston Inheritance Advice

Financial Advisors Around Ulverston: Financial advice has recently been provided in these Ulverston streets - Tarn Side, Brewery Street, Beech Bank, Hill Fall, Kennedy Street, Queens Court, Rydal Road, Hill Foot Garden Centre, Westhills Drive, Town View Road, Beechlands, Oakwood Drive, Sandhall, Alexander Road, Gloucester Square, St. Davids Road, Kent Square, Mayfield Road, Princes Street, Yealand Drive, Belmont, Red Lane, Back Hart Street, Neville Street, Salusbury House, Park Road, Tower Street, Monument Way, Town Bank Road, Fallowfield Avenue, as well as the following Ulverston area postcodes: LA12 7HB, LA12 0EU, LA12 7FH, LA12 7EG, LA12 7DX, LA12 7DQ, LA12 7ET, LA12 7BD, LA12 0ER, LA12 0AF.

More Ulverston Services: Undoubtedly, when you are looking at your finances in Ulverston, Cumbria, you will likely be in need of all types of different services and along with a financial advisor in Ulverston, Cumbria, you could also need accounting in Ulverston, solicitors in Ulverston, estate planning in Ulverston, tax preparation in Ulverston, banruptcy lawyers in Ulverston, wills & probate in Ulverston, business financial planning in Ulverston, business consulting in Ulverston, debt recovery & collection in Ulverston, property law & conveyancing in Ulverston, mortgage advice in Ulverston, mortgage brokers in Ulverston, payroll services in Ulverston, investment advisors in Ulverston, contracts lawyers in Ulverston, bookkeepers in Ulverston, family lawyers in Ulverston, and other different Ulverston experts.

For the latest local info on Ulverston, Cumbria take a look here

Independent financial advisor in LA12 area, telephone code 01229.

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