Financial Advisor Ulverston

Ulverston Independent Financial Advice & Investment

Financial Advisor Ulverston Cumbria (LA12): It can be a challenging experience trying to find a good financial advisor advisor in Ulverston, especially if it's the very first time that you are needing financial advice. Whether it is investments, pension, mortgage or even insurance advice that you are after, there's one common rule for all professional financial advisors; they all have to observe FCA (Financial Conduct Authority) regulations. The advantage of this is that should a financial advisor who is FCA authorised give you poor quality advice, and things go wrong, you have guarantees, and are able to go to the Financial Ombudsman or the Financial Services Compensation Scheme to get it put right.

Free Ulverston Financial Advisor Quotes

A good starting point when picking a financial advisor in Ulverston could be friends and relations, but keep in mind that the type of advice you're looking for could be significantly different to theirs. Any advice they provide needs to be adapted to your specific situation, and not every financial advisor is suitable for everyone. Choosing the right financial advisor is vital and it is wise to speak to at least 3 different firms so as to explore the options they can provide, and to find one that you can trust and feel comfortable with.

Financial Advisor Ulverston Cumbria (LA12)

When you are looking to pick a financial advisor in Ulverston, there are essentially 2 principal types; restricted advisors and independent financial advisors (IFA). The advantage of using an independent financial advisor is that they won't be limited to just one company's services and products, and can offer a broader range of options. 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 will be able to choose from the widest possible range of products, in order to find the perfect solution for your needs. A restricted advisor may be focused on a single product, as with a mortgage advisor, or be limited to products and services from a single provider.

Before taking you on as a client, any Ulverston financial advisor must tell you about their charges, as required 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're interested in. A free initial consultation could be offered, so you can discuss your objectives and circumstances to find out if the advisor is the best fit. If you go with one of the larger Ulverston firms, your account may be handled by a team of advisors rather than just one individual.

Financial Advisors Ulverston UK (01229)

To describe your financial situation and ambitions to the advising company, you'll have to fill out a "Fact Find" document, which is a confidential disclosure form. A Key Facts or Initial Disclosure Document will also be handed to you, to provide details of the financial advisors themselves, detailing the extent of their permissions in the financial market and their situation for offering independent or restricted advice. Your own legal rights will also be set out in this document, together with the options you can take if you want to complain because you aren't happy with the service provided. It should describe exactly what you're committing yourself to, and any possible benefits and risks if you decide to accept the advice offered, and it should be laid out in clear language. This document will also tell you about the level of cooling-off period. This permits you to have a change of heart within a specific number of days, and cancel the contract with your financial advisor.

When speaking with your financial advisor for the first time ensure that you check their qualifications and experience. Asking these questions should not cause you any embarrassment, because you're entrusting them with your financial future. All financial advisors in Ulverston must hold at least a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. When checking the Financial Services Register, you should not freak out if your specific advisor's name does not appear on there; you should be able to find the firm name, and this means that the legislation covers all of their employees. If they are not able to supply these accreditations, the person can't offer advice but is able to offer financial guidance. In terms of finance guidance is different to advice and is not regulated in the same way. Therefore there is no recourse for either party if financial blunders occur.

Financial Advisor Quotes in Ulverston Cumbria

If it's investments that you're interested in, your advisor will need to know the level of risk you might be prepared to take on with your hard-earned money. Most investments carry some degree of risk, but high risk investments may offer better rewards, and also more likelihood of losing your cash. The best investment and financial advice will take you savings objectives into consideration, i.e. how quickly you need to access your funds, short or long term investments and how much you have to invest. You should always ask yourself the one crucial question, how much can you really afford to lose. This is commonly called your capacity for loss and could affect the products and services that may be offered to you.

Financial Advice Near Ulverston Cumbria

You need to tell your financial advisor about any current personal savings, mortgage loans, investments or regular outgoings. They will need to know this, so they can get a clear picture of your financial situation and give the correct advice for you. Sound financial advice should allow for diversifying your investments and savings by spreading the risk load across a number of different products. With an understanding of the best areas to consider, a qualified financial advisor will focus attention on products that fit in with your financial situation and goals.

A financial advisor will reveal the multifaceted world of finance, and try to speak in as plain a speech as possible. After comparing the services and products which match your needs, you should be able to make an informed and intelligent decision. If you are environmentally minded, you could perhaps ask your advisor to stick to ethical savings and investments. This not only gives you investment possibilities, but also enables you to support green energy or zero carbon projects, and steer clear of businesses that do not share the same values as you do.

It's not always easy to have a close working relationship with a financial advisor in Ulverston without this affecting work and other responsibilities. To allow you to seek advice at a time to suit you, face-to-face appointments can be supplemented with phone calls and video conferencing. Working from home and remote working is now commonplace, and an experienced financial advice provider in Ulverston will have rigorous measures in force to keep your details secure and confidential, even if you never have an in-person meeting with your advisor.


You need to remember that the financial world is a volatile sector, and the value of your investments can just as easily fall as well as rise. If it just so happens that your investment fails to make the amount of money you were hoping for, it can be an extremely demoralising and stressful time. A downward spiral in your investment is not a recognised cause for complaint, unless your financial advisor has given you misleading or incorrect information.

Independent Financial Advisor Near Ulverston (LA12)

The firm's complaints procedure should be the kick off point for any disputes, and the Key Facts Document will explain this. If the financial advisor is registered with the FCA, you can inform the Financial Ombudsman of the problem if it is unresolved within the period set by the regulating body.

The Financial Ombudsman will look into the cause of the complaint and make a ruling. A decision is made on how to rectify or financially compensate the client, if the complaint is upheld. On acceptance by the customer, the ruling will become a legally binding one, and the advisor and their firm must abide by it. Any distress, annoyance, inconvenience and trouble caused to the customer during the situation, will be considered when the Ombudsman establishes the level of compensation.

Book a Financial Advisor in Ulverston UK

Financial advice can be provided in Ulverston and also in: Dragley Beck, Outcast, Backbarrow, Swarthmoor, Dalton-in-Furness, Allithwaite, Lindal-in-Furness, Rosside, Penny Bridge, Great Urswick, Marton, Flookburgh, Broughton Beck, Cartmel, Cark, Haverthwaite, together with these postcodes LA12 7BS, LA12 0BT, LA12 7BL, LA12 0UE, LA12 7AT, LA12 7FN, LA12 7DG, LA12 0AN, LA12 7DL, LA12 0EU. Locally based Ulverston financial advisers will probably have the postcode LA12 and the telephone code 01229. Checking this out can guarantee you access locally based financial advisers. Ulverston homeowners can benefit from these and many other related services. Click on the "enquiry" banner or form to get info on financial advisors in your location.

Ulverston Financial Advice Services

Financial Advice Tasks Ulverston

There are a number of different services which can be provided by your local Ulverston financial advisor including portfolio management in Ulverston, investment consolidation advice, financial planning in Ulverston, general financial planning, multi-asset portfolios in Ulverston, tax financial planning, cashflow planning Ulverston, pension reviews, annuities, pension consolidation advice, income protection in Ulverston, personal financial planning, investment bonds, divorce financial planning, ethical investments Ulverston, pension advice in Ulverston, pension planning in Ulverston, annuity purchase Ulverston, corporate bonds, pension transfers, cheap financial advice, trusts Ulverston, personal protection, will writing services in Ulverston, financial analyst services, money planning Ulverston, stakeholder pension advice, mortgage advice in Ulverston, trustee investment services, ISA's in Ulverston, and more. These are just a few of the duties that can be handled by a financial advisor. Ulverston professionals will be delighted to keep you abreast of their entire range of services.

A Financial Advisor's Regular Duties

  • Frequently updating clients about their investments.
  • Meeting sales and performance targets.
  • Speaking with customers regarding their finances and plans.
  • Keeping fully abreast of law changes and new products.
  • Providing counselling, education and consultation regarding finances and investments.
  • Keeping a record of customers and transactions.
  • Working together with colleagues to obtain market information, statistics and trends.
  • Producing financial reports.
  • Researching financial products and explaining them simply and clearly to customers.
  • Collaborating with providers of financial products.

Financial Advisors Near Ulverston

Also find: Lindal-in-Furness financial advisers, Allithwaite financial advisers, Flookburgh financial advisers, Cark financial advisers, Swarthmoor financial advisers, Rosside financial advisers, Broughton Beck financial advisers, Great Urswick financial advisers, Dragley Beck financial advisers, Penny Bridge financial advisers, Haverthwaite financial advisers, Outcast financial advisers, Dalton-in-Furness financial advisers, Backbarrow financial advisers, Cartmel financial advisers, Marton financial advisors and more. Most of these towns and villages are covered by local financial advisers. Ulverston residents can get estimates by clicking here.

Ulverston Financial Advice Services

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Financial Advice Enquiries in Ulverston Cumbria (01229)
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More Ulverston Services: Obviously, when you happen to be looking at your finances in Ulverston, Cumbria, you'll probably need all kinds of different services and as well as a financial advisor in Ulverston, Cumbria, you might also need payroll services in Ulverston, business consulting in Ulverston, business financial planning in Ulverston, will writing in Ulverston, banruptcy lawyers in Ulverston, property law & conveyancing in Ulverston, investment advisors in Ulverston, family lawyers in Ulverston, mortgage brokers in Ulverston, debt recovery & collection in Ulverston, contracts lawyers in Ulverston, mortgage advice in Ulverston, tax preparation in Ulverston, estate planning in Ulverston, accountants in Ulverston, solicitors in Ulverston, bookkeeping in Ulverston, and other different Ulverston experts.

Financial Advisors Around Ulverston: Households in Byron Street, Poplar Grove, Ellerside, Brewery Mount, Stone Cross, Cartmel Drive, Market Street, Well Street, Little Rame Farm, Kent Square, Hampsfell Road, Tamworth Lodge, Low Mansriggs, Star Street, Larch Grove, Market Place, White Hart Yard, Beechlands, Lund Farm, Bailey Street, Daltongate Business Centre, Park Road, Almond Road, West End Lane, Union Close, Monument Way, Quebec Street, East Court, Conishead Road, have needed financial advice just recently. Financial advisors have also been active in these Ulverston area postcodes: LA12 7BS, LA12 0BT, LA12 7BL, LA12 0UE, LA12 7AT, LA12 7FN, LA12 7DG, LA12 0AN, LA12 7DL, LA12 0EU. Folks living in these areas recently needed the help of a financial advisor. Ulverston residents enjoyed dependable and professional financial services.

To find local info regarding Ulverston, Cumbria check here

Independent financial advisor in LA12 area, and dialling code 01229.

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(This financial advisor Ulverston page was revised and updated on 01-09-2022)