Financial Advisor Wigan

Wigan Independent Financial Advice & Investment

Financial Advisor Wigan Greater Manchester (WN1): Finding a reliable independent financial advisor in the Wigan area can be a daunting experience, particularly if you're needing financial advice for the very first time. Whether it's investment, mortgage, pension or even insurance guidance that you're looking for, there's one common rule for all financial advisors; they must all comply with Financial Conduct Authority regulations. Any advice given by a FCA authorised financial advisor in Wigan comes with the guarantee that should anything go wrong, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman.

Free Wigan Financial Advisor Quotes

When choosing a financial advisor in Wigan, a good place to start could be family and friends, however you must remember that your situation may not be the same as theirs, and you may need a different sort of advice. Not every financial advisor is suitable for everybody, and any advice they provide should be tailored to your specific situation. To explore the various options that they can provide and find a financial advisor you can trust and feel comfortable with, it is a good idea to speak to at least three different companies, because after all picking a financial advisor is a big decision.

Financial Advisor Wigan Greater Manchester (WN1)

When you are looking to pick a financial advisor in Wigan, there are two main types; restricted advisors and independent financial advisors (IFA). The advantage of seeing an independent financial advisor is that they will not be restricted to the services and products of just one company, and can offer a more extensive range of options. Encompassing the entire spectrum of financial products and companies, independent financial advice should be offered in a frank and unbiased way to clientele. This will enable you to pick from the broadest range of services to meet your needs. A restricted financial advisor could be involved with an individual product, such as a mortgage advisor, or be restricted to products and services from a specific company.

Before any Wigan financial advisor accepts you as a client, they're required by the Financial Conduct Authority to be fully transparent with you about their charges. Dependant upon the type of service you are interested in, you could be charged a set fee, by the hour or even a slice of your investment value. A free preliminary consultation will sometimes be offered, so you can discuss your objectives and circumstances to see if the advisor is the right choice. Your account might be managed by a team rather than a single advisor, if you opt to go to one of the bigger Wigan companies.

Financial Advisors Wigan UK (01942)

You will be required to fill out a "Fact Find" form, which is a confidential disclosure document relating your targets and financial situation to the advising company. To provide information about the financial advisor, their situation for offering restricted or independent advice and the extent of their permissions in the financial sector, you will also be given an Initial Disclosure Document, or Key Facts Document. Your legal rights will also be laid out in this document, in addition to the options you can take if you need to submit a complaint because you're not satisfied with the service you're given. It has to be typed out in plain language and describe what you're committing yourself to, and any potential risks and benefits that exist should you decide to take the advice offered. You'll find the amount of cooling-off period in this document. This makes it possible for you to have a change of heart within a certain number of days, and cancel your contract with the financial advisor.

You should check what experience and qualifications the financial advisor has when you first speak to them. Asking these questions should never cause you any embarrassment, because after all you are about to entrust them with your long-term financial wellbeing. Every Wigan financial advisor must be in a position to present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. If the advisor's name does not show up on the Financial Services Register, you shouldn't freak out, the firm the person works for should be found on the register and their personnel will be covered by the regulations. If they are unable to present this proof, the person can't offer advice but is allowed to offer financial guidance. In terms of finance guidance is different to advice and isn't regulated in the same way. Therefore there is no recourse for the client if financial blunders occur.

Financial Advisor Quotes in Wigan Greater Manchester

If you are seeking advice on investing money you will be asked the level of risk you're ready and able to take on. Many investments carry some degree of risk, but high risk investments may offer higher rewards, but also more likelihood of losing your money. The best financial and investment advice should take into account your savings aims, i.e. short or long term investments, how much money you want to invest and how quickly you need access to your funds. "How much can you actually afford to lose?" Is the one crucial question that you should really be asking yourself. This could influence the services and products that could be offered for your consideration, and is called your 'capacity for loss'.

Financial Advice Near Wigan Greater Manchester

If you've already got any current savings, mortgages, regular payments or investments, you need to let your financial advisor know about these. This should give a clear and full picture of your financial situation, and without this the advice you get will most likely not be the most appropriate for you. Spreading the risk load across a range of different products by diversifying your investments and savings, is something that reliable financial advice should allow for. With a knowledge of the best areas to consider, a competent financial advisor will favour products that most closely match your goals and financial situation.

A financial advisor will unveil the multifaceted world of finance, and speak in as plain a speech as possible. You should be able to make an informed decision once you have compared the various products and services which meet your needs. If environmental issues are important to you, you could maybe ask that ethical investment and savings schemes take top priority. You will then be able to steer clear of firms that businesses meet your requirements, but instead lend your support to those companies and organisations that match your concerns, for example green energy or zero carbon.

It may prove hard to manage your work life and other responsibilities around working closely with your financial advisor in Wigan. To allow you to get advice at times that suit you, one-on-one meetings can be complemented with video conferencing and telephone. Even if you hardly ever have a one-to-one meeting with your personal advisor, a competent financial advice company in Wigan will have rigorous measures in force to ensure your details are kept secure and confidential, because working from home and remote working is now commonplace.


The value of your investments could go down as well as up, and this is a factor that you must always keep in mind. If your investment is not making the amount of money you hoped for, it can be quite stressful and frustrating. However, except if it's because of misleading or wrong information from your advisor your investment having a downward trend is not a recognised grounds for complaint.

Independent Financial Advisor Near Wigan (WN1)

Any grievances should begin with the company's complaints procedure as laid out in the Key Facts Document. If the problem remains unsolved within the time-frame laid down by the regulating body, and the financial advisor is a member of the FCA, you can advise the Financial Ombudsman.

The Financial Ombudsman will make a ruling after independently reviewing the cause of the complaint. If it is established that the complaint is justified, a decision will be made on how the client can be financially compensated. The financial advisor and their firm must comply with any decision that's made by the Ombudsman, which becomes a legally binding decision as soon as the client has accepted it. Any compensation fixed by the Ombudsman will also account for any inconvenience, annoyance, trouble and distress caused to the client during the situation.

Book a Financial Advisor in Wigan UK

Financial advice can be provided in Wigan and also in: Marus Bridge, Poolstock, Lower Standish, Marylebone, Newtown, Ince-in-Makerfield, Spring View, New Springs, Goose Green, Standish, Hindley, Shevington, Haigh, Pemberton, Aspull, Whelley, and in these postcodes WN1 1FL, WN1 1AZ, WN1 1EX, WN1 1JF, WN1 2BW, WN1 1HU, WN1 1DU, WN1 2AD, WN1 1EY, WN1 1DE. Locally based Wigan financial advisers will probably have the telephone dialling code 01942 and the postcode WN1. Checking this should guarantee you access locally based financial advisers. Wigan householders are able to utilise these and many other similar services. Click the "enquiry" form or banner to get info on financial advisors in your location.

Financial Advice Enquiries Greater Manchester

Greater Manchester Financial Advice Enquiries

Recently posted Greater Manchester financial advice enquiries: Alexis Yates from Uppermill recently enquired about investment advice. Elias and Millie Isherwood from Timperley recently enquired about mortgage advice. Mayson Howard and Tahlia Howard from Milnrow recently asked for information on offshore investments. Eva-Rose Clark and Edison Clark from Norden recently asked for information on offshore investments. Mr and Mrs Burt from Milnrow, Greater Manchester recently enquired about financial planning. Kade and Lily-Mai Brookfield from Norden recently asked for information on investment bonds. Lacey-Mae Rothwell from Higher Folds recently asked for information on investment bonds. Haydn Featherstone from Littleborough, Greater Manchester recently enquired about getting financial advice. These local people conducted a search for "Garden Fencing Greater Manchester" and found this page on either Google, Bing or Yahoo.

Greater Manchester Financial Advisors

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Around Greater Manchester you will also discover: Little Hulton financial advice, Newton investment advice, Rhodes investment advice, Springhead financial advice, Orrell financial advisors, Chew Moor financial advisors, Aspull investment advisors, Standish financial advice, Lees financial advisors, Dobcross financial advisors, Cheadle investment advice, Simister investment advisors, Blackrod financial advice, Norden investment advice, Norden financial advice, Delph financial advisors, Delph financial advice, Pendlebury financial advice, Abram investment advice, Winstanley investment advisors, Guide Bridge investment advice, Platt Bridge investment advice, Hattersley investment advice, Summit investment advisors, Uppermill investment advice, Dukinfield financial advisors, Abram investment advisors, Tottington financial advice.

Wigan Financial Advice Services

Financial Advice Tasks Wigan

There is a variety of services that can be provided by your local Wigan financial advisor including pension consolidation advice, life assurance advice, business planning Wigan, savings advice, portfolio management in Wigan, divorce financial planning, personal pensions, pension transfer advice, business protection Wigan, personal protection Wigan, investment bonds, cashflow analysis, annuity purchases, long term care fee advice Wigan, financial advice services, inheritance tax planning in Wigan, pensions in divorce Wigan, familt controlled trusts, pension advice, bereavement benefit advice in Wigan, mortgage financial planning, financial analyst services, tax advice Wigan, cheap financial advice, money planning, personal financial planning, ethical investment advice, independent financial advice, general financial planning, unit trusts Wigan, and lots more. These are just a handful of the activities that can be undertaken by a financial advisor. Wigan professionals will be delighted to keep you abreast of their full range of services.

A Financial Advisor's Daily Duties

  • Keeping detailed records of customers and transactions.
  • Working together with colleagues to obtain statistics, trends and market information.
  • Researching financial products and explaining them simply and clearly to customers.
  • Negotiating with providers of financial products.
  • Meeting targets for performance and sales.
  • Speaking with customers about their finances and plans.
  • Producing in-depth financial reports.
  • Providing education, consultation and counselling regarding finances and investments.
  • Keeping abreast of new financial products and regulation changes.
  • Updating customers about their investments.

Financial Advisors Near Wigan

Also find: Haigh financial advisers, Lower Standish financial advisers, Whelley financial advisers, Spring View financial advisers, Pemberton financial advisers, Poolstock financial advisers, Newtown financial advisers, New Springs financial advisers, Aspull financial advisers, Hindley financial advisers, Standish financial advisers, Ince-in-Makerfield financial advisers, Shevington financial advisers, Marylebone financial advisers, Goose Green financial advisers, Marus Bridge financial advisors and more. All of these places are serviced by local financial advisers. Wigan residents can get quotes by clicking here.

Wigan Financial Advice Services

Find a Financial Advisor in Wigan Here
Financial Advice Enquiries in Wigan Greater Manchester (01942)
  • Wigan Estate Planning
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  • Wigan Investment Advice
  • Wigan Tax Advice
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  • Wigan Cheap Financial Advice
  • Wigan Trustee Investments
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  • Wigan Pension Advice
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Financial Advisors Around Wigan: In Athol Crescent, Cawdor Street, Delphside Close, Sherwood Avenue, Caernarvon Road, Smallshaw Close, Bold Street, St James Road, Smithy Brow, Sefton Fold Drive, Dryden Close, Thirlmere Road, Shakespeare Grove, Castleton Way, Dicconson Terrace, Solway Close, Alder Avenue, Airton Place, Scholes, Dixon Street, Amberley Close, Toddington Lane, Dovedale Crescent, Bassett Grove, Back Lane, School Way, Clifton Road, Claremont Avenue, Alderton Drive, Brindley Street, as well as these local Wigan postcodes: WN1 1FL, WN1 1AZ, WN1 1EX, WN1 1JF, WN1 2BW, WN1 1HU, WN1 1DU, WN1 2AD, WN1 1EY, WN1 1DE, folks have just recently needed financial advice. Folks living in these local areas recently needed help from a financial advisor. Wigan residents benefited from dependable and top notch financial services in all cases.

To find local info relating to Wigan, Greater Manchester go here

Independent financial advisor in WN1 area, phone code 01942.

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(This financial advisor Wigan page was checked and updated on 06-05-2022)