Financial Advisers Radcliffe Greater Manchester: Finding a reliable financial adviser adviser in Radcliffe can be an intimidating experience, in particular if you are needing financial advice for the first time. Nevertheless, all qualified financial advisers are bound by one common rule; they must all conform to the regulations laid down by the Financial Conduct Authority (FCA), regardless of whether you're searching for investment, pension, mortgage or even insurance advice. This comes with certain guarantees, so after getting advice from a FCA approved financial adviser in Radcliffe, you can seek reparation from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if anything goes awry.
A decent starting point in choosing a financial adviser in Radcliffe can be friends and neighbours, but keep in mind that the kind of advice you are searching for could be different to theirs. Their advice needs to be personalised to your specific circumstances, and not every financial adviser is suitable for everybody. It is a good idea to talk with at least 3 different firms when you are selecting a financial adviser, since 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.
When you are looking to pick a financial adviser in Radcliffe, there are 2 main types; restricted advisers and independent financial advisers (IFA). Offering a wide range of options, an independent financial adviser will not be confined to a single provider's services and products. Independent financial advice should be provided in an impartial and unbiased way and should cover the entire spectrum of financial products and companies. If you decide to use an IFA, you will be able to select from the broadest possible array of products, in order to find the right solution for your needs. If you go to a restricted financial adviser you will discover that they may be restricted to products and services of a particular company, or as with a mortgage adviser, may only be focused on one solitary product.
Before any financial adviser in Radcliffe accepts you as a client, they are required by the Financial Conduct Authority to discuss their charges with you. Subject to the type of service you are looking for, you could be charged a set fee, by the hour or maybe even a specific percentage of your investment. To discuss your aims and determine whether the adviser is a right fit for your circumstances, a free preliminary consultation might be offered. In some of the bigger Radcliffe firms, you could find that your account is looked after by a team rather than an individual adviser.
Before any actual financial advice is handed out you'll need to complete a confidential disclosure form, called a "Fact Find" document, which tells the advising firm about your aims and financial situation. To provide details of the financial adviser, their status to offer independent or restricted advice and their scope of permissions in the financial arena, you will also be handed a Key Facts or Initial Disclosure Document. This document should also make clear your legal rights and the possible options you can take if you are not satisfied with the service provided, and would like to complain. It must be easy to understand, written in plain English, and explain exactly what you are committing yourself to, along with the risks and benefits of going along with the advice. You will find the level of cooling-off period in the Key Facts Document. This makes it possible for you to change your mind within a specific period of time, and cancel your contract with the financial adviser.
When chatting with your financial adviser the very first time you'll want to check their qualifications and experience. After all you are on the verge of entrusting your financial future to their expertise, so you should never be embarrassed about asking such questions. A Level 4 qualification is the minimum qualification for any financial adviser in Radcliffe, and they also have to be able to present an annual Statement of Professional Standing. You shouldn't freak out if your adviser's name does not appear on the Financial Services Register, so long as the firm is on the register, their advisers will be covered by the legislation. The individual may still offer financial guidance as opposed to advice, if these cannot be presented. Guidance is not subject to regulations in the same way as financial advice, which means that if errors arise neither party will have any recourse.
If it is investments that you are interested in, the adviser will want to know the level of risk you might be prepared to accept with your hard-earned money. High risk investments may potentially offer better rewards, however all or some of your cash could be lost. Your savings goals should be considered if good investment and financial advice is to be given, i.e. how much you have to invest, long or short term investments and how quickly you need access to your funds. You should invariably ask yourself the one vital question, how much can you really afford to lose. This is generally known as your capacity for loss and could influence the products and services that could be offered for your consideration.
You'll want to tell your financial adviser about your existing investments, regular payments, mortgages or savings accounts. They will need to know this, so that they can get a clear picture of your financial circumstances and give the appropriate advice for you. Good financial advice should include diversifying your investments and savings by spreading the risk load across a number of different products. A professional financial adviser in Radcliffe will be aware of the best areas to consider, which match your financial situation and your goals.
Your financial adviser will attempt to communicate in as much plain speech as possible, to open up the multifaceted world of finance. This will help you to compare services and products which match your needs, and make an informed decision. If the environment is at the forefront of your mind, you could ask that ethical investments and savings take top priority. This allows you to give your support to firms and organisations that match your concerns, e.g. zero carbon or renewable energy, or perhaps keeping away from firms that do not meet your criteria.
It could prove tricky to manage work and other obligations around working closely with your financial adviser in Radcliffe. To allow you to seek advice at times that suit you, one-on-one appointments can be augmented with video conferencing and telephone. Remote and home working is now commonplace, and a competent financial advice provider in Radcliffe will have stringent measures in force to ensure your details are kept confidential and secure, even if you hardly ever have a one-to-one meeting with your personal adviser.
COMPLAINTS
Investments can easily go down as well as up, since the financial sector can be volatile. If it happens that your investment fails to make as much money as you hoped for, it can be a very stressful and demoralising time. A downward spiraling of your investment is not seen as a cause for complaint, unless your financial adviser has supplied you with incorrect or misleading information.
As indicated in the Key Facts Document, any disputes should start with the company's official complaints procedure. If your financial adviser is registered with the FCA, you can inform the Financial Ombudsman of the problem if it is unsolved within the time-frame set by the regulating body.
The Financial Ombudsman will independently review the cause for complaint and make a ruling. If the complaint is justified, a decision is made on how to rectify or financially compensate the customer. The financial adviser and their firm must abide by any ruling that is made, which becomes a legally binding decision as soon as the client has agreed to it. Any inconvenience, trouble, distress and upset caused to the customer during the situation, will be taken into account when the Ombudsman sets the level of compensation.
Financial advice can be provided in Radcliffe and also nearby in: Clifton, Newtown, Unsworth, Gigg, Moses Gate, Ainsworth, Starling, Darcy Lever, Little Lever, Whitefield, Hollins, Bury, Bradley Fold, Blackford Bridge, Blackbridge, Prestolee, and in these postcodes M26 1DQ, M26 1HB, BL2 6PT, M26 1EY, M26 1DN, M26 1AB, M26 1AD, BL2 6RX, BL2 5QT, BL2. Locally based Radcliffe financial advisers will probably have the postcode M26 and the dialling code 0161. Checking this will guarantee you are accessing locally based financial advisers. Radcliffe property owners will be able to benefit from these and lots of other comparable services.
Radcliffe Financial Advice Services
There are a wide range of services that are provided by your local Radcliffe financial advisor including corporate financial planning in Radcliffe, annuity purchase, personal financial planning Radcliffe, life insurance advice, bridging finance, equity release, general financial planning, personal pensions Radcliffe, pension reviews, saving for children Radcliffe, inheritance tax planning, investment bonds, investment consolidation advice, cheap financial advice, pension planning, financial advice services, cash flow modelling, will writing services, pension drawdowns Radcliffe, financial planning, pension transfer advice Radcliffe, trusts in Radcliffe, trustee investment services, money planning, wealth management & investments in Radcliffe, annuities, stakeholder pension advice, life assurance advice, investing an inheritance, pensions in divorce Radcliffe, and lots more. These are just a small portion of the tasks that can be conducted by local financial advisers. Radcliffe professionals will be happy to inform you of their full range of services.
Financial Advisers Near Radcliffe
Also find: Bradley Fold financial advisers, Darcy Lever financial advisers, Bury financial advisers, Clifton financial advisers, Little Lever financial advisers, Hollins financial advisers, Blackbridge financial advisers, Blackford Bridge financial advisers, Unsworth financial advisers, Whitefield financial advisers, Newtown financial advisers, Ainsworth financial advisers, Moses Gate financial advisers, Prestolee financial advisers, Starling financial advisers, Gigg financial advisers and more. All these places are serviced by local financial advisers. Radcliffe residents can get estimates by clicking here.
Radcliffe Financial Advice Services
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Financial Advisors Around Radcliffe: In the previous year financial advice was provided in the following Radcliffe streets: Newhall Avenue, Abbey Close, Saville Road, Newquay Avenue, Trencherbone, Cockey Moor Road, Kirkstall Gardens, Greenside, Bury New Road, Red Bank Road, Rosebank Close, St Andrew's Street, Wardle Close, Saltram Close, Ainsworth Road, Lichfield Road, Kenilworth Close, Moss Close, Kingsbridge Avenue, Starling Road, Hardwick Close, Street Lane, Aldford Grove, Newark Avenue, Sherwood Avenue, Bamburgh Close, Waltham Gardens, and in these Greater Manchester postcodes: M26 1DQ, M26 1HB, BL2 6PT, M26 1EY, M26 1DN, M26 1AB, M26 1AD, BL2 6RX, BL2 5QT, BL2. Folks in these areas recently requested help from a financial adviser. Radcliffe residents enjoyed reliable and top quality financial services on each occasion.
Financial Adviser Radcliffe
Independent Financial Adviser Near Radcliffe
Financial Advisers RadcliffeMore Greater Manchester Financial Advisers: More Greater Manchester financial advisers: Hindley, Atherton, Denton, Middleton, Ashton-under-Lyne, Rochdale, Wigan, Sale, Dukinfield, Irlam, Radcliffe, Horwich, Bolton, Gatley, Eccles, Droylsden, Golborne, Leigh, Bury, Walkden, Manchester, Stockport, Westhoughton, Stalybridge, Altrincham, Oldham, Chadderton, Urmston, Cheadle Hulme, Swinton, Salford, Heywood, Royton, Ashton-in-Makerfield, Farnworth, Romiley, Hyde, Whitefield and Stretford.
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Independent financial advisers in M26 area, (dialling code 0161).
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