Financial Advisers Westhoughton

Financial Advisers Westhoughton Greater Manchester: It can be a daunting experience trying to find a decent independent financial adviser in the Westhoughton area, particularly if it's the first time that you're in search of financial advice. Whether you are searching for pension, investments, mortgage or even insurance guidance, all professional financial advisers are bound by one common rule; they all have to stick to the regulations laid down by the FCA (Financial Conduct Authority). This comes with certain guarantees, thus after getting advice from a FCA registered financial adviser in Westhoughton, you can seek recompense from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if anything goes wrong.

A good starting point in choosing a financial adviser in Westhoughton may be friends and relations, but bear in mind that the type of advice you are searching for may be somewhat different to theirs. Financial advice needs to be individually tailored to your unique circumstances, and you'll discover that some financial advisers may not be appropriate for your requirements. Picking a financial adviser is an important decision and it is a good idea to chat to at least 3 different companies in order to investigate the options they can provide, and to find one that you feel comfortable with and can trust.

There are two main kinds of financial adviser in Westhoughton; restricted advisers and independent financial advisers (IFA). The advantage of using an independent financial adviser is that they won't be confined to the products or services of a single provider, and can offer a wide range of options. Covering the entire spectrum of financial companies and products, independent financial advice must be offered in an unbiased and impartial way to clientele. Consulting an independent financial adviser should allow you to choose between the widest possible array of services. A restricted financial adviser may be involved with an individual product, as with a mortgage adviser, or be limited to services and products from one particular company.

Before taking you on as a client, any financial adviser in Westhoughton must discuss their charges with you, as set out by the Financial Conduct Authority. You could be charged by the hour, a set fee or perhaps even a specific percentage of your investment, based upon product you are interested in. A free preliminary consultation may be offered, so you can discuss your goals and situation to determine whether the adviser is the right fit. In some of the bigger Westhoughton companies, you could find that your account is being managed by a team as opposed to an individual adviser.

Before any advice is handed out you'll need to fill out a confidential disclosure form, called a "Fact Find" document, which tells the advising company about your desired goals and financial situation. To provide details of the financial adviser, their situation for offering independent or restricted advice and their scope of permissions in the financial arena, you'll also be handed an Initial Disclosure, or Key Facts Document. This document should also lay down your own legal rights and the options you can take if you aren't satisfied with the service provided, and need to submit a complaint. It should be easy to understand, written in plain language, and explain exactly what you're committing yourself to, together with the risks and benefits of going along with the advice. The Key Facts Document must also inform you of the level of cooling-off period. Within a certain time period, this permits you to cancel the contract with your financial adviser.

The first time you're talking to the financial adviser you'll want to check what experience and qualifications they've got. You should never be embarrassed about asking these questions, after all you're just about to entrust your long-term financial wellbeing to their skill. Every financial adviser in Westhoughton must be in a position to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. If your adviser's name does not show up on the Financial Services Register, you don't need to freak out, the firm the person works for will almost certainly be on the register and their staff will be covered by the regulations. The person can still offer financial guidance instead of advice, if these can't be provided. Guidance differs to advice as it isn't regulated, and if financial mistakes are made there may be no recourse to either party.

If you're looking for advice on investing money you will be asked the amount of risk you're comfortable with. Many investments carry some degree of risk, but high risk investments could offer higher rewards, but also more likelihood of losing some or all of your funds. Good quality financial and investment advice will take into account your savings objectives, i.e. short or long term investments, how much you have to invest and how quickly you need to access your funds. You must always ask yourself the one crucial question, how much can you actually afford to lose. Sometimes referred to as your capacity for loss, this will most likely have an effect on products and services that you're offered.

Right from the start, it's imperative that you tell your financial adviser about any regular payments, savings, mortgages or investments that you currently have. To make certain that you receive the most suitable advice for you, they need to gather a clear and full picture of your financial situation. Spreading the risk load across a range of different products by diversifying your investments and savings, is something that reliable financial advice should embrace. So as to reflect your financial circumstances and goals, a competent financial adviser in Westhoughton will understand the best products to consider.

A financial adviser will throw open the complex world of finance, and communicate in the clearest possible way. This will allow you to compare products and services which match your needs, and come to an informed decision. You could even ask your financial adviser only to specify ethical savings and investment schemes. This doesn't just give you investment opportunities, but also allows you to lend your support to renewable energy or zero carbon projects, and avoid businesses and companies that do not share the same values.

It is not that easy to have a close working relationship with a financial adviser in Westhoughton without this impacting on work and other commitments. To allow you to seek advice at times that suit you, one-on-one appointments can be complemented with video conferencing and telephone. An experienced financial advice provider in Westhoughton will have stringent measures in force to ensure your details are kept secure and confidential, even if you never have a one-on-one meeting with your personal adviser, because remote and home working is now so common.

COMPLAINTS

Investments can go down as well as up, as the financial sector can be unpredictable. It can be quite disheartening and stressful if your investment isn't making as much money as you hoped for. However, except if it's due to wrong or misleading information from your financial adviser, a downward trend in your investment is not seen as a cause for complaint.

As indicated in the Key Facts Document, any complaints should commence with the company's complaints procedure. If your adviser is registered with the Financial Conduct Authority, you can inform the Financial Ombudsman of the matter if it is unsolved within the timeframe set by the regulating body.

After reviewing the cause for complaint, the Financial Ombudsman will make a ruling on the issue. A decision will be made on how to financially compensate the customer, if the complaint is justified. This will become legally binding once it has been agreed on by the client, and the financial adviser and their company must comply with the ruling. Any compensation laid down by the Financial Ombudsman will also account for any inconvenience, trouble, upset and distress caused to the client during the dispute.

Financial advice can be provided in Westhoughton and also nearby in: Dobb Brow, Chequerbent, Hindley, Aspull, Hindley Green, Chew Moor, Hart Common, Daisy Hill, Lostock, Cooper Turning, Pennington Green, Over Hulton, Dob Brow, Bolton, Wingates, as well as in these postcodes BL5 2PB, BL5 2NT, BL5 2JN, BL5 2HS, BL5 2GW, BL5 2DF, BL5 2QA, BL5 2PD, BL5 2PL, BL5 2EJ. Local Westhoughton financial advisers will likely have the telephone dialling code 01942 and the postcode BL5. Checking this out should make certain that you're accessing local financial advisers. Westhoughton householders will be able to benefit from these and numerous other finance related services.

Westhoughton Financial Advice Services

There are a wide range of services that can be provided by your local Westhoughton financial advisor including personal protection, pension planning, ethical investment advice in Westhoughton, inheritance tax planning, business financial planning in Westhoughton, cash flow modelling Westhoughton, pensions in divorce, retirement plans in Westhoughton, trustee investment services, unit trusts, financial analyst services, general financial planning, family income benefit, financial planning Westhoughton, annuity purchase in Westhoughton, bridging finance, corporate financial planning, mortgage services, wealth management, personal financial planning in Westhoughton, familt controlled trusts Westhoughton, income protection advice, pension reviews, mutual funds, critical illness cover Westhoughton, life assurance advice, stakeholder pension advice, independent financial advice in Westhoughton, financial advice services Westhoughton, cashflow planning Westhoughton, and lots more. Listed are just a handful of the activities that can be performed by local financial advisers. Westhoughton professionals will be happy to tell you about their full range of financial services.

Financial Advice Enquiries Greater Manchester

Recent Greater Manchester financial advice enquiries: Donnie and Alexa Moorhouse in Wardle recently enquired about financial planning. Beau Farr from Aspull, Greater Manchester recently asked for information on investment bonds. Mr and Mrs Biggs in Bickershaw, Greater Manchester recently enquired about equity release. Amina Chatterton and Jack Chatterton in Offerton Park, Greater Manchester recently asked for information on offshore investments. Ebony Curran in Offerton Park, Greater Manchester recently asked about getting financial advice. Stephen Reed and Syeda Reed from Hollinwood, Greater Manchester recently asked for information on pensions. Izabella Humphries and Simeon Humphries in Milnrow, Greater Manchester recently asked about financial planning. Mr and Mrs Salter from Cheadle Hulme, Greater Manchester recently asked for information on mortgages. Most of these local people searched for "financial advisers Greater Manchester" and found this web page on either Yahoo, Google or Bing.

A Financial Advisor's Day to Day Duties

• Financial advisors collaborate with financial product providers.
• Financial advisors work in collaboration with their peers to obtain market information, statistics and trends.
• Financial advisors meet performance and sales targets.
• Financial advisors talk with clients regarding their finances and plans.
• Financial advisors continually update clients about their investments.
• Financial advisors provide counselling, education and consultation with regards to finances and investments.
• Financial advisors keep abreast of new products and legislation changes.
• Financial advisors produce comprehensive financial reports.
• Financial advisors research financial products and explain them simply and clearly to their customers.
• Financial advisors keep a record of potential transactions and clients.

Financial Advisers Near Westhoughton

Also find: Lostock financial advisers, Bolton financial advisers, Hart Common financial advisers, Wingates financial advisers, Chequerbent financial advisers, Aspull financial advisers, Dobb Brow financial advisers, Chew Moor financial advisers, Pennington Green financial advisers, Hindley financial advisers, Cooper Turning financial advisers, Dob Brow financial advisers, Over Hulton financial advisers, Hindley Green financial advisers, Daisy Hill financial advisers and more. The majority of these places are serviced by local financial advisers. Westhoughton residents can get financial advice quotations by going here.

Westhoughton Financial Advice Services

Find Financial Advisers in Westhoughton Here

• Westhoughton Estate Planning
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Financial Advisors Around Westhoughton: In the last year financial advice was provided in these Westhoughton streets: Alexandria Drive, Lower Drake Fold, Fulmar Close, Victoria Street, Park Edge, Glazebury Drive, Captain Lees Road, Bramble Croft, Bentworth Close, Punch Lane, Great Bank Road, Oldfield Close, Spindle Walk, Water's Nook Road, Green Meadows, Bank Side, Green Acre, Wellington Street, Eatock Way, Winterton Close, Stanley Close, St George's Avenue, Croft Street, Code Lane, Wesley Close, Brook Street, Wardham Close, Holden Lea, Chapelstead, Gellert Road, and in these Greater Manchester postcodes: BL5 2PB, BL5 2NT, BL5 2JN, BL5 2HS, BL5 2GW, BL5 2DF, BL5 2QA, BL5 2PD, BL5 2PL, BL5 2EJ. Folks in these local areas recently required help from a financial adviser. Westhoughton residents enjoyed reliable and professional financial services.

More Westhoughton Services: Undoubtedly, whenever you are looking at your finances in Westhoughton, Greater Manchester, you will likely be in need of all sorts of different services and apart from a financial adviser in Westhoughton, Greater Manchester, you could additionally need contracts lawyers in Westhoughton, property law & conveyancing in Westhoughton, bookkeepers in Westhoughton, mortgage brokers in Westhoughton, payroll services in Westhoughton, will writing in Westhoughton, investment advisors in Westhoughton, accountants in Westhoughton, business consulting in Westhoughton, family lawyers in Westhoughton, tax preparation in Westhoughton, estate planning in Westhoughton, solicitors in Westhoughton, mortgage advice in Westhoughton, debt recovery & collection in Westhoughton, business financial planning in Westhoughton, banruptcy lawyers in Westhoughton, and other different Westhoughton experts.

For the best local information about Westhoughton, Greater Manchester look here

More Greater Manchester Financial Advisers: More Greater Manchester financial advisers: Denton, Manchester, Farnworth, Royton, Irlam, Dukinfield, Rochdale, Atherton, Stretford, Stockport, Eccles, Oldham, Altrincham, Ashton-under-Lyne, Ashton-in-Makerfield, Bury, Hyde, Golborne, Walkden, Gatley, Bolton, Droylsden, Middleton, Stalybridge, Romiley, Sale, Urmston, Heywood, Horwich, Westhoughton, Leigh, Hindley, Swinton, Cheadle Hulme, Salford, Wigan, Whitefield, Radcliffe and Chadderton.

Independent financial advisers in BL5 area, telephone code 01942.

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