Financial Advisor Bolton

Financial Advisor Bolton Greater Manchester (BL1): If you are seeking financial advice for the very first time, trying to find a decent financial advisor advisor in Bolton can be an intimidating experience. However, all financial advisors are bound by one common rule; they must all follow the regulations of the Financial Conduct Authority (FCA), whether you're looking for pension, mortgage, investment or even insurance advice. Any advice given through a FCA approved financial advisor in Bolton comes with guarantees that if anything should go awry, you can contact the Financial Ombudsman or the Financial Services Compensation Scheme.

A good starting place when choosing a financial advisor in Bolton may be relatives and friends, but remember that the sort of advice you are looking for may be somewhat different to theirs. Financial advice needs to be individually tailored to your unique situation, and you will find that certain financial advisors might not be appropriate for you. It pays to speak with at least 3 different companies when you're choosing a financial advisor, since this is a major decision, and you need to find one that you can trust and feel at ease with, and also explore the options they offer.

When it comes to picking a financial advisor in Bolton, there are 2 main types; restricted advisors and independent financial advisors. An IFA won't be restricted to the products and services of a single provider. Independent financial advice must cover the entire gamut of financial companies and products, and should be given in an unbiased way. If you opt to use an IFA, you'll be able to select from the widest possible array of products, so as to find the ideal solution for you. If you go to a restricted advisor you will soon realise that they might be restricted to products and services of one particular firm, or as in the case of a mortgage advisor, may only be concerned with one solitary product.

Before any financial advisor accepts you as a client, they're required by the FCA to be fully transparent with you about their charges. You may be charged a set fee, by the hour or even a specific percentage of your investment value, depending on type of product you are looking for. To allow you to discuss your objectives and determine whether the advisor is a good fit for you and your situation, you may be offered the possibility of a free first consultation. Your account may be looked after by a team rather than one individual advisor, if you elect to go to one of the larger Bolton companies.

To describe your financial situation and desired goals to the advising firm, you will be required to fill in a "Fact Find" form, which is a confidential disclosure document. You will also be handed an Initial Disclosure Document, or Key Facts Document, which gives you information about the financial advisor, their situation for offering restricted or independent advice and the scope of their permissions in the financial sector. Your own rights should also be laid out in this document, along with the options you can take if you want to submit a complaint because you are not happy with the service provided. It should outline exactly what you're signing up for, and any possible benefits and risks that exist if you opt to take the advice offered, and it has to be laid out in plain English. The level of cooling-off period should also be explained in this document. This makes it possible for you to cancel your agreement within a specific time period, and whenever any penalties are incurred.

When speaking with the financial advisor for the first time ensure that you check their experience and qualifications. Asking such questions should never cause you any embarrassment, because after all you're entrusting them with your long-term financial wellbeing. A Level 4 qualification is the minimum required qualification for any Bolton financial advisor, and they must also be in a position to show an annual Statement of Professional Standing. If the advisor's name does not appear on the Financial Services Register, you should not freak out, the firm the advisor works for will almost certainly be on the register and their staff will be covered by the regulations. The individual may still offer financial guidance rather than advice, if these can't be presented. Guidance is not regulated in the same way as financial advice, which means that if mistakes occur neither party will have any recourse.

If you're looking for advice on investing money you'll be asked the amount of risk you're comfortable with. Higher risk investments could potentially offer higher rewards, but some or all of your funds could be lost. In order to get the best financial and investment advice, your savings goals will need to be given careful consideration, i.e. how quickly you need to access your money, short or long term investments and how much you have to invest. You should always ask yourself the one important question, how much money can you actually afford to lose. Sometimes referred to as your 'capacity for loss', this will quite likely have an effect on products and services that you're offered.

If you already have any current regular outgoings, mortgage loans, investments or savings, you have to let your financial advisor know about these. This gives a clear and full picture of your financial situation, without which the advice given might not be the best for you. Spreading the risk load across a number of different products by diversifying your savings and investments, is something that reliable financial advice should allow for. A professional financial advisor in Bolton will be aware of the best areas to consider, which match your goals and your financial situation.

Communicating in the clearest possible way, your financial advisor will reveal the multifaceted world of finance and investment. You should be able to make an informed decision when you have compared the various services and products that meet your needs. If the environment is important to you, you could maybe ask that ethical investments and savings take precedence. This allows you to support businesses and firms which address your concerns, i.e. renewable energy or zero carbon, or perhaps avoiding firms that don't meet your requirements.

Working alongside a financial advisor in Bolton can be difficult to manage around your work life and other commitments. This can be alleviated by supplementing one-on-one meetings with phone calls and video conferencing, hence allowing you to seek the guidance you need at convenient times. Even if you hardly ever have a face-to-face meeting with your advisor, an experienced financial advice firm in Bolton will have rigorous measures in force to keep your details secure and confidential, because working from home and remote working is now so common.

COMPLAINTS

You must always bear in mind that the financial world is an unpredictable sector, and investment values can just as easily drop as well as rise. If it just so happens that your investment is not making as much money as you were hoping for, it can be a disheartening and stressful time. A downward spiral in your investment is not seen as a basis for complaint, unless your financial advisor has given you misleading or wrong information.

As laid out in the Key Facts Document, any complaints should commence with the company's complaints procedure. You can let the Financial Ombudsman know about the issue if it remains unsolved within the timeframe stipulated by the regulating authority, and your advisor is registered with the Financial Conduct Authority.

The Financial Ombudsman will come to a decision after independently reviewing the cause for complaint. A decision will be made on how to financially compensate the customer, if the complaint is upheld. This will become a legally binding decision once it has been accepted by the client, and the financial advisor and their firm must comply with the ruling. The Ombudsman will also take into account any distress, upset, hassle and inconvenience caused to the customer during the process, and fix the level of compensation accordingly.

Financial advice can be provided in Bolton and also nearby in: Radcliffe, Tonge Fold, Barrow Bridge, Heaton, Great Lever, Lostock, Breightmet, Eagley, Tottington, Horwich, Chapeltown, Markland Hill, Walkden, Farnworth, Edgworth, Halliwell, and in these postcodes BL1 1QW, BL1 1NH, BL1 2BG, BL1 2BU, BL1 2DG, BL1 1BR, BL1 1PE, BL1 2AH, BL1 1LE, and BL1 1LF. Local Bolton financial advisers will probably have the telephone dialling code 01204 and the postcode BL1. Checking this can ensure you are accessing locally based financial advisers. Bolton home and business owners are able to utilise these and numerous other finance related services.

Bolton Financial Advice Services

There is a wide range of services that are provided by your local Bolton financial advisor including pension advice Bolton, pension transfer advice, ethical investment advice, stakeholder pension advice Bolton, pension consolidation advice, multi-asset portfolios, independent financial advice, mortgage financial planning, retirement advice, investment planning, general financial planning, long term care fee advice, divorce financial planning in Bolton, saving for children, personal financial planning in Bolton, corporate financial planning, income protection, pensions in divorce in Bolton, pension planning, pension drawdowns Bolton, offshore investment advice, portfolio management, corporate bonds, cashflow planning, personal pensions, cheap financial advice, will writing services, equity release advice, investment bonds in Bolton, critical illness cover Bolton, and lots more. Listed are just some of the activities that can be handled by a financial advisor. Bolton professionals will inform you of their entire range of services.

A Financial Advisor's Regular Tasks

• Researching financial products and explaining them clearly and simply to clients.
• Keeping abreast of legislation changes and new financial products.
• Meeting targets for performance and sales.
• Keeping detailed records of transactions and customers.
• Providing consultation, education and counselling regarding finances and investments.
• Making advantageous deals with with providers of financial products.
• Working together with peers to gather statistics, market information and trends.
• Producing detailed financial reports.
• Updating customers concerning their investments.
• Talking to clients regarding their finances and plans.

Financial Advisors Near Bolton

Also find: Tonge Fold financial advisors, Heaton financial advisors, Farnworth financial advisors, Edgworth financial advisors, Eagley financial advisors, Halliwell financial advisors, Markland Hill financial advisors, Horwich financial advisors, Breightmet financial advisors, Lostock financial advisors, Chapeltown financial advisors, Barrow Bridge financial advisors, Radcliffe financial advisors, Great Lever financial advisors, Walkden financial advisors, Tottington financial advisors and more. Financial advisers are available for consultation services in almost all of these locations. Home and property owners in the area can make enquiries about financial advice by going here.

Bolton Financial Advice Services

Find a Financial Advisor in Bolton Here

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Independent financial advisor in BL1 area, 01204.

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