Welcome to Beatties Financial Services
Would you like to retire on a comfortable income but don’t know how much you need to put away?
Have you collected pensions over the years but don’t know how well they are performing?
Are you target driven but haven’t a clue what to aim for when it comes to your pension planning?
Do you feel frustrated about the rates of return you are getting from the banks regarding your hard-earned savings?
Have you wondered how to make the most of your assets and investments in order to increase the level of inheritance you’d like to pass on to your loved ones?
If any of the above applies to you, Beatties can help.
Becoming wealthy doesn’t happen overnight. With the correct financial planning and advice, you can make the correct financial decisions that will help to build and protect your wealth over time.
Our financial advisors can offer you a full review of your pensions and research the whole of the market to show you what’s best for you out there.
Being independent, we can shop around the whole of the market to help you select the best rates of growth in the market for your investments so that you can reach your financial goal quicker, and in a tax-efficient manner.
Come to Beatties Financial Services – Financial Planning for a Better Tomorrow Today.
HOW WE WORK WITH YOU
Financial Planning and Planning for your future is important to us all. Here at Beatties Financial Services, we want to make the process of working with us as simple as possible, but still giving you the best financial advice. To do this we have set it out into 3 easy steps.
Who We Are
Welcome to Beatties Financial Services.
We are a family run firm of Local Independent Financial Advisors who provide impartial financial advice to individuals and businesses in the Wigan area and the North West.
With more than 50 years of experience in the financial services industry, we are a long-established firm of financial advisers based in Liverpool and in Wigan.
Local Financial Services are the key to success and we believe that we offer the best Financial Service in Wigan.
Whether you want to start planning your financial future or review your current situation, we’ll be able to help. Our financial advisors provide a bespoke service that is tailored to achieve your aims.
Meetings can be held at our office or in your home.
We offer a wide range of Financial Services to include:
Critical Illness Cover
Wills & Powers of Attorney
Independent Financial Advice
Independent advice is not the only option available.
If you go to your high street bank you may be greeted by a financial adviser, but they could well be ‘tied’ to recommending and promoting the products of the bank, or a single insurance/investment company to which the bank has an allegiance. So why do we need independent advisers, and how can customers be sure they are getting a fair deal?
The Financial Conduct Authority (FCA)
The FCA, to give it its shorter title is the independent watchdog that regulates all financial and insurance firms – this ranges from the largest multinational bank, to the financial adviser operating as a sole trader. The FCA handbook lays down the rules and guidance to which all regulated Advisers must adhere to. The rules are freely available from the FCA’s website– www.fca.org.uk. Please note by clicking on this link you will leave our website and enter into a third party website of which our firm is not responsible for the content.
How do I know the company I am dealing with is independent?
Independent advisers are able to select product for customers from the whole of market – that means they can potentially recommend any product from any company providing it suits the customer’s needs and objectives. With such a wide choice of companies, investments and saving tools the customer can be reassured that they are not simply being provided with a standard recommendation – and are getting personalised advice.
To ensure you do get personal advice your financial adviser will collect certain details about you and your circumstances to enable him to advise you. Remember to be as open and honest as you can, because the adviser’s recommendation will be based on the information you provide.
All financial advisers have to provide their customers with the relevant important disclosure documents, detailing the following: information on services provided by the firm, how the firm is paid for the business it conducts, their complaints procedure, Data Protection and coverage under the Financial Services Compensation Scheme (FSCS). You can ask to see our disclosure documents at any time, simply contact us for these.
What protection do I have?
Your adviser will always endeavour to ensure the products recommended are suitable for you. When the adviser is advising you on regulated products (including investments, insurance and some forms of mortgages) you have the protection of the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme (FSCS).
If you are unhappy about the advice or service you have received you should firstly contact the firm that provided the advice or service. This gives them the chance to put things right and/or to provide their own version of events. Should you remain dissatisfied you may be entitled to refer your complaint to the FOS who will investigate the complaint independently and make a ruling. The FOS work with customers and financial advisers to resolve a complaint, and when they do have to make a ruling it is binding upon the firm. If you wish to register a complaint against our firm our contact details can be found on the contact us page of the website. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 023 4 567.
If you try to submit a complaint to a firm and the firm is dissolved, or unable to meet its obligations, you may have recourse to the FSCS (Financial Services Compensation Scheme). This service is funded by levies on firms that are authorised by the Financial Conduct Authority to protect customers where firms have closed or gone into liquidation.
Anything else I should know?
Some financial advisers do give advice on products that are not regulated by FCA – such as general taxation and some Buy-to-Let mortgages. Your adviser will explain to you when you are receiving advice on an unregulated product. It is important you are happy with the advice as you may not have the added protection of the FOS or FSCS when dealing with some unregulated products.
The financial conduct authority does not regulate taxation advice.