Financial Advisers Ashford Kent: It can be an intimidating experience trying to locate a reliable independent financial adviser in Ashford, in particular if it is the first time that you are needing financial advice. Whether it is investment, mortgage, pension or even insurance guidance that you're looking for, there is one common rule for all professional financial advisers; they all have to follow Financial Conduct Authority (FCA) regulations. Any advice given from a FCA certified financial adviser in Ashford comes with the guarantee that should things go wrong, you can contact the Financial Services Compensation Scheme or the Financial Ombudsman.
A decent starting place in choosing a financial adviser in Ashford may be friends and relations, but remember that the type of advice you are searching for might be different to theirs. Not every financial adviser is suitable for everybody, and any advice they provide should be tailored to your particular circumstances. To explore the various options they are offering and find a financial adviser that you can trust and feel comfortable with, it pays to chat to at least three different firms, because after all picking a financial adviser is an important decision.
Independent financial advisers and restricted advisers, are the two main kinds of financial adviser in Ashford. Offering a wider range of options, an IFA won't be confined to the products and services of just one company. Independent financial advice should be provided in an impartial and unbiased way and across the full gamut of financial companies and products. Using an independent financial adviser should allow you to choose from the widest possible range of products. A restricted financial adviser might be limited to services and products from a specific firm, or may even focus on a specific product, as can be the case with a mortgage adviser.
Before any financial adviser takes you on as a client, they are required by the FCA to be fully transparent with you about their charges. In accordance with the kind of services you are interested in, you could be charged by the hour, a set fee or even a specific percentage of your investment value. You will sometimes be offered a free initial consultation to allow you to discuss your aims and find out if the adviser is suitable for you and your circumstances. Your account could be handled by a team rather than one individual adviser, if you elect to go with one of the bigger companies in Ashford.
Before any actual advice is given you'll have to fill in a confidential disclosure form, known as a "Fact Find" document, which informs the advising company about your targets and financial situation. You will also be handed an Initial Disclosure, or Key Facts Document, which provides information on the financial adviser, their situation for offering independent or restricted advice and their range of permissions in the financial market. This document should also set down your own rights and the possible options you can take if you aren't happy with the service, and want to complain. It should be simple to understand, written in plain English, and outline exactly what you're committing yourself to, along with the benefits and risks of going along with the advice. The Key Facts Document must also inform you about the level of cooling-off period. Within a certain time frame, this makes it possible for you to cancel the contract.
When talking to the financial adviser initially you'll want to check their qualifications and experience. After all you're on the verge of entrusting your long-term financial wellbeing to their skill, so you should not be embarrassed about asking such questions. All financial advisers in Ashford must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. You don't need to panic if your adviser's name doesn't show up on the Financial Services Register, so long as the company is on the register, their personnel will be covered by the legislation. The person may still offer financial guidance instead of advice, if these cannot 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.
You'll be asked about the amount of risk you are prepared to take, if you are seeking advice on investments. Larger rewards may be possible with high risk investments, but you could also lose some or all of your capital. Your savings objectives will have to be carefully considered if good quality investment advice is to be given, i.e. how rapidly you need access to your money, long or short term investments and how much you wish to invest. You must always ask yourself the one vital question, how much money can you truly afford to lose. Generally known as your capacity for loss, this will most likely influence the products and services that you are offered.
If you've already got any existing mortgage loans, investments, regular outgoings or savings accounts, you have to let your financial adviser know about these. They will need this information, so they can get a clear picture of your financial circumstances and give the correct advice for you. Diversifying your savings and investments by spreading the risk load across a range of different products, is an important part of good quality financial advice. In order to match your goals and financial situation, a qualified financial adviser in Ashford will have the knowledge of the best areas to consider.
Communicating in the plainest speech possible, your financial adviser will unveil the complex world of investment and finance. You should be in a position 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 savings and investment schemes take top priority. This not only gives you investment opportunities, but also enables you to lend your support to zero carbon or green energy projects, and avoid those that do not share the same values as you.
It could prove difficult to manage your work day and other obligations around working closely with your financial adviser in Ashford. To allow you to get advice at a time to suit you, one-on-one appointments can be supplemented with phone calls and video conferencing. Remote and home working is now a large part of our society, and any competent financial advice firm in Ashford will have rigorous measures in force to ensure your details are kept secure and confidential, even if you rarely have a one-on-one meeting with your personal adviser.
COMPLAINTS
You must keep in mind that the financial world is an unpredictable sector, and the value of your investments can just as easily go down as well as up. It can be very worrying and frustrating if your investment is not making as much money as you hoped for. However, unless it's because of incorrect or misleading information from your financial adviser, a downward spiraling of your investment isn't a recognised basis for complaint.
Any disputes should commence with the firm's official complaints procedure as laid out in the Key Facts Document. You can inform the Financial Ombudsman of the problem if it is unsolved within the period set by the regulating body, and the adviser is registered with the FCA.
After reviewing the cause for complaint, the Financial Ombudsman will make a ruling on the issue. If the complaint is justified, a decision will be made on how to financially compensate the client. This will become legally binding as soon as it has been agreed on by the customer, and the adviser and their company must abide by the ruling. Any trouble, inconvenience, annoyance and distress caused to the client during the dispute, will be accounted for when the Ombudsman establishes the level of compensation.
Financial advice can be provided in Ashford and also nearby in: Hinxhill, Beaver Green, Kingsnorth, Willesborough, Boughton Lees, Hothfield, Shadoxhurst, Kennington, Wye, Challock, Bilting, Westwell, Great Chart, Little Chart, Mersham, Smeeth, Brook, and in these postcodes TN23 3GY, TN23 1QY, TN23 1EH, TN23 1LE, TN23 1QP, TN23 3JH, TN23 1AB, TN23 1JY, TN23 1QN, TN23 1HS. Locally based Ashford financial advisers will probably have the postcode TN23 and the dialling code 01233. Verifying this can guarantee you access locally based financial advisers. Ashford home and business owners are able to benefit from these and countless other similar services.
Kent Financial Advice Enquiries
Latest Kent financial advice enquiries: Vincent Hussein and Emme Hussein from Sutton Valence recently asked for information on financial planning. Eva and Chester Poole in Bobbing, Kent recently asked for information on financial planning. Lily-May and Kaison Daniels from Southfleet recently enquired about getting financial advice. Avani Luke and Alexander Luke in Sissinghurst, Kent recently enquired about family income benefit. Mira and Lennon Dale from Hextable recently asked about pension advice. Brianna Butcher from Eccles, Kent recently asked for information on equity release. Ethan Webster in Ringwould recently asked about investment advice. Darcey Ferreira from Cliffs End recently enquired about financial planning. These local residents searched for "financial advisers Kent" and discovered this web page on either Bing, Google or Yahoo.
Ashford Financial Advice Services
There are a wide range of services which can be provided by your local Ashford financial advisor including critical illness cover in Ashford, personal protection in Ashford, personal pensions, equity release, financial analyst services, long term care fee planning Ashford, life insurances, pension advice, familt controlled trusts, retirement plans, business protection, bereavement benefits in Ashford, money planning, stakeholder pensions, ISA's in Ashford, portfolio management in Ashford, mutual funds, cashflow analysis, saving for children in Ashford, family income benefit, inheritance tax planning Ashford, investing an inheritance in Ashford, divorce financial planning, independent financial advice, bridging finance, pension consolidation Ashford, will writing services, multi-asset portfolios Ashford, life assurance, pensions in divorce, and more. These are just a small portion of the tasks that can be undertaken by local financial advisers. Ashford professionals will let you know their entire range of financial services.
Financial Advisers Near Ashford
Also find: Kennington financial advisers, Hothfield financial advisers, Challock financial advisers, Westwell financial advisers, Shadoxhurst financial advisers, Kingsnorth financial advisers, Mersham financial advisers, Smeeth financial advisers, Bilting financial advisers, Little Chart financial advisers, Beaver Green financial advisers, Hinxhill financial advisers, Brook financial advisers, Boughton Lees financial advisers, Wye financial advisers, Willesborough financial advisers, Great Chart financial advisers and more. Most of these locations are serviced by local financial advisers. Ashford residents can get financial advice estimates by clicking here.
Ashford Financial Advice Services
- Ashford Trustee Investments
- Ashford Life Insurance Advice
- Ashford Wealth Management
- Ashford Financial Advice
- Ashford Cashflow Analysis
- Ashford Financial Services
- Ashford Inheritance Advice
- Ashford Mortgage Advice
- Ashford Investment Advice
- Ashford Corporate Financial Advice
- Ashford Pension Advice
- Ashford Retirement Planning
- Ashford Tax Advice
- Ashford Estate Planning
Financial Advisors Around Ashford: Some Ashford roads and streets where financial advice has recently been given - Alexandra Road, Singleton Hill, Birchett, The Martins, Swifts Green, Chesterfield Road, Chislett Close, Dunkery Rise, Dencliffe, Coronation Drive, School Road, Aragon Close, Conker Close, Tritton Close, Clockhouse Park, Brenchley Close, The Yews, The Nightingales, Stanhope Square, Brisley Lane, Sackville Close, Torrington Place, The Pasture, Dingle Road, Cuckoo Lane, Convent Road, Troubridge Close, Downsway, Bilsington Road, as well as these local Ashford postcodes: TN23 3GY, TN23 1QY, TN23 1EH, TN23 1LE, TN23 1QP, TN23 3JH, TN23 1AB, TN23 1JY, TN23 1QN, TN23 1HS. People in these areas recently required the help of a financial adviser. Ashford residents enjoyed competent and high quality financial services in every case.
Financial Adviser Ashford
Financial Advice Near Me
Financial Advisers AshfordMore Kent Financial Advisers: More Kent financial advisers: Paddock Wood, Tenterden, Sevenoaks, Dartford, Westgate-on-Sea, Westerham, Swanley, Faversham, West Kingsdown, Southborough, Strood, Chatham, Whitstable, Cranbrook, Kingsnorth, Northfleet, Minster, East Malling, Canterbury, Swanscombe, Sturry, Hartley, Sandwich, Aylesford, Tunbridge Wells, Biggin Hill, Sheerness, New Romney, Pembury, Snodland, Lydd, Folkestone, Meopham, Ramsgate, Sittingbourne, Rochester, Herne Bay, Deal, Ashford, Birchington-on-Sea, Walmer, Bearsted, Tonbridge, Gillingham, Wilmington, Staplehurst, Broadstairs, Gravesend, Margate, Edenbridge, Dover, Boxley and Maidstone.
Independent financial advisers in TN23 area, 01233.
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