Financial Advisers Aylesford

Financial Advisers Aylesford Kent: Locating a first-rate independent financial adviser in Aylesford can be a challenging experience, in particular if you are seeking financial advice for the first time. Nevertheless, all qualified financial advisers have one thing in common; they all have to follow the regulations laid down by the Financial Conduct Authority (FCA), whether you're looking for investment, pensions, mortgage or even insurance guidance. The advantage of this is that if a financial adviser who is FCA registered gives you poor advice, and anything goes awry, you've got guarantees, and are able to contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to get things put right.

Friends and family recommendations can be a good starting place in choosing a financial adviser in Aylesford, but remember that their situation might be different to what you're looking for. Not every financial adviser is suitable for everyone, and their advice needs to be personalised to your specific circumstances. It is a good idea to talk to at least three different firms when you are choosing a financial adviser, because this is a big decision, and you'll be looking to find one that you feel comfortable with and can trust, and at the same time explore the various options they offer.

Restricted advisers and independent financial advisers (IFA), are the two main types of financial adviser in Aylesford. An independent financial adviser won't be restricted to the services and products of a single provider. Independent financial advice must be offered in a frank and impartial way and should cover the whole spectrum of financial companies and products. This enables you to choose from the widest possible range of services to suit your needs. If you go to a restricted financial adviser you will soon realise that they may be restricted to services and products of a single company, or as in the case of a mortgage adviser, may only be involved with one product.

Before any financial adviser in Aylesford accepts you as a client, they are required by the FCA to be transparent about their charges. You might be charged a set fee, by the hour or possibly even a specific percentage of your investment, based upon services you're interested in. To enable you to discuss your aims and determine whether the adviser is the correct fit for your situation, you could be offered the possibility of a free initial consultation. In some larger Aylesford companies, you may find that your account is managed by a team as opposed to an individual adviser.

Before any financial advice is given you'll need to fill in a confidential disclosure form, known as a "Fact Find" document, which tells the advising firm about your aims and financial situation. You'll also be given an Initial Disclosure, or Key Facts Document, which gives you information on the financial adviser, their situation for offering restricted or independent advice and their scope of permissions in the financial sector. If you aren't satisfied with the service, and wish to complain, this document should also lay out your own rights and the possible options you can take. It should detail exactly what you are committing yourself to, and any potential risks and benefits if you elect to accept the advice offered, and it has to be set down in plain language. This document will also inform you of the cooling-off period. This allows you to cancel the contract within a certain time period, and whenever any penalties have to be paid.

You should check the qualifications and experience of the financial adviser when you first speak with them. Asking these questions should not cause you any embarrassment, because after all you are about to entrust them with your financial wellbeing. A Level 4 qualification is the minimum required certification for any Aylesford financial adviser, and they also have to be able to provide you with an annual Statement of Professional Standing. If your adviser's name does not appear on the Financial Services Register, you shouldn't stress, the firm the individual works for will almost certainly be on the register and their employees will be covered by the regulations. If they're unable to provide this evidence, the person cannot offer advice but can offer financial guidance. Guidance is somewhat different to advice as it is not regulated in the same way, and if errors occur there will probably be no recourse to the client.

If you are looking for advice on investing money you will be asked about the level of risk you're ready to take. Most investments carry some degree of risk, but higher risk investments may offer larger rewards, and also more chance of losing some or all of your money. In order to get the best investment and financial advice, your savings aims will have to be carefully considered, i.e. how much you wish to invest, how quickly you need access to your funds and long or short term investments. You should invariably ask yourself the one vital question, how much money can you truly afford to lose. This may well influence the products and services that could be offered for your consideration, and is referred to as your 'capacity for loss'.

If you have already got any existing investments, personal savings, mortgage loans or regular outgoings, you'll want to let your financial adviser know about these. To make certain that you receive the most appropriate advice for you, they need a clear and full picture of your financial circumstances. Spreading the risk load across a number of different products through the diversification of your savings and investments, is something that smart financial advice should allow for. In order to mirror your goals and financial circumstances, a certified financial adviser in Aylesford will be aware of the best products to consider.

Your financial adviser will attempt to communicate in as much plain speech as possible, to unveil the complex world of finance. This will allow you to compare services and products that meet your needs, and make an informed decision. If you're mind is firmly on the environment, you can perhaps ask your adviser to stick to ethical investments and savings. This doesn't just give you investment possibilities, but also enables you to lend your support to renewable energy or zero carbon projects, and keep away from companies and businesses that don't share the same values as you do.

It may prove difficult to manage your work life and other commitments around a close working relationship with a financial adviser in Aylesford. To allow you to get advice at times that suit you, face-to-face meetings can be complemented with video conferencing and phone calls. A competent financial advice company in Aylesford will have strict measures in force to ensure your details are kept confidential and secure, even if you hardly ever have a one-on-one meeting with your adviser, because home and remote working is no longer unusual.

COMPLAINTS

You must always keep in mind that the financial world is a volatile sector, and the value of your investments could just as easily go down as well as up. It can be incredibly frustrating and stressful if your investment isn't making as much money as you were hoping for. However, except if it's down to wrong or misleading information from your financial adviser, a downward spiral in your investment is not a recognised grounds for complaint.

Any disputes should start with the firm's official complaints procedure as described in the Key Facts Document. If the adviser is a member of the FCA, you can tell the Financial Ombudsman about the issue if it is unresolved within the time-frame laid down by the regulating body.

The Financial Ombudsman will come to a decision after reviewing the cause for complaint independently. A decision is made on how to rectify the situation or financially compensate the client, if the complaint is justified. On acceptance by the client, the decision becomes a legally binding one, and the financial adviser and their firm must abide by it. Any compensation laid down by the Ombudsman will also take into account any annoyance, distress, hassle and inconvenience caused to the client during the situation.

Financial advice can be provided in Aylesford and also in nearby places like: Mill Street, Eccles, Sandling, West Malling, New Hythe, Barming, Maidstone, Quarry Wood, Snodland, Leybourne, Ditton, Larkfield, Allington, Boxley, Penenden Heath, East Malling, Birling, Burham, and in these postcodes ME20 7DB, ME20 7BQ, ME20 7NT, ME20 7QZ, ME20 7RX, ME20 7AT, ME20 7JP, ME20 7GT, ME20 7LE, ME20 7LF. Locally based Aylesford financial advisers will probably have the dialling code 01622 and the postcode ME20. Checking this out will make sure that you access locally based financial advisers. Aylesford property owners can benefit from these and various other similar services. Simply click on the "enquiry" form or banner to get details about financial advisers in your location.

Kent Financial Advice Enquiries

Latest Kent financial advice enquiries: Genevieve Darby and Santino Darby from Woodnesborough, Kent recently enquired about life assurance. Amanda and Owain Faulkner in Shoreham recently enquired about equity release. Izabella Thornton and Henri Thornton in Langley recently enquired about financial planning. Lola Baldwin from Harbledown, Kent recently asked for information on offshore investments. Alayna Sharpe in Shorne recently asked for information on family income benefit. Arissa Hewlett from Egerton, Kent recently asked for information on pensions. Kodi and Ruby-Mae Greaves from Hythe, Kent recently enquired about investment bonds. Myra and Cole Bain from Westerham, Kent recently asked about offshore investments. These local residents did a search for "financial advisors Kent" and located this website on Google, Yahoo or Bing.

Kent Financial Advisers

In the Kent area you can additionally get: Woodchurch investment advisers, Leybourne financial advisors, Eccles investment advice, Iwade financial advice, Aylesford financial advisers, Pembury financial advice, Birchington financial advisers, Broad Oak investment advisers, Sissinghurst financial advisors, Sandhurst financial advisors, Downswood financial advisors, Yalding investment advice, Wingham investment advice, Hawkinge investment advice, Pembury financial advice, Shorne investment advice, Rolvenden financial advisors, Darenth financial advisers, Mersham financial advisors, Lenham investment advice, Strood investment advice, Burham investment advisers, South Darenth financial advisers, Chislet financial advisers, Marden financial advisers, Tunbridge Wells financial advice, Horsmonden investment advice, Thurnham investment advisers, Wingham financial advisers, Eastry financial advice.

Necessary Skills to be Financial Advisors

• A good understanding of economics and accounting relating to financial markets and products.
• A competent level of mathematical knowledge for producing financial strategies.
• To be thorough and pay attention to detail.
• Good management skills for negotiating product fees.
• To have attentive interpersonal and listening skills.
• To be confident in using a computer and the primary software packages.
• To be organised and self-motivated.
• To have the ability to network and build solid relationships with customers.
• To be good at selling products and services.
• Excellent skills in verbal communication.
• Effective skills in customer service for determining customer requirements and needs.

Aylesford Financial Advice Services

There is a wide range of services that are provided by your local Aylesford financial advisor including trusts, savings advice in Aylesford, annuity purchases, pension consolidation advice, independent financial advice, equity release, unit trusts in Aylesford, family income benefit, money planning, investment plans, investing an inheritance, wealth management in Aylesford, financial advice services, financial planning in Aylesford, corporate bonds, personal protection in Aylesford, life assurance advice, pension planning in Aylesford, business planning, multi-asset portfolios in Aylesford, life insurances, long term care fee advice, pension plans, business protection, ISA's in Aylesford, stakeholder pension advice in Aylesford, cash flow modelling in Aylesford, portfolio management, income protection, general financial planning, and lots more. These are just some of the activities that can be conducted by local financial advisers. Aylesford professionals will be happy to inform you of their entire range of financial services.

Financial Advisers Near Aylesford

Also find: Maidstone financial advisers, West Malling financial advisers, Ditton financial advisers, Birling financial advisers, Quarry Wood financial advisers, Larkfield financial advisers, Barming financial advisers, New Hythe financial advisers, Mill Street financial advisers, Eccles financial advisers, Sandling financial advisers, Snodland financial advisers, Penenden Heath financial advisers, Allington financial advisers, Boxley financial advisers, Burham financial advisers, East Malling financial advisers, Leybourne financial advisers and more. All these places are served by local financial advisers. Aylesford residents can get financial advice quotations by going here.

Aylesford Financial Advice Services

Find Financial Advisers in Aylesford Here

• Aylesford Tax Advice
• Aylesford Wealth Management
• Aylesford Investment Advice
• Aylesford Mortgage Advice
• Aylesford Life Insurance Advice
• Aylesford Cashflow Analysis
• Aylesford Trustee Investments
• Aylesford Financial Advice
• Aylesford Financial Advice Quotes
• Aylesford Estate Planning
• Aylesford Corporate Financial Planning
• Aylesford Retirement Advice
• Aylesford Inheritance Advice
• Aylesford Cheap Financial Advice

Financial Advisors Around Aylesford: Over the past 12 months financial advice was provided in these Aylesford streets: Friars Avenue, Forest Drive, Longhurst Drive, Eccles Row, High Street, Tavistock Close, Sycamore Drive, Roman Close, Mill Lane, Cork Street, Sheraton Court, Warren Road, Chatham Road, Hepplewhite Mews, Salisbury Road, Russett Close, Valley Rise, York Avenue, Brassey Drive, The Hawthorns, Laverstoke Road, Robin Hood Lane (upper), Premier Parade, Station Road, Foresters Close, and in these Kent postcodes: ME20 7DB, ME20 7BQ, ME20 7NT, ME20 7QZ, ME20 7RX, ME20 7AT, ME20 7JP, ME20 7GT, ME20 7LE, ME20 7LF. Folks living in these areas recently required the help of a financial adviser. Aylesford residents enjoyed the benefits of trusted and competent financial services in every case.

For the best local Aylesford info go here

More Kent Financial Advisers: More Kent financial advisers: Ashford, Dartford, Westgate-on-Sea, Meopham, Sandwich, Minster, Tenterden, Southborough, Deal, Birchington-on-Sea, Bearsted, Swanley, Rochester, Edenbridge, Broadstairs, Pembury, Wilmington, Gillingham, Gravesend, Whitstable, Boxley, Maidstone, Paddock Wood, Folkestone, West Kingsdown, Faversham, Northfleet, Walmer, Snodland, Sevenoaks, Kingsnorth, Herne Bay, Margate, Dover, Cranbrook, East Malling, Swanscombe, Sittingbourne, Sheerness, Hartley, Sturry, Canterbury, Tunbridge Wells, Strood, Staplehurst, Biggin Hill, New Romney, Westerham, Tonbridge, Chatham, Ramsgate, Lydd and Aylesford.

Independent financial advisers in ME20 area, (dialling code 01622).

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