Financial Advisers Boxley

Financial Advisers Boxley Kent: If you're in search of financial advice for the first time, trying to find a decent independent financial adviser in the Boxley area can be a quite daunting experience. Nevertheless, all professional financial advisers are bound by one common rule; they must all adhere to the regulations of the Financial Conduct Authority (FCA), regardless of whether you're searching for pensions, investment, mortgage or even insurance advice. This comes with certain guarantees, therefore after getting advice from a FCA approved financial adviser in Boxley, you can seek recompense from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if something should go awry.

A good starting place when picking a financial adviser in Boxley may be friends and relatives, but bear in mind that the kind of advice you're looking for might be significantly different to theirs. Their advice needs to be personalised to your specific circumstances, and not every financial adviser is suitable for everybody. It is wise to speak with at least three different companies when you're considering a financial adviser, since this is an important decision, and you need to find one that you can trust and feel comfortable with, and explore the options they can provide.

When it comes to picking a financial adviser in Boxley, there are two main types; restricted advisers and independent financial advisers. Offering a wider range of options, an independent financial adviser won't be restricted to a single company's services or products. Covering the entire gamut of financial products and companies, independent financial advice must be offered in an impartial and unbiased way to customers. If you elect to use an independent financial adviser, you'll be able to pick from the broadest possible array of services, in order to find the ideal solution for your needs. A restricted adviser could be concerned with an individual product, such as a mortgage adviser, or be limited to products and services from a specific company.

Before accepting you as a client, any financial adviser in Boxley must fully discuss their charges with you, as demanded by the Financial Conduct Authority. You may be charged by the hour, a set fee or possibly even a proportion of your investment value, contingent on product you're looking for. To allow you to discuss your objectives and find out if the adviser is the proper choice for you and your situation, a free preliminary consultation may be offered. Your account could be managed by a team as opposed to one individual adviser, if you opt to use one of the larger firms in Boxley.

You'll be asked to complete a "Fact Find" document, which is a confidential disclosure form relating your aims and financial situation to the advising company. A Key Facts or Initial Disclosure Document will also be handed to you, providing details of the financial advisers themselves, detailing their range of permissions in the financial market and their situation for offering independent or restricted advice. If you are not satisfied with the service, and wish to complain, this document should also set down your legal rights and the options you can take. It has to be simple to understand, written in plain English, and explain precisely what you are committing yourself to, together with the benefits and risks of accepting the proffered advice. You can find the amount of cooling-off period in the Key Facts Document. Within a specific time frame, this makes it possible for you to cancel your agreement.

When talking to your financial adviser for the first time 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 shouldn't be embarrassed about asking such questions. A Level 4 qualification in financial advice is the minimum certification for any Boxley financial adviser, and they must also be in a position to present an annual Statement of Professional Standing. If the adviser's name doesn't show up on the Financial Services Register, you should not panic, the company the individual works for will almost certainly be on the register and their employees are all covered by the legislation. The individual can still offer financial guidance instead of advice, if these can't be presented. In financial terms guidance is somewhat different to advice and isn't regulated in the same way. Therefore there is no recourse for either party if financial mistakes occur.

If it's investing money that you are interested in, the adviser will ask you about the level of risk you might be prepared to accept with your hard-earned cash. High risk investments may offer substantial rewards, however some or all of your cash could be lost. Decent investment and financial advice should take you savings objectives into consideration, i.e. how much you have to invest, short or long term investments and how quickly you need access to your funds. You should always ask yourself the one important question, how much money can you truly afford to lose. This might influence the products and services that you are offered, and is called your capacity for loss.

If you have already got any existing mortgages, savings accounts, investments or regular outgoing payments, you should tell your financial adviser about these. To ensure that you receive the best advice for you, they need to have a full and clear picture of your financial situation. Smart financial advice should include diversifying your investments and savings by spreading the risk across a number of different products. With a knowledge of the best areas to consider, an experienced financial adviser will favour products that fit in with your goals and financial circumstances.

Your financial adviser will try to communicate in as much plain speech as possible, to unveil the complex world of finance. This will allow you to compare products and services which meet your needs, and make an informed decision. If environmental issues are at the forefront of your mind, you could perhaps ask that ethical investments and savings take precedence. You can then stay away from businesses that investments meet your standards, but instead lend your support to those companies and businesses that match your concerns, for instance zero carbon or renewable energy.

Having constant interactions with your financial adviser in Boxley could create problems with work and other obligations. To allow you to get advice at a time to suit you, one-on-one appointments can be complemented with telephone and video conferencing. A professional financial advice firm in Boxley will have strict measures in place to ensure your details are kept confidential and secure, even if you rarely have an in-person meeting with your personal adviser, because home and remote working is now so common.

COMPLAINTS

The value of your investments could fall as well as rise, and this is a factor that you need to keep in mind. If it just so happens that your investment is not making as much money as you were hoping for, it can be a very demoralising and stressful time. However, except if it's due to wrong or misleading information from your adviser your investment having a downward trend is not a recognised basis for complaint.

Any disputes should start out with the company's official complaints procedure as indicated in the Key Facts Document. If the issue is unsolved within the time schedule set out by the regulating authority, and the financial adviser is a member of the Financial Conduct Authority, you can advise the Financial Ombudsman.

After reviewing the cause for complaint, the Financial Ombudsman will come to a decision on the issue. If it is established that the complaint is justifiable, a decision will be made on how the client can be compensated. On acceptance by the client, the ruling will become a legally binding one, and the adviser and their firm must abide by it. Any annoyance, hassle, inconvenience and distress caused to the customer during the situation, will be accounted for when the Ombudsman fixes the level of compensation.

Financial advice can be provided in Boxley and also in nearby places like: Hempstead, Eccles, Stockbury, Walderslade, Hartlip, Lidsing, Sandling, Thurnham, Blue Bell Hill, Penenden Heath, Boxley, Bredhurst, Westfield Sole, Maidstone, Detling, Aylesford, and in these postcodes ME7 3JP, ME14 5JX, ME14 3BS, ME14 5PX, ME14 5UY, ME14 3ED, ME5 9JN, ME14 5LF, ME5 8XQ, ME7 3LJ. Local Boxley financial advisers will likely have the postcode ME14 and the dialling code 01622. Checking this out can guarantee you access locally based financial advisers. Boxley householders will be able to utilise these and lots of other finance related services.

Boxley Financial Advice Services

There are a wide array of services which can be provided by your local Boxley financial advisor including independent financial advice Boxley, financial analyst services, ISA's Boxley, annuities, income protection advice, offshore investment advice, corporate financial planning in Boxley, ethical investments in Boxley, bridging finance, unit trusts, business protection, financial services, trustee investment services Boxley, corporate bonds, general financial planning in Boxley, pensions in divorce, will writing services, pension advice, cash flow modelling, investing an inheritance, saving for children, pension transfer advice Boxley, death benefit advice in Boxley, investment advice, wealth management & investments, cheap financial advice, pension plans, pension reviews, investment consolidation advice Boxley, cashflow planning in Boxley, and more. Listed are just a small portion of the activities that can be carried out by local financial advisers. Boxley professionals will keep you informed about their entire range of financial services.

Financial Advisers Near Boxley

Also find: Boxley financial advisers, Eccles financial advisers, Bredhurst financial advisers, Aylesford financial advisers, Stockbury financial advisers, Thurnham financial advisers, Hartlip financial advisers, Penenden Heath financial advisers, Blue Bell Hill financial advisers, Walderslade financial advisers, Westfield Sole financial advisers, Detling financial advisers, Lidsing financial advisers, Hempstead financial advisers, Sandling financial advisers, Maidstone financial advisers and more. Most of these locations are covered by local financial advisers. Boxley residents can get financial advice estimates by going here.

Boxley Financial Advice Services

Find Financial Advisers in Boxley Here

• Boxley Wealth Management
• Boxley Tax Advice
• Boxley Financial Services
• Boxley Pension Advice
• Boxley Inheritance Advice
• Boxley Independent Financial Advice
• Boxley Cheap Financial Advice
• Boxley Cashflow Analysis
• Boxley Corporate Financial Planning
• Boxley Trustee Investments
• Boxley Investment Advice
• Boxley Life Insurance Advice
• Boxley Estate Planning
• Boxley Retirement Planning

Financial Advisors Around Boxley: In Saracen Fields, Grovewood Holt, Golden Wood Close, Shenley Grove, Harebell Close, Holmoaks, Marlow Copse, Sylvan Glade, Bracken Hill, Boarley Lane, Longwood, Harp Farm Road, Ham Lane, Styles Lane, Violet Close, Fir Tree Grove, Feldspar Close, Wingrove Drive, Lombardy Drive, Leybourne Close, Ploughmans Way, Bilberry Close, Pilgrims View, Spindle Glade, Grey Wethers, The Medlars, Henley Fields, as well as the following local Boxley postcodes: ME7 3JP, ME14 5JX, ME14 3BS, ME14 5PX, ME14 5UY, ME14 3ED, ME5 9JN, ME14 5LF, ME5 8XQ, ME7 3LJ, folks have just recently needed financial advice. Folks in these areas recently requested the help of a financial adviser. Boxley residents enjoyed the benefits of dependable and top quality financial services.

To obtain local information on Boxley, Kent go here

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

Independent financial advisers in ME14 area, phone code 01622.

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