Financial Advisers Canterbury Kent: If you're seeking financial advice for the very first time, trying to locate a first-rate financial adviser adviser in Canterbury can be a challenging experience. Whether you're searching for mortgage, investments, pension or even insurance guidance, all financial advisers have one thing in common; they must all follow the regulations set by the FCA (Financial Conduct Authority). Any advice given by a FCA registered financial adviser in Canterbury comes with guarantees that should anything go awry, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman.
Recommendations from relatives and friends can be a good starting place in picking a financial adviser in Canterbury, but bear in mind that their needs could be different to the type of advice you're looking for. Financial advice should be specifically tailored to your particular situation, and you will discover that certain financial advisers may not be appropriate for you. Picking a financial adviser is a big decision and it is wise to talk with at least 3 different firms so as to explore the options they offer, and to find one that you can trust and feel comfortable with.
When you're looking to pick a financial adviser in Canterbury, there are essentially 2 main types; restricted advisers and independent financial advisers. An IFA will not be limited to just one company's products or services. Independent financial advice must be offered in an honest and impartial way and across the whole spectrum of financial products and companies. Consulting an IFA should permit you to choose from the broadest possible range of services. A restricted adviser may be limited to services and products from one particular provider, or may even concentrate on just one product, as can happen with a mortgage adviser.
Before any financial adviser in Canterbury accepts you as a client, they are required by the FCA to discuss their charges with you. Based on the product you're interested in, you could be charged by the hour, a set fee or possibly even a proportion of your investment. To allow you to discuss your objectives and see if the adviser is a right fit for your situation, a free initial consultation may be offered. In some bigger Canterbury firms, you might find that your account is handled by a team rather than an individual.
To describe your aims and financial situation to the advising firm, you'll have to complete a "Fact Find" form, which is a confidential disclosure document. You'll also be given a Key Facts or Initial Disclosure Document, which provides details about the financial adviser, their status to offer restricted or independent advice and the extent of their permissions in the financial arena. Your legal rights should also be laid out in this document, together with the possible options you can take if you need to complain because you are not happy with the service you are given. It should be written in plain English and detail what you are committing yourself to, and any possible benefits and risks that exist if you decide to take the offered advice. The cooling-off period should also be fully explained in this document. This permits you to cancel the contract within a specific period of time, and whenever any penalties are incurred.
You'll want to check what experience and qualifications the financial adviser has the first time you speak with them. Asking these questions should never be a cause for embarrassment, because you are entrusting them with your financial wellbeing. All financial advisers in Canterbury must as a minimum hold a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. When checking the Financial Services Register, don't freak out if your financial adviser's name does not show up on there; you should be able to find the firm name, and that means the regulations covers all of their employees. If they are unable to provide this proof, the person can't offer advice but is able to offer financial guidance. In financial terms guidance is different to advice and isn't regulated in the same way. Therefore there's no recourse for either party if financial blunders occur.
You'll be asked the amount of risk you're ready to take on, if you are seeking advice on investing money. Higher risk investments may offer better rewards, but some or all of your funds could be lost. In order to get the very best financial and investment advice, your savings objectives must be carefully considered, i.e. how much money you want to invest, how quickly you need access to your money and long or short term investments. "How much money can you truly afford to lose?" Is the one question that you really need to ask yourself. Commonly called your capacity for loss, this will quite likely have an effect on products and services that you are offered.
You will have to tell your financial adviser about your current regular outgoings, mortgages, savings accounts or investments. To ensure that you get the best advice for you, they need to gather a full and clear picture of your financial circumstances. Spreading the risk across a range of different products through the diversification of your savings and investments, is something that good financial advice should embrace. In order to reflect your goals and financial circumstances, an experienced financial adviser in Canterbury will have the knowledge of the best products to consider.
A financial adviser will lay bare the multifaceted world of finance, and speak in the clearest possible way. This will help you to compare services and products which match your needs, and come to an informed decision. You could maybe ask your adviser only to specify ethical savings and investment schemes. This will allow you to support organisations and firms which address your concerns, i.e. zero carbon or renewable energy, or perhaps staying away from investments that don't meet your criteria.
It's not that easy to work closely with a financial adviser in Canterbury without this impacting your work life and other commitments. To allow you to get advice at times that suit you, face-to-face meetings can be backed up with video conferencing and telephone calls. An experienced financial advice company in Canterbury will have stringent measures in place to ensure your details are kept confidential and secure, even if you rarely have a one-on-one meeting with your adviser, because remote and home working is now so common.
COMPLAINTS
You must bear in mind that the financial sector can be volatile, and the value of your investments can just as easily drop as well as rise. If it just so happens that your investment is not making the amount of money you hoped for, it can be a very disheartening and worrying time. Your investment having a downward trend isn't a recognised basis for complaint, unless your adviser has given you misleading or wrong information.
Any grievances should begin with the firm's official complaints procedure as laid out in the Key Facts Document. You can tell the Financial Ombudsman about the issue if it remains unsolved within the time schedule stipulated by the regulating authority, and the adviser is a member of the Financial Conduct Authority.
The Financial Ombudsman will make a ruling after reviewing the cause for complaint independently. If the complaint is upheld, a decision is made on how to rectify the situation or financially compensate the customer. This becomes legally binding once it has been agreed on by the customer, and the financial adviser and their company must comply with the decision. Any compensation set by the Ombudsman will also account for any trouble, annoyance, distress and inconvenience caused to the customer during the situation.
Financial advice can be provided in Canterbury and also in: Tyler Hill, Fordwich, Chartham, Bekesbourne, Chilham, Rough Common, Hoath, Sturry, Lower Hardres, Harbledown, Aylesham, Blean, Chartham Hatch, Broadoak, Faversham, Bridge, Littlebourne, and in these postcodes CT1 1HE, CT1 1QG, CT1 1JN, CT1 1BG, CT1 1LP, CT1 1GR, CT1 1BW, CT1 1AN, CT1 1NJ, CT1 1EW. Local Canterbury financial advisers will most likely have the postcode CT1 and the dialling code 01227. Checking this can guarantee you are accessing local financial advisers. Canterbury property owners can utilise these and various other finance related services. Click on the "enquiry" banner or form to get specifics of financial advisers in your area.
Kent Financial Advisers
In the Kent area you'll likewise find: Lympne investment advice, Cliffe financial advice, Grain investment advice, Ulcombe financial advice, Ightham financial advisers, Northfleet financial advisors, Walmer investment advice, Allhallows on Sea financial advisors, Aldington investment advice, Teynham financial advisors, Bobbing investment advice, Plaxtol investment advice, Larkfield financial advice, Halstead financial advice, Bethersden financial advice, Woodchurch financial advice, Speldhurst investment advisers, Southfleet financial advisors, Orlestone investment advisers, Hothfield investment advice, Capel investment advisers, Pluckley investment advisers, Darenth investment advisers, Stone financial advisors, Coxheath financial advisers, Lyminge investment advice, Hamstreet financial advice, Orlestone financial advice, Minster financial advisors, Penshurst financial advisers.
Canterbury Financial Advice Services
There are a wide array of services that are provided by your local Canterbury financial advisor including pension advice Canterbury, divorce financial planning in Canterbury, investment bonds in Canterbury, mortgage advice Canterbury, financial planning, bridging finance, money planning, business financial planning, pension consolidation advice, pension planning in Canterbury, ethical investment advice, personal pensions advice, pension drawdowns in Canterbury, independent financial advice, long term care fee advice Canterbury, investment advice, life insurance, multi-asset portfolios Canterbury, pension transfer advice in Canterbury, offshore investment advice, personal financial planning Canterbury, critical illness cover, business protection, trustee investment services, cheap financial advice Canterbury, pension reviews, familt controlled trusts, trusts in Canterbury, personal protection, general financial planning Canterbury, and more. Listed are just an example of the tasks that can be conducted by local financial advisers. Canterbury professionals will keep you informed about their full range of services.
Financial Advisers Near Canterbury
Also find: Fordwich financial advisers, Blean financial advisers, Tyler Hill financial advisers, Littlebourne financial advisers, Broadoak financial advisers, Lower Hardres financial advisers, Bekesbourne financial advisers, Chilham financial advisers, Aylesham financial advisers, Harbledown financial advisers, Chartham financial advisers, Faversham financial advisers, Bridge financial advisers, Chartham Hatch financial advisers, Rough Common financial advisers, Sturry financial advisers, Hoath financial advisers and more. Most of these towns and villages are serviced by local financial advisers. Canterbury residents can get quotations by clicking here.
Canterbury Financial Advice Services
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Financial Advisors Around Canterbury: Over the past 12 months financial advice was provided in these Canterbury streets: St Martins Close, Blean Hill, The Maltings, Deansway Avenue, Town Lane, The Elders, Davidson Road, Brice Avenue, St Martins Hill, Black Griffin Lane, Stephenson Road, Discovery Walk, Sleigh Road, St Nicholas Road, Denne Manor Lane, Clowes Court, Beverley Road, The Sycamores, St Marys Street, The Crescent, Church Wood Close, The Forstal, Sandy Lane, Strangers Close, Cave Lane, St Lawrence Forstal, Tennyson Avenue, South Street, Donkey Lane, and in these Kent postcodes: CT1 1HE, CT1 1QG, CT1 1JN, CT1 1BG, CT1 1LP, CT1 1GR, CT1 1BW, CT1 1AN, CT1 1NJ, CT1 1EW. Folks in these areas recently required help from a financial adviser. Canterbury residents enjoyed trusted and competent financial services on every occasion.
More Canterbury Services: Needless to say, when you happen to be looking at your finances in Canterbury, Kent, you'll likely be in need of all types of different services and as well as a financial adviser in Canterbury, Kent, you might additionally need wills in Canterbury, tax preparation in Canterbury, debt recovery & collection in Canterbury, mortgage brokers in Canterbury, business consulting in Canterbury, investment advisors in Canterbury, estate planning in Canterbury, property law & conveyancing in Canterbury, family lawyers in Canterbury, accountants in Canterbury, contracts lawyers in Canterbury, business financial planning in Canterbury, solicitors in Canterbury, bookkeeping in Canterbury, payroll services in Canterbury, banruptcy lawyers in Canterbury, mortgage advice in Canterbury, and other different Canterbury experts.
Financial Adviser Canterbury
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Financial Advisers CanterburyMore Kent Financial Advisers: More Kent financial advisers: Swanscombe, Staplehurst, Sevenoaks, Broadstairs, Birchington-on-Sea, Southborough, Lydd, Biggin Hill, Pembury, Northfleet, Sandwich, Bearsted, Sheerness, Snodland, Whitstable, Aylesford, Westerham, Wilmington, New Romney, Boxley, Deal, Minster, Herne Bay, Rochester, Hartley, Tonbridge, Sturry, Dartford, Westgate-on-Sea, Faversham, Sittingbourne, Margate, Edenbridge, Walmer, Canterbury, Meopham, Maidstone, Paddock Wood, Folkestone, Ashford, Gravesend, East Malling, Gillingham, Tenterden, Dover, Kingsnorth, West Kingsdown, Ramsgate, Strood, Chatham, Swanley, Cranbrook and Tunbridge Wells.
Independent financial advisers in CT1 area, 01227.
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