Financial Advisers Dartford

Financial Advisers Dartford Kent: If you're seeking financial advice for the very first time, trying to locate a reliable independent financial adviser in Dartford can be a quite daunting experience. Whether you are looking for investments, mortgage, pension or even insurance guidance, all financial advisers have one thing in common; they all have to observe the regulations set by the Financial Conduct Authority (FCA). The benefit of this is that if a financial adviser who is FCA approved gives you bad advice, and things go awry, you have guarantees, and are able to contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to have it put right.

Neighbours and friends recommendations can be a decent starting point in selecting a financial adviser in Dartford, but remember that their circumstances might be different to what you are looking for. Their advice needs to be adapted to your unique circumstances, and every financial adviser is not suitable for everyone. To explore the options that they're offering and find a financial adviser that you can trust and feel at ease with, it is wise to talk with at least 3 different firms, because after all choosing a financial adviser is a big decision.

Independent financial advisers and restricted advisers, are the 2 main types of financial adviser in Dartford. Offering a more extensive range of options, an independent financial adviser will not be confined to the services and products of just one provider. Encompassing the entire spectrum of financial products and companies, independent financial advice should be offered in an unbiased and impartial way to clients. Using an IFA should allow you to choose between the broadest possible array of services. If you use a restricted adviser you'll find that they may be restricted to products and services of a single company, or as with a mortgage adviser, might only be involved with one solitary product.

Before any Dartford financial adviser accepts you as a client, they're required by the FCA to be fully transparent with you about their charges. Although it varies in accordance with the type of service or product you're looking for, there could be a set fee, an hourly rate, or you may even be charged a slice of what you are investing. To discuss your aims and find out if the adviser is suitable for you and your situation, a free preliminary consultation might be offered. If you use one of the bigger Dartford companies, your account may be looked after by a team of advisers rather than one person.

Before any actual advice is given you will be asked to complete a confidential disclosure document, known as a "Fact Find" form, which tells the advising company about your financial situation and aims. You should also be handed an Initial Disclosure Document, or Key Facts Document, which provides details about the financial adviser, their status to offer independent or restricted advice and their scope of permissions in the financial sector. Your own legal rights will also be set out in this document, in addition to the possible options you can take if you want to make a complaint because you aren't satisfied with the service provided. It should be typed out in plain English and detail what you're committing yourself to, and any potential risks and benefits if you elect to go along with the advice offered. The allowed cooling-off period should also be fully explained in this document. This enables you to have a change of heart within a certain period of time, and cancel the agreement with your financial adviser.

When speaking with your financial adviser initially you need to check their experience and qualifications. After all you are just about to entrust your financial wellbeing to their skill, so you should not be embarrassed about asking such questions. Every financial adviser in Dartford must be able to present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. If the adviser's name does not appear on the Financial Services Register, you don't need to panic, the company the person works for should be found on the register and their personnel will be covered by the legislation. If they're not able to present this proof, the individual can't offer advice but only financial guidance. Guidance is somewhat different to advice as it is not regulated, and if errors are made there will likely be no recourse to the client.

If it is investments that you are interested in, your adviser will enquire about the amount of risk you are ready and able to take with your hard-earned cash. Most investments carry some element of risk, but high risk investments could offer larger rewards, and also more chance of losing your funds. In order to get the best financial and investment advice, your savings aims will have to be taken into account, i.e. long or short term investments, how quickly you need to access your money and how much you have to invest. You must invariably ask yourself the one vital question, how much can you truly afford to lose. This might affect the products and services that could be offered for your consideration, and is called your capacity for loss.

Right from the start, it's imperative that you tell your financial adviser about any mortgages, regular outgoings, savings or investments that you have. To make certain that you receive the most appropriate advice for you, they need a full and clear picture of your financial circumstances. The diversification of your savings and investments by spreading the risk across a number of different products, is an essential part of sound financial advice. So as to match your financial situation and your goals, a professional financial adviser in Dartford will have the knowledge of the best areas to consider.

A financial adviser will unveil the complex world of finance, and try to converse in the clearest possible way. After comparing the services and products which match your needs, you should be in a position to come to an informed and educated decision. If the environment is at the forefront of your mind, you could perhaps ask that ethical investment and savings schemes take top priority. This allows you to lend support to businesses and firms which match your concerns, i.e. green energy or zero carbon, or perhaps avoiding companies that do not meet your requirements.

It isn't that easy to have a close working relationship with a financial adviser in Dartford without this impacting work and other commitments. This can be reduced by augmenting face-to-face appointments with phone calls and video conferencing, thus enabling you to seek the advice you need at a convenient time. A professional financial advice firm in Dartford will have rigorous measures in place to ensure your details are kept secure and confidential, even if you rarely have a one-on-one meeting with your adviser, because remote and home working is now so common.

COMPLAINTS

Investments can just as easily go down as well as up, since the financial world can be unpredictable. If your investment is not making the amount of money you were hoping for, it can be very demoralising and worrying. Unfortunately, your investment having a downward trend is not a recognised cause for complaint, unless it's owing to wrong or misleading information from your adviser.

The company's official complaints procedure should be the place to start with any grievances, and the Key Facts Document should discuss this. If your adviser is registered with the Financial Conduct Authority, you can let the Financial Ombudsman know about the issue if it remains unresolved within the timeframe stipulated by the regulating authority.

After looking into the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. If the complaint is found to be justified, a decision is made on how to financially compensate the customer. This becomes a legally binding decision as soon as it has been agreed on by the client, and the financial adviser and their firm must abide by the decision. Any distress, inconvenience, trouble and upset caused to the customer during the dispute, will be accounted for when the Financial Ombudsman sets the level of compensation.

Financial advice can be provided in Dartford and also in: Hawley, Hook Green, Sutton at Hone, Bexley, Hextable, Wilmington, Leyton Cross, Greenhithe, Stone, Crayford, North Cray, Darenth, Belvedere, Bexleyheath, Questor, Erith, Swanscombe, Welling, and in these postcodes DA1 1NP, DA1 1SN, DA1 1HP, DA1 1BW, DA1 1DZ, DA1 1NF, DA1 1RX, DA1 1BY, DA1 1LU, DA1 1ET. Local Dartford financial advisers will probably have the postcode DA1 and the dialling code 01322. Checking this out will make certain that you are accessing local financial advisers. Dartford householders will be able to benefit from these and many other similar services. Simply click on the "enquiry" form or banner to get information on financial advisers in your location.

Dartford Financial Advice Services

There is a wide range of services which are provided by your local Dartford financial advisor including unit trusts Dartford, financial analyst services, divorce planning, independent financial advice in Dartford, ethical investments Dartford, savings advice Dartford, bridging finance, offshore investments, saving for children Dartford, equity release advice, personal pensions advice, cheap financial advice, familt controlled trusts, mortgage advice, life assurance advice, corporate financial planning, pension advice, will writing services, investment consolidation advice, multi-asset portfolios in Dartford, inheritance tax planning, pension reviews Dartford, pension transfer advice, personal protection Dartford, income protection Dartford, mutual funds, corporate bonds, business financial planning, cashflow planning, pension planning, and lots more. Listed are just a few of the duties that can be handled by local financial advisers. Dartford professionals will be happy to inform you of their full range of services.

A Financial Advisor's Day to Day Tasks

• Recommending the best-suited financial products to customers.
• Providing counselling, consultation and education regarding investments and finances.
• Working in conjuction with colleagues to gather market information, trends and statistics.
• Meeting targets for sales and performance.
• Updating customers about their investments.
• Talking with customers about their plans and finances.
• Negotiating with providers of financial products.
• Producing financial reports.
• Keeping up to date with new products and legislation changes.
• Keeping detailed records of customers and transactions.

Financial Advisers Near Dartford

Also find: Leyton Cross financial advisers, Bexley financial advisers, Greenhithe financial advisers, Hawley financial advisers, Bexleyheath financial advisers, Questor financial advisers, Hextable financial advisers, Belvedere financial advisers, Crayford financial advisers, North Cray financial advisers, Welling financial advisers, Darenth financial advisers, Swanscombe financial advisers, Stone financial advisers, Erith financial advisers, Hook Green financial advisers, Sutton at Hone financial advisers, Wilmington financial advisers and more. All these towns and villages are served by local financial advisers. Dartford residents can get price quotes by clicking here.

Dartford Financial Advice Services

Find Financial Advisers in Dartford Here

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

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Financial Advisors Around Dartford: Households in The Grange, Dale Road, Bridges Drive, Shepherds Lane, Ashwood Place, The Bungalows, Bow Arrow Lane, Bondfield Walk, Church Hill, Cowdrey Court, Calfstock Lane, Colney Road, The Laurels, The Street, Brooklands, Atlas Road, Sandpit Road, The Rise, The Marlowes, Carsington Gardens, Churchill Close, The Parade, Shellbank Lane, Bridge Close, Spital Street, The Close, Swaisland Drive, Christchurch Road, Ashurst Close, have needed financial advice just recently. Financial advisors have also been active in the following Dartford area postcodes: DA1 1NP, DA1 1SN, DA1 1HP, DA1 1BW, DA1 1DZ, DA1 1NF, DA1 1RX, DA1 1BY, DA1 1LU, DA1 1ET. Folks living in these local areas recently required the help of a financial adviser. Dartford residents benefited from competent and professional financial services in all cases.

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

For local information regarding Dartford, Kent click here

Independent financial advisers in DA1 area, (dialling code 01322).

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