Financial Advisers Dover

Financial Advisers Dover Kent: Locating a good financial adviser adviser in the Dover area can be an intimidating experience, particularly if you are seeking financial advice for the first time. Whether it's mortgage, pension, investment or even insurance guidance that you're after, there's one common rule for all professional financial advisers; they all have to abide by Financial Conduct Authority regulations. Any advice given through a FCA authorised financial adviser in Dover comes with certain guarantees that if things go wrong, you've got access to the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Friends and relatives recommendations can be a decent starting point in selecting a financial adviser in Dover, but remember that their circumstances may be different to the type of advice you are looking for. Every financial adviser is not suitable for everyone, and their advice should be personalised to your unique circumstances. Choosing the right financial adviser is important and it is a good idea to talk to at least 3 different firms in order to investigate the options they provide, and to find one you can trust and feel comfortable with.

There are two main types of financial adviser in Dover; restricted advisers and independent financial advisers (IFA). An independent financial adviser will not be restricted to the products and services of just one company. Independent financial advice should cover the whole gamut of financial companies and products, and must be offered in an impartial way. Using an IFA should allow you to pick from the widest possible range of products. If you go to a restricted financial adviser you will soon realise that they might be restricted to products and services of one particular provider, or as with a mortgage adviser, may only be focused on one product.

The Financial Conduct Authority requires that any Dover financial adviser must discuss their charges with you, before accepting you as a client. Determined by the kind of services you are looking for, you could be charged by the hour, a set fee or perhaps even a percentage of your investment value. You could be offered the chance of a free preliminary consultation to enable you to discuss your objectives and see if the adviser is a right fit for your situation. In some larger Dover firms, you may find that your account is being handled by a team rather than an individual.

To summarise your ambitions and financial situation to the advising company, you will be required to fill in a "Fact Find" form, which is a confidential disclosure document. To provide information regarding the financial adviser, their situation for offering restricted or independent advice and their range of permissions in the financial arena, you'll also be handed a Key Facts Document, or Initial Disclosure Document. Your rights will also be spelled out in this document, together with the possible options you can take if you need to complain because you're not happy with the service you are given. It has to be written in plain language and describe what you are committing yourself to, and any possible benefits and risks if you choose to accept the advice offered. You'll find the amount of cooling-off period in this document. This permits you to cancel your agreement within a specific time period, and whenever any penalty charges have to be paid.

When chatting with your financial adviser initially you should check their qualifications and experience. You shouldn't be self-conscious about asking such questions, after all you are about to entrust your financial wellbeing to their expertise. Every Dover financial adviser must be able to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. If your adviser's name does not show up on the Financial Services Register, you don't need to freak out, the company the individual works for should be found on the register and their advisers are all covered by the regulations. If they are not able to supply these accreditations, the individual cannot offer advice but can offer financial guidance. Guidance isn't subject to regulations in the same way as financial advice, which means that if errors are made neither party will have any recourse.

If it is investing money that you're interested in, the adviser will need to know the amount of risk you might be willing to accept with your hard-earned cash. High risk investments may offer better rewards, however all or some of your funds could be lost. Your savings goals will need to be taken into account if good investment advice is to be given, i.e. how quickly you need to access your money, long or short term investments and how much you wish to invest. You should always ask yourself the one important question, how much money can you truly afford to lose. This is generally known as your capacity for loss and could affect the products and services that may be offered for your consideration.

From the outset, it is imperative that you tell your financial adviser about any mortgage loans, investments, savings or regular outgoing payments that you currently have. To ensure that you receive the best advice for you, they need to gather a clear and full picture of your finances. Spreading the risk across different products by diversifying your savings and investments, is something that smart financial advice should embrace. In order to reflect your goals and financial circumstances, a certified financial adviser in Dover will understand the best areas to consider.

Your financial adviser will attempt to communicate in as much plain speech as possible, to lay bare the multifaceted world of finance. After comparing the products and services that match your needs, you should be able to make an informed and calculated decision. You could maybe ask your adviser to only specify ethical investments and savings. This will allow you to give your support to companies and enterprises that address your concerns, i.e. renewable energy or zero carbon, or perhaps steering clear of companies that don't meet your standards.

It's not always easy to have a close working relationship with a financial adviser in Dover without this impacting your work and other responsibilities. This can be reduced by augmenting face-to-face meetings with video conferencing and telephone calls, hence allowing you to get the guidance you need at times that are convenient. Even if you never have a face-to-face meeting with your personal adviser, a competent financial advice firm in Dover will have rigorous measures in force to keep your details confidential and secure, because home and remote working is now so common.

COMPLAINTS

You have to keep in mind that the financial sector can be unpredictable, and the value of your investments could just as easily go down as well as up. It can be extremely stressful and frustrating if your investment is not making as much money as you hoped for. However, except if it is down to incorrect or misleading information from your financial adviser, a downward trend in your investment is not a recognised basis for complaint.

The firm's official complaints procedure should be the best place to start with any disputes, and the Key Facts Document will clarify this. You can tell the Financial Ombudsman about the issue if it is unsolved within the time schedule laid down by the regulating body, and the financial adviser is a member of 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 customer. The financial adviser and their company must comply with any decision that is made by the Ombudsman, which becomes legally binding once the client has accepted it. The Ombudsman will also account for any inconvenience, hassle, distress and annoyance caused to the customer during the dispute, and establish the level of compensation accordingly.

Financial advice can be provided in Dover and also in nearby places like: Swingate, Guston, Maxton, Shepherdswell, West Hougham, Temple Ewell, Whitfield, Capel le Ferne, Tower Hamlets, River, Ringwould, Church Hougham, St Margarets at Cliffe, Farthingloe, Buckland, Alkham, as well as in these postcodes CT16 1ES, CT16 1PE, CT15 7AB, CT16 1NX, CT16 1RH, CT16 1QQ, CT16 1DS, CT16 1LJ, CT16 1HF, CT16 1PY. Locally based Dover financial advisers will probably have the postcode CT16 and the dialling code 01304. Checking this out can ensure you access locally based financial advisers. Dover property owners will be able to benefit from these and lots of other similar services. Click on the "enquiry" banner or form to get details about financial advisers in your area.

Dover Financial Advice Services

There are a wide range of services that are provided by your local Dover financial advisor including ISA's, critical illness cover, familt controlled trusts Dover, life assurance advice Dover, investment consolidation advice, stakeholder pension advice, retirement planning, tax financial planning, cash flow modelling Dover, pension advice, pension reviews in Dover, divorce financial planning, unit trusts, inheritance tax planning Dover, offshore investments, pension consolidation advice, general financial planning, saving for children, long term care fee advice Dover, portfolio management, money planning, death benefit advice, wealth management & investments, ethical investment advice, mutual funds, financial analyst services in Dover, corporate financial planning, independent financial advice, cashflow planning, savings advice, and more. These are just a handful of the activities that can be accomplished by local financial advisers. Dover professionals will inform you of their entire range of services.

Kent Financial Advisers

In the Kent area you can likewise get: Sandwich financial advisors, Brabourne Lees investment advisers, Riverhead financial advisors, Chestfield financial advisors, Hoo St Werburgh financial advisers, Istead Rise investment advisers, Dunton Green financial advisors, Temple Ewell investment advisers, Temple Ewell investment advice, Sandhurst financial advisors, Harrietsham financial advice, Harbledown financial advisers, Culverstone Green financial advice, Warden financial advice, Ash financial advice, Bapchild financial advisers, Nettlestead financial advisers, Sandwich financial advisers, Snodland financial advisors, Marden investment advice, Coldred financial advisers, Singleton financial advisors, Guston investment advisers, Challock investment advice, Nettlestead financial advisers, Aylesham investment advisers, Snodland investment advice, Hextable investment advice, Shorne investment advisers, Shepherdswell financial advice.

Financial Advisers Near Dover

Also find: Swingate financial advisers, Alkham financial advisers, Capel le Ferne financial advisers, Whitfield financial advisers, Farthingloe financial advisers, West Hougham financial advisers, Shepherdswell financial advisers, Temple Ewell financial advisers, River financial advisers, Guston financial advisers, Tower Hamlets financial advisers, St Margarets at Cliffe financial advisers, Church Hougham financial advisers, Buckland financial advisers, Ringwould financial advisers, Maxton financial advisers and more. All these areas are covered by local financial advisers. Dover residents can get financial advice quotations by clicking here.

Dover Financial Advice Services

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Financial Advisors Around Dover: Folks who live in the following streets and roads have just recently inquired about financial advice - Stonyway Lane, Cowgate Hill, The Rise, The Grove, Durham Close, Beaconsfield Avenue, Cleveland Close, Bridleway, Crooks Court Lane, The Terrace, The Lane, Shooters Hill, Balfour Road, Dodds Lane, St Davids Avenue, Common Hill, Cranleigh Drive, Castle Drive, Curzon Road, Citadel Crescent, St Martins Close, Adelaide Road, Connaught Barracks, Stoneheap Road, The Drove, St James Street, as well as the following Dover area postcodes: CT16 1ES, CT16 1PE, CT15 7AB, CT16 1NX, CT16 1RH, CT16 1QQ, CT16 1DS, CT16 1LJ, CT16 1HF, CT16 1PY. People residing in these areas recently required help from a financial adviser. Dover residents received reliable and top notch financial services on each occasion.

Dover: For lots more about Dover take a look here

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

Independent financial advisers in CT16 area, phone code 01304.

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