Financial Advisers Folkestone

Financial Advisers Folkestone Kent: Finding a first-rate financial adviser adviser in the Folkestone area can be a daunting experience, in particular if you're needing financial advice for the very first time. Whether it's mortgage, pension, investments or even insurance guidance that you're looking for, there's one common rule for all financial advisers; they all have to comply with Financial Conduct Authority (FCA) regulations. This comes with certain guarantees, so after getting advice from a FCA authorised financial adviser in Folkestone, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman, if if things go wrong.

Friends and relatives recommendations can be a good starting place in picking a financial adviser in Folkestone, but remember that their needs might be different to what you are looking for. Their advice needs to be tailored to your particular situation, and every financial adviser isn't suitable for everybody. It pays to speak with at least 3 different companies when you're picking a financial adviser, because this is a major decision, and you'll be looking to find one that you can trust and feel comfortable with, and also check out the various options they offer.

There are 2 principal kinds of financial adviser in Folkestone; restricted advisers and independent financial advisers (IFA). The benefit of seeing an IFA is that they should not be confined to just one provider's services or products, and can offer a more extensive range of options. Independent financial advice must be given in an impartial and unbiased way and should cover the full spectrum of financial companies and products. This will allow you to select from the widest range of services to match your needs. A restricted adviser could be limited to services and products from a particular company, or might even focus on just one product, as may be the case with a mortgage adviser.

Before any Folkestone financial adviser takes you on as a client, they're required by the FCA to be fully transparent with you about their charges. You could be charged a set fee, by the hour or possibly even a proportion of your investment, depending on kind of services you require. You will sometimes be offered a free preliminary consultation to enable you to discuss your objectives and determine whether the adviser is a right fit for you and your circumstances. Your account might be looked after by a team rather than a single adviser, if you elect to go with one of the larger firms in Folkestone.

You'll be asked to fill out a "Fact Find" form, which is a confidential disclosure document relating your goals and financial situation to the advising company. To provide details about the financial adviser, their status to offer restricted or independent advice and their scope of permissions in the financial arena, you will also be given an Initial Disclosure Document, or Key Facts Document. This document will also lay out your own rights and the possible options you can take if you aren't satisfied with the service provided, and want to submit a complaint. It should describe exactly what you're committing yourself to, and any possible benefits and risks that exist if you opt to accept the advice offered, and it should be set down in plain language. The level of cooling-off period should also be explained in this document. This enables you to cancel the contract within a certain period of time, and whenever any penalty charges have to be paid.

You need to check what experience and qualifications the financial adviser has when you first speak to them. After all you're about to entrust your financial wellbeing to their expertise, so you should not be self-conscious about asking such questions. All Folkestone financial advisers must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. When checking the Financial Services Register, you shouldn't stress if your specific financial adviser's name doesn't appear on there; you should be able to locate the company name, and that means the legislation covers all of their advisers. If these cannot be provided the person can still offer financial guidance rather than advice. Guidance is somewhat different to advice as it is not regulated, and if financial blunders are made there will probably be no recourse to either party.

You'll be asked the level of risk you're prepared to take, if you are seeking advice on investing money. High risk investments may offer bigger rewards, but some or all of your capital could be lost. Good quality financial and investment advice will take into account your savings aims, i.e. how quickly you need access to your funds, short or long term investments and how much capital you want to invest. "How much can you afford to lose?" Is the one important question that you should really be asking yourself. Sometimes referred to as your 'capacity for loss', this will quite likely influence the products and services that you're offered.

If you already have any existing personal savings, mortgages, regular outgoing payments or investments, you should let your financial adviser know about these. To make certain that you get the most appropriate advice for you, they need to have a clear and full picture of your financial circumstances. Reliable financial advice should allow for diversifying your investments and savings by spreading the risk load across a number of different products. Having a knowledge of the best areas to consider, a seasoned financial adviser will focus attention on products that fit in with your goals and financial situation.

Your financial adviser will try to communicate in as plain a speech as possible, while opening up the complex world of finance. After learning about the services and products that match your needs, you should be able to make an informed and deliberative decision. You could perhaps ask your financial adviser only to include ethical investments and savings. You will then be able to keep clear of companies that investments meet your criteria, but instead lend your support to those organisations and companies that address your concerns, for instance zero carbon or green energy.

It may prove challenging to manage your work and other responsibilities around a close working relationship with your financial adviser in Folkestone. This can be reduced by supplementing face-to-face appointments with video conferencing and telephone calls, hence allowing you to get the guidance you need at times that are convenient. Remote and home working is now a large part of our society, and an established financial advice provider in Folkestone will have stringent measures in force to keep your details secure and confidential, even if you rarely have a face-to-face meeting with your personal adviser.

COMPLAINTS

Investments can go down as easily as they can go up, since the financial sector can be unpredictable. If your investment is not making as much money as you were hoping for, it can be extremely stressful and demoralising. However, except if it is owing to wrong or misleading information from your financial adviser, a downward trend in your investment is not a recognised grounds for complaint.

The firm's complaints procedure should be the starting place for any grievances, and the Key Facts Document will explain this. If the financial adviser is registered with the FCA, you can let the Financial Ombudsman know about the issue if it is unresolved within the time schedule laid down by the regulating body.

After reviewing the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. If the complaint is found to be justified, a decision is made on how to rectify or financially compensate the client. The financial adviser and their company must abide by any decision that's made, which becomes a legally binding decision once the client has agreed to it. The Ombudsman will also account for any inconvenience, upset, distress and hassle caused to the client during the process, and fix the level of compensation proportionately.

Financial advice can be provided in Folkestone and also in nearby places like: Palmarsh, Seabrook, Lyminge, Alkham, Capel le Ferne, Hawkinge, Densole, Sandgate, Lower Standen, Elham, Hythe, Cheriton, Stanford, West Hougham, Etchinghill, Church Hougham, Saltwood, and in these postcodes CT19 4EF, CT19 4NX, CT19 4NR, CT19 4BD, CT19 4NB, CT19 4DU, CT19 4BA, CT19 4NN, CT19 4ES, CT19 4PA. Local Folkestone financial advisers will most likely have the telephone dialling code 01303 and the postcode CT18. Verifying this should ensure you are accessing locally based financial advisers. Folkestone property owners will be able to utilise these and various other similar services.

Kent Financial Advice Enquiries

Recent Kent financial advice enquiries: Safaa Rodrigues from Stanhope recently asked for information on offshore investments. Nola Harvey from Cliffe Woods recently enquired about getting financial advice. Pearl and Zachary Emerson from Sandwich recently asked for information on financial planning. Asha Redman and Reuben Redman in West Kingsdown, Kent recently enquired about life assurance. Anastasia and Dev Mcfarlane in Shorne recently asked about investment bonds. Yara Ricci and Frederick Ricci from Lympne, Kent recently asked for information on family income benefit. Mr and Mrs Friend from Barming recently asked about mortgage advice. Meghan and Conrad Dunne in Chestfield, Kent recently asked for information on offshore investments. All these local people conducted a search for "financial advisers Kent" and came across this page on either Yahoo, Google or Bing.

Folkestone Financial Advice Services

There is a range of services which are provided by your local Folkestone financial advisor including stakeholder pensions, tax advice, annuities, financial services Folkestone, savings advice, wealth management & investments, business planning Folkestone, income protection, financial planning Folkestone, critical illness cover, will writing services in Folkestone, cheap financial advice, offshore investment advice in Folkestone, cashflow analysis, financial analyst services, cash flow modelling, investment bonds, corporate bonds Folkestone, life assurance, divorce financial planning, saving for children, investing an inheritance in Folkestone, family income benefit, long term care fee advice, ethical investments Folkestone, corporate financial planning in Folkestone, investment reviews, annuity purchase, mortgage advice, personal protection, and more. These are just some of the tasks that can be performed by local financial advisers. Folkestone professionals will inform you of their entire range of services.

Financial Advisers Kent

In the Kent area you will also discover: Downswood investment advice, Larkfield financial advice, Smeeth investment advice, St Mary in the Marsh financial advisors, Hawkinge financial advisers, Hartley investment advisers, Guston financial advice, Lower Stoke investment advice, Cranbrook financial advice, Plaxtol financial advisors, Istead Rise investment advice, Staplehurst financial advisors, Lenham financial advice, Penshurst financial advice, Saltwood financial advice, Otford investment advice, Bridge financial advice, Horton Kirby investment advice, Dunkirk investment advice, Brabourne investment advice, Woodchurch financial advisers, Bekesbourne financial advisers, Aldington financial advice, Challock investment advice, Broadstairs financial advisers, Newington financial advice, Nonington financial advisers, Lydd investment advice, Littlebourne financial advice, Boxley investment advice.

Financial Advisers Near Folkestone

Also find: Densole financial advisers, Saltwood financial advisers, Cheriton financial advisers, Palmarsh financial advisers, Stanford financial advisers, Lyminge financial advisers, Alkham financial advisers, Capel le Ferne financial advisers, Hawkinge financial advisers, Hythe financial advisers, West Hougham financial advisers, Lower Standen financial advisers, Sandgate financial advisers, Elham financial advisers, Seabrook financial advisers, Etchinghill financial advisers, Church Hougham financial advisers and more. All of these areas are serviced by local financial advisers. Folkestone residents can get financial advice price quotes by going here.

Folkestone Financial Advice Services

Find Financial Advisers in Folkestone Here

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• Folkestone Financial Advice Quotes
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• Folkestone Tax Advice
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• Folkestone Financial Advice

Financial Advisors Around Folkestone: Financial advisors were recently requested by folks living in Coombe Road, St Andrews Close, The Close, Badgers Bridge, The Durlocks, Snowdrop Close, The Riviera, Bonsor Road, Ashley Mill Cottages, Sunningdale Avenue, Croft Lane, St Michaels Street, Skeete Road, Sunnyside Road, Darlinghurst Road, Creteway Close, Channel Close, Court Place, Bolton Road, Cauldham Lane, Bradstone Road, St Johns Church Road, Coach Road, Capel Street, Church Road, Allendale Street, Darby Place and these Folkestone postcodes: CT19 4EF, CT19 4NX, CT19 4NR, CT19 4BD, CT19 4NB, CT19 4DU, CT19 4BA, CT19 4NN, CT19 4ES, CT19 4PA. Folks in these local areas recently needed help from a financial adviser. Folkestone residents enjoyed the benefits of dependable and professional financial services on every occasion.

Information on Folkestone can be located here

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

Independent financial advisers in CT18 area, and dialling code 01303.

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