Financial Advisers Gillingham

Financial Advisers Gillingham Kent: Locating a reliable independent financial adviser in Gillingham can be a daunting experience, especially if you're needing financial advice for the very first time. Whether you are looking for mortgage, investments, pensions or even insurance advice, all qualified financial advisers have one thing in common; they all have to conform to the regulations of the Financial Conduct Authority. This comes with certain guarantees, therefore after taking advice from a FCA registered financial adviser in Gillingham, you can seek recompense from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if something should go awry.

A decent starting place in choosing a financial adviser in Gillingham may be friends and relations, but remember that the kind of advice you're searching for may be different to theirs. Every financial adviser is not suitable for everybody, and any advice they provide needs to be adapted to your particular circumstances. To investigate the options that they can provide and find a financial adviser that you feel comfortable with and can trust, it pays to speak to at least 3 different firms, because after all selecting a financial adviser is a major decision.

When you're looking to pick a financial adviser in Gillingham, there are basically 2 principal types; independent financial advisers (IFA) and restricted advisers. The advantage of seeing an IFA is that they won't be confined to the services or products of just one provider, and can offer a more diverse range of options. Covering the entire gamut of financial products and companies, independent financial advice should be given in a frank and unbiased way to clients. If you opt to use an independent financial adviser, you will be able to choose from the widest possible range of products, in order to find the right solution for you. A restricted financial adviser might be involved with a single product, such as a mortgage adviser, or be restricted to services and products from a specific company.

Before accepting you as a client, any Gillingham financial adviser must be transparent about their charges, as required by the Financial Conduct Authority. Depending on the type of service you're looking for, you could be charged a set fee, by the hour or possibly even a proportion of your investment value. A free initial consultation will sometimes be offered, so that you can discuss your aims and circumstances to determine whether the adviser is a good fit. If you use one of the larger Gillingham firms, your account might be looked after by a team of advisers rather than one person.

You will have to fill out a "Fact Find" document, which is a confidential disclosure form relating your aims and financial situation to the advising firm. To provide details about the financial adviser, their status to offer independent or restricted advice and their range of permissions in the financial market, you will also be handed an Initial Disclosure Document, or Key Facts Document. Your own legal rights will also be spelled out in this document, together with your options if you want to complain because you are not happy with the service you are given. It should describe precisely what you're committing yourself to, and any potential benefits and risks that exist should you opt to take the advice offered, and it should be written in clear language. The level of cooling-off period should also be fully explained in this document. Within a specific time period, this makes it possible for you to cancel the contract with your financial adviser.

The first time you are talking to your financial adviser you need to check what qualifications and experience they have. Don't be self-conscious about asking these questions, after all you're on the verge of entrusting your long-term financial wellbeing to their skill. All Gillingham financial advisers must as a minimum hold a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. If your adviser's name doesn't show up on the Financial Services Register, you don't need to panic, the firm 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 person cannot offer advice but only financial guidance. Guidance is different to advice as it is not regulated, and if mistakes are made there will likely be no recourse to either party.

If you are looking for advice on investing money you will be asked about the level of risk you are comfortable with. Many investments carry some degree of risk, but higher risk investments could offer better rewards, but also more chance of losing some or all of your funds. Good investment and financial advice will take you savings goals into consideration, i.e. short or long term investments, how rapidly you need to access your funds and how much you have to invest. "How much can you actually afford to lose?" Is the one important question that you really need to ask yourself. This could influence the services and products that could be offered for your consideration, and is referred to as your capacity for loss.

If you have already got any existing regular payments, investments, mortgages or savings accounts, you'll want to tell your financial adviser about these. This will give a full and clear picture of your current financial situation, and without this the advice you're given might not be the most suitable for you. Spreading the risk across a number of different products through the diversification of your savings and investments, is something that sound financial advice should encompass. In order to mirror your financial circumstances and your goals, a certified financial adviser in Gillingham will have the knowledge of the best products to consider.

A financial adviser will throw open the complex world of finance, and converse in as much plain speech as possible. After learning about the various products and services which match your needs, you should be able to make an informed and deliberative decision. You can perhaps ask your adviser to only include ethical savings and investment schemes. This not only gives you investment opportunities, but also enables you to support zero carbon or green energy projects, and steer clear of companies that do not share the same values.

It can prove tricky to manage your work and other obligations around working closely with a financial adviser in Gillingham. This can be reduced by augmenting face-to-face meetings with phone calls and video conferencing, thus enabling you to seek the advice you need at convenient times. Home and remote working is now a large part of our society, and an established financial advice firm in Gillingham will have stringent measures in force to keep your details confidential and secure, even if you never have a one-on-one meeting with your personal adviser.

COMPLAINTS

You need to remember that the financial sector can be unpredictable, and investment values could just as easily go down as well as up. It can be very worrying and frustrating if your investment is not making the amount of money you hoped for. Regrettably, a downward trend in your investment is not seen as a basis for complaint, except if it's down to incorrect or misleading information from your adviser.

The company's complaints procedure should be the starting position for any disputes, and the Key Facts Document should clarify this. If your adviser is a member of the FCA, you can tell the Financial Ombudsman about the problem if it remains unsolved within the time laid down by the regulating authority.

The Financial Ombudsman will make a ruling after independently reviewing the cause of the complaint. If the complaint is found to be justified, a decision will be made on how to rectify the situation or financially compensate the customer. On acceptance by the customer, the decision becomes a legally binding one, and the financial adviser and their company must abide by it. Any trouble, distress, upset and inconvenience caused to the customer during the situation, will be considered when the Ombudsman fixes the level of compensation.

Financial advice can be provided in Gillingham and also nearby in: Blue Bell Hill, Grange, St Marys Island, Brompton, Hempstead, Wigmore, Walderslade, Frindsbury, Hartlip, Rochester, Luton, Wainscott, Rainham, Chatham, Wouldham, Chattenden, Lower Rainham, and in these postcodes ME7 1FT, ME7 1JD, ME4 4SW, ME4 3LA, ME5 7BD, ME4 4UG, ME7 1AA, ME4 3HD, ME4 4TB, ME7 1LL. Locally based Gillingham financial advisers will most likely have the telephone dialling code 01634 and the postcode ME7. Checking this out can confirm you access locally based financial advisers. Gillingham homeowners will be able to utilise these and numerous other comparable services. Click the "enquiry" banner to get information on financial advisers in your area.

Kent Financial Advice Enquiries

Recent Kent financial advice enquiries: Brian Foran from Wye recently asked for information on family income benefit. Leela and Iwan Moran from Higham, Kent recently enquired about getting financial advice. Gruffydd Beaumont and Aroush Beaumont in Lympne recently asked about getting financial advice. Amayah Adams from Queenborough, Kent recently asked about family income benefit. Mr and Mrs Humphreys in New Ash Green, Kent recently asked for information on investment bonds. Jensen and Kimberley Strong from Crockenhill, Kent recently asked for information on family income benefit. Mr and Mrs Mathers in Hawley, Kent recently asked for information on offshore investments. Leonardo Barclay and Maryam Barclay from Newington recently enquired about family income benefit. All of these local people searched for "financial advisors Kent" and came across this page on Google, Yahoo or Bing.

Gillingham Financial Advice Services

There is a variety of services which can be provided by your local Gillingham financial advisor including pension advice, trustee investment services, portfolio management, tax financial planning Gillingham, will writing services, annuity purchase, life assurance advice Gillingham, cheap financial advice, annuities, mortgage services, pensions in divorce, long term care fee advice, income protection, investment bonds in Gillingham, cashflow planning, retirement advice in Gillingham, savings advice, personal pensions, inheritance tax planning Gillingham, pension plans, pension consolidation Gillingham, divorce financial planning Gillingham, investment consolidation advice Gillingham, financial analyst services, personal financial planning, bridging finance, bereavement benefits, wealth management & investments, business protection, family income benefit, and lots more. Listed are just some of the activities that can be carried out by local financial advisers. Gillingham professionals will tell you about their entire range of services.

Financial Advisers Near Gillingham

Also find: Brompton financial advisers, Chattenden financial advisers, Lower Rainham financial advisers, Blue Bell Hill financial advisers, Hempstead financial advisers, Luton financial advisers, Wainscott financial advisers, Wouldham financial advisers, Frindsbury financial advisers, Rochester financial advisers, Grange financial advisers, Hartlip financial advisers, St Marys Island financial advisers, Rainham financial advisers, Walderslade financial advisers, Chatham financial advisers, Wigmore financial advisers and more. Most of these places are served by local financial advisers. Gillingham residents can get estimates by going here.

Gillingham Financial Advice Services

Find Financial Advisers in Gillingham Here

• Gillingham Wealth Management
• Gillingham Financial Advice
• Gillingham Trustee Investments
• Gillingham Life Insurance Advice
• Gillingham Inheritance Advice
• Gillingham Pension Advice
• Gillingham Tax Advice
• Gillingham Mortgage Advice
• Gillingham Cheap Financial Advice
• Gillingham Financial Services
• Gillingham Corporate Financial Advice
• Gillingham Financial Advice Quotations
• Gillingham Retirement Advice
• Gillingham Investment Advice

Financial Advisors Around Gillingham: In Tomlins Way, Blean Road, Selbourne Road, Camden Road, Balmoral Road, Shorefields, Solomon Road, Tudor Grove, Browns Lane, Brackwood Close, Stirling Close, Allison Avenue, Cherry Amber Close, Brown Street, Charter Street, Smarden Walk, Shepherds Cottages, Church Walk, Buttermere Close, College Avenue, Shreen Close, Chester Road, Avondale Road, Slaughtergate Cottages, Callis Way, The Maltings, Shakespeare Road, The Chase, Deane Avenue, Barton Elms, as well as these Gillingham area postcodes: ME7 1FT, ME7 1JD, ME4 4SW, ME4 3LA, ME5 7BD, ME4 4UG, ME7 1AA, ME4 3HD, ME4 4TB, ME7 1LL, folks have just recently needed financial and investment advice. Folks living in these areas recently required help from a financial adviser. Gillingham residents benefited from professional and dependable financial services on every occasion.

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

Read about Gillingham here

Independent financial advisers in ME7 area, and dialling code 01634.

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