Financial Advisers Gravesend Kent: Locating a reliable financial adviser adviser in the Gravesend area can be a daunting experience, particularly if you are needing financial advice for the first time. Whether you're searching for investment, pension, mortgage or even insurance advice, all qualified financial advisers have one thing in common; they all have to conform to the regulations laid down by the Financial Conduct Authority. Any advice given from a FCA certified financial adviser in Gravesend comes with the guarantee that if anything should go wrong, you can contact the Financial Services Compensation Scheme or the Financial Ombudsman Scheme.
Family and friends recommendations can be a decent starting place in choosing a financial adviser in Gravesend, but bear in mind that their situation could be different to what you are looking for. Financial advice must be individually tailored to your particular circumstances, and you'll discover that certain financial advisers may not be suitable for your requirements. Choosing a financial adviser is an important decision and it pays to speak with at least 3 different firms so as to explore the various options they can offer, and to find one you feel comfortable with and can trust.
Independent financial advisers and restricted advisers, are the two principal kinds of financial adviser in Gravesend. Offering a more extensive range of options, an IFA will not be restricted to a single provider's services and products. Covering the full gamut of financial companies and products, independent financial advice must be offered in an impartial and unbiased way to clientele. This will enable you to choose from the widest possible range of services to match your needs. A restricted adviser may be focused on an individual product, as with a mortgage adviser, or be restricted to services and products from one particular firm.
The FCA requires that any Gravesend financial adviser must discuss their charges with you, before taking you on as a client. Contingent on the type of product you require, you could be charged by the hour, a set fee or perhaps even a percentage of your investment value. A free preliminary consultation might be offered, so you can discuss your aims and situation to determine whether the adviser is the right fit. In some of the bigger Gravesend companies, you could find that your account is handled by a team as opposed to an individual.
To summarise your ambitions and financial situation to the advising company, you'll have to fill out a "Fact Find" document, which is a confidential disclosure form. A Key Facts or Initial Disclosure Document will also be handed to you, providing details about the financial advisers themselves, detailing their range of permissions in the financial market and their situation for offering restricted or independent advice. If you aren't happy with the service, and wish to submit a complaint, this document will also lay out your own rights and the possible options you can take. It should be easy to understand, written in layman's terms, and explain precisely what you are committing yourself to, together with the risks and benefits of taking the proffered advice. The cooling-off period should also be explained in this Key Facts Document. Within a specific period of time, this allows you to cancel your contract with the financial adviser.
When speaking to the financial adviser initially you need to check their qualifications and experience. After all you're about to entrust your long-term financial wellbeing to their skill, so you shouldn't be self-conscious about asking these questions. A Level 4 qualification is the minimum required qualification for any financial adviser in Gravesend, and they also have to be able to show an annual Statement of Professional Standing. When checking the Financial Services Register, you don't need to freak out if your financial adviser's name does not appear on there; you should be able to find the company name, and this means that the legislation covers all of their advisers. The individual can still offer financial guidance as opposed to advice, if these cannot be presented. Guidance differs to advice as it isn't regulated, and if errors are made there will likely be no recourse to the client.
You will be asked about the level of risk you are ready and able to accept, if you are seeking advice on investments. High risk investments could potentially offer higher rewards, but all or some of your cash could be lost. In order to get the most effective investment and financial advice, your savings aims will need to be considered, i.e. how much money you want to invest, short or long term investments and how quickly you need to access your money. One question you should ask yourself, which is often neglected, is just how much you can afford to lose. Referred to as your 'capacity for loss', this will very likely influence the services and products that you are offered.
You must tell your financial adviser about any existing savings, mortgage loans, investments or regular outgoing payments. They will need this information, so that they can get a picture of your finances and give the best advice for you. Diversifying your investments and savings by spreading the risk load across different products, is a vital part of reliable financial advice. So as to match your financial situation and goals, a certified financial adviser in Gravesend will understand the best areas to consider.
A financial adviser will lay bare 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 able to come to an informed and educated decision. If environmental issues are important to you, you could perhaps ask that ethical savings and investments take top priority. This allows you to support organisations and firms that match your concerns, e.g. green energy or zero carbon, or perhaps keeping away from investments that don't meet your standards.
Working together with your financial adviser in Gravesend can be tricky to fit in around work and other commitments. To allow you to seek advice at times that suit you, one-on-one appointments can be backed up with video conferencing and phone calls. Even if you rarely have a face-to-face meeting with your adviser, a competent financial advice company in Gravesend will have strict measures in place to keep your details confidential and secure, because working from home and remote working is now a large part of our society.
COMPLAINTS
The value of your investments can go down as well as up, and this is a factor that you must always keep in mind. If your investment isn't making the amount of money you hoped for, it can be extremely worrying and demoralising. However, unless it's down to incorrect or misleading information from your financial adviser, a downward spiral in your investment is not a recognised cause for complaint.
Any complaints should commence with the firm's official complaints procedure as indicated in the Key Facts Document. If the financial adviser is registered with the FCA, you can let the Financial Ombudsman know about the problem if it remains unsolved within the timeframe laid down by the regulating body.
The Financial Ombudsman will independently review the cause of the complaint and come to a decision. If the complaint is justified, a decision is made on how to rectify the situation or financially compensate the customer. The adviser and their company must comply with any decision that is made, which becomes a legally binding decision once the customer has agreed to it. The Ombudsman will also take into account any distress, inconvenience, hassle and annoyance caused to the customer during the dispute, and fix the level of compensation accordingly.
Financial advice can be provided in Gravesend and also in: Bean, Chalk, Istead Rise, Northfleet Green, Shorne, Strood, Swanscombe, Cobham, Higham, Hook Green, Stone, Ebbsfleet, Singlewell, Denton, Southfleet, Milton, Northfleet, Greenhithe, Longfield, and in these postcodes DA11 0SB, DA11 0PR, DA11 0HH, DA11 0HZ, DA11 0QD, DA11 0DQ, DA11 0LU, DA11 0PT, DA11 0RR, DA11 0RH. Local Gravesend financial advisers will probably have the phone code 01474 and the postcode DA11. Checking this out can ensure you access local financial advisers. Gravesend homeowners will be able to benefit from these and numerous other similar services.
Financial Advice Enquiries Kent
Recent Kent financial advice enquiries: Felix Maloney from East Peckham recently asked about family income benefit. Zach Mullen from Eccles recently asked for information on equity release. Joel Hussein and Harley Hussein from Queenborough, Kent recently asked for information on mortgages. Mr and Mrs Mcintyre from Westgate on Sea recently enquired about financial planning. Vlad Mistry in Sissinghurst, Kent recently asked about getting financial advice. Effie Chase and Jesse Chase from Borden, Kent recently asked for information on pensions. Eshaal Marlow and Rueben Marlow in Sholden, Kent recently enquired about equity release. Isaiah and Lina Hutchison from Broad Oak recently enquired about pension advice. All these local people did a search for "financial advisors Kent" and noticed this webpage on Google, Yahoo or Bing.
A Financial Advisor's Day to Day Duties
- Consistently updating customers concerning their investments.
- Keeping fully abreast of regulation changes and new products.
- Talking with clients about their plans and finances.
- Researching financial products and explaining them clearly and simply to customers.
- Making deals with with providers of financial products.
- Keeping detailed records of transactions and customers.
- Working in collaboration with peers to gather statistics, trends and market information.
- Providing counselling, education and consultation with regards to investments and finances.
- Meeting targets for sales and performance.
- Producing comprehensive financial reports.
Gravesend Financial Advice Services
There are a whole host of services that are provided by your local Gravesend financial advisor including ISA's in Gravesend, pension reviews, pension drawdowns, retirement advice, financial advice services, trusts, stakeholder pensions, life assurance advice, offshore investments, cash flow modelling in Gravesend, critical illness cover, mortgage advice, annuities, general financial planning, investing an inheritance, income protection, personal financial planning Gravesend, bereavement benefit advice in Gravesend, personal pensions Gravesend, equity release advice in Gravesend, mutual funds Gravesend, multi-asset portfolios, money planning, divorce financial planning, wealth management, savings advice, will writing services, financial analyst services, annuity purchases Gravesend, cheap financial advice Gravesend, and lots more. These are just a small portion of the activities that can be conducted by local financial advisers. Gravesend professionals will keep you informed about their entire range of financial services.
Financial Advisers Near Gravesend
Also find: Singlewell financial advisers, Bean financial advisers, Longfield financial advisers, Greenhithe financial advisers, Chalk financial advisers, Hook Green financial advisers, Denton financial advisers, Milton financial advisers, Ebbsfleet financial advisers, Swanscombe financial advisers, Stone financial advisers, Cobham financial advisers, Northfleet financial advisers, Istead Rise financial advisers, Northfleet Green financial advisers, Strood financial advisers, Higham financial advisers, Southfleet financial advisers, Shorne financial advisers and more. The majority of these locations are catered for by local financial advisers. Gravesend residents can get price quotes by clicking here.
Gravesend Financial Advice Services
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Financial Advisors Around Gravesend: Some Gravesend areas and roads where financial advice has recently been given - Arnold Road, Sirdar Strand, St Benedicts Avenue, St Albans Gardens, Colyer Road, Cygnet Gardens, David Street, Cumberland Avenue, Sapho Park, Chequers Close, Sallows Shaw, Denton Court Road, Taunton Vale, Springhead Road, The Parade, The Medlars, Constable Road, Church Street, Dudley Road, Sandown Road, Templar Drive, The Downage, Smarts Road, Chestnut Close, Chadwick Close, Carters Row, Bader Walk, Christchurch Road, as well as these local Gravesend postcodes: DA11 0SB, DA11 0PR, DA11 0HH, DA11 0HZ, DA11 0QD, DA11 0DQ, DA11 0LU, DA11 0PT, DA11 0RR, DA11 0RH. People in these areas recently requested help from a financial adviser. Gravesend residents benefited from trusted and reliable financial services.
More Gravesend Services: Naturally, when you are looking at your finances in Gravesend, Kent, you will likely be in need of all kinds of different services and as well as a financial adviser in Gravesend, Kent, you could also need will writing in Gravesend, property law & conveyancing in Gravesend, investment advisors in Gravesend, mortgage brokers in Gravesend, payroll services in Gravesend, mortgage advice in Gravesend, business financial planning in Gravesend, debt recovery & collection in Gravesend, business consulting in Gravesend, family lawyers in Gravesend, bookkeeping in Gravesend, estate planning in Gravesend, contracts lawyers in Gravesend, solicitors in Gravesend, tax preparation in Gravesend, accounting in Gravesend, banruptcy lawyers in Gravesend, and other different Gravesend experts.
Financial Adviser Gravesend
Independent Financial Adviser Near Gravesend
Financial Advisers GravesendMore Kent Financial Advisers: More Kent financial advisers: Herne Bay, Meopham, Faversham, Chatham, Folkestone, Swanscombe, Hartley, Wilmington, Gravesend, Westgate-on-Sea, Strood, Tonbridge, Cranbrook, Tenterden, Ramsgate, East Malling, Gillingham, Deal, Dartford, Birchington-on-Sea, Canterbury, Margate, Southborough, Pembury, Boxley, Bearsted, Sheerness, Sandwich, Rochester, Snodland, Maidstone, Aylesford, Staplehurst, Whitstable, Minster, New Romney, Dover, Swanley, Broadstairs, Northfleet, Sevenoaks, Walmer, Edenbridge, Kingsnorth, Ashford, Paddock Wood, West Kingsdown, Biggin Hill, Tunbridge Wells, Westerham, Lydd, Sittingbourne and Sturry.
Independent financial advisers in DA11 area, telephone code 01474.
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