Financial Advisers Kingston upon Thames

Financial Advisers Kingston upon Thames Greater London: If you are in search of financial advice for the first time, trying to locate a first-rate independent financial adviser in Kingston upon Thames can be a quite daunting experience. Whether you're looking for mortgage, investments, pension or even insurance guidance, all qualified financial advisers are bound by one common rule; they all have to follow the regulations of the Financial Conduct Authority (FCA). This comes with certain guarantees, so after getting advice from a FCA certified financial adviser in Kingston upon Thames, you can seek recompense from the Financial Ombudsman or the Financial Services Compensation Scheme, if if things go awry.

When choosing a financial adviser in Kingston upon Thames, a good place to begin could be friends and family, but you must keep in mind that your circumstances might not be the same as theirs, and you may need a different kind of advice. Their advice needs to be personalised to your particular circumstances, and every financial adviser isn't suitable for everyone. It is wise to talk to at least 3 different firms when you're considering a financial adviser, since this is a big decision, and you'll be looking to find one that you feel comfortable with and can trust, and also investigate the options they can provide.

When it comes to picking a financial adviser in Kingston upon Thames, there are basically two principal types; restricted advisers and independent financial advisers (IFA). Offering a wider range of options, an independent financial adviser won't be limited to the products or services of just one company. Independent financial advice should be provided in a frank and unbiased way and should cover the entire spectrum of financial companies and products. This will allow you to select from the widest possible range of products to match your needs. A restricted financial adviser could be limited to services and products from a specific firm, or might even concentrate on a specific product, as can happen with a mortgage adviser.

Before accepting you as a client, any financial adviser must fully discuss their charges with you, as required by the FCA. Although it can vary dependant upon the type of service or product you're interested in, there may be a set fee, an hourly rate, or you may even be charged a percentage of what you are investing. To discuss your goals and find out if the adviser is the proper choice for your circumstances, a free initial consultation may be offered. Your account may be looked after by a team as opposed to a single adviser, if you elect to go to one of the bigger companies in Kingston upon Thames.

To describe your ambitions and financial situation to the advising firm, you'll have to fill out a "Fact Find" document, which is a confidential disclosure form. To provide information about the financial adviser, their status to offer restricted or independent advice and their range of permissions in the financial market, you will also be given a Key Facts or Initial Disclosure Document. Your own rights will also be laid out in this document, together with the options you can take if you want to make a complaint because you aren't satisfied with the service you're given. It should detail what you are signing up for, and any potential benefits and risks if you elect to take the advice offered, and it must be laid out in clear language. You'll find the level of cooling-off period in this document. This enables you to have a change of heart within a specific time frame, and cancel your contract with the financial adviser.

When speaking with the financial adviser initially you need to check their experience and qualifications. Asking such questions should never be a cause for embarrassment, because after all you're entrusting them with your financial future. All Kingston upon Thames financial advisers must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. You should not panic if your particular adviser's name does not show up on the Financial Services Register, as long as the company is on the register, their advisers are covered by the legislation. If they are unable to supply this evidence, the person cannot offer advice but only financial guidance. Guidance is not subject to regulations in the same way as financial advice, meaning that if mistakes occur the client won't have any recourse.

If it's investing money that you're interested in, your adviser will need to know the amount of risk you might be ready and able to take with your hard-earned cash. High risk investments may offer bigger rewards, but all or some of your capital could be lost. Your savings goals must be taken into account if decent investment and financial advice is to be given, i.e. how quickly you need access to your money, how much you have to invest and short or long term investments. You must always ask yourself the one vital question, how much money can you truly afford to lose. This could influence the products and services that you are offered, and is sometimes referred to as your 'capacity for loss'.

You need to let your financial adviser know about your existing mortgages, regular outgoings, investments or savings. To make certain that you receive the best advice for you, they need to have a full and clear picture of your finances. Spreading the risk load across various products through the diversification of your investments and savings, is something that good financial advice should encompass. With a knowledge of the best areas to consider, a professional financial adviser will concentrate on products that match your financial circumstances and goals.

A financial adviser will throw open the multifaceted world of finance, and try to communicate in as plain a speech as possible. You should be in a position to make an informed decision after you have learned about the various services and products which meet your needs. If you are mind is firmly on the environment, you can perhaps ask your financial adviser to stick to ethical savings and investment schemes. You can then stay away from businesses that firms meet your criteria, and instead support those companies and businesses that address your concerns, for instance zero carbon or renewable energy.

It may prove challenging to manage your work and other obligations around working closely with a financial adviser in Kingston upon Thames. One-on-one meetings can be complemented with phone calls and video conferencing to allow you to get advice at times that suit you. Even if you hardly ever have a face-to-face meeting with your adviser, a professional financial advice company in Kingston upon Thames will have rigorous measures in force to keep your details secure and confidential, because working from home and remote working is now a large part of our society.

COMPLAINTS

Investments can go down as easily as they can go up, as the financial world can be a volatile one. If it happens that your investment fails to make as much money as you hoped for, it can be an extremely worrying and demoralising time. A downward spiral in your investment isn't seen as a basis for complaint, unless your adviser has supplied you with misleading or wrong information.

As described in the Key Facts Document, any grievances should begin with the company's complaints procedure. If the issue remains unresolved within the time-frame laid down by the regulating body, and your financial adviser is a member of the FCA, you can advise the Financial Ombudsman.

The Financial Ombudsman will come to a decision after independently reviewing the cause of the complaint. A decision will be made on how to rectify the situation or financially compensate the client, if the complaint is upheld. Once the ruling has been agreed on by the customer it becomes a legally binding decision that the financial adviser and their firm, must abide by. Any inconvenience, hassle, upset and distress caused to the customer during the dispute, will be taken into account when the Financial Ombudsman establishes the level of compensation.

Financial advice can be provided in Kingston upon Thames and also nearby in: Merton Park, West Barnes, New Malden, Teddington, Long Ditton, Ham, Twickenham, Berrylands, Hampton Wick, Kingston Vale, Tolworth, Hampton Court, Wimbledon, Molesey, Surbiton, as well as in these postcodes KT1 1QN, KT1 1HS, KT1 1YF, KT1 1ST, KT1 2DF, KT1 1TP, KT1 1PS, KT1 2BP, KT1 2DZ, KT1 2BB. Locally based Kingston upon Thames financial advisers will likely have the postcode KT1 and the telephone code 020. Verifying this can guarantee you are accessing local financial advisers. Kingston upon Thames home and business owners can utilise these and countless other similar services.

Kingston upon Thames Financial Advice Services

There are a whole host of services which can be provided by your local Kingston upon Thames financial advisor including pension transfers Kingston upon Thames, wealth management & investments, familt controlled trusts, independent financial advice in Kingston upon Thames, equity release advice, bereavement benefit advice Kingston upon Thames, life assurance advice, unit trusts, annuity purchases, divorce planning, money planning, pension advice in Kingston upon Thames, pensions in divorce Kingston upon Thames, multi-asset portfolios, financial planning Kingston upon Thames, mortgage advice Kingston upon Thames, pension reviews, corporate financial planning, general financial planning, pension consolidation, cash flow modelling, pension drawdowns Kingston upon Thames, ethical investment advice in Kingston upon Thames, life insurance advice, portfolio management, savings advice in Kingston upon Thames, stakeholder pensions, corporate bonds, trustee investment services in Kingston upon Thames, inheritance tax planning, and lots more. These are just a selection of the activities that can be carried out by local financial advisers. Kingston upon Thames professionals will be happy to inform you of their entire range of financial services.

Greater London Financial Advisers

In the Greater London area you'll additionally find: Yeading financial advisers, Belgravia investment advisers, Belsize Park investment advisers, St Mary Cray financial advisers, Barbican financial advisers, Harefield investment advice, Maryland investment advisers, Havering financial advisers, High Barnet investment advice, Ruxley financial advisors, Poplar investment advice, East Dulwich investment advisers, Queensbury investment advice, Longford financial advisors, Norbury financial advice, Roehampton investment advice, Forest Hill financial advice, Heston financial advisors, Strawberry Hill investment advisers, Freezywater investment advice, Upminster investment advice, North Kensington financial advisers, Shacklewell financial advisors, Shirley financial advice, St Giles financial advisers, Coulsdon financial advisers, Richmond investment advisers, Forest Hill investment advice, Addiscombe investment advice, Upper Clapton investment advice.

Financial Advisers Near Kingston upon Thames

Also find: Twickenham financial advisers, Wimbledon financial advisers, Kingston Vale financial advisers, West Barnes financial advisers, New Malden financial advisers, Long Ditton financial advisers, Teddington financial advisers, Merton Park financial advisers, Hampton Court financial advisers, Molesey financial advisers, Tolworth financial advisers, Surbiton financial advisers, Berrylands financial advisers, Ham financial advisers, Hampton Wick financial advisers and more. All these places are covered by local financial advisers. Kingston upon Thames residents can get estimates by clicking here.

Kingston upon Thames Financial Advice Services

Find Financial Advisers in Kingston upon Thames Here

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Financial Advisors Around Kingston upon Thames: Households in Bellevue Road, Clarence Street, Cranleigh Gardens, Coombe Ridings, Aldersbrook Drive, Southwood Avenue, Cowleaze Road, Berkeley Close, Chestnut Road, Burnham Street, Dickerage Road, Acre Road, The Cloisters Mall, Chesterton Terrace, Clarence Villas, Deacon Road, Camm Gardens, Cotswold Close, Brook Gardens, Dawson Road, Cowper Road, Sigrist Square, Ayliffe Close, Dudley Road, Debden Close, Claremont Villas, have needed financial advice just recently. Financial advisors have also been active in the following local Kingston upon Thames postcodes: KT1 1QN, KT1 1HS, KT1 1YF, KT1 1ST, KT1 2DF, KT1 1TP, KT1 1PS, KT1 2BP, KT1 2DZ, KT1 2BB. Folks in these areas recently needed the help of a financial adviser. Kingston upon Thames residents were given dependable and top notch financial services on each occasion.

To read local information relating to Kingston upon Thames, Greater London go here

More Greater London Financial Advisers: More Greater London financial advisers: Greenwich, Ealing, Kingston upon Thames, Bexley, London, Harrow, Barnet, Enfield, Richmond upon Thames, Hounslow, Croydon and Bromley.

Independent financial advisers in KT1 area, and dialling code 020.

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