Financial Advisers Sittingbourne

Financial Advisers Sittingbourne Kent: Finding a reliable independent financial adviser in the Sittingbourne area can be a daunting experience, especially if you are seeking financial advice for the very first time. Whether it is investments, pensions, mortgage or even insurance guidance that you're looking for, there's one common rule for all qualified financial advisers; they must all adhere to FCA (Financial Conduct Authority) regulations. Any advice given through a FCA certified financial adviser in Sittingbourne comes with certain guarantees that if things go wrong, you've got access to the Financial Services Compensation Scheme or the Financial Ombudsman.

Recommendations from family and friends can be a good starting point in picking a financial adviser in Sittingbourne, but bear in mind that their circumstances may be different to the sort of advice you're looking for. Every financial adviser isn't suitable for everyone, and any advice they provide needs to be adapted to your unique situation. Choosing a financial adviser is a major decision and it is wise to speak to at least three different companies so as to check out the various options they provide, and to find one you feel comfortable with and can trust.

There are two main kinds of financial adviser in Sittingbourne; restricted advisers and independent financial advisers (IFA). The benefit of using an independent financial adviser is that they won't be restricted to the services or products of just one provider, and can offer a more extensive range of options. Independent financial advice should be given in an honest and unbiased way and across the whole spectrum of financial products and companies. Using an independent financial adviser should permit you to select from the widest possible range of products. A restricted adviser could be concerned with an individual product, as with a mortgage adviser, or be restricted to products and services from a particular firm.

Before any financial adviser accepts you as a client, they are required by the FCA to be transparent about their charges. You could be charged by the hour, a set fee or even a proportion of your investment value, subject to type of service you're interested in. A free first consultation may be offered, so you can discuss your goals and circumstances to see if the adviser is a good fit. Your account may be managed by a team as opposed to one individual adviser, if you choose to go with one of the larger Sittingbourne firms.

Before any financial advice is given you'll be required to fill in a confidential disclosure form, known as a "Fact Find" document, which informs the advising company about your financial situation and ambitions. You'll also be given an Initial Disclosure Document, or Key Facts Document, which gives you information on the financial adviser, their situation for offering restricted or independent advice and their range of permissions in the financial market. If you aren't satisfied with the service, and wish to submit a complaint, this document will also lay down your legal rights and the options you can take. It must be written in plain English and outline what you are committing yourself to, and any possible risks and benefits should you elect to go along with the offered advice. You will find the level of cooling-off period in this document. This permits you to cancel your agreement within a specific number of days, and whenever any penalties have to be paid.

The first time you're chatting with the financial adviser you need to check what qualifications and experience they've got. After all you're on the verge of entrusting your financial future to their expertise, so you shouldn't be self-conscious about asking these questions. Every Sittingbourne financial adviser must be able to present an annual Statement of Professional Standing, and must hold at least 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 will almost certainly be on the register and their advisers are all covered by the legislation. The individual can still offer financial guidance rather than advice, if these cannot be provided. Guidance differs to advice as it is not regulated in the same way, and if errors occur there may be no recourse to either party.

You'll be asked about the amount of risk you're ready and able to take on, if you are seeking advice on investing money. Many investments carry some degree of risk, but high risk investments could offer higher rewards, and also more chance of losing your money. Your savings aims will have to be taken into account if good quality investment advice is to be given, i.e. short or long term investments, how quickly you need to access your money and how much you have to invest. "How much money can you actually afford to lose?" Is the one question that you really need to ask yourself. This is referred to as your 'capacity for loss' and might influence the products and services that are offered for your consideration.

You'll want to let your financial adviser know about your existing investments, personal savings, mortgages or regular payments. To make certain that you get the most suitable advice for you, they need a full and clear picture of your finances. The diversification of your savings and investments by spreading the risk across various different products, is a crucial part of good quality financial advice. In order to match your goals and financial circumstances, a competent financial adviser in Sittingbourne will be aware of the best products to consider.

Communicating in the plainest speech possible, your financial adviser will unveil the multifaceted world of finance and investment. After learning about the various products and services which meet your needs, you should be in a position to make an informed and educated decision. If environmental issues are at the forefront of your mind, you could perhaps ask that ethical investment and savings schemes take precedence. This not only provides you with investment opportunities, but also enables you to support zero carbon or renewable energy projects, and steer clear of those that don't share the same values as you do.

It can prove challenging to manage your work and other commitments around working closely with a financial adviser in Sittingbourne. To allow you to seek advice at times that suit you, one-on-one appointments can be augmented with phone calls and video conferencing. Any experienced financial advice firm in Sittingbourne will have rigorous measures in place to keep your details secure and confidential, even if you never have an in-person meeting with your personal adviser, because remote and home working is now so common.

COMPLAINTS

Investment values can drop as well as rise, and this is something that you need to keep in mind. If your investment fails to make as much money as you were hoping for, it can be quite worrying and frustrating. A downward spiral in your investment isn't a recognised basis for complaint, unless your adviser has given you misleading or wrong information.

The company's official complaints procedure should be the kick off point for any grievances, and the Key Facts Document will discuss this. You can tell the Financial Ombudsman about the problem if it remains unsolved within the time-frame laid down by the regulating body, and your financial adviser is registered with the Financial Conduct Authority.

The Financial Ombudsman will look into the cause for complaint and come to a decision. A decision will be made on how to financially compensate the customer, if the complaint is upheld. The adviser and their company must comply with any ruling that's made by the Ombudsman, which becomes legally binding as soon as the client has agreed to it. Any compensation fixed by the Financial Ombudsman will also account for any distress, inconvenience, annoyance and trouble caused to the client during the process.

Financial advice can be provided in Sittingbourne and also in: Milton Regis, Chalkwell, Snipeshill, Murston, Rainham, Bapchild, Bobbing, Highsted, Tonge, Milstead, Kemsley, Upchurch, Rodmersham, Borden, Oad Street, Tunstall, Chestnut Street, Rodmersham Green, together with these postcodes ME10 1JJ, ME10 1EW, ME10 1EX, ME10 1NH, ME10 1BS, ME10 1SG, ME10 1DR, ME10 1HS, ME10 1LH, ME10 1JA. Locally based Sittingbourne financial advisers will most likely have the phone code 01795 and the postcode ME9. Checking this will guarantee that you access local financial advisers. Sittingbourne property owners are able to benefit from these and various other similar services. Click on the "enquiry" banner or form to get info on financial advisers in your area.

A Financial Advisor's Everyday Duties

• Keeping fully abreast of regulation changes and new financial products.
• Recommending the financial products that are best-suited to customers.
• Providing education, consultation and counselling regarding investments and finances.
• Updating clients about their investments.
• Working in conjuction with colleagues to obtain trends, statistics and market information.
• Producing comprehensive financial reports.
• Keeping a record of transactions and clients.
• Talking with customers regarding their finances and plans.
• Making advantageous deals with with financial product providers.
• Meeting sales and performance targets.

Sittingbourne Financial Advice Services

There are a number of different services that are provided by your local Sittingbourne financial advisor including investment bonds, pension planning, personal pensions in Sittingbourne, stakeholder pension advice, cash flow modelling in Sittingbourne, business financial planning, cashflow analysis, critical illness cover, portfolio management, tax advice, financial analyst services, ISA's Sittingbourne, wealth management in Sittingbourne, family income benefit, savings advice, mutual funds in Sittingbourne, bridging finance, trusts, long term care fee advice, corporate financial planning Sittingbourne, familt controlled trusts, ethical investment advice Sittingbourne, life insurances, pension drawdowns, investment consolidation, death benefit advice Sittingbourne, offshore investment advice, financial planning, income protection, annuity purchases in Sittingbourne, and more. Listed are just a few of the tasks that can be conducted by local financial advisers. Sittingbourne professionals will be happy to tell you about their entire range of financial services.

The Necessary Skills to be Financial Advisors

• Active listening and interpersonal skills.
• To have the ability to network and build solid relationships with clients.
• Excellent customer service skills for finding out client needs and requirements.
• To be thorough and pay attention to detail.
• The ability to sell products and services.
• Good skills in verbal communication.
• A solid understanding of accounting and economics relating to financial markets and products.
• A competent level of numeracy for developing financial plans.
• Effective business management skills for the negotiation of product fees.
• To have the ability to use a computer and the appropriate software programs.
• To have good time management skills.

Financial Advice Enquiries Kent

Recently posted Kent financial advice enquiries: Yasmin Gooding and Travis Gooding in Ightham recently asked about offshore investments. Codie Crosby and Gemma Crosby in Hoo St Werburgh recently asked for information on investment bonds. Alexandra Warren and Clarke Warren in Tovil recently asked for information on mortgages. Arissa Bird in Southfleet recently asked about family income benefit. Lily Duffy from Rainham recently asked for information on life assurance. Leon and Tiffany Winfield from Harbledown, Kent recently enquired about equity release. Mr and Mrs Parsons from Sissinghurst, Kent recently asked for information on investment bonds. Lilliana Little and Quinn Little in Eastchurch, Kent recently enquired about equity release. All of these local people did a search for "financial advisers Kent" and located this page on Google or some other search engine.

Financial Advisers Near Sittingbourne

Also find: Borden financial advisers, Rainham financial advisers, Tunstall financial advisers, Milstead financial advisers, Bobbing financial advisers, Chestnut Street financial advisers, Snipeshill financial advisers, Tonge financial advisers, Kemsley financial advisers, Rodmersham Green financial advisers, Oad Street financial advisers, Milton Regis financial advisers, Highsted financial advisers, Bapchild financial advisers, Chalkwell financial advisers, Murston financial advisers, Upchurch financial advisers, Rodmersham financial advisers and more. The majority of these towns and villages are covered by local financial advisers. Sittingbourne residents can get quotes by going here.

Sittingbourne Financial Advice Services

Find Financial Advisers in Sittingbourne Here

• Sittingbourne Cheap Financial Advice
• Sittingbourne Financial Services
• Sittingbourne Pension Advice
• Sittingbourne Mortgage Advice
• Sittingbourne Financial Advice
• Sittingbourne Cashflow Analysis
• Sittingbourne Trustee Investments
• Sittingbourne Retirement Advice
• Sittingbourne Estate Planning
• Sittingbourne Life Insurance Advice
• Sittingbourne Tax Advice
• Sittingbourne Investment Advice
• Sittingbourne Wealth Management
• Sittingbourne Inheritance Advice

More Sittingbourne Services: Undoubtedly, when you're looking at your finances in Sittingbourne, Kent, you'll likely be in need of all types of different services and as well as a financial adviser in Sittingbourne, Kent, you may also need bookkeepers in Sittingbourne, banruptcy lawyers in Sittingbourne, investment advisors in Sittingbourne, mortgage brokers in Sittingbourne, family lawyers in Sittingbourne, debt recovery & collection in Sittingbourne, business consulting in Sittingbourne, business financial planning in Sittingbourne, tax preparation in Sittingbourne, mortgage advice in Sittingbourne, estate planning in Sittingbourne, contracts lawyers in Sittingbourne, property law & conveyancing in Sittingbourne, wills in Sittingbourne, payroll services in Sittingbourne, solicitors in Sittingbourne, accountants in Sittingbourne, and other different Sittingbourne experts.

Financial Advisors Around Sittingbourne: Some Sittingbourne streets where financial advice has recently been given - Bishop Lane, Cryalls Lane, Conyer Quay, Albany Road, Bottles Lane, Albion Place, The Moorings, Springfield Road, The Cedars, Bedmonton, Cambridge Lane, Addington Road, Shurland Avenue, The Forum, Beaconsfield Road, Broom Road, Auger Close, The Paddock, Cooks Lane, Baker Close, Brisbane Avenue, South Avenue, Christopher Row, Sheerness Road, Batteries Close, Beauvoir Drive, Canterbury Road, South Lees Lane, The Rise, Blacketts Road, as well as the following local Sittingbourne postcodes: ME10 1JJ, ME10 1EW, ME10 1EX, ME10 1NH, ME10 1BS, ME10 1SG, ME10 1DR, ME10 1HS, ME10 1LH, ME10 1JA. People in these areas recently requested the help of a financial adviser. Sittingbourne residents enjoyed dependable and professional financial services in all cases.

For details about Sittingbourne (ME9) look here

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

Independent financial advisers in ME9 area, and dialling code 01795.

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