Financial Advisers Strood

Financial Advisers Strood Kent: If you are seeking financial advice for the first time, trying to find a good financial adviser adviser in Strood can be an intimidating experience. Whether you're looking for pensions, investment, mortgage or even insurance advice, all professional financial advisers have one thing in common; they must all follow the regulations of the Financial Conduct Authority. The advantage of this is that should a financial adviser who is FCA approved give you poor advice, and anything goes wrong, you have guarantees, and are able to get in touch with the Financial Ombudsman or the Financial Services Compensation Scheme to have it put right.

When picking a financial adviser in Strood, a good starting point could be friends and family, but you must remember 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 specific circumstances, and not every financial adviser is suitable for everybody. It is a good idea to speak to at least 3 different firms when you're picking a financial adviser, since this is a major decision, and you'll be looking to find one that you can trust and feel comfortable with, and at the same time explore the various options they can provide.

When it comes to picking a financial adviser in Strood, there are 2 main types; restricted advisers and independent financial advisers. The good thing about seeing an independent financial adviser is that they should not be limited to just one company's products and services, and can offer a more extensive range of options. Independent financial advice must be offered in a frank and impartial way and should cover the full gamut of financial products and companies. This enables you to select from the broadest range of products to suit your needs. A restricted adviser might be concerned with a single product, as with a mortgage adviser, or be restricted to products and services from a single provider.

Before taking you on as a client, any financial adviser must fully discuss their charges with you, as demanded by the Financial Conduct Authority. You could be charged by the hour, a set fee or possibly even a percentage of your investment, determined by type of product you're looking for. You may be offered the possibility of a free preliminary consultation to allow you to discuss your goals and determine whether the adviser is the proper choice for your circumstances. In some of the larger Strood companies, you could find that your account is being managed by a team as opposed to an individual.

Before any financial advice is handed out you'll be required to fill out a confidential disclosure form, called a "Fact Find" document, which informs the advising firm about your desired goals and financial situation. A Key Facts Document, or Initial Disclosure Document will also be handed to you, to provide information on the financial advisers themselves, outlining the extent of their permissions in the financial arena and their status to offer restricted or independent advice. If you aren't happy with the service provided, and wish to submit a complaint, this document should also lay down your own rights and your options. It must be typed out in plain language and outline what you're signing up for, and any potential risks and benefits that exist should you elect to take the advice offered. The cooling-off period should also be spelled out in this Key Facts Document. This allows you to cancel the contract with your financial adviser within a specific time period, and if any penalties have to be paid.

The very first time you're talking with your financial adviser you'll want to check what experience and qualifications they have. After all you're on the verge of entrusting your long-term financial wellbeing to their skill, so you shouldn't be embarrassed about asking such questions. A Level 4 qualification in financial advice is the minimum qualification for any financial adviser in Strood, and they must also be in a position to show an annual Statement of Professional Standing. You should not freak out if your financial adviser's name does not appear on the Financial Services Register, providing the firm is listed on the register, their personnel will be covered by the regulations. If these can't be presented the individual can still offer financial guidance instead of advice. Guidance is somewhat different to advice as it's not regulated in the same way, and if financial errors are made there will probably be no recourse to the client.

You will be asked about the amount of risk you are willing to take on, if you are seeking advice on investments. Many investments carry some element of risk, but high risk investments could potentially offer bigger rewards, and also more chance of losing your cash. Your savings aims will have to be carefully considered if good investment and financial advice is to be given, i.e. how much you have to invest, how rapidly you need access to your money and short or long term investments. One question you should ask yourself, which is usually neglected, is just how much money you can really afford to lose. This may well affect the services and products that you're offered, and is referred to as your capacity for loss.

If you already have any existing investments, regular outgoing payments, mortgages or savings, you need to tell your financial adviser about these. They'll need this information, so that they can get a picture of your financial situation and give the best advice for your needs. Spreading the risk across a number of different products through the diversification of your investments and savings, is something that reliable 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 situation and goals.

Your financial adviser will communicate in as plain a speech as possible, while throwing open the complex world of finance. After learning about the various products and services which match your needs, you should be in a position to make an informed and intelligent decision. If environmental issues are important to you, you could maybe ask that ethical savings and investments take top priority. This will allow you to support firms and enterprises that address your concerns, i.e. green energy or zero carbon, or perhaps keeping away from corporations that do not meet your requirements.

Having constant interactions with your financial adviser in Strood could cause problems with your work day and other responsibilities. This can be reduced by supplementing face-to-face appointments with phone calls and video conferencing, thus allowing you to seek the advice you need at convenient times. Even if you never have a one-on-one meeting with your personal adviser, a professional financial advice company in Strood will have rigorous measures in force to ensure your details are kept confidential and secure, because working from home and remote working is now a large part of our society.

COMPLAINTS

Investments can be a volatile area, and their values could go down as easily as they go up. It can be quite disheartening and stressful if your investment is not making as much money as you hoped for. Sadly, your investment having a downward trend is not a recognised grounds for complaint, except if it's because of wrong or misleading information from your adviser.

The company's complaints procedure should be the place to start with any disputes, and the Key Facts Document will discuss this. If your financial adviser is registered with the FCA, you can let the Financial Ombudsman know about the matter if it remains unsolved within the time schedule set out by the regulating body.

The Financial Ombudsman will make a ruling after independently reviewing the cause for complaint. A decision is made on how to financially compensate the client, if the complaint is upheld. This will become a legally binding decision once it has been agreed on by the client, and the financial adviser and their company must abide by the decision. Any compensation set by the Financial Ombudsman will also take into consideration any trouble, inconvenience, distress and upset caused to the customer during the situation.

Financial advice can be provided in Strood and also in: Cuxton, Cliffe Woods, Rochester, Chattenden, Upper Upnor, Meopham, Lower Upnor, Higham, Frindsbury, Wainscott, Gillingham, Shorne, Cobham, Gravesend, North Halling, and in these postcodes ME2 2ND, ME2 2FS, ME2 2BN, ME2 2BU, ME2 2NN, ME2 2BY, ME2 2PH, ME2 2HG, ME2 2JR, ME2 2NP. Locally based Strood financial advisers will probably have the dialling code 01634 and the postcode ME2. Checking this out will ensure that you're accessing locally based financial advisers. Strood householders can benefit from these and numerous other finance related services.

Kent Financial Advice Enquiries

Recent Kent financial advice enquiries: Madiha and Arthur Coburn from Edenbridge recently enquired about equity release. Mr and Mrs Stacey from Sundridge recently asked for information on equity release. Zain Clarkson and Bobbie Clarkson from High Halden recently asked for information on life assurance. Ziggy Squire and Izabella Squire from Tenterden recently asked for information on financial planning. Mr and Mrs Sutherland in St Mary in the Marsh recently enquired about getting financial advice. Lucca Simpson and Skyler Simpson from Broomfield recently asked for information on pensions. Mr and Mrs Eccles in Lydd recently asked about investment advice. Paloma Pratt and Finn Pratt from Southfleet, Kent recently asked for information on offshore investments. These local people searched for "financial advisors Kent" and came across this webpage on Google, Bing or Yahoo.

Strood Financial Advice Services

There are a number of different services which are provided by your local Strood financial advisor including unit trusts, offshore investment advice, financial planning, long term care fee planning Strood, investment consolidation advice, mutual funds, general financial planning in Strood, money planning Strood, independent financial advice, pension drawdowns, bridging finance, bereavement benefits in Strood, family income benefit, corporate bonds in Strood, cashflow planning in Strood, business protection, income protection, wealth management & investments in Strood, multi-asset portfolios, investment advice in Strood, pension consolidation advice, annuities Strood, pension planning Strood, savings advice, inheritance tax planning, saving for children in Strood, life assurance, personal pensions, familt controlled trusts in Strood, personal protection, and more. Listed are just a handful of the duties that can be conducted by local financial advisers. Strood professionals will be delighted to keep you abreast of their full range of financial services.

Skills Necessary for Financial Advisors

• To have good IT skills.
• To have active listening and interpersonal skills.
• A good knowledge and understanding of accounting and economics associated with financial products and markets.
• Effective customer service skills for finding out customer requirements and needs.
• A good level of math knowledge for producing financial packages.
• Outstanding skills in verbal communication.
• To have the ability to network and establish solid relationships with clients.
• To have a flexible approach to work.
• The ability to promote products and services.
• Excellent business management skills for negotiating product rates.
• To be thorough and pay attention to detail.

Financial Advisers Near Strood

Also find: Rochester financial advisers, Lower Upnor financial advisers, Frindsbury financial advisers, Wainscott financial advisers, Shorne financial advisers, Meopham financial advisers, Gillingham financial advisers, North Halling financial advisers, Chattenden financial advisers, Higham financial advisers, Upper Upnor financial advisers, Cobham financial advisers, Cuxton financial advisers, Cliffe Woods financial advisers, Gravesend financial advisers and more. The majority of these towns and villages are serviced by local financial advisers. Strood residents can get financial advice estimates by clicking here.

Strood Financial Advice Services

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More Strood Services: Obviously, whenever you happen to be looking at your finances in Strood, Kent, you will probably need all kinds of different services and as well as a financial adviser in Strood, Kent, you might additionally need investment advisors in Strood, tax preparation in Strood, mortgage brokers in Strood, business consulting in Strood, bookkeepers in Strood, payroll services in Strood, contracts lawyers in Strood, estate planning in Strood, family lawyers in Strood, debt recovery & collection in Strood, mortgage advice in Strood, solicitors in Strood, will writing in Strood, accountants in Strood, business financial planning in Strood, property law & conveyancing in Strood, banruptcy lawyers in Strood, and other different Strood experts.

Financial Advisors Around Strood: Some Strood roads and areas where financial advice has recently been given - Commissioners Road, Gun Lane, Canal Road, Clarendon Drive, Hawthorn Road, Kingswear Gardens, Vicarage Road, North Street, Chequers Court, Sycamore Road, Frindsbury Road, Evelyn Close, Merryfields, St. Michaels Court, Church Path, Albert Place, Wykeham Street, High Street, Rushdean Road, Richborough Drive, Hillshaw Crescent, as well as these local Strood postcodes: ME2 2ND, ME2 2FS, ME2 2BN, ME2 2BU, ME2 2NN, ME2 2BY, ME2 2PH, ME2 2HG, ME2 2JR, ME2 2NP. People living in these local areas recently needed the help of a financial adviser. Strood residents were given competent and professional financial services.

If you're interested in local Strood info go here

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

Independent financial advisers in ME2 area, (dialling code 01634).

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