Financial Advisers Tunbridge Wells Kent: If you are in search of financial advice for the first time, trying to locate a decent independent financial adviser in Tunbridge Wells can be an intimidating experience. Whether it's investment, mortgage, pensions or even insurance guidance that you're looking for, there's one common rule for all financial advisers; they all have to adhere to Financial Conduct Authority regulations. Any advice given from a FCA authorised financial adviser in Tunbridge Wells comes with guarantees that if anything should go wrong, you've got access to the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.
Recommendations from family and friends can be a decent starting place in picking a financial adviser in Tunbridge Wells, but remember that their situation could be different to what you are looking for. Financial advice needs to be individually tailored to your unique situation, and you will find that certain financial advisers might not be appropriate for you. To check out the various options that they're offering and find a financial adviser that you feel comfortable with and can trust, it is a good idea to speak to at least 3 different firms, because after all selecting a financial adviser is a major decision.
Restricted advisers and independent financial advisers, are the 2 principal types of financial adviser in Tunbridge Wells. The good thing about seeing an IFA is that they will not be restricted to just one company's products or services, and can offer a more extensive range of options. Encompassing the full spectrum of financial products and companies, independent financial advice must be given in an impartial and unbiased way to customers. If you opt to use an independent financial adviser, you'll be able to pick from the broadest possible range of services, in order to find the perfect solution for your needs. A restricted financial adviser may be focused on an individual product, such as a mortgage adviser, or be restricted to products and services from one particular company.
Before any financial adviser in Tunbridge Wells takes you on as a client, they're required by the FCA to tell you about their charges. Although it varies based upon the type of service or product you're looking for, there could be a set fee, an hourly rate, or you could even be charged a proportion of what you are investing. You could be offered the possibility of a free preliminary consultation to allow you to discuss your objectives and find out if the adviser is a right fit for your circumstances. Your account might be managed by a team rather than a single adviser, if you decide to use one of the bigger Tunbridge Wells firms.
You will be required to fill in a "Fact Find" document, which is a confidential disclosure form relating your financial situation and goals to the advising company. You should also be given a Key Facts Document, or Initial Disclosure Document, which provides you with details about the financial adviser, their situation for offering independent or restricted advice and the extent of their permissions in the financial arena. If you're not happy with the service provided, and wish to complain, this document will also set down your own legal rights and the options you can take. It must be written in plain English and outline what you are signing up for, and any potential risks and benefits that exist should you decide to take the offered advice. The allowed cooling-off period should also be spelled out in this document. Within a specific time period, this makes it possible for you to cancel the contract.
When talking with the financial adviser the very first time you should check their experience and qualifications. After all you're on the verge of entrusting your financial future to their skill, so you shouldn't be self-conscious about asking such questions. Every financial adviser in Tunbridge Wells must present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. When you check the Financial Services Register, you should not panic if your specific financial adviser's name does not show up on there; you should be able to find the company name, and this means that the legislation covers all of their employees. If they're unable to present this evidence, the person can't offer advice but can offer financial guidance. In financial terms guidance is somewhat different to advice and isn't regulated. Therefore there isn't any recourse for either party if errors are made.
If you're looking for advice on investments you'll be asked about the level of risk you are comfortable with. High risk investments could potentially offer larger rewards, but all or some of your funds could be lost. In order to get the best financial and investment advice, your savings aims will need to be carefully considered, i.e. long or short term investments, how quickly you need to access your funds and how much capital you want to invest. One question you should ask yourself, which is usually ignored, is how much you can actually afford to lose. This is sometimes referred to as your 'capacity for loss' and may influence the products and services that are offered for your consideration.
From the outset, it's crucial that you tell your financial adviser about any mortgages, personal savings, investments or regular outgoings that you currently have. This will give a clear picture of your financial circumstances, without which the advice you get will most likely not be the best for you. Reliable financial advice should include diversifying your investments and savings by spreading the risk across a number of different products. In order to mirror your financial circumstances and your goals, a certified financial adviser in Tunbridge Wells will be aware of the best products to consider.
Your financial adviser will communicate in as plain a speech as possible, to unmask the complex world of finance. After comparing the various products and services that match your needs, you should be able to make an informed and calculated decision. If environmental issues are at the forefront of your mind, you could perhaps ask that ethical investment and savings schemes take precedence. You can then avoid businesses that firms meet your standards, but instead support those companies and businesses that address your concerns, for instance zero carbon or green energy.
Having constant interactions with your financial adviser in Tunbridge Wells could cause problems with your work day and other obligations. To enable you to seek advice at a time to suit you, face-to-face meetings can be complemented with video conferencing and phone calls. Home and remote working is now commonplace, and any professional financial advice provider in Tunbridge Wells will have rigorous measures in force to ensure your details are kept confidential and secure, even if you hardly ever have a face-to-face meeting with your adviser.
COMPLAINTS
Investments can be a volatile area, and values can fall as well as rise. If your investment isn't making the amount of money you hoped for, it can be extremely frustrating and stressful. However, unless it is due to misleading or incorrect information from your financial adviser, a downward spiral in your investment is not a recognised grounds for complaint.
Any complaints should start with the company's complaints procedure as described in the Key Facts Document. You can let the Financial Ombudsman know about the situation if it is unsolved within the timeframe set out by the regulating authority, and your adviser is registered with the Financial Conduct Authority.
After reviewing the cause for complaint, the Financial Ombudsman will come to a decision on the issue. A decision is made on how to financially compensate the customer, if the complaint is justified. Once agreed on by the client, the decision becomes a legally binding one, and the financial adviser and their firm must abide by it. The Financial Ombudsman will also take into account any distress, inconvenience, upset and trouble caused to the client during the process, and fix the level of compensation proportionately.
Financial advice can be provided in Tunbridge Wells and also nearby in: Speldhurst, Fordcombe, Ashurst, Wadhurst, Frant, Mark Cross, Groombridge, Penshurst, Bidborough, Pembury, Southborough, Tonbridge, Matfield, Bells Yew Green, Rusthall, Brenchley, Tudeley, as well as in these postcodes TN1 1SF, TN1 1TN, TN1 1BS, TN1 1LG, TN1 1BN, TN1 1DS, TN1 1WT, TN1 1RP, TN1 1UL, TN1 1UA. Locally based Tunbridge Wells financial advisers will likely have the postcode TN1 and the phone code 01892. Checking this out should ensure that you access local financial advisers. Tunbridge Wells home and business owners are able to utilise these and lots of other finance related services.
Tunbridge Wells Financial Advice Services
There is a wide range of services which can be provided by your local Tunbridge Wells financial advisor including financial analyst services, pension consolidation advice, saving for children, investment consolidation advice, inheritance tax planning, unit trusts in Tunbridge Wells, will writing services Tunbridge Wells, financial planning, offshore investment advice, trustee investment services, financial services, bereavement benefit advice, pension planning, general financial planning, cheap financial advice, annuity purchase Tunbridge Wells, retirement planning Tunbridge Wells, corporate bonds, equity release advice, pensions in divorce, multi-asset portfolios, pension transfer advice, annuities, wealth management in Tunbridge Wells, family income benefit, cash flow modelling, personal pensions advice, investment reviews, ethical investment advice, pension drawdowns in Tunbridge Wells, and lots more. Listed are just a handful of the duties that can be undertaken by local financial advisers. Tunbridge Wells professionals will let you know their entire range of financial services.
Financial Advice Enquiries Kent
The latest Kent financial advice enquiries: Macey Strachan and Lee Strachan from Chestfield recently asked for information on equity release. Ronan Woolley and Indiana Woolley in Worth recently asked about life assurance. Lili and Joe Mccormick from Capel le Ferne, Kent recently enquired about investment advice. Arun and Aniyah Linley from Chevening recently enquired about financial planning. Mr and Mrs Oleary from Elham, Kent recently asked for information on equity release. Jai Duffy and Ellie-Rose Duffy from Sandwich recently enquired about pension advice. Elspeth and Zakariyah Coombes in Rolvenden, Kent recently asked about equity release. Keegan Fitzpatrick in Wouldham, Kent recently asked for information on life assurance. All of these local people did a search for "financial advisers Kent" and discovered this page on either Bing, Google or Yahoo.
Financial Advisers Kent
In the Kent area you can likewise get: Darenth investment advice, Hever financial advisers, Cliffe Woods financial advisers, Eccles investment advisers, New Romney financial advisers, St Margarets At Cliffe financial advisors, Capel investment advisers, Culverstone Green financial advisers, Boughton Monchelsea financial advisers, Newington financial advisors, Chestfield investment advice, Higham financial advisors, Barming financial advisors, Ditton financial advisers, Nettlestead financial advice, Nonington investment advisers, Strood financial advisors, Wilmington investment advice, Cliffe financial advisors, Sundridge investment advice, Hollingbourne investment advice, Temple Ewell financial advisors, Marden financial advisors, Sole Street investment advice, Southborough financial advisers, River financial advisers, Grain investment advice, Swanley investment advisers, Cliffs End financial advisers.
Financial Advisers Near Tunbridge Wells
Also find: Brenchley financial advisers, Pembury financial advisers, Mark Cross financial advisers, Speldhurst financial advisers, Frant financial advisers, Penshurst financial advisers, Bidborough financial advisers, Rusthall financial advisers, Tudeley financial advisers, Southborough financial advisers, Wadhurst financial advisers, Ashurst financial advisers, Bells Yew Green financial advisers, Fordcombe financial advisers, Tonbridge financial advisers, Matfield financial advisers, Groombridge financial advisers and more. All these towns and villages are covered by local financial advisers. Tunbridge Wells residents can get quotes by clicking here.
Tunbridge Wells Financial Advice Services
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Financial Advisors Around Tunbridge Wells: Some Tunbridge Wells roads where financial advice has recently been given - Snipe Close, Southwood Road, Brook Road, Chapman Way, The Rear, Bretland Road, The Slade, The Crossway, Sidney Close, The Ridge, Sunnyside Road, The Lane, Birch Way, Corseley Road, Christchurch Avenue, Calverley Park, Cromwell Road, Charltons Way, Connaught Way, Summerhill Avenue, Squirrel Way, Crundwell Road, Bondfield Close, Clifton Road, Tuxford Road, Birchwood Avenue, St Stephens Court, The Close, Barnetts Way, Cleveland, as well as the following Tunbridge Wells area postcodes: TN1 1SF, TN1 1TN, TN1 1BS, TN1 1LG, TN1 1BN, TN1 1DS, TN1 1WT, TN1 1RP, TN1 1UL, TN1 1UA. People living in these areas recently requested help from a financial adviser. Tunbridge Wells residents enjoyed the benefits of professional and dependable financial services in all cases.
Financial Adviser Tunbridge Wells
Independent Financial Adviser Near Tunbridge Wells
Financial Advisers Tunbridge WellsMore Kent Financial Advisers: More Kent financial advisers: Maidstone, Margate, New Romney, Dartford, Cranbrook, Sturry, Dover, Pembury, Tenterden, Canterbury, Edenbridge, Ashford, Southborough, Aylesford, Swanley, Lydd, Herne Bay, Snodland, Ramsgate, Folkestone, Tonbridge, Swanscombe, Westerham, East Malling, Sittingbourne, Meopham, Rochester, Chatham, Staplehurst, Wilmington, Tunbridge Wells, Kingsnorth, Minster, Paddock Wood, Bearsted, Strood, Broadstairs, Whitstable, Gravesend, Walmer, Hartley, Birchington-on-Sea, Sheerness, Sevenoaks, Boxley, Biggin Hill, Westgate-on-Sea, Gillingham, Faversham, Deal, West Kingsdown, Sandwich and Northfleet.
Independent financial advisers in TN1 area, telephone code 01892.
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