Financial Advisor Bearsted

Bearsted Independent Financial Advice & Investment

Financial Advisor Bearsted Kent (ME14): If you are in search of financial advice for the first time, trying to locate a first-rate independent financial advisor in the Bearsted area can be a quite daunting experience. Whether it is investments, pension, mortgage or even insurance advice that you are searching for, there is one common rule for all qualified financial advisors; they must all observe Financial Conduct Authority regulations. The good thing about this is that should a financial advisor who is FCA authorised give you poor quality advice, and anything goes wrong, you have guarantees, and can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to get things put right.

Free Bearsted Financial Advisor Quotes

Recommendations from friends and relations can be a decent starting place in selecting a financial advisor in Bearsted, but bear in mind that their needs might be different to what you are looking for. Not every financial advisor is suitable for everyone, and any advice they provide should be adapted to your particular situation. It is a good idea to speak with at least 3 different companies when you're choosing a financial advisor, since this is an important decision, and you will be looking to find one that you feel comfortable with and can trust, and also check out the options they offer.

Financial Advisor Bearsted Kent (ME14)

Restricted advisors and independent financial advisors, are the 2 principal types of financial advisor in Bearsted. An IFA won't be limited to just one company's products and services. Independent financial advice must encompass the full gamut of financial products and companies, and should be given in an unbiased way. Consulting an independent financial advisor should enable you to pick from the broadest possible range of products. If you use a restricted financial advisor you will discover that they may be limited to services and products of a specific company, or as in the case of a mortgage advisor, may only be involved with one individual product.

Before any financial advisor in Bearsted accepts you as a client, they're required by the FCA to be transparent about their charges. Determined by the product you are interested in, you could be charged by the hour, a set fee or maybe even a specific percentage of your investment value. To allow you to discuss your objectives and see if the advisor is the correct fit for you and your situation, you could be offered the chance of a free preliminary consultation. In some of the larger Bearsted companies, you might find that your account is handled by a team as opposed to an individual advisor.

Financial Advisors Bearsted UK (01622)

You will be required to complete a "Fact Find" form, which is a confidential disclosure document relating your targets and financial situation to the advising firm. A Key Facts or Initial Disclosure Document will also be handed to you, providing information regarding the financial advisors themselves, outlining their scope of permissions in the financial arena and their status to offer independent or restricted advice. If you are not happy with the service provided, and wish to make a complaint, this document will also set down your legal rights and the possible options you can take. It has to be simple to understand, written in plain language, and describe precisely what you are committing yourself to, together with the benefits and risks of going along with the advice. You can find the amount of cooling-off period in the Key Facts Document. Within a specific period of time, this makes it possible for you to cancel your contract.

You'll want to check the qualifications and experience of your financial advisor when you first talk to them. Asking these questions should never be a cause for embarrassment, because after all you're entrusting them with your long-term financial wellbeing. All financial advisors in Bearsted must as a minimum hold a Level 4 qualification and be in a position to present an annual Statement of Professional Standing. When you check the Financial Services Register, you should not stress if your specific advisor's name does not appear on there; you will probably find the firm name, and that means the regulations covers all of their personnel. If they're unable to provide these accreditations, the individual cannot offer advice but can offer financial guidance. Guidance is somewhat different to advice as it isn't regulated in the same way, and if financial blunders are made there will probably be no recourse to the client.

Financial Advisor Quotes in Bearsted Kent

If it is investments that you are interested in, your advisor will want to know the amount of risk you are ready and able to take with your hard-earned money. High risk investments could offer larger rewards, however some or all of your capital could be lost. Your savings aims must be carefully considered if good quality financial and investment advice is to be given, i.e. how rapidly you need access to your money, short or long term investments and how much capital you want to invest. "How much can you afford to lose?" Is the one important question that you really need to ask yourself. This is referred to as your 'capacity for loss' and may affect the services and products that are offered to you.

Financial Advice Near Bearsted Kent

From the outset, it is vital that you tell your financial advisor about any savings accounts, mortgage loans, regular payments or investments that you have. To ensure that you receive the best advice for you, they need to gather a clear and full picture of your financial situation. Spreading the risk across various products by diversifying your savings and investments, is something that good financial advice should embrace. A certified financial advisor in Bearsted will be aware of the best products to consider, which match your goals and your financial situation.

Your financial advisor will try to communicate in the clearest possible way, to unveil the complex world of finance. You should be able to make an informed and educated decision when you have learned about the various products and services that meet your needs. You could maybe ask your advisor to only choose ethical savings and investments. This doesn't just give you investment opportunities, but also allows you to support zero carbon or renewable energy projects, and keep clear of those that don't share the same values that you do.

Working together with a financial advisor in Bearsted can be difficult to fit in around your work life and other obligations. Face-to-face meetings can be supplemented with video conferencing and telephone to enable you to seek advice at a time to suit you. Even if you hardly ever have a one-to-one meeting with your personal advisor, a competent financial advice company in Bearsted will have stringent measures in force to keep your details secure and confidential, because remote and home working is now so common.


Investments can be a volatile area, and their values can go down as well as up. If your investment is not making the amount of money you hoped for, it can be incredibly worrying and disheartening. However, except if it's because of incorrect or misleading information from your advisor a downward trend in your investment is not a recognised cause for complaint.

Independent Financial Advisor Near Bearsted (ME14)

As laid out in the Key Facts Document, any grievances should start out with the firm's complaints procedure. You can inform the Financial Ombudsman of the issue if it remains unsolved within the time period stipulated by the regulating body, and your advisor is registered with the Financial Conduct Authority.

The Financial Ombudsman will independently review the cause for complaint and come to a decision. If the complaint is found to be justified, a decision will be made on how to rectify the situation or financially compensate the client. Once the ruling has been accepted by the customer it becomes a legally binding decision that the financial advisor and their firm, must abide by. Any compensation laid down by the Financial Ombudsman will also take into account any inconvenience, upset, trouble and distress caused to the client during the situation.

Book a Financial Advisor in Bearsted UK

Financial advice can be provided in Bearsted and also nearby in: Maidstone, Downswood, Ware Street, Sandling, Hollingbourne, Thurnham, Stoneacre, Grove Green, Detling, Otham, Roseacre, Leeds, Weavering, Parkwood, Allington, Boxley, as well as in these postcodes ME14 4BX, ME14 4JN, ME14 3LH, ME14 4BF, ME14 4EB, ME14 4JA, ME14 4RD, ME14 4AN, ME14 4JS, ME14 4PP. Local Bearsted financial advisers will most likely have the dialling code 01622 and the postcode ME14. Checking this can guarantee that you are accessing local financial advisers. Bearsted householders are able to utilise these and many other related services. Click the "enquiry" form or banner to get info on financial advisors in your location.

Pension Planning

A secure retirement necessitates pension planning as a key step. Considerable process improvement is attainable through the engagement of a financial advisor's services. Assessing your current financial situation and understanding your retirement objectives, a professional advisor will design a personalised pension plan. They handle the complexities of the UK's pension choices, which encompass the state pension, workplace pensions, and SIPPs. By taking advantage of their expertise, informed decisions about tax implications, investment choices and contributions can be made. The creation of a robust pension plan, providing financial stability and peace of mind for your future, is a result of working with a financial advisor in Bearsted.

The State Pension, a government-backed scheme that provides a standard level of retirement income, is at the heart of UK pension planning. The amount of State Pension you receive will depend on how many National Insurance contributions you have made over your working life. The intricacies of the State Pension scheme have become more important to understand than ever before, due to changes to the number of qualifying years and the State Pension age. (42316)

Bearsted Financial Advice Services

Financial Advice Tasks Bearsted

There is a variety of services that can be provided by your local Bearsted financial advisor including pension transfer advice, familt controlled trusts, trustee investment services, business financial planning, annuities Bearsted, inheritance tax planning, retirement plans, equity release, cheap financial advice Bearsted, personal financial planning, pension drawdowns, ISA's in Bearsted, long term care fee planning, general financial planning, bridging finance Bearsted, financial analyst services in Bearsted, pensions in divorce, savings advice, cashflow planning, multi-asset portfolios, pension plans, tax advice, divorce planning, money planning, offshore investment advice, mutual funds in Bearsted, business protection in Bearsted, investment bonds, life assurance advice Bearsted, will writing services, and lots more. Listed are just a handful of the tasks that can be performed by a financial advisor. Bearsted professionals will let you know their entire range of services.


Financial Advisors Near Bearsted

Also find: Grove Green financial advisors, Hollingbourne financial advisors, Weavering financial advisors, Detling financial advisors, Stoneacre financial advisors, Sandling financial advisors, Allington financial advisors, Parkwood financial advisors, Downswood financial advisors, Otham financial advisors, Roseacre financial advisors, Thurnham financial advisors and more. Anybody who is looking for financial advice, will find that these services are readily available in all these locations. Homeowners in the region can make enquiries about financial advice by clicking here.

Bearsted Financial Advice Services

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Independent financial advisor in ME14 area, telephone code 01622.

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(This financial advisor Bearsted article was edited and updated on 20-02-2024)