Financial Advisor Canterbury

Canterbury Independent Financial Advice & Investment

Financial Advisor Canterbury Kent (CT1): It can be a daunting experience trying to find a good independent financial advisor in Canterbury, particularly if it is the very first time that you're seeking financial advice. Whether you're looking for mortgage, pensions, investment or even insurance guidance, all qualified financial advisors are bound by one simple rule; they must all follow the regulations laid down by the Financial Conduct Authority (FCA). Any advice given from a FCA approved financial advisor in Canterbury comes with certain guarantees that should anything go awry, you've got access to the Financial Ombudsman or the Financial Services Compensation Scheme.

Free Canterbury Financial Advisor Quotes

Recommendations from relatives and friends can be a good starting place in picking a financial advisor in Canterbury, but keep in mind that their needs could be different to what you're looking for. Every financial advisor isn't suitable for everybody, and their advice needs to be personalised to your unique circumstances. To investigate the options that they can provide and find a financial advisor you can trust and feel comfortable with, it is a good idea to speak with at least 3 different companies, because picking a financial advisor is an important decision.

Financial Advisor Canterbury Kent (CT1)

There are 2 main types of financial advisor in Canterbury; independent financial advisors (IFA) and restricted advisors. Offering a broader range of options, an IFA won't be restricted to a single company's products and services. Independent financial advice must be offered in an impartial way and across the entire spectrum of financial companies and products. If you choose to use an independent financial advisor, you will be able to choose from the broadest possible range of services, so as to find the ideal solution for you. If you use a restricted financial advisor you'll discover that they could be limited to products and services of a single company, or as with a mortgage advisor, might only be involved with one individual product.

Before any financial advisor accepts you as a client, they are required by the FCA to be transparent about their charges. Subject to the kind of services you are interested in, you could be charged a set fee, by the hour or maybe even a slice of your investment. You could be offered the chance of a free first consultation to enable you to discuss your goals and find out if the advisor is the correct fit for your situation. If you go with one of the bigger Canterbury companies, your account may be handled by a team of advisors rather than a single person.

Financial Advisors Canterbury UK (01227)

To describe your financial situation and desired goals to the advising company, you'll have to fill out a "Fact Find" form, which is a confidential disclosure document. A Key Facts Document, or Initial Disclosure Document will also be handed to you, to provide details about the financial advisors themselves, explaining their range of permissions in the financial market and their situation for offering independent or restricted advice. This document should also lay out your own rights and your options if you aren't happy with the service, and want to complain. It should describe precisely what you are committing yourself to, and any potential benefits and risks that exist if you choose to accept the offered advice, and it must be laid out in clear language. The Key Facts Document must also inform you about the level of cooling-off period. This makes it possible for you to cancel the agreement with your financial advisor within a specific time period, and whenever any penalty charges are incurred.

The first time you are speaking with the financial advisor you'll want to check what experience and qualifications they have. You should never be self-conscious about asking these questions, after all you are on the verge of entrusting your financial future to their expertise. Every Canterbury financial advisor must present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. If the advisor's name doesn't appear on the Financial Services Register, don't stress, the company the advisor works for should be found on the register and their staff will be covered by the regulations. If they're not able to supply this proof, the individual can't offer advice but is able to offer financial guidance. Guidance is different to advice as it isn't regulated, and if errors occur there will probably be no recourse to the client.

Financial Advisor Quotes in Canterbury Kent

If you're looking for advice on investing money you will be asked about the level of risk you are comfortable with. Most investments carry some degree of risk, but high risk investments may offer bigger rewards, and also more chance of losing your funds. The best financial and investment advice should take into account your savings aims, i.e. how much you have to invest, how rapidly you need to access your funds and short or long term investments. "How much money can you truly afford to lose?" Is the one important question that you really need to ask yourself. This is sometimes referred to as your capacity for loss and may affect the services and products that are offered for your consideration.

Financial Advice Near Canterbury Kent

From the outset, it is vital that you let your financial advisor know about any existing regular payments, personal savings, mortgages or investments that you have. This will provide a clear picture of your financial circumstances, without which the advice given might not be the most suitable for you. Spreading the risk across various products through the diversification of your investments and savings, is something that smart financial advice should encompass. A professional financial advisor in Canterbury will understand the best products to consider, which mirror your goals and your financial situation.

A financial advisor will unmask the complex world of finance, and communicate in as much plain speech as possible. You should be able to make an informed decision when you have learned about the various services and products that match your needs. If the environment is at the forefront of your mind, you could perhaps ask that ethical savings and investment schemes take top priority. This will allow you to lend support to firms and organisations which match your concerns, e.g. green energy or zero carbon, or perhaps steering clear of businesses that do not meet your requirements.

It is not that easy to have a close working relationship with a financial advisor in Canterbury without this impacting your work and other responsibilities. This can be alleviated by supplementing face-to-face meetings with telephone calls and video conferencing, thus enabling you to get the advice you need at convenient times. Even if you hardly ever have a face-to-face meeting with your personal advisor, any experienced financial advice provider in Canterbury will have rigorous measures in place to keep your details secure and confidential, because remote and home working is now commonplace.


Investments can be a volatile area, and their values can fall as well as rise. If it just so happens that your investment fails to make as much money as you were hoping for, it can be an extremely stressful and frustrating time. Regrettably, a downward spiral in your investment isn't seen as a grounds for complaint, unless it's down to misleading or wrong information from your advisor.

Independent Financial Advisor Near Canterbury (CT1)

The company's official complaints procedure should be the starting point for any grievances, and the Key Facts Document will discuss this. If the problem is unresolved within the time set out by the regulating body, and the advisor is registered with the FCA, you can get in touch with the Financial Ombudsman.

The Financial Ombudsman will make a ruling after independently reviewing the cause of the complaint. If it is found that the complaint is justifiable, a decision is made on how the customer can be financially compensated. The advisor and their company must abide by any decision that is made by the Ombudsman, which becomes legally binding once the customer has agreed to it. The Financial Ombudsman will also take into account any distress, upset, trouble and inconvenience caused to the client during the process, and fix the level of compensation proportionately.

Book a Financial Advisor in Canterbury UK

Financial advice can be provided in Canterbury and also in nearby places like: Bridge, Fordwich, Broadoak, Littlebourne, Chilham, Rough Common, Lower Hardres, Tyler Hill, Blean, Aylesham, Chartham, Hoath, Chartham Hatch, Bekesbourne, Faversham, Harbledown, Sturry, and in these postcodes CT1 1JN, CT1 1FS, CT1 1JJ, CT1 1HQ, CT1 1ED, CT1 1NT, CT1 1LQ, CT1 1GA, CT1 1PG, CT1. Local Canterbury financial advisors will most likely have the postcode CT1 and the phone code 01227. Checking this out can ensure you're accessing locally based financial advisers. Canterbury homeowners can benefit from these and many other comparable services. Simply click the "enquiry" banner or form to get details about financial advisors in your location.

Pension Planning

A secure retirement necessitates pension planning as a crucial step. Considerable process improvement is attainable through the engagement of a financial advisor's services. A personalised pension plan will be designed by a professional advisor after assessing your current financial circumstances and understanding your retirement objectives. The intricacies of the UK's pension alternatives, including workplace pensions, the state pension, and self-invested personal pensions (SIPPs), are navigated by them. To make informed decisions about investment choices, tax implications and contributions, you can take advantage of their expertise. Working with a financial advisor in Canterbury leads to the creation of a solid pension plan, providing peace of mind and financial stability for your future.

The State Pension, a government-backed scheme that provides a basic level of retirement income, is at the centre of UK pension planning. Your eligibility for the State Pension will typically depend on how many National Insurance contributions you have made over your working life. The changes to the number of qualifying years and the State Pension age have made it vital to understand the intricacies of this scheme. (42316)

Canterbury Financial Advice Services

Financial Advice Tasks Canterbury

There are a wide array of services that are provided by your local Canterbury financial advisor including multi-asset portfolios in Canterbury, inheritance tax planning, financial analyst services, financial planning Canterbury, general financial planning, bridging finance, personal protection in Canterbury, pension transfer advice Canterbury, trustee investment services Canterbury, divorce financial planning Canterbury, pension consolidation in Canterbury, saving for children, money planning in Canterbury, wealth management & investments in Canterbury, corporate financial planning, retirement advice Canterbury, ethical investment advice, cashflow planning, corporate bonds, offshore investments, equity release in Canterbury, pension drawdowns Canterbury, portfolio management, bereavement benefits, unit trusts in Canterbury, ISA's Canterbury, will writing services, critical illness cover, pension planning, cash flow modelling, and lots more. These are just a few of the duties that can be carried out by a financial advisor. Canterbury professionals will keep you informed about their entire range of financial services.


Financial Advisors Near Canterbury

Also find: Rough Common financial advisors, Blean financial advisors, Broadoak financial advisors, Aylesham financial advisors, Bekesbourne financial advisors, Littlebourne financial advisors, Bridge financial advisors, Hoath financial advisors, Chartham Hatch financial advisors, Tyler Hill financial advisors, Fordwich financial advisors, Lower Hardres financial advisors, Harbledown financial advisors, Chartham financial advisors, Chilham financial advisors and more. Anyone who is searching for financial advice, will find that these services are readily available in the majority of these places. Home and property owners in the area can make enquiries about financial advice by clicking here.

Canterbury Financial Advice Services

Find a Financial Advisor in Canterbury Here
Financial Advice Enquiries in Canterbury Kent (01227)
  • Canterbury Corporate Financial Advice
  • Canterbury Financial Advice
  • Canterbury Investment Advice
  • Canterbury Trustee Investments
  • Canterbury Estate Planning
  • Canterbury Retirement Advice
  • Canterbury Life Insurance Advice
  • Canterbury Mortgage Advice
  • Canterbury Cashflow Analysis
  • Canterbury Pension Advice
  • Canterbury Tax Advice
  • Canterbury Financial Services
  • Canterbury Wealth Management
  • Canterbury Inheritance Advice

More Canterbury Services: Naturally, whenever you're looking at your finances in Canterbury, Kent, you will likely need all kinds of different services and together with a financial advisor in Canterbury, Kent, you could additionally need investment advisors in Canterbury, contracts lawyers in Canterbury, property law & conveyancing in Canterbury, solicitors in Canterbury, payroll services in Canterbury, debt recovery & collection in Canterbury, estate planning in Canterbury, tax preparation in Canterbury, mortgage advice in Canterbury, business consulting in Canterbury, wills in Canterbury, accountants in Canterbury, family lawyers in Canterbury, banruptcy lawyers in Canterbury, business financial planning in Canterbury, bookkeepers in Canterbury, mortgage brokers in Canterbury, and other different Canterbury experts.

Canterbury: If you need local information regarding Canterbury, Kent look here and Canterbury weather here

Independent financial advisor in CT1 area, 01227.

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(This financial advisor Canterbury content was edited and updated on 20-02-2024)