Financial Advisor Dartford Kent (DA1): It can be a challenging experience trying to locate a decent financial advisor advisor in Dartford, in particular if it is the first time that you're needing financial advice. Nevertheless, all financial advisors have one thing in common; they must all conform to the regulations set by the FCA (Financial Conduct Authority), regardless of whether you're after pension, mortgage, investment or even insurance guidance. This comes with various guarantees, therefore after taking advice from a FCA authorised financial advisor in Dartford, you can seek recompense from the Financial Ombudsman Scheme or the Financial Services Compensation Scheme, if something should go wrong.
Recommendations from neighbours and friends can be a decent starting point in picking a financial advisor in Dartford, but bear in mind that their needs might be different to what you're looking for. Financial advice should be specifically tailored to your particular circumstances, and you will find that some financial advisors may not be appropriate for your requirements. To investigate the various options they can provide and find a financial advisor that you can trust and feel comfortable with, it pays to speak with at least three different companies, because after all picking a financial advisor is a big decision.
There are two principal types of financial advisor in Dartford; independent financial advisors and restricted advisors. The good thing about using an independent financial advisor is that they will not be restricted to the services or products of a single company, and can offer a wider range of options. Independent financial advice must encompass the entire spectrum of financial products and companies, and must be offered in an impartial way. This will permit you to select from the broadest range of products to meet your needs. A restricted advisor could be limited to products and services from one particular company, or may even focus on a single product, as in the case of a mortgage advisor.
Before taking you on as a client, any financial advisor must be transparent about their charges, as required by the Financial Conduct Authority. You could be charged by the hour, a set fee or even a percentage of your investment, in accordance with kind of services you're interested in. You could be offered a free initial consultation to allow you to discuss your objectives and determine whether the advisor is the proper choice for your circumstances. Your account may be looked after by a team rather than a single advisor, if you opt to go to one of the bigger Dartford firms.
Before any financial advice is handed out you will be required to fill in a confidential disclosure form, called a "Fact Find" document, which tells the advising firm about your financial situation and desired goals. An Initial Disclosure Document, or Key Facts Document will also be given to you, to provide information about the financial advisors themselves, explaining their range of permissions in the financial sector and their situation for offering restricted or independent advice. Your own rights should also be laid out in this document, along with your options if you want to complain because you're not happy with the service provided. It should detail what you are committing yourself to, and any potential benefits and risks that exist if you elect to accept the advice offered, and it has to be set down in clear language. You will find the amount of cooling-off period in the Key Facts Document. This makes it possible for you to change your mind within a certain period of time, and cancel your agreement with the financial advisor.
The first time you are speaking to your financial advisor you need to check what qualifications and experience they have. After all you are on the verge of entrusting your financial wellbeing to their expertise, so you should never be self-conscious about asking these questions. Every Dartford financial advisor must be able to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. When checking the Financial Services Register, don't panic if your specific advisor's name doesn't appear on there; you will probably locate the company name, and that means the regulations covers all of their staff. If they're not able to supply this evidence, the person cannot offer advice but only financial guidance. Guidance isn't subject to regulations in the way that financial advice is, which means that if mistakes arise neither party will have any recourse.
If it is investing money that you're interested in, the advisor will question you about the amount of risk you might be ready to take with your hard-earned cash. Most investments carry some element of risk, but high risk investments could potentially offer higher rewards, but also more likelihood of losing some or all of your capital. The best investment and financial advice should take you savings aims into consideration, i.e. how quickly you need access to your money, how much you wish to invest and short or long term investments. You should always ask yourself the one important question, how much money can you really afford to lose. This is generally known as your capacity for loss and might affect the products and services that may be offered for your consideration.
You will have to let your financial advisor know about your current regular payments, mortgages, savings or investments. This gives a clear picture of your financial situation, without which the advice you are given may not be the best for you. Sound financial advice should include diversifying your investments and savings by spreading the risk across a range of different products. A certified financial advisor in Dartford will understand the best areas to consider, which match your goals and your financial situation.
A financial advisor will unveil the multifaceted world of finance, and speak in the clearest possible way. After comparing the services and products which meet your needs, you should be in a position to make an informed and considered decision. If you are mind is firmly on the environment, you can perhaps ask your financial advisor to stick to ethical savings and investment schemes. You will then be able to avoid corporations that corporations meet your criteria, and instead lend your support to those firms and enterprises that address your concerns, for example renewable energy or zero carbon.
Having constant interactions with a financial advisor in Dartford could create problems with your work day and other responsibilities. This can be alleviated by supplementing one-on-one meetings with video conferencing and telephone, hence enabling you to seek the advice you need at convenient times. Working from home and remote working is now so common, and an established financial advice company in Dartford will have stringent measures in place to ensure your details are kept confidential and secure, even if you never have a one-on-one meeting with your advisor.
Investments can go down as easily as they can go up, because the financial world can be a volatile one. If your investment isn't making the amount of money you were hoping for, it can be extremely worrying and disheartening. However, except if it is because of misleading or wrong information from your financial advisor, your investment having a downward trend isn't seen as a grounds for complaint.
The company's official complaints procedure should be the best place to start with any disputes, and the Key Facts Document should discuss this. If your financial advisor is registered with the Financial Conduct Authority, you can tell the Financial Ombudsman about the matter if it remains unresolved within the time-frame set by the regulating authority.
The Financial Ombudsman will independently review the cause of the complaint and come to a decision. A decision is made on how to financially compensate the client, if the complaint is upheld. Once the decision has been agreed on by the client it becomes a legally binding decision that the financial advisor and their company, must abide by. Any compensation fixed by the Ombudsman will also take into consideration any inconvenience, upset, distress and trouble caused to the client during the dispute.
Financial advice can be provided in Dartford and also in nearby places like: North Cray, Hawley, Wilmington, Erith, Bexley, Leyton Cross, Hook Green, Bexleyheath, Belvedere, Greenhithe, Crayford, Darenth, Questor, Stone, Sutton at Hone, Swanscombe, Welling, Hextable, together with these postcodes DA1 1PS, DA1 1DE, DA1 1LZ, DA1 1SW, DA1 1RT, DA1 1RW, DA1 1PR, DA1 1SN, DA1 1LX, DA1 1JG. Local Dartford financial advisors will probably have the telephone code 01322 and the postcode DA1.
Dartford Financial Advice Services
There is a wide range of services that can be provided by your local Dartford financial advisor including cash flow modelling, independent financial advice in Dartford, annuity purchases Dartford, corporate bonds in Dartford, long term care fee advice, offshore investment advice, mutual funds Dartford, retirement advice, trusts in Dartford, tax planning Dartford, cashflow analysis Dartford, annuities, life assurance, divorce planning, cheap financial advice, general financial planning, portfolio management Dartford, ISA's in Dartford, financial planning, will writing services Dartford, financial analyst services, trustee investment services, equity release, personal financial planning, investment planning Dartford, and lots more.
Financial Advisors Near Dartford
Also: Greenhithe financial advisors, Stone financial advisors, Hook Green financial advisors, Wilmington financial advisors, Hextable financial advisors, Crayford financial advisors, Erith financial advisors, North Cray financial advisors, Sutton at Hone financial advisors, Leyton Cross financial advisors, Bexley financial advisors, Bexleyheath financial advisors, Questor financial advisors, Belvedere financial advisors, Darenth financial advisors, Welling financial advisors, Swanscombe financial advisors, Hawley and more.
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Financial Advisors Around Dartford: Financial advisors were recently needed by people living in Cross Road, Ship Lane, Clayton Croft Road, Acworth Place, Sandpit Road, Cadogan Avenue, Chaucer Way, Bath Road, Coller Crescent, Blake Gardens, Barn End Lane, Bronte Grove, Birch Close, Christchurch Road, Sullivan Close, Thirza Road, Crayford Road, Chestnut Grove, Stevens Close, Balmoral Road, Till Avenue, Bean Lane, Dale Walk, South View Road, Trevelyan Close, Donkey Lane, St James Place, Alfan Lane and these Dartford postcodes: DA1 1PS, DA1 1DE, DA1 1LZ, DA1 1SW, DA1 1RT, DA1 1RW, DA1 1PR, DA1 1SN, DA1 1LX, DA1 1JG.
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Local Dartford information can be found here
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Independent financial advisor in DA1 area, and dialling code 01322.
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