Financial Advisor Folkestone Kent (CT18): Finding a reliable financial advisor advisor in the Folkestone area can be an intimidating experience, in particular if you're seeking financial advice for the very first time. Nevertheless, all qualified financial advisors are bound by one common rule; they must all stick to the regulations of the Financial Conduct Authority (FCA), regardless of whether you are after pension, mortgage, investment or even insurance guidance. This comes with various guarantees, so after taking advice from a FCA certified financial advisor in Folkestone, you can seek recompense from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if something should go wrong.
A decent starting point when picking a financial advisor in Folkestone could be relatives and friends, but bear in mind that the sort of advice you're searching for may be different to theirs. Financial advice needs to be individually tailored to your particular circumstances, and you will find that certain financial advisors may not be appropriate for you. To investigate the various options they're offering and find a financial advisor you can trust and feel at ease with, it pays to speak with at least three different companies, because selecting a financial advisor is a major decision.
When it comes to picking a financial advisor in Folkestone, there are 2 principal types; restricted advisors and independent financial advisors. An independent financial advisor should not be restricted to a single company's products and services. Independent financial advice must encompass the whole gamut of financial companies and products, and should be given in an impartial way. This will permit you to choose from the widest possible range of services to suit your needs. A restricted advisor may be limited to services and products from a single provider, or might even focus on a specific product, as can happen with a mortgage advisor.
Before accepting you as a client, any financial advisor in Folkestone must be transparent about their charges, as demanded by the FCA. According to the kind of services you require, you could be charged a set fee, by the hour or even a proportion of your investment value. You could be offered the possibility of a free preliminary consultation to enable you to discuss your objectives and find out if the advisor is suitable for your situation. If you use one of the larger Folkestone companies, your account might be managed by a team of advisors rather than a single individual.
Before any advice is handed out you'll be asked to fill in a confidential disclosure form, known as a "Fact Find" document, which informs the advising firm about your desired goals and financial situation. To provide details of the financial advisor, their status to offer independent or restricted advice and their range of permissions in the financial sector, you'll also be given a Key Facts Document, or Initial Disclosure Document. Your rights will also be spelled out in this document, together with the possible options you can take if you want to make a complaint because you're not happy with the service you are given. It has to be easily understood, written in layman's terms, and explain exactly what you're committing yourself to, along with the risks and benefits of accepting the proffered advice. You will find the level of cooling-off period in this document. This allows you to have a change of heart within a certain period of time, and cancel your contract with the financial advisor.
The very first time you're talking to your financial advisor you need to check what qualifications and experience they have. Asking such questions should not be a cause for embarrassment, because after all you are about to entrust them with your long-term financial wellbeing. Every Folkestone financial advisor must be able to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. You don't need to stress if your specific financial advisor's name does not appear on the Financial Services Register, providing the company is listed on the register, their personnel are covered by the legislation. If they're not able to present these accreditations, the person can't offer advice but can offer financial guidance. In financial terms guidance differs to advice and is not regulated. Therefore there is no recourse for either party if errors are made.
If you are looking for advice on investing money you'll be asked about the amount of risk you're comfortable with. High risk investments may offer higher rewards, but all or some of your cash could be lost. Your savings goals will have to be considered if decent investment advice is to be given, i.e. how much you wish to invest, how rapidly you need access to your money and short or long term investments. The one question that you should ask yourself, which is normally neglected, is just how much money you can really afford to lose. This may well influence the services and products that could be offered for your consideration, and is known as your 'capacity for loss'.
If you have already got any current mortgage loans, regular outgoing payments, investments or savings, you should tell your financial advisor about these. To ensure that you receive the best advice for you, they need to gather a full and clear picture of your finances. The diversification of your investments and savings by spreading the risk across a number of different products, is a vital part of good quality financial advice. Having a knowledge of the best areas to consider, an experienced financial advisor will concentrate on products that most closely fit in with your financial circumstances and goals.
Communicating in the clearest way possible, your financial advisor will throw open the multifaceted world of finance and investment. You should be in a position to make an informed decision after you have compared the various products and services which match your needs. If you are mind is firmly on the environment, you can even ask your advisor to stick to ethical investment and savings schemes. This doesn't just give you investment possibilities, but also enables you to support green energy or zero carbon projects, and stay away from companies that do not share the same values as you do.
Having constant interactions with your financial advisor in Folkestone could create issues with your work life and other obligations. To allow you to get advice at times that suit you, one-on-one appointments can be backed up with video conferencing and phone calls. Remote and home working is now a large part of our society, and a competent financial advice provider in Folkestone will have rigorous measures in force to keep your details confidential and secure, even if you rarely have a one-on-one meeting with your personal advisor.
Investments can be an unpredictable area, and values could fall as well as rise. If your investment is not making the amount of money you were hoping for, it can be quite stressful and demoralising. Sadly, a downward spiraling of your investment isn't a recognised grounds for complaint, except if it is due to misleading or incorrect information from your advisor.
The company's complaints procedure should be the best place to start with any grievances, and the Key Facts Document should discuss this. You can inform the Financial Ombudsman of the situation if it remains unsolved within the period set by the regulating body, and the advisor is registered with the Financial Conduct Authority.
The Financial Ombudsman will come to a decision after reviewing the cause of the complaint independently. A decision is made on how to financially compensate the customer, if the complaint is justified. Once the ruling is agreed on by the customer it becomes a legally binding decision which the financial advisor and their firm, must abide by. Any distress, inconvenience, annoyance and hassle caused to the client during the process, will be considered when the Financial Ombudsman fixes the level of compensation.
Financial advice can be provided in Folkestone and also nearby in: Capel le Ferne, Stanford, Lower Standen, Sandgate, Palmarsh, Hythe, Etchinghill, Lyminge, Alkham, Seabrook, West Hougham, Cheriton, Densole, Elham, Saltwood, Hawkinge, Church Hougham, together with these postcodes CT19 4NW, CT19 4BW, CT19 4NH, CT19 4BP, CT19 4EG, CT19 4DG, CT19 4BQ, CT19 4JY, CT19 4HJ, CT18 7EG. Local Folkestone financial advisers will likely have the postcode CT18 and the telephone code 01303. Checking this will guarantee that you are accessing local financial advisers. Folkestone homeowners are able to benefit from these and numerous other related services. Click on the "enquiry" banner or form to get details about financial advisors in your area.
Financial Advisors Kent
In the Kent area you will additionally find: Patrixbourne investment advisors, Plaxtol financial advisors, Southborough investment advice, Wateringbury investment advice, Elham investment advice, Five Oak Green financial advisors, Knockholt investment advisors, Walmer investment advice, Hildenborough financial advice, Boughton Aluph financial advice, Istead Rise financial advisors, Kingswood financial advice, Bethersden financial advice, Hinxhill financial advice, Queenborough investment advice, Eastry investment advisors, Thurnham financial advice, Smeeth financial advisors, Chattenden financial advisors, Queenborough financial advisors, Minster on Sea financial advice, Hinxhill financial advisors, New Barn investment advisors, Broomfield financial advice, Queenborough investment advisors, Stone financial advisors, Eccles investment advice, Brasted investment advice, Kemsing financial advice.
Kent Financial Advice Enquiries
The latest Kent financial advice enquiries: Cain Taggart from Barham recently asked for information on financial planning. Avery Forsyth and Sidney Forsyth from Boughton Under Blean recently asked for information on offshore investments. Romeo Fielding from Eastchurch recently enquired about investment bonds. Franklin Hancock and Connie Hancock from Thurnham recently asked for information on family income benefit. Skyler Toms and Jensen Toms from Hever, Kent recently enquired about investment advice. Alesha and Axl Simmonds from Seal recently enquired about getting financial advice. Freddy and Aya Fletcher from Chartham recently enquired about offshore investments. River Dufour and Ruairi Dufour from Bethersden, Kent recently asked for information on offshore investments. All of these local residents conducted a search for "financial advisor Kent" and discovered this website on Bing, Yahoo or Google.
Folkestone Financial Advice Services
There is a range of services that can be provided by your local Folkestone financial advisor including investment reviews, family income benefit, familt controlled trusts Folkestone, unit trusts, pension transfers in Folkestone, trusts Folkestone, long term care fee planning Folkestone, cashflow analysis, divorce financial planning, personal pensions advice, multi-asset portfolios, trustee investment services, death benefit advice, income protection, pensions in divorce, pension reviews, independent financial advice in Folkestone, will writing services, stakeholder pension advice, portfolio management, inheritance tax planning Folkestone, business financial planning, financial services, life insurances, cash flow modelling, offshore investment advice, corporate financial planning, bridging finance in Folkestone, pension plans in Folkestone, wealth management & investments, and lots more. These are just some of the activities that can be conducted by a financial advisor. Folkestone professionals will let you know their full range of services.
Financial Advisors Near Folkestone
Also here.: Seabrook financial advisers, West Hougham financial advisers, Capel le Ferne financial advisers, Stanford financial advisers, Sandgate financial advisers, Saltwood financial advisers, Elham financial advisers, Lyminge financial advisers, Etchinghill financial advisers, Hawkinge financial advisers, Palmarsh financial advisers, Alkham financial advisers, Densole financial advisers, Church Hougham financial advisers, Lower Standen financial advisers, Hythe financial advisers, Cheriton and more. The majority of these places are covered by local financial advisers. Folkestone residents can get financial advice price quotes by clicking
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Financial Advisors Around Folkestone: Financial advice has recently been provided in the following Folkestone areas and streets - Tram Road, Sandgate Road, Cowgate Lane, Brabner Close, Belinda Court, Bellevue Street, Crete Road West, Ashley Mill Bungalows, Avereng Gardens, Bournemouth Road, Canada Close, Castle Road, Cherry Garden Avenue, Browning Place, Alexandra Street, Dragonfly Way, Charlotte Street, St Winifred Road, Cauldham Lane, Southbourne Road, Benson Close, Beatrice Road, Court Approach, The Orchids, Creteway Close, The Crescent, Black Bull Road, Teddars Leas, Arthur Street, as well as the following Folkestone area postcodes: CT19 4NW, CT19 4BW, CT19 4NH, CT19 4BP, CT19 4EG, CT19 4DG, CT19 4BQ, CT19 4JY, CT19 4HJ, CT18 7EG. Folks in these areas recently required the help of a financial advisor. Folkestone residents enjoyed the benefits of dependable and top notch financial services in all cases.
More Folkestone Services: Obviously, whenever you happen to be looking at your finances in Folkestone, Kent, you'll probably need all kinds of different services and apart from wills in Folkestone, mortgage advice in Folkestone, family lawyers in Folkestone, investment advisors in Folkestone, debt recovery & collection in Folkestone, banruptcy lawyers in Folkestone, accounting in Folkestone, business financial planning in Folkestone, bookkeeping in Folkestone, payroll services in Folkestone, estate planning in Folkestone, contracts lawyers in Folkestone, business consulting in Folkestone, property law & conveyancing in Folkestone, mortgage brokers in Folkestone, tax preparation in Folkestone, solicitors in Folkestone, and other different Folkestone experts.in Folkestone, Kent, you could additionally need
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Independent financial advisor in CT18 area, and dialling code 01303.
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