Financial Advisor Gillingham Kent (ME7): It can be an intimidating experience trying to locate a first-rate independent financial advisor in Gillingham, particularly if it is the first time that you're in search of financial advice. Whether you're searching for mortgage, investment, pensions or even insurance advice, all professional financial advisors are bound by one simple rule; they all have to stick to the regulations set by the Financial Conduct Authority. This comes with some guarantees, therefore after taking advice from a FCA authorised financial advisor in Gillingham, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman Scheme, if something should go awry.
A good starting place when picking a financial advisor in Gillingham could be relatives and friends, but remember that the type of advice you're looking for may be different to theirs. Any advice they provide should be adapted to your particular circumstances, and every financial advisor isn't suitable for everyone. Picking the right financial advisor is crucial and it is a good idea to speak to at least three different companies so as to explore the various options they offer, and to find one that you can trust and feel comfortable with.
When it comes to picking a financial advisor in Gillingham, there are basically two principal types; independent financial advisors (IFA) and restricted advisors. An IFA won't be limited to the services and products of just one provider. Encompassing the whole gamut of financial companies and products, independent financial advice should be given in an honest and unbiased way to clientele. Consulting an IFA should permit you to select from the broadest possible range of products. A restricted advisor may be involved with an individual product, such as a mortgage advisor, or be limited to services and products from a specific company.
Before taking you on as a client, any financial advisor must be transparent about their charges, as required by the FCA. In accordance with the type of product you are looking for, you could be charged a set fee, by the hour or perhaps even a specific percentage of your investment. To allow you to discuss your objectives and determine whether the advisor is a right fit for you and your circumstances, a free initial consultation may be offered. Your account might be looked after by a team as opposed to a single advisor, if you elect to go with one of the bigger Gillingham firms.
You will be asked to complete a "Fact Find" document, which is a confidential disclosure form relating your financial situation and goals to the advising company. You should also be handed an Initial Disclosure Document, or Key Facts Document, which provides information regarding the financial advisor, their situation for offering restricted or independent advice and the scope of their permissions in the financial market. Your legal rights should also be laid out in this document, together with your options if you need to submit a complaint because you're not satisfied with the service you are given. It has to be written in plain English and outline what you are committing yourself to, and any potential benefits and risks that exist if you opt to go along with the offered advice. The Key Facts Document will also tell you about the allowed cooling-off period. Within a certain period of time, this makes it possible for you to cancel your agreement.
The first time you are talking with your financial advisor you should check what qualifications and experience they've got. Asking these questions should never be a cause for embarrassment, because after all you are about to entrust them with your financial wellbeing. Every financial advisor in Gillingham must be in a position to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. When you check the Financial Services Register, you shouldn't freak out if your financial advisor's name does not appear on there; you ought to be able to locate the firm name, and this means that the regulations covers all of their advisors. If they are unable to present these accreditations, the individual cannot offer advice but is allowed to offer financial guidance. In terms of finance guidance differs to advice and isn't regulated in the same way. Therefore there is no recourse for the client if errors occur.
If it's investing money that you're interested in, the advisor will need to know the level of risk you are ready to accept with your hard-earned money. Most investments carry some element of risk, but higher risk investments could offer substantial rewards, but also more chance of losing your money. The best financial and investment advice will take you savings objectives into consideration, i.e. long or short term investments, how quickly you need to access your funds and how much cash you want to invest. The one question that you should ask yourself, which is often ignored, is just how much you can afford to lose. This is known as your capacity for loss and may well affect the products and services that are offered for your consideration.
If you already have any current regular outgoings, investments, mortgage loans or personal savings, you'll want to let your financial advisor know about these. To ensure that you get the best advice for you, they need to have a clear and full picture of your financial circumstances. Smart financial advice should allow for diversifying your savings and investments by spreading the risk across a range of different products. A competent financial advisor in Gillingham will understand the best areas to consider, which reflect your financial situation and your goals.
Communicating in in the simplest terms possible, your financial advisor will reveal the multifaceted world of investment and finance. After comparing the services and products that match your needs, you should be able to make an informed and considered decision. If you are mind is firmly on the environment, you can even ask your financial advisor to stick to ethical savings and investment schemes. This not only provides you with investment opportunities, but also allows you to support zero carbon or renewable energy projects, and avoid those that do not share the same values as you do.
Having constant interactions with a financial advisor in Gillingham could create issues with your work and other obligations. To enable you to get advice at times that suit you, one-on-one appointments can be augmented with video conferencing and telephone. Home and remote working is now commonplace, and an experienced financial advice company in Gillingham will have stringent measures in place to ensure your details are kept confidential and secure, even if you never have a face-to-face meeting with your personal advisor.
You have to keep in mind that the financial world is a volatile sector, and investment values can just as easily go down as well as up. If your investment isn't making as much money as you hoped for, it can be very frustrating and stressful. Regrettably, a downward trend in your investment is not a recognised basis for complaint, unless it is owing to incorrect or misleading information from your financial advisor.
Any grievances should start with the company's official complaints procedure as indicated in the Key Facts Document. You can tell the Financial Ombudsman about the issue if it remains unresolved within the time set out by the regulating body, and your financial advisor is a member of the FCA.
After independently reviewing the cause for complaint, the Financial Ombudsman will come to a decision on the issue. If it's established that the complaint is legitimate, a decision is made on how the client can be compensated. The financial advisor and their firm must comply with any decision that is made by the Ombudsman, which becomes a legally binding decision once the customer has agreed to it. The Financial Ombudsman will also consider any distress, trouble, upset and inconvenience caused to the customer during the situation, and set the level of compensation proportionately.
Financial advice can be provided in Gillingham and also in: Lower Rainham, St Marys Island, Chattenden, Walderslade, Grange, Brompton, Rochester, Rainham, Hartlip, Chatham, Luton, Wigmore, Wouldham, Hempstead, Blue Bell Hill, Frindsbury, Wainscott, and in these postcodes ME7 1GA, ME7 1BZ, ME7 1AX, ME7 1HU, ME4 4XN, ME7 1AF, ME7 1FY, ME7 1EA, ME7 1BW, ME7 1EQ. Locally based Gillingham financial advisors will probably have the postcode ME7 and the telephone code 01634. Simply click on the "enquiry" banner or form to get information on financial advisors in your area.
Gillingham Financial Advice Services
There is a variety of services which can be provided by your local Gillingham financial advisor including pension plans, wealth management & investments Gillingham, trustee investment services in Gillingham, pension reviews Gillingham, trusts, cheap financial advice, tax financial planning, financial services, investment planning, investment advice, equity release in Gillingham, financial analyst services, personal financial planning Gillingham, inheritance tax planning, mutual funds, bridging finance in Gillingham, investment planning in Gillingham, independent financial advice, corporate financial planning in Gillingham, life assurance, annuities, income protection, divorce financial planning in Gillingham, portfolio management, pension consolidation, and more.
Financial Advisors Kent
In the Kent area you can also find: Leysdown financial advisors, Langley investment advice, Horsmonden financial advisors, West Malling financial advice, East Peckham financial advisors, Woodchurch financial advisors, Hythe financial advisors, Shoreham financial advisors, Meopham investment advisors, Kemsing financial advisors, Swingfield investment advice, Horton Kirby investment advisors, Five Oak Green financial advice, Minster financial advisors, Goudhurst financial advisors, Rainham financial advice, Paddock Wood financial advisors, Bidborough financial advice, Rainham investment advice, Harbledown financial advisors, Temple Ewell financial advisors, Boughton Under Blean investment advisors, Challock financial advice, Aldington investment advisors, Knockholt investment advice, Rolvenden investment advisors, Guston financial advisors, Bidborough financial advisors, Wrotham investment advice.
Kent Financial Advice Enquiries
Recent Kent financial advice enquiries: Madeleine Horner and Rudi Horner from Tunstall recently asked for information on mortgages. Viktoria and Lorcan Steele from Dunton Green, Kent recently enquired about investment bonds. Montgomery and Roxy Head from St Marys Bay, Kent recently enquired about life assurance. Mr and Mrs Featherstone from Hythe recently asked for information on financial planning. Mr and Mrs Owen from Chartham, Kent recently enquired about equity release. Faith Kelsey and Lochlan Kelsey from Tovil recently asked for information on pensions. Mr and Mrs Brett from Southfleet, Kent recently asked for information on family income benefit. Bethan Coates and Ian Coates from Dartford, Kent recently enquired about investment advice.
Financial Advisors Near Gillingham
Also: Brompton financial advisors, Rochester financial advisors, Rainham financial advisors, Walderslade financial advisors, Grange financial advisors, Wainscott financial advisors, St Marys Island financial advisors, Wigmore financial advisors, Chatham financial advisors, Hempstead financial advisors, Lower Rainham financial advisors, Blue Bell Hill financial advisors, Frindsbury financial advisors, Luton financial advisors, Chattenden financial advisors, Wouldham financial advisors, Hartlip and more.
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Financial Advisors Around Gillingham: Financial advisors were recently requested by folks living in Blackthorn Road, Stuart Lane, Abbey Road, Brabourne Avenue, Stanley Road, Church View, Chatsworth Road, Avondale Gardens, Doddington Road, Sylvan Close, Star Lane, Sabre Court, Cherryfields, Stratford Lane, Devon Close, Stopford Road, The Crofters, Clermont Close, Beaconsfield Avenue, St Albans Close, Shakespeare Road, Brackwood Close, Theodore Place, Bluebell Close, Burrstock Way, The Maltings, Toronto Road, St Marks Houses, Claremont Avenue and these Gillingham postcodes: ME7 1GA, ME7 1BZ, ME7 1AX, ME7 1HU, ME4 4XN, ME7 1AF, ME7 1FY, ME7 1EA, ME7 1BW, ME7 1EQ.
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