Financial Advisor Hartley

Hartley Independent Financial Advice & Investment

Financial Advisor Hartley Kent (DA3): Locating a reliable financial advisor advisor in the Hartley area can be a daunting experience, especially if you're needing financial advice for the very first time. Whether you are searching for pensions, investment, mortgage or even insurance advice, all professional financial advisors have one thing in common; they all have to stick to the regulations of the Financial Conduct Authority. The good thing about this is that if a financial advisor who is FCA registered gives you bad advice, and things go awry, you have guarantees, and can contact the Financial Services Compensation Scheme or the Financial Ombudsman to have it put right.

Free Hartley Financial Advisor Quotes

A decent starting place in choosing a financial advisor in Hartley may be relatives and friends, but remember that the kind of advice you are searching for may be different to theirs. Every financial advisor isn't suitable for everyone, and their advice needs to be personalised to your specific circumstances. Choosing a financial advisor is an important decision and it is wise to speak with at least three different firms so as to check out the options they can offer, and to find one you can trust and feel comfortable with.

Financial Advisor Hartley Kent (DA3)

When it comes to picking a financial advisor in Hartley, there are basically two main types; independent financial advisors (IFA) and restricted advisors. Offering a broader range of options, an IFA should not be limited to the products or services of a single company. Independent financial advice must encompass the whole gamut of financial products and companies, and should be offered in an impartial way. Using an IFA should allow you to pick from the broadest possible range of products. A restricted advisor might be focused on a single product, such as a mortgage advisor, or be restricted to products and services from a single company.

Before accepting you as a client, any financial advisor must tell you about their charges, as set out by the Financial Conduct Authority. You might be charged a set fee, by the hour or perhaps even a percentage of your investment, determined by services you're looking for. A free preliminary consultation may be offered, so you can discuss your aims and situation to determine whether the advisor is the right fit. In some of the bigger Hartley firms, you might find that your account is managed by a team rather than an individual.

Financial Advisors Hartley UK (01474)

To describe your financial situation and ambitions to the advising company, you'll need to fill out a "Fact Find" form, which is a confidential disclosure document. You should also be given an Initial Disclosure Document, or Key Facts Document, which provides you with information regarding the financial advisor, their status to offer restricted or independent advice and their scope of permissions in the financial arena. If you are not happy with the service provided, and wish to complain, this document will also lay down your own rights and the options you can take. It must be typed out in plain language and outline what you are committing yourself to, and any potential benefits and risks if you elect to go along with the advice offered. The Key Facts Document will also inform you about the allowed cooling-off period. This enables you to cancel the agreement with your financial advisor within a specific time frame, and whenever any penalty charges are incurred.

When speaking to your financial advisor the very first time make sure you check their experience and qualifications. Asking such questions should never cause you any embarrassment, because after all you are about to entrust them with your financial wellbeing. All Hartley financial advisors must as a minimum hold a Level 4 qualification and be able to present an annual Statement of Professional Standing. If the advisor's name does not appear on the Financial Services Register, don't freak out, the firm the advisor works for should be found on the register and their advisors will be covered by the legislation. If they are unable to supply this evidence, the individual can't offer advice but can offer financial guidance. Guidance isn't regulated in the same way as financial advice, which means that if mistakes occur neither party will have any recourse.

Financial Advisor Quotes in Hartley Kent

You'll be asked the level of risk you are ready and able to take on, if you are seeking advice on investing money. Higher risk investments may offer better rewards, however some or all of your funds could be lost. Decent financial and investment advice will take into account your savings goals, i.e. how quickly you need to access your funds, how much money you want to invest and short or long term investments. One question you should ask of yourself, which is usually neglected, is just how much money you can afford to lose. Sometimes referred to as your capacity for loss, this will quite likely have an effect on services and products that you're offered.

Financial Advice Near Hartley Kent

From the outset, it's imperative that you tell your financial advisor about any investments, regular payments, savings or mortgages that you currently have. They will need this information, so that they can get a picture of your finances and give the best advice for your needs. Sound financial advice should allow for diversifying your savings and investments by spreading the risk across various different products. A certified financial advisor in Hartley will have the knowledge of the best areas to consider, which mirror your financial situation and your goals.

Communicating in the plainest speech possible, your financial advisor will unmask the multifaceted world of finance and investment. This will help you to compare services and products which match your needs, and make an informed decision. If you are environmentally minded, you could even ask your financial advisor to stick to ethical savings and investments. This will allow you to lend support to enterprises and companies which address your concerns, i.e. zero carbon or green energy, or perhaps steering clear of firms that do not meet your criteria.

It may prove difficult to manage your work and other commitments around working closely with your financial advisor in Hartley. Face-to-face meetings can be backed up with video conferencing and phone calls to allow you to seek advice at times that suit you. Any professional financial advice company in Hartley will have rigorous measures in force to keep your details confidential and secure, even if you rarely have a face-to-face meeting with your advisor, because remote and home working is no longer unusual.


Investment values could go down as well as up, and this is a factor that you need to keep in mind. It can be quite demoralising and worrying if your investment isn't making the amount of money you were hoping for. Unfortunately, your investment having a downward trend isn't a recognised basis for complaint, unless it's because of misleading or wrong information from your advisor.

Independent Financial Advisor Near Hartley (DA3)

The company's complaints procedure should be the best place to start with any disputes, and the Key Facts Document should explain this. If the problem remains unsolved within the period set out by the regulating authority, and your financial advisor is registered with the Financial Conduct Authority, you can inform the Financial Ombudsman.

The Financial Ombudsman will look into the cause for complaint and come to a decision. If the complaint is justified, a decision will be made on how to rectify the situation or financially compensate the client. Once the decision is agreed on by the customer it becomes a legally binding decision which the advisor and their company, must comply with. The Ombudsman will also take into account any inconvenience, upset, hassle and distress caused to the customer during the situation, and set the level of compensation proportionately.

Book a Financial Advisor in Hartley UK

Financial advice can be provided in Hartley and also in nearby places like: Higham, Longfield, West Kingsdown, South Darenth, Horton Kirby, Luddesdown, Vigo, Meopham, Ash, Stanstead, Cuxton, New Ash Green, Istead Rise, Upper Halling, Trottiscliffe, Shorne, together with these postcodes DA3 8AP, DA3 8AX, DA3 7DX, DA3 8DN, DA3 7DZ, DA3 7ER, DA3 8DR, DA3 7EG, DA3 7DG, DA3 8BT. Local Hartley financial advisors will probably have the dialling code 01474 and the postcode DA3. Verifying this will confirm you're accessing locally based financial advisers. Hartley property owners can utilise these and lots of other comparable services.

Pension Planning

Secure retirement hinges on the important aspect of pension planning. Engaging the services of a financial advisor can be instrumental in achieving a considerable enhancement of this process. A customised pension strategy will be designed by a competent advisor after assessing your current financial situation and understanding your retirement goals. The complexities of UK pension alternatives, including the state pension, workplace pensions, and self-invested personal pensions, are navigated by them. Informed decisions about investment choices, tax implications and contributions can be accomplished through leveraging their expertise. Working with a financial advisor in Hartley guarantees the creation of an effective 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 heart of UK pension planning. The number of National Insurance contributions you make over your working life will generally determine how much State Pension you will receive. However, the changes to the State Pension age and the number of qualifying years needed have made it more important than ever to understand the intricacies of this scheme. (42316)

Hartley Financial Advice Services

Financial Advice Tasks Hartley

There are a wide range of services which can be provided by your local Hartley financial advisor including cashflow planning in Hartley, multi-asset portfolios, annuities in Hartley, tax advice, stakeholder pension advice, general financial planning Hartley, personal protection, trusts, pensions in divorce Hartley, critical illness cover, annuity purchases, unit trusts Hartley, divorce financial planning in Hartley, pension drawdowns Hartley, portfolio management Hartley, investment reviews Hartley, familt controlled trusts in Hartley, equity release advice in Hartley, business protection, retirement advice, family income benefit, saving for children Hartley, savings advice Hartley, offshore investment advice, pension transfer advice, trustee investment services, pension consolidation Hartley, ISA's, ethical investments in Hartley, bridging finance in Hartley, and lots more. These are just a small portion of the tasks that can be carried out by a financial advisor. Hartley professionals will be delighted to keep you abreast of their entire range of financial services.

A Financial Advisor's Regular Duties

  • Providing consultation, education and counselling with regards to investments and finances.
  • Recommending the financial products that are best-suited to clients.
  • Working in conjuction with peers to obtain statistics, trends and market information.
  • Speaking to clients about their finances and plans.
  • Making deals with with financial product providers.
  • Keeping fully abreast of law changes and new financial products.
  • Maintaining a record of potential clients and transactions.
  • Updating clients about their investments.
  • Meeting targets for sales and performance.
  • Producing financial reports.

Skills and Knowledge Necessary for Financial Advisors

  • Outstanding verbal communication skills.
  • To be goal driven.
  • A good level of numeracy for producing financial plans.
  • An excellent understanding of accounting and economics associated with financial markets and products.
  • To be good at selling financial services and products.
  • To have the ability to listen attentively
  • Effective management skills for the negotiation of product rates.
  • Excellent customer service skills for identifying client requirements.
  • To have the ability to use a computer and the main software packages.
  • To be able to network and establish relationships with clients.
  • To pay attention to detail and be thorough.

Financial Advisors Near Hartley

Also find: Higham financial advisors, Luddesdown financial advisors, Cuxton financial advisors, Upper Halling financial advisors, Stanstead financial advisors, South Darenth financial advisors, Longfield financial advisors, Horton Kirby financial advisors, Istead Rise financial advisors, Trottiscliffe financial advisors, Vigo financial advisors, Shorne financial advisors and more. Financial advisors are available for discussions in all these villages and towns. Home and property owners in these places can make enquiries about financial advice by going here.

Hartley Financial Advice Services

Find a Financial Advisor in Hartley Here
Financial Advice Enquiries in Hartley Kent (01474)
  • Hartley Mortgage Advice
  • Hartley Life Insurance Advice
  • Hartley Financial Advice Quotes
  • Hartley Cashflow Analysis
  • Hartley Investment Advice
  • Hartley Wealth Management
  • Hartley Retirement Advice
  • Hartley Estate Planning
  • Hartley Pension Advice
  • Hartley Inheritance Advice
  • Hartley Tax Advice
  • Hartley Financial Services
  • Hartley Corporate Financial Planning
  • Hartley Financial Advice

If you want local Hartley information go here

Independent financial advisor in DA3 area, telephone code 01474.

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(This financial advisor Hartley article was reviewed and updated on 20-02-2024)