Financial Advisor Herne Bay

Herne Bay Independent Financial Advice & Investment

Financial Advisor Herne Bay Kent (CT6): It can be an intimidating experience trying to find a decent financial advisor advisor in Herne Bay, particularly if it's the very first time that you're in search of financial advice. However, all professional financial advisors have one thing in common; they must all conform to the regulations of the Financial Conduct Authority (FCA), regardless of whether you are searching for mortgage, pensions, investment or even insurance advice. Any advice given by a FCA certified financial advisor in Herne Bay comes with the guarantee that if things go wrong, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman.

Free Herne Bay Financial Advisor Quotes

Recommendations from family and friends can be a decent starting place in picking a financial advisor in Herne Bay, but keep in mind that their situation may be different to the sort of advice you're looking for. Financial advice must be individually tailored to your particular circumstances, and you'll find that certain financial advisors may not be suitable for your requirements. Choosing the right financial advisor is important and it is a good idea to talk to at least 3 different companies so as to check out the various options they provide, and to find one you can trust and feel at ease with.

Financial Advisor Herne Bay Kent (CT6)

There are two main types of financial advisor in Herne Bay; independent financial advisors (IFA) and restricted advisors. The good thing about seeing an IFA is that they should not be restricted to just one company's products or services, and can offer a more extensive range of options. Independent financial advice should be offered in an impartial way and should cover the full spectrum of financial companies and products. If you choose to use an independent financial advisor, you'll be able to choose from the widest possible array of services, so as to find the perfect solution for your needs. A restricted financial advisor could be limited to services and products from a particular company, or may even concentrate on a specific product, as you might find with a mortgage advisor.

Before any financial advisor takes you on as a client, they're required by the FCA to tell you about their charges. You could be charged a set fee, by the hour or even a percentage of your investment value, in accordance with type of product you require. You might be offered the possibility of a free initial consultation to enable you to discuss your objectives and determine whether the advisor is a good fit for you and your circumstances. In some bigger Herne Bay firms, you might find that your account is looked after by a team as opposed to an individual.

Financial Advisors Herne Bay UK (01227)

Before any actual advice is handed out you'll be asked to fill in a confidential disclosure document, known as a "Fact Find" form, which tells the advising firm about your financial situation and targets. You should also be given a Key Facts or Initial Disclosure Document, which provides details of the financial advisor, their situation for offering restricted or independent advice and the extent of their permissions in the financial market. This document should also lay down your rights and the possible options you can take if you're not happy with the service, and need to complain. It should be written in plain English and outline what you're signing up for, and any potential benefits and risks that exist if you elect to take the advice offered. You can find the amount of cooling-off period in this document. Within a certain period of time, this allows you to cancel your agreement with the financial advisor.

The first time you are talking to your financial advisor make sure you check what experience and qualifications they've got. Don't be self-conscious about asking these questions, after all you're just about to entrust your financial wellbeing to their skill. A Level 4 qualification in financial advice is the minimum required certification for any Herne Bay financial advisor, and they must also be in a position to present an annual Statement of Professional Standing. If the advisor's name doesn't show up on the Financial Services Register, don't freak out, the company the person works for will almost certainly be on the register and their employees will be covered by the legislation. If these cannot be provided the person may still offer financial guidance as opposed to advice. Guidance isn't subject to regulations in the same way as financial advice, which means that if mistakes are made the client won't have any recourse.

Financial Advisor Quotes in Herne Bay Kent

If you're seeking advice on investing money you will be asked the amount of risk you're comfortable with. Bigger rewards might be possible with high risk investments, however you could also lose some or all of your funds. In order to get the most beneficial financial and investment advice, your savings aims will have to be taken into account, i.e. short or long term investments, how quickly you need access to your funds and how much money you want to invest. One question you should ask yourself, which is often neglected, is just how much you can actually afford to lose. Generally known as your capacity for loss, this will very likely influence the products and services that you're offered.

Financial Advice Near Herne Bay Kent

You should tell your financial advisor about your current mortgage loans, regular outgoing payments, savings accounts or investments. To make certain that you get the most appropriate advice for you, they need a full and clear picture of your financial situation. Spreading the risk across different products through the diversification of your savings and investments, is something that good quality financial advice should embrace. A competent financial advisor in Herne Bay will have the knowledge of the best areas to consider, which reflect your financial situation and your goals.

Your financial advisor will try to communicate in as plain a speech as possible, to open up the complex world of finance. You should be in a position to make an informed decision once you have compared the various services and products that match your needs. If you're environmentally minded, you can even ask your advisor to stick to ethical savings and investments. This allows you to lend support to enterprises and firms which match your concerns, i.e. green energy or zero carbon, or perhaps avoiding investments that do not meet your criteria.

Having constant interactions with your financial advisor in Herne Bay could cause complications with your work and other responsibilities. This can be alleviated by supplementing one-on-one meetings with video conferencing and telephone calls, hence enabling you to seek the guidance you need at a convenient time. A professional financial advice provider in Herne Bay will have strict measures in place to ensure your details are kept secure and confidential, even if you never have a one-on-one meeting with your advisor, because remote and home working is no longer unusual.


Investments can be an unpredictable area, and their values could go down as easily as they go up. If your investment isn't making as much money as you were hoping for, it can be extremely frustrating and stressful. Regrettably, a downward spiraling of your investment is not seen as a grounds for complaint, except if it's down to misleading or wrong information from your advisor.

Independent Financial Advisor Near Herne Bay (CT6)

As indicated in the Key Facts Document, any complaints should start out with the firm's complaints procedure. If your advisor is registered with the Financial Conduct Authority, you can let the Financial Ombudsman know about the problem if it is unresolved within the time set by the regulating authority.

The Financial Ombudsman will make a ruling after reviewing the cause of the complaint independently. If the complaint is upheld, a decision is made on how to rectify or financially compensate the customer. The financial advisor and their firm must abide by any ruling that is made by the Ombudsman, which becomes legally binding once the client has accepted it. Any hassle, distress, inconvenience and annoyance caused to the client during the dispute, will be considered when the Financial Ombudsman establishes the level of compensation.

Book a Financial Advisor in Herne Bay UK

Financial advice can be provided in Herne Bay and also in: Broomfield, Tyler Hill, Sturry, Hersden, Birchington, Monkton, Herne Common, Beltinge, Eddington, Westbere, Broadoak, Hoath, Upstreet, Reculver, St Nicholas at Wade, Chestfield, Whitstable, together with these postcodes CT6 5BU, CT6 5RF, CT6 5BL, CT6 5QF, CT6 5RX, CT6 5JJ, CT6 5HN, CT6 5HP, CT6 5HR, CT6 5AG. Locally based Herne Bay financial advisers will likely have the postcode CT6 and the phone code 01227.

A Financial Advisor's Regular Duties

  • Financial advisors meet performance and sales targets.
  • Financial advisors work with their peers to gather trends, market information and statistics.
  • Financial advisors provide consultation, education and counselling with regards to finances and investments.
  • Financial advisors research financial products and explain them clearly and simply to their clients.
  • Financial advisors produce detailed financial reports.
  • Financial advisors keep abreast of legislation changes and new financial products.
  • Financial advisors negotiate with providers of financial products.
  • Financial advisors update customers concerning their investments.
  • Financial advisors talk to clients regarding their finances and plans.
  • Financial advisors keep detailed records of potential customers and transactions.

Herne Bay Financial Advice Services

Financial Advice Tasks Herne Bay

There is a variety of services which are provided by your local Herne Bay financial advisor including investment bonds, financial analyst services, investment advice in Herne Bay, annuity purchase, ISA's, long term care fee advice Herne Bay, offshore investments in Herne Bay, family income benefit, investment advice Herne Bay, general financial planning in Herne Bay, corporate bonds Herne Bay, pension planning, stakeholder pensions in Herne Bay, equity release advice in Herne Bay, income protection Herne Bay, trusts, pension consolidation, retirement advice, personal financial planning, pension reviews, cheap financial advice, wealth management & investments in Herne Bay, pension advice, mutual funds in Herne Bay, corporate financial planning in Herne Bay, and more.

Financial Advice Enquiries Kent

Financial Advice Enquiries Kent

Recent Kent financial advice enquiries: Millie-Rose Keane and Kaison Keane from Southfleet, Kent recently asked for information on investment bonds. Mr and Mrs Biggs from Speldhurst recently asked for information on equity release. Will and Aida Parry from St Marys Bay, Kent recently enquired about family income benefit. Rocco London and Carmen London from Sandhurst recently asked for information on pensions. Amayah Johnstone from Chart Sutton recently enquired about investment advice. Aniyah and Bentley Mccall from Thurnham recently asked for information on financial planning. Helena and Ezekiel Griffiths from Broad Oak, Kent recently asked for information on equity release. Mr and Mrs Mcnulty from Borough Green recently asked for information on financial planning.

Kent Financial Advisors

Herne Bay Advisor Advisors Financial Advisor Advice Services Financial Advice Kent Advisers Investment CT6 01227 Financial

In Kent you will additionally discover: Knockholt financial advisors, Chilham financial advisors, Westerham investment advisors, Lower Halstow financial advisors, Warden financial advice, Capel investment advisors, Chart Sutton investment advisors, Bean financial advice, Barming investment advice, Kemsing investment advice, Leigh investment advice, South Darenth investment advisors, Paddock Wood financial advice, Hartley financial advice, Sheerness financial advisors, Littlebourne investment advice, Wingham financial advisors, Boughton Aluph investment advisors, Eastchurch investment advisors, Sutton At Hone financial advisors, Culverstone Green financial advisors, Queenborough investment advisors, Paddock Wood investment advice, Patrixbourne investment advisors, Smarden investment advisors, Whitfield financial advice, Capel le Ferne financial advice, Broadstairs investment advice, Sole Street investment advisors, Hythe financial advisors.


Financial Advisors Near Herne Bay

Also find: Reculver financial advisors, Beltinge financial advisors, St Nicholas at Wade financial advisors, Whitstable financial advisors, Broadoak financial advisors, Birchington financial advisors, Eddington financial advisors, Westbere financial advisors, Herne Common financial advisors, Chestfield financial advisors, Upstreet financial advisors, Monkton financial advisors, Tyler Hill financial advisors, Broomfield financial advisors, Hoath financial advisors, Hersden financial advisors, Sturry financial advisors and more.

Herne Bay Financial Advice Services

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

Financial Advisors Around Herne Bay: Financial advisors were recently needed by folks living in Crown Hill Road, Shore Close, Alexandria Drive, Shapland Close, Cross Street, Stanley Gardens, Cavendish Road, Coventry Gardens, Swalecliffe, Dolphin Street, Alma Road, Sussex Gardens, Sunningdale Walk, Brunswick Square, Sussex Close, Dean Croft, Chapel Row, The Grove, Singer Avenue, Carlton Hill, Sweechbridge Road, Bogshole Lane, Sondes Close, Crossley Avenue, The Fairway and these Herne Bay postcodes: CT6 5BU, CT6 5RF, CT6 5BL, CT6 5QF, CT6 5RX, CT6 5JJ, CT6 5HN, CT6 5HP, CT6 5HR, CT6 5AG.

Herne Bay Financial Advisor Jobs: Browse financial adviser jobs in Herne Bay by going here: Herne Bay Financial Advisor Jobs

Herne Bay Kent: Information about Herne Bay can be seen here

Independent financial advisor in CT6 area, 01227.

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(This financial advisor Herne Bay article was successfully updated on 06-05-2022)