Financial Advisor Herne Bay

Herne Bay Independent Financial Advice & Investment

Financial Advisor Herne Bay Kent (CT6): If you are in search of financial advice for the first time, trying to locate a decent independent financial advisor in the Herne Bay area can be a quite daunting experience. Whether you're looking for investment, pension, mortgage or even insurance advice, all professional financial advisors are bound by one common rule; they all have to conform to the regulations laid down by the FCA (Financial Conduct Authority). Any advice given through a FCA certified financial advisor in Herne Bay comes with guarantees that if anything should go wrong, you have access to the Financial Services Compensation Scheme or the Financial Ombudsman.

Free Herne Bay Financial Advisor Quotes

When picking a financial advisor in Herne Bay, a decent place to begin could be friends and relations, but you must bear in mind that your situation might not be in line with theirs, and you may be in need of a different kind of advice. Financial advice should be specifically tailored to your unique circumstances, and you'll find that some financial advisors might not be suitable for your requirements. Choosing the right financial advisor is crucial and it is wise to chat to at least three different firms in order to investigate the various options they offer, and to find one that you can trust and feel comfortable with.

Financial Advisor Herne Bay Kent (CT6)

There are 2 principal kinds of financial advisor in Herne Bay; independent financial advisors (IFA) and restricted advisors. Offering a broader range of options, an IFA will not be restricted to just one provider's products and services. Independent financial advice should cover the entire gamut of financial products and companies, and must be offered in an impartial way. This enables you to pick from the widest range of products to suit your needs. A restricted financial advisor may be concerned with an individual product, as with a mortgage advisor, or be limited to products and services from one particular provider.

Before any financial advisor in Herne Bay takes you on as a client, they're required by the Financial Conduct Authority to be transparent about their charges. You could be charged a set fee, by the hour or perhaps even a percentage of your investment value, in accordance with kind of services you're interested in. To enable you to discuss your goals and find out if the advisor is suitable for your circumstances, you could be offered the chance of a free preliminary consultation. Your account could be managed by a team as opposed to a single advisor, if you elect to go with one of the larger Herne Bay companies.

Financial Advisors Herne Bay UK (01227)

To summarise your objectives and financial situation to the advising company, you'll be required to complete a "Fact Find" form, which is a confidential disclosure document. An Initial Disclosure Document, or Key Facts Document will also be handed to you, to provide details about the financial advisors themselves, detailing their scope of permissions in the financial market and their situation for offering restricted or independent advice. If you're not satisfied with the service provided, and wish to complain, this document will also lay down your legal rights and the options you can take. It has to be easily understood, written in plain language, and describe precisely what you're signing up for, along with the risks and benefits of taking the proffered advice. You can find the level of cooling-off period in the Key Facts Document. Within a specific number of days, this makes it possible for you to cancel the agreement with your financial advisor.

The first time you are speaking to your financial advisor make sure you check what qualifications and experience they have. After all you are on the verge of entrusting your financial wellbeing to their skill, so you should not be self-conscious about asking such questions. All financial advisors in Herne Bay must as a minimum hold a Level 4 qualification and present an annual Statement of Professional Standing. When checking the Financial Services Register, you should not stress if your financial advisor's name does not appear on there; you will probably locate the firm name, and that means the legislation covers all of their advisors. If they're not able to provide this evidence, the person can't offer advice but only financial guidance. Guidance isn't subject to regulations in the same way as financial advice, meaning that if errors arise neither party will have any recourse.

Financial Advisor Quotes in Herne Bay Kent

If you are needing advice on investments you'll be asked about the amount of risk you're comfortable with. High risk investments could offer substantial rewards, however all or some of your money could be lost. Your savings objectives must be considered if good financial and investment advice is to be given, i.e. how much you wish to invest, how rapidly you need to access your money and short or long term investments. You must invariably ask yourself the one crucial question, how much money can you truly afford to lose. This is generally known as your 'capacity for loss' and may affect the services and products that could be offered to you.

Financial Advice Near Herne Bay Kent

Right from the start, it's crucial that you let your financial advisor know about any existing investments, regular outgoings, mortgage loans or savings that you have. They will need this information, so that they can get a clear picture of your financial situation and give the best advice for you. Smart financial advice should allow for diversifying your savings and investments by spreading the risk across different products. A qualified financial advisor in Herne Bay will be aware of the best areas to consider, which match your goals and your financial situation.

Communicating in the clearest possible way, your financial advisor will unmask the complex world of finance and investment. After learning about the various services and products which meet your needs, you should be in a position to make an informed and knowledgeable decision. If environmental issues are important to you, you could perhaps ask that ethical savings and investment schemes take top priority. This allows you to give your support to companies and organisations which match your concerns, i.e. zero carbon or green energy, or perhaps avoiding firms that do not meet your requirements.

It's not that easy to work closely with a financial advisor in Herne Bay without this affecting your work life and other responsibilities. This can be alleviated by augmenting face-to-face appointments with video conferencing and telephone, thus allowing you to get the advice you need at times that are convenient. Remote and home working is now commonplace, and a competent financial advice provider in Herne Bay will have rigorous measures in force to keep your details secure and confidential, even if you hardly ever have an in-person meeting with your personal advisor.


Investments can easily go down as well as up, as the financial world can be unpredictable. If your investment isn't making as much money as you hoped for, it can be extremely disheartening and stressful. However, except if it is due to incorrect or misleading information from your financial advisor, your investment having a downward trend isn't a recognised basis for complaint.

Independent Financial Advisor Near Herne Bay (CT6)

As outlined in the Key Facts Document, any grievances should begin with the company's complaints procedure. You can inform the Financial Ombudsman of the situation if it remains unresolved within the time-frame set out by the regulating authority, and the advisor is registered with the FCA.

After looking into the cause for complaint, the Financial Ombudsman will come to a decision on the issue. If the complaint is justified, a decision will be made on how to financially compensate the client. The advisor and their company must abide by any decision that is made by the Ombudsman, which becomes a legally binding decision once the customer has accepted it. Any distress, inconvenience, hassle and upset caused to the customer during the process, will be accounted for when the Ombudsman sets the level of compensation.

Book a Financial Advisor in Herne Bay UK

Financial advice can be provided in Herne Bay and also nearby in: St Nicholas at Wade, Whitstable, Broadoak, Birchington, Sturry, Chestfield, Monkton, Eddington, Upstreet, Hersden, Herne Common, Westbere, Hoath, Tyler Hill, Reculver, Beltinge, Broomfield, and in these postcodes CT6 5LA, CT6 5BG, CT6 5RJ, CT6 5SD, CT6 5PU, CT6 5LG, CT6 5GW, CT6 5RX, CT6 5PL, CT6 5BP. Local Herne Bay financial advisors will likely have the phone code 01227 and the postcode CT6. Verifying this should make certain that you are accessing local financial advisers. Herne Bay property owners are able to utilise these and various other similar services. Simply click on the "enquiry" form or banner to get information on financial advisors in your location.

Herne Bay Financial Advice Services

Financial Advice Tasks Herne Bay

There are a number of different services that can be provided by your local Herne Bay financial advisor including general financial planning in Herne Bay, familt controlled trusts Herne Bay, investing an inheritance, corporate bonds in Herne Bay, pension consolidation, family income benefit, equity release advice, wealth management, bridging finance, multi-asset portfolios Herne Bay, ISA's, business financial planning in Herne Bay, savings advice, pension transfers, investment planning Herne Bay, offshore investment advice, bereavement benefits in Herne Bay, long term care fee planning, retirement plans, corporate financial planning, personal protection, will writing services, pension planning, mortgage advice, cheap financial advice Herne Bay, investment consolidation, portfolio management in Herne Bay, inheritance tax planning, cashflow analysis, independent financial advice in Herne Bay, and more. Listed are just a handful of the duties that can be handled by a financial advisor. Herne Bay professionals will inform you of their entire range of financial services.

Everyday Duties for a Financial Advisor

  • Working in conjuction with colleagues to collect market information, statistics and trends.
  • Providing education, counselling and consultation with regards to investments and finances.
  • Meeting sales and performance targets.
  • Negotiating with providers of financial products.
  • Keeping fully up to date with law changes and new financial products.
  • Maintaining detailed records of clients and transactions.
  • Researching financial products and explaining them clearly and simply to customers.
  • Chatting with clients regarding their plans and finances.
  • Producing financial reports.
  • Consistently updating clients about their investments.

The Skills and Knowledge Needed to be Financial Advisors

  • To have the ability to network and build solid relationships with customers.
  • An excellent knowledge and understanding of economics and accounting relating to financial markets and products.
  • To have excellent time management skills.
  • To pay attention to detail and be thorough.
  • Excellent verbal communication skills.
  • Attentive interpersonal and listening skills.
  • Good management skills for the negotiation of product prices.
  • An excellent level of mathematical knowledge for creating financial packages.
  • Excellent skills in customer service for establishing customer needs and requirements.
  • To have excellent IT skills.
  • To be good at selling financial products and services.

Financial Advisors Kent

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

In the Kent area you will also discover: Frittenden investment advisors, Kingsnorth pension advice, Shoreham financial advice, Bethersden investment advice, Larkfield financial advisors, Downswood independent financial advisors, New Ash Green investment advisors, Strood investment advice, Eastchurch investment advice, Hoo St Werburgh financial advisers, Hinxhill financial advice, South Darenth independent financial advisors, Hawley investment advice, Chevening independent financial advisors, Saltwood pension advice, Swanley independent financial advisors, Elham investment advisors, Harrietsham financial advice, Horsmonden financial advice, Cranbrook independent financial advisors, Broadstairs pension advice, Leysdown pension advice, Walmer independent financial advisors, Marden financial advice, Kingswood financial advisor, Singleton independent financial advisors, Hoo independent financial advisors, Hothfield investment advisors, Lympne pension advice, Harrietsham financial advisors.


Financial Advisors Near Herne Bay

Also find: Westbere financial advisors, Whitstable financial advisors, Monkton financial advisors, Eddington financial advisors, Hersden financial advisors, Birchington financial advisors, Reculver financial advisors, Beltinge financial advisors, Sturry financial advisors, St Nicholas at Wade financial advisors, Tyler Hill financial advisors, Broomfield financial advisors, Chestfield financial advisors, Herne Common financial advisors, Upstreet financial advisors, Broadoak financial advisors, Hoath financial advisors and more. All these places are served by local financial advisers. Herne Bay residents can get financial advice estimates by clicking here.

Herne Bay Financial Advice Services

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

Financial Advisors Around Herne Bay: Some Herne Bay roads where financial advice has recently been given - Blenheim Close, Swallow Court, Bournemouth Drive, The Lees, Cecil Park, Bogshole Lane, Curtis Wood Park Road, Coulter Road, Spa Esplanade, Ashbee Gardens, Sunningdale Walk, Cross Street, The Fairway, Tyndale Park, Southsea Drive, Sondes Close, Curlew Close, Ashdown Close, Dence Park, Crossley Avenue, Charles Street, Albion Close, Cobblers Bridge Road, Bank Street, Chamberlain Drive, Clarence Road, Claremont Street, Collins Road, Arkley Road, Thornden Close, as well as these Herne Bay area postcodes: CT6 5LA, CT6 5BG, CT6 5RJ, CT6 5SD, CT6 5PU, CT6 5LG, CT6 5GW, CT6 5RX, CT6 5PL, CT6 5BP. People in these local areas recently required the help of a financial advisor. Herne Bay residents were given high quality and dependable financial services on each occasion.

Interesting Herne Bay facts and info can be discovered here

Independent financial advisor in CT6 area, (dialling code 01227).

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(This financial advisor Herne Bay page was checked and updated on 01-09-2022)