Financial Advisor Kettering

Kettering Independent Financial Advice & Investment

Financial Advisor Kettering Northamptonshire (NN15): Finding a reliable financial advisor advisor in the Kettering area can be a daunting experience, especially if you're seeking financial advice for the first time. Whether it's mortgage, pensions, investments or even insurance advice that you're after, there is one common rule for all financial advisors; they all have to stick to Financial Conduct Authority regulations. The good thing about this is that should a financial advisor who is FCA approved give you poor advice, and anything goes awry, you have guarantees, and are able to get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman to have it put right.

Free Kettering Financial Advisor Quotes

A good starting point in choosing a financial advisor in Kettering can be relatives and friends, but keep in mind that the kind of advice you're looking for could be different to theirs. Any advice they provide needs to be adapted to your particular situation, and not every financial advisor is suitable for everyone. It pays to chat to at least 3 different firms when you are selecting a financial advisor, because this is a big decision, and you will be looking to find one that you feel comfortable with and can trust, and also explore the various options they offer.

Financial Advisor Kettering Northamptonshire (NN15)

There are 2 main kinds of financial advisor in Kettering; restricted advisors and independent financial advisors (IFA). An IFA should not be limited to the services and products of a single company. Independent financial advice should be offered in an unbiased way and across the whole gamut of financial products and companies. If you decide to use an IFA, you will be able to pick from the widest possible range of products, in order to find the perfect solution for you. A restricted advisor may be involved with an individual product, such as a mortgage advisor, or be restricted to products and services from a single provider.

Before any financial advisor takes you on as a client, they're required by the Financial Conduct Authority to discuss their charges with you. Based upon the kind of services you require, you could be charged a set fee, by the hour or even a specific percentage of your investment value. A free first consultation will sometimes be offered, so that you can discuss your goals and circumstances to see if the advisor is a good fit. If you use one of the larger Kettering firms, your account could be managed by a team of advisors rather than just one person.

Financial Advisors Kettering UK (01536)

To outline your targets and financial situation to the advising firm, you will have to fill out a "Fact Find" document, which is a confidential disclosure form. You should also be given a Key Facts or Initial Disclosure Document, which provides you with information about the financial advisor, their situation for offering independent or restricted advice and the scope of their permissions in the financial sector. Your own legal rights will also be set out in this document, together with the options you can take if you want to complain because you are not happy with the service you're given. It must be written in plain English and describe what you're signing up for, and any possible benefits and risks if you opt to go along with the offered advice. The allowed cooling-off period should also be fully explained in this Key Facts Document. This enables you to cancel the contract within a specific period of time, and if any penalty charges are incurred.

When chatting with your financial advisor initially ensure that you check their experience and qualifications. You should never be self-conscious about asking these questions, after all you're on the verge of entrusting your financial future to their skill. A Level 4 qualification in financial advice is the minimum required certification for any financial advisor in Kettering, and they also have to be able to present you with an annual Statement of Professional Standing. When you check the Financial Services Register, you don't need to panic if your particular advisor's name does not show up on there; you ought to be able to locate the firm name, and that means the regulations covers all of their personnel. If they are not able to present this proof, the person cannot offer advice but is able to offer financial guidance. Guidance is different to advice as it isn't regulated in the same way, and if financial blunders are made there will probably be no recourse to either party.

Financial Advisor Quotes in Kettering Northamptonshire

You will be asked about the level of risk you're ready and able to take on, if you are seeking advice on investing money. Higher risk investments may potentially offer substantial rewards, but some or all of your cash could be lost. Your savings goals will need to be taken into account if good investment advice is to be given, i.e. how much you have to invest, long or short term investments and how rapidly you need access to your funds. You must always ask yourself the one crucial question, how much money can you actually afford to lose. Known as your capacity for loss, this will very likely have an effect on services and products that you are offered.

Financial Advice Near Kettering Northamptonshire

If you already have any existing mortgage loans, regular payments, savings or investments, you have to let your financial advisor know about these. To ensure that you get the most suitable advice for you, they need to have a full and clear picture of your financial situation. Spreading the risk across various products by diversifying your investments and savings, is something that good quality financial advice should allow for. A competent financial advisor in Kettering will understand the best areas to consider, which mirror your financial situation and your goals.

Your financial advisor will attempt to communicate in the clearest possible way, while opening up the multifaceted world of finance. This will enable you to compare services and products that match your needs, and come to an informed decision. You could maybe ask your advisor to only specify ethical investments and savings. You can then stay away from firms that corporations meet your standards, and instead support those firms and organisations that match your concerns, for example zero carbon or renewable energy.

It's not that easy to have a close working relationship with a financial advisor in Kettering without this impacting your work life and other commitments. To allow you to get advice at a time to suit you, one-on-one meetings can be supplemented with telephone and video conferencing. Even if you hardly ever have an in-person meeting with your personal advisor, an experienced financial advice provider in Kettering will have stringent measures in place to keep your details confidential and secure, because working from home and remote working is now a large part of our society.


Investments can be a volatile area, and their values could go down as well as up. It can be incredibly frustrating and stressful if your investment isn't making the amount of money you hoped for. However, unless it is down to misleading or wrong information from your financial advisor, a downward trend in your investment isn't a recognised grounds for complaint.

Independent Financial Advisor Near Kettering (NN15)

Any complaints should start out with the firm's official complaints procedure as outlined in the Key Facts Document. You can inform the Financial Ombudsman of the issue if it is unresolved within the timeframe stipulated by the regulating body, and the advisor is a member of the Financial Conduct Authority.

After reviewing the cause of the complaint, the Financial Ombudsman will come to a decision on the issue. A decision is made on how to financially compensate the customer, if the complaint is upheld. Once the ruling has been accepted by the customer it becomes a legally binding decision that the financial advisor and their firm, must comply with. Any compensation laid down by the Financial Ombudsman will also account for any inconvenience, upset, trouble and distress caused to the client during the dispute.

Book a Financial Advisor in Kettering UK

Financial advice can be provided in Kettering and also nearby in: Cransley, Broughton, Isham, Loddington, Barton Seagrave, Mawsley, Desborough, Pytchley, Rushton, Orlingbury, Glendon, Cranford, Little Cransley, Burton Latimer, Rothwell, Warkton, as well as in these postcodes NN15 6AY, NN15 5JY, NN15 6BE, NN15 5US, NN14 1YQ, NN15 5RZ, NN15 5JG, NN15 5DS, NN14 2ZF, NN15 5XL. Locally based Kettering financial advisors will likely have the phone code 01536 and the postcode NN15. Verifying this will ensure that you're accessing local financial advisers. Kettering home and business owners are able to benefit from these and many other similar services. Click on the "enquiry" banner or form to get details about financial advisors in your location.

A Financial Advisor's Day to Day Duties

  • A financial advisor provides counselling, education and consultation regarding investments and finances.
  • A financial advisor keeps a record of transactions and customers.
  • A financial advisor talks to customers regarding their plans and finances.
  • A financial advisor negotiates with providers of financial products.
  • A financial advisor works together with colleagues to collect statistics, market information and trends.
  • A financial advisor keeps up to date with new financial products and law changes.
  • A financial advisor meets targets for sales and performance.
  • A financial advisor recommends the best-suited financial products to customers.
  • A financial advisor continually updates clients regarding their investments.
  • A financial advisor produces comprehensive financial reports.

Kettering Financial Advice Services

Financial Advice Tasks Kettering

There is a variety of services that are provided by your local Kettering financial advisor including bereavement benefits in Kettering, money planning in Kettering, financial analyst services, business financial planning, trustee investment services in Kettering, pension drawdowns, personal protection, corporate bonds in Kettering, annuities, life assurance advice, pension planning, saving for children, trusts, tax advice, ISA's in Kettering, financial planning, family income benefit in Kettering, will writing services, financial advice services, wealth management, investment plans, general financial planning in Kettering, savings advice, cashflow analysis in Kettering, income protection advice Kettering, cash flow modelling, multi-asset portfolios, annuity purchases, cheap financial advice in Kettering, pension consolidation advice, and more. Listed are just a few of the duties that can be conducted by a financial advisor. Kettering professionals will let you know their whole range of services.

Skills Needed to be Financial Advisors

  • To pay attention to detail and be thorough.
  • To be good at promoting services and products.
  • To have the ability to network and build relationships with customers.
  • A thorough knowledge and understanding of accounting and economics associated with financial products and markets.
  • Excellent customer service skills for establishing client needs.
  • Outstanding skills in verbal communication.
  • To have good time management skills.
  • Good business management skills for the negotiation of product fees.
  • To be capable of using a computer and the appropriate software programs.
  • Active listening skills.
  • An outstanding level of numeracy for creating financial plans.

Financial Advisors Near Kettering

Also find: Little Cransley financial advisors, Pytchley financial advisors, Orlingbury financial advisors, Warkton financial advisors, Mawsley financial advisors, Glendon financial advisors, Cransley financial advisors, Isham financial advisors, Rushton financial advisors, Loddington financial advisors, Cranford financial advisors and more. All of these places are served by financial advisors. Home and property owners in these places can make enquiries about financial advice by clicking here.

Kettering Financial Advice Services

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Independent financial advisor in NN15 area, telephone code 01536.

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(This financial advisor Kettering content was reviewed and updated on 20-02-2024)