Financial Advisor Kingston upon Thames

Kingston upon Thames Independent Financial Advice & Investment

Financial Advisor Kingston upon Thames Greater London (KT1): Locating a decent financial advisor advisor in Kingston upon Thames can be an intimidating experience, especially if you are needing financial advice for the very first time. Whether you are looking for investments, mortgage, pension or even insurance guidance, all qualified financial advisors are bound by one common rule; they all have to adhere to the regulations of the FCA (Financial Conduct Authority). Any advice given by a FCA certified financial advisor in Kingston upon Thames comes with certain guarantees that if things go wrong, you can contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme.

Free Kingston upon Thames Financial Advisor Quotes

When picking a financial advisor in Kingston upon Thames, a good place to start could be friends and family, but you must bear in mind that your circumstances might not be in line with theirs, and you might need a different kind of advice. Financial advice must be individually tailored to your particular situation, and you'll find that some financial advisors might not be suitable for your requirements. It pays to chat to at least 3 different firms when you're considering a financial advisor, as this is an important decision, and you will be looking to find one that you can trust and feel comfortable with, and also explore the options they can provide.

Financial Advisor Kingston upon Thames Greater London (KT1)

There are two principal types of financial advisor in Kingston upon Thames; independent financial advisors and restricted advisors. The advantage of seeing an independent financial advisor is that they should not be confined to just one provider's products or services, and can offer a more extensive range of options. Independent financial advice must cover the entire gamut of financial companies and products, and should be offered in an impartial way. Consulting an independent financial advisor should permit you to pick from the broadest possible range of products. A restricted financial advisor might be limited to services and products from a particular provider, or may even focus on one particular product, as can be the case with a mortgage advisor.

Before accepting you as a client, any Kingston upon Thames financial advisor must be transparent about their charges, as required by the FCA. Although it varies depending on the kind of product you require, there may be an hourly rate, a set fee, or you could even be charged a slice of what you're investing. You could be offered a free initial consultation to allow you to discuss your objectives and see if the advisor is a right fit for you and your circumstances. In some of the bigger Kingston upon Thames companies, you could find that your account is handled by a team rather than an individual.

Financial Advisors Kingston upon Thames UK (020)

You will need to fill in a "Fact Find" document, which is a confidential disclosure form relating your financial situation and objectives to the advising company. An Initial Disclosure, or Key Facts Document will also be given to you, providing information about the financial advisors themselves, outlining their scope of permissions in the financial sector and their status to offer restricted or independent advice. This document will also lay down your own legal rights and the possible options you can take if you are not satisfied with the service, and would like to complain. It should describe what you're signing up for, and any potential risks and benefits if you choose to accept the offered advice, and it has to be written in plain English. The cooling-off period should also be fully explained in this Key Facts Document. Within a certain period of time, this allows you to cancel the contract.

You should check the qualifications and experience of the financial advisor when you first speak to them. After all you're on the verge of entrusting your financial wellbeing to their skill, so you should not be self-conscious about asking such questions. Every Kingston upon Thames financial advisor must be in a position to present an annual Statement of Professional Standing, and must hold at least a Level 4 qualification. You should not freak out if your particular financial advisor's name does not appear on the Financial Services Register, so long as the company is on the register, their staff will be covered by the legislation. If these can't be provided the person can still offer financial guidance as opposed to financial advice. Guidance is not regulated in the way that financial advice is, which means that if errors arise the client won't have any recourse.

Financial Advisor Quotes in Kingston upon Thames Greater London

If it is investing money that you're interested in, the advisor will ask you about the amount of risk you might be ready and able to accept with your hard-earned money. Higher risk investments could potentially offer bigger rewards, however all or some of your money could be lost. The best financial and investment advice should take into account your savings goals, i.e. long or short term investments, how quickly you need access to your money and how much you wish to invest. You must invariably ask yourself the one vital question, how much can you actually afford to lose. This is commonly called your 'capacity for loss' and might affect the products and services that are offered for your consideration.

Financial Advice Near Kingston upon Thames Greater London

From the outset, it's crucial that you tell your financial advisor about any investments, savings, regular payments or mortgage loans that you have. They will need to know this, so they can get a clear picture of your finances and give the appropriate advice for you. Spreading the risk load across a range of different products through the diversification of your savings and investments, is something that sound financial advice should encompass. A certified financial advisor in Kingston upon Thames will understand the best products to consider, which mirror your goals and your financial situation.

Your financial advisor will attempt to communicate in as much plain speech as possible, to unmask the multifaceted world of finance. After learning about the various products and services that meet your needs, you should be in a position to come to an informed and deliberative decision. You can maybe ask your advisor only to choose ethical investment and savings schemes. This allows you to give your support to firms and businesses which match your concerns, i.e. green energy or zero carbon, or perhaps staying away from firms that do not meet your requirements.

It can prove tricky to manage your work and other commitments around a close working relationship with a financial advisor in Kingston upon Thames. This can be alleviated by augmenting one-on-one meetings with video conferencing and telephone calls, hence enabling you to seek the advice you need at times that are convenient. An established financial advice provider in Kingston upon Thames will have strict measures in force to ensure your details are kept secure and confidential, even if you rarely have an in-person meeting with your personal advisor, because home and remote working is no longer unusual.


Investment values can go down as well as up, and this is something that you must bear in mind. It can be very demoralising and worrying if your investment isn't making the amount of money you hoped for. However, unless it is owing to misleading or wrong information from your financial advisor, a downward spiral in your investment is not a recognised cause for complaint.

Independent Financial Advisor Near Kingston upon Thames (KT1)

As detailed in the Key Facts Document, any complaints should commence with the firm's official complaints procedure. You can inform the Financial Ombudsman of the situation if it is unresolved within the time period stipulated by the regulating authority, and the advisor is registered with the FCA.

The Financial Ombudsman will independently review the cause for complaint and make a ruling. If the complaint is upheld, a decision will be made on how to financially compensate the client. The financial advisor and their firm must comply with any ruling that is made, which becomes a legally binding decision once the customer has agreed to it. Any compensation set by the Ombudsman will also take into consideration any distress, hassle, inconvenience and upset caused to the customer during the process.

Book a Financial Advisor in Kingston upon Thames UK

Financial advice can be provided in Kingston upon Thames and also nearby in: Hampton Court, Kingston Vale, Ham, Surbiton, Teddington, West Barnes, Merton Park, Molesey, Twickenham, New Malden, Tolworth, Hampton Wick, Berrylands, Wimbledon, Long Ditton, and in these postcodes KT1 1HU, KT1 1SY, KT1 1TN, KT1 2BH, KT1 1TG, KT1 1YF, KT1 2EP, KT1 1AL, KT1 1TE, KT1 1DE. Locally based Kingston upon Thames financial advisers will probably have the postcode KT1 and the dialling code 020. Checking this will ensure you access locally based financial advisers. Kingston upon Thames homeowners can utilise these and countless other related services.

Pension Planning

Secure retirement hinges on the crucial aspect of pension planning. By engaging a financial advisor's services, one can witness a notable enhancement of this process. A customised pension solution will be designed by a qualified advisor after assessing your current financial situation and understanding your retirement goals. Navigated by them are the complexities of UK pension alternatives, which encompass the state pension, workplace pensions, and self-invested personal pensions (SIPPs). Informed decisions about tax implications, contributions and investment choices can be accomplished through taking advantage of their expertise. Working with a financial advisor in Kingston upon Thames is key to creating a robust pension plan, providing financial stability and peace of mind for your future.

At the centre of UK pension planning is the State Pension, a government-backed scheme that provides a basic level of retirement income. Eligibility for the State Pension is generally determined by a person's National Insurance contributions over their working life. However, the changes to the number of qualifying years and the State Pension age have made it essential to understand the complexities of this scheme. (42316)

Kingston upon Thames Financial Advice Services

Financial Advice Tasks Kingston upon Thames

There are a whole host of services that are provided by your local Kingston upon Thames financial advisor including corporate bonds, income protection, independent financial advice Kingston upon Thames, cash flow modelling, ethical investments, pension planning, pension drawdowns Kingston upon Thames, financial advice services, critical illness cover in Kingston upon Thames, familt controlled trusts Kingston upon Thames, pensions in divorce, family income benefit in Kingston upon Thames, cashflow planning in Kingston upon Thames, retirement plans, investment bonds, financial planning, bridging finance, pension planning Kingston upon Thames, corporate financial planning in Kingston upon Thames, mortgage financial planning, personal financial planning in Kingston upon Thames, offshore investments, equity release advice, personal pensions, investment planning, annuities Kingston upon Thames, annuity purchases, pension transfer advice, death benefit advice, inheritance tax planning, and lots more. These are just a selection of the tasks that can be accomplished by a financial advisor. Kingston upon Thames professionals will let you know their full range of financial services.

Skills and Knowledge Needed by Financial Advisors

  • Excellent management skills for the negotiation of product fees.
  • To have active listening and interpersonal skills.
  • To be able to network and establish relationships with customers.
  • To have excellent time management skills.
  • An outstanding level of math knowledge for creating financial strategies.
  • To be thorough and pay attention to detail.
  • The ability to sell products and services.
  • To have the ability to use a computer and the appropriate software applications.
  • Outstanding verbal communication skills.
  • Excellent skills in customer service for finding out customer needs and requirements.
  • An outstanding knowledge of accounting and economics relating to financial products and markets.

Financial Advisors Near Kingston upon Thames

Also find: Copse Hill financial advisors, Berrylands financial advisors, Hampton Court financial advisors, Hampton Wick financial advisors, Kingston Vale financial advisors, Ham financial advisors, Long Ditton financial advisors, Tolworth financial advisors, Merton Park financial advisors, West Barnes financial advisors and more. People who are searching for financial advice, will find that such services are readily available in just about all of these locations. Residents in these places can make enquiries about financial advice by clicking here.

Kingston upon Thames Financial Advice Services

Find a Financial Advisor in Kingston upon Thames Here
Financial Advice Enquiries in Kingston upon Thames Greater London (020)
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  • Kingston upon Thames Independent Financial Advice
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  • Kingston upon Thames Trustee Investments
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Kingston upon Thames Financial Advisor Jobs: Get financial advisor jobs in Kingston upon Thames here: Kingston upon Thames Financial Advisor Jobs

Independent financial advisor in KT1 area, phone code 020.

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(This financial advisor Kingston upon Thames page was reviewed and updated on 20-02-2024)