Financial Advisor Maidstone

Maidstone Independent Financial Advice & Investment

Financial Advisor Maidstone Kent (ME14): Finding a reliable financial advisor advisor in the Maidstone area can be a daunting experience, in particular if you're seeking financial advice for the very first time. Whether you are looking for mortgage, pension, investments or even insurance advice, all professional financial advisors are bound by one simple rule; they must all observe the regulations laid down by the Financial Conduct Authority (FCA). This comes with certain guarantees, therefore after getting advice from a FCA approved financial advisor in Maidstone, you can seek reparation from the Financial Services Compensation Scheme or the Financial Ombudsman, if something should go awry.

Free Maidstone Financial Advisor Quotes

When picking a financial advisor in Maidstone, a decent starting point could be friends and neighbours, however you must bear in mind that your situation might not be in line with theirs, and you may be in need of a different sort of advice. Any advice they provide should be tailored to your unique circumstances, and every financial advisor is not suitable for everyone. To explore the various options that they're offering and find a financial advisor that you can trust and feel comfortable with, it pays to talk with at least 3 different firms, because selecting a financial advisor is a big decision.

Financial Advisor Maidstone Kent (ME14)

When you are looking to pick a financial advisor in Maidstone, there are 2 principal types; restricted advisors and independent financial advisors. The advantage of using an IFA is that they should not be limited to the services or products of just one provider, and can offer a broader range of options. Independent financial advice should be offered in an unbiased way and across the full gamut of financial companies and products. Using an independent financial advisor should permit you to choose from the broadest possible array of services. If you use a restricted advisor you will soon realise that they could be limited to products and services of a single company, or as with a mortgage advisor, may only be concerned with one solitary product.

The FCA requires that any financial advisor in Maidstone must discuss their charges with you, before taking you on as a client. You may be charged a set fee, by the hour or perhaps even a percentage of your investment, contingent on product you're looking for. You could be offered the possibility of a free initial consultation to allow you to discuss your aims and determine whether the advisor is the proper choice for your situation. In some of the bigger Maidstone firms, you could find that your account is handled by a team rather than an individual.

Financial Advisors Maidstone UK (01622)

You'll be asked to fill in a "Fact Find" document, which is a confidential disclosure form relating your ambitions and financial situation to the advising company. A Key Facts or Initial Disclosure 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 situation for offering restricted or independent advice. This document should also lay out your own legal rights and the options you can take if you aren't satisfied with the service provided, and wish to make a complaint. It should describe precisely what you are signing up for, and any possible benefits and risks that exist if you opt to accept the offered advice, and it has to be laid out in plain English. This document should also tell you about the level of cooling-off period. This permits you to have a change of heart within a specific number of days, and cancel the agreement with your financial advisor.

The first time you're talking with your financial advisor ensure that you check what experience and qualifications they have. Don't be embarrassed about asking these questions, after all you are about to entrust your financial future to their expertise. All financial advisors in Maidstone must as a minimum hold a Level 4 qualification and be able to present an annual Statement of Professional Standing. If your advisor's name doesn't show up on the Financial Services Register, you don't need to panic, the firm the advisor works for should be found on the register and their staff will be covered by the legislation. The individual can still offer financial guidance rather than advice, if these cannot be presented. In financial terms guidance differs to advice and isn't regulated. Therefore there is no recourse for either party if errors are made.

Financial Advisor Quotes in Maidstone Kent

If it's investing money that you're interested in, the advisor will want to know the amount of risk you might be ready to accept with your hard-earned cash. High risk investments may offer higher rewards, but some or all of your funds could be lost. In order to get the most beneficial investment and financial advice, your savings objectives must be taken into account, i.e. how quickly you need to access your funds, long or short term investments and how much you have to invest. You must invariably ask yourself the one crucial question, how much money can you really afford to lose. This is sometimes referred to as your 'capacity for loss' and may influence the products and services that may be offered for your consideration.

Financial Advice Near Maidstone Kent

If you have already got any current mortgages, investments, personal savings or regular payments, you must tell your financial advisor about these. To make certain that you receive the most appropriate advice for you, they need to gather a full and clear picture of your financial circumstances. Reliable financial advice should include diversifying your savings and investments by spreading the risk load across various products. Having an understanding of the best areas to consider, a professional financial advisor will favour products that most closely fit in with your financial situation and goals.

Your financial advisor will try to communicate in as plain a speech as possible, to unveil the multifaceted world of finance. This will allow you to compare products and services that match your needs, and make an informed decision. If you are environmentally minded, you can perhaps ask your financial advisor to stick to ethical savings and investments. This does not just give you investment possibilities, but also allows you to lend your support to zero carbon or renewable energy projects, and steer clear of those that do not share the same values that you do.

It can prove hard to manage work and other obligations around working closely with your financial advisor in Maidstone. To allow you to seek advice at a time to suit you, face-to-face appointments can be backed up with telephone and video conferencing. Any professional financial advice firm in Maidstone will have strict measures in force to ensure your details are kept secure and confidential, even if you rarely have a face-to-face meeting with your personal advisor, because home and remote working is no longer unusual.


You need to bear in mind that the financial sector can be a volatile one, and the value of your investments could just as easily go down as well as up. If it happens that your investment fails to make as much money as you hoped for, it can be a very demoralising and stressful time. However, except if it's because of misleading or wrong information from your advisor a downward trend in your investment is not seen as a basis for complaint.

Independent Financial Advisor Near Maidstone (ME14)

Any disputes should commence with the firm's complaints procedure as described in the Key Facts Document. You can inform the Financial Ombudsman of the issue if it remains unsolved within the time-frame stipulated by the regulating body, and the advisor is registered with the FCA.

The Financial Ombudsman will look into the cause for complaint and come to a decision. A decision will be made on how to rectify or financially compensate the customer, if the complaint is justified. This becomes legally binding once it has been accepted by the client, and the advisor and their company must comply with the decision. Any compensation as set out by the Ombudsman will also take into account any upset, inconvenience, hassle and distress caused to the customer during the situation.

Book a Financial Advisor in Maidstone UK

Financial advice can be provided in Maidstone and also in: Thurnham, Hollingbourne, Walderslade, Downswood, Yalding, Boxley, East Farleigh, Barming, Penenden Heath, Aylesford, Linton, Detling, Tovil, Sandling, Parkwood, Mereworth, Allington, Weavering, together with these postcodes ME14 1XQ, ME14 1UG, ME14 2AG, ME14 1PA, ME14 1XU, ME14 1ER, ME14 1UF, ME14 1ST, ME14 1AF, ME14 1BH. Locally based Maidstone financial advisors will likely have the phone code 01622 and the postcode ME14. Verifying this will make sure that you're accessing locally based financial advisers. Maidstone home and business owners are able to benefit from these and many other related services. Simply click on the "enquiry" banner to get specifics of financial advisors in your area.

Day to Day Duties of a Financial Advisor

  • Financial advisors provide counselling, education and consultation with regards to finances and investments.
  • Financial advisors work together with their peers to gather trends, statistics and market information.
  • Financial advisors talk to clients about their finances and plans.
  • Financial advisors meet sales and performance targets.
  • Financial advisors regularly update clients about their investments.
  • Financial advisors produce comprehensive financial reports.
  • Financial advisors keep fully up to date with new products and regulation changes.
  • Financial advisors recommend the best-suited financial products to their clients.
  • Financial advisors keep detailed records of potential customers and transactions.
  • Financial advisors collaborate with providers of financial products.

Maidstone Financial Advice Services

Financial Advice Tasks Maidstone

There are a wide array of services that are provided by your local Maidstone financial advisor including corporate financial planning Maidstone, ISA's, multi-asset portfolios in Maidstone, mortgage financial planning in Maidstone, life insurance, will writing services Maidstone, trusts, money planning, personal pensions advice, annuity purchases, investment consolidation advice, cheap financial advice, business protection Maidstone, portfolio management, life assurance advice, bridging finance, divorce financial planning, general financial planning, investment bonds, income protection advice, pension reviews, inheritance tax planning Maidstone, saving for children, family income benefit, investment planning, mutual funds in Maidstone, financial services in Maidstone, financial analyst services, trustee investment services in Maidstone, long term care fee planning Maidstone, and lots more. These are just an example of the duties that can be carried out by a financial advisor. Maidstone professionals will inform you of their whole range of services.


Financial Advisors Near Maidstone

Also find: Detling financial advisors, Yalding financial advisors, Barming financial advisors, Parkwood financial advisors, Hollingbourne financial advisors, Thurnham financial advisors, Sandling financial advisors, East Farleigh financial advisors, Penenden Heath financial advisors, Weavering financial advisors, Downswood financial advisors, Tovil financial advisors, Mereworth financial advisors, Allington financial advisors, Walderslade financial advisors and more. The majority of these villages and towns are served by financial advisors. Home and property owners in these places can make enquiries about financial advice by going here.

Maidstone Financial Advice Services

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More Maidstone Services: Obviously, when you're looking at your finances in Maidstone, Kent, you will likely be in need of all types of different services and as well as a financial advisor in Maidstone, Kent, you could also need property law & conveyancing in Maidstone, estate planning in Maidstone, payroll services in Maidstone, debt recovery & collection in Maidstone, investment advisors in Maidstone, accountants in Maidstone, banruptcy lawyers in Maidstone, tax preparation in Maidstone, bookkeeping in Maidstone, family lawyers in Maidstone, mortgage brokers in Maidstone, business financial planning in Maidstone, business consulting in Maidstone, solicitors in Maidstone, mortgage advice in Maidstone, contracts lawyers in Maidstone, will writing in Maidstone, and other different Maidstone experts.

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Financial Adviser Jobs Maidstone: View financial advisor jobs near Maidstone by going here: Maidstone Financial Advisor Jobs

Independent financial advisor in ME14 area, telephone code 01622.

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(This financial advisor Maidstone content was revised and updated on 20-02-2024)