Financial Advisor Sittingbourne

Sittingbourne Independent Financial Advice & Investment

Financial Advisor Sittingbourne Kent (ME9): If you're seeking financial advice for the very first time, trying to find a decent independent financial advisor in Sittingbourne can be a challenging experience. Whether it is pensions, mortgage, investments or even insurance guidance that you're after, there is one common rule for all professional financial advisors; they all have to stick to Financial Conduct Authority regulations. The advantage of this is that if a financial advisor who is FCA registered gives you poor advice, and things go wrong, you have guarantees, and are able to go to the Financial Services Compensation Scheme or the Financial Ombudsman to have it put right.

Free Sittingbourne Financial Advisor Quotes

A good starting point when picking a financial advisor in Sittingbourne may be friends and neighbours, but keep in mind that the sort of advice you are searching for could be different to theirs. Financial advice must be specifically tailored to your unique circumstances, and you will discover that some financial advisors may not be suitable for your requirements. It is wise to chat to at least 3 different firms when you are selecting a financial advisor, since this is a major decision, and you need to find one that you feel comfortable with and can trust, and explore the various options they can provide.

Financial Advisor Sittingbourne Kent (ME9)

There are 2 principal kinds of financial advisor in Sittingbourne; independent financial advisors (IFA) and restricted advisors. The advantage of seeing an IFA is that they won't be restricted to the products or services of a single company, and can offer a wider range of options. Independent financial advice must be offered in an impartial way and should cover the full spectrum of financial companies and products. If you decide to use an IFA, you'll be able to choose from the widest possible range of products, in order to find the ideal solution for your needs. A restricted advisor could be involved with a single product, as with a mortgage advisor, or be restricted to products and services from a single company.

Before any financial advisor accepts you as a client, they are required by the Financial Conduct Authority to be fully transparent with you about their charges. Although it varies in accordance with the type of service or product you are looking for, there could be a set fee, an hourly rate, or you may even be charged a percentage of the money you're investing. You might be offered a free preliminary consultation to allow you to discuss your goals and find out if the advisor is a good fit for your circumstances. In some bigger Sittingbourne firms, you may find that your account is handled by a team as opposed to an individual advisor.

Financial Advisors Sittingbourne UK (01795)

You'll be asked to fill in a "Fact Find" form, which is a confidential disclosure document relating your objectives and financial situation to the advising company. A Key Facts Document, or Initial Disclosure Document will also be given to you, to provide information on the financial advisors themselves, outlining the extent of their permissions in the financial sector and their status to offer independent or restricted advice. This document should also make clear your own rights and your options if you aren't happy with the service provided, and wish to make a complaint. It must be written in plain language and outline what you are signing up for, and any potential risks and benefits that exist should you elect to go along with the offered advice. The allowed cooling-off period should also be fully explained in this document. This makes it possible for you to cancel your agreement within a specific time period, and if any penalties have to be paid.

You need to check the qualifications and experience of the financial advisor the first time you speak with them. After all you are about to entrust your long-term financial wellbeing to their skill, so you shouldn't be embarrassed about asking such questions. Every Sittingbourne financial advisor must be in a position to present an annual Statement of Professional Standing, and must hold a minimum of a Level 4 qualification. When checking the Financial Services Register, you shouldn't panic if your financial advisor's name does not show up on there; you ought to be able to find the firm name, and this means that the legislation covers all of their advisors. The individual may still offer financial guidance instead of advice, if these cannot be provided. Guidance differs to advice as it isn't regulated in the same way, and if financial errors are made there will likely be no recourse to either party.

Financial Advisor Quotes in Sittingbourne Kent

If it's investing money that you're interested in, the advisor will want to know the amount of risk you might be prepared to take with your hard-earned money. Most investments carry some element of risk, but higher risk investments may offer higher rewards, and also more chance of losing your funds. Your savings goals should be taken into account if the best investment advice is to be given, i.e. how quickly you need access to your funds, how much you have to invest and long or short term investments. "How much can you truly afford to lose?" Is the one question that you should really be asking yourself. Generally referred to as your capacity for loss, this will very likely have an effect on services and products that you are offered.

Financial Advice Near Sittingbourne Kent

You should let your financial advisor know about any current savings, regular outgoings, investments or mortgages. This gives a clear picture of your current financial circumstances, without which the advice you are given might not be the best for you. Spreading the risk load across various products by diversifying your investments and savings, is something that smart financial advice should embrace. So as to reflect your financial situation and goals, a qualified financial advisor in Sittingbourne will understand the best areas to consider.

Communicating in the clearest possible way, your financial advisor will throw open 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 at the forefront of your mind, you could maybe ask that ethical savings and investment schemes take top priority. You will then be able to steer clear of companies that corporations meet your criteria, and instead lend your support to those enterprises and companies that match your concerns, for instance zero carbon or renewable energy.

Having a close working relationship with a financial advisor in Sittingbourne could create problems with your work day and other responsibilities. This can be reduced by supplementing one-on-one appointments with telephone and video conferencing, therefore allowing you to get the guidance you need at a convenient time. Home and remote working is now commonplace, and a competent financial advice firm in Sittingbourne will have strict measures in place to keep your details secure and confidential, even if you rarely have a face-to-face meeting with your advisor.

COMPLAINTS

Investments can go down as easily as they can go up, as the financial sector can be a volatile one. If your investment isn't making the amount of money you were hoping for, it can be incredibly worrying and demoralising. Regrettably, a downward spiraling of your investment is not a recognised basis for complaint, unless of course it's due to misleading or incorrect information from your advisor.

Independent Financial Advisor Near Sittingbourne (ME9)

The firm's complaints procedure should be the starting position for any grievances, and the Key Facts Document will discuss this. If the problem is unresolved within the time stipulated by the regulating body, and the advisor is a member of the Financial Conduct Authority, you can contact the Financial Ombudsman.

The Financial Ombudsman will look into the cause for complaint and come to a decision. If it's established that the complaint is legitimate, a decision will be made on how the client can be compensated. This becomes a legally binding decision once it has been agreed on by the client, and the financial advisor and their firm must abide by the ruling. The Ombudsman will also take into consideration any distress, upset, trouble and inconvenience caused to the customer during the process, and establish the level of compensation accordingly.

Book a Financial Advisor in Sittingbourne UK

Financial advice can be provided in Sittingbourne and also in nearby places like: Milstead, Borden, Oad Street, Snipeshill, Murston, Tunstall, Kemsley, Rainham, Chestnut Street, Bobbing, Rodmersham, Upchurch, Milton Regis, Chalkwell, Bapchild, Tonge, Highsted, Rodmersham Green, as well as in these postcodes ME10 1LT, ME10 1HT, ME10 1RT, ME10 1EU, ME10 1LA, ME10 1RJ, ME10 1LH, ME10 1RY, ME10 1PF, ME10 1BB. Locally based Sittingbourne financial advisors will likely have the telephone code 01795 and the postcode ME9.

Financial Advice Enquiries Kent

Financial Advice Enquiries Kent

Latest Kent financial advice enquiries: Rowan Tate and Sandra Tate from Shepherdswell recently asked for information on life assurance. Bobby Healey from Chilham recently asked for information on mortgages. Nel Hickey from West Kingsdown, Kent recently asked for information on mortgages. Halle Mckee from Pembury recently asked for information on offshore investments. Louisa and Dara Wickens from Lyminge recently asked for information on equity release. Mr and Mrs Mustafa from Pluckley, Kent recently enquired about offshore investments. Ema Wills from Brabourne Lees recently asked for information on life assurance. Roisin and Amos Chapman from Cliffe Woods, Kent recently enquired about equity release.

Sittingbourne Financial Advice Services

Financial Advice Tasks Sittingbourne

There is a wide range of services which are provided by your local Sittingbourne financial advisor including annuity purchase Sittingbourne, investment planning, investment planning Sittingbourne, general financial planning in Sittingbourne, trusts, inheritance tax planning, corporate financial planning, annuities, tax advice, divorce planning, stakeholder pension advice Sittingbourne, pension advice in Sittingbourne, cashflow analysis, business planning Sittingbourne, cheap financial advice, life insurances Sittingbourne, wealth management & investments, life assurance advice Sittingbourne, cash flow modelling Sittingbourne, corporate bonds Sittingbourne, income protection, unit trusts Sittingbourne, will writing services, pension consolidation Sittingbourne, retirement planning, and lots more.

A Financial Advisor's Everyday Duties

  • A financial advisor researches financial products and explains them simply and clearly to customers.
  • A financial advisor keeps a record of customers and transactions.
  • A financial advisor keeps up to date with law changes and new products.
  • A financial advisor provides consultation, education and counselling regarding investments and finances.
  • A financial advisor negotiates with providers of financial products.
  • A financial advisor regularly updates customers regarding their investments.
  • A financial advisor works together with associates to obtain market information, statistics and trends.
  • A financial advisor meets sales and performance targets.
  • A financial advisor produces comprehensive financial reports.
  • A financial advisor speaks with clients regarding their finances and plans.

The Skills and Knowledge Needed to be Financial Advisors

  • To be good at promoting products and services.
  • Good skills in customer service for establishing customer needs and requirements.
  • To be thorough and pay attention to detail.
  • Good management skills for negotiating product prices.
  • An outstanding understanding of economics and accounting with regard to financial markets and products.
  • Outstanding verbal communication skills.
  • To have attentive listening skills.
  • To be confident in using a computer and the main software packages.
  • To have good time management skills.
  • A competent level of math knowledge for developing financial packages.
  • To have the ability to network and establish relationships with customers.
SITTINGBOURNE FINANCIAL ADVISOR QUOTES

Financial Advisors Near Sittingbourne

Also find: Rainham financial advisors, Oad Street financial advisors, Bobbing financial advisors, Chalkwell financial advisors, Tonge financial advisors, Kemsley financial advisors, Upchurch financial advisors, Bapchild financial advisors, Murston financial advisors, Borden financial advisors, Highsted financial advisors, Snipeshill financial advisors, Chestnut Street financial advisors, Tunstall financial advisors, Rodmersham Green financial advisors, Milstead financial advisors, Rodmersham financial advisors, Milton Regis financial advisors and more.

Sittingbourne Financial Advice Services

Find a Financial Advisor in Sittingbourne Here
Financial Advice Enquiries in Sittingbourne Kent (01795)
  • Sittingbourne Inheritance Advice
  • Sittingbourne Corporate Financial Planning
  • Sittingbourne Estate Planning
  • Sittingbourne Cheap Financial Advice
  • Sittingbourne Mortgage Advice
  • Sittingbourne Tax Advice
  • Sittingbourne Cashflow Analysis
  • Sittingbourne Trustee Investments
  • Sittingbourne Financial Services
  • Sittingbourne Independent Financial Advice
  • Sittingbourne Investment Advice
  • Sittingbourne Wealth Management
  • Sittingbourne Life Insurance Advice
  • Sittingbourne Retirement Advice

Financial Advisors Around Sittingbourne: Some Sittingbourne areas where financial advice has recently been given - Sterling Road, Seed Road, Cherry Hill Court, Cumberland Drive, Dungate, Celt Close, Britannia Close, Curlew Avenue, Cherryfields, Clement Close, Brambling Rise, Bishop Lane, The Retreat, Brunswick Field, The Fairway, Dyngley Close, Thistle Walk, Ambleside, Dunedin Close, Terrace Road, Barkers Court, Cinnabar Drive, Burley Road, St Pauls Street, The Old Mill, Clarendon Close, Step Style, as well as these local Sittingbourne postcodes: ME10 1LT, ME10 1HT, ME10 1RT, ME10 1EU, ME10 1LA, ME10 1RJ, ME10 1LH, ME10 1RY, ME10 1PF, ME10 1BB.

More Sittingbourne Services: Obviously, whenever you are looking at your finances in Sittingbourne, Kent, you'll likely be in need of all kinds of different services and along with a financial advisor in Sittingbourne, Kent, you might additionally need investment advisors in Sittingbourne, accounting in Sittingbourne, payroll services in Sittingbourne, business financial planning in Sittingbourne, estate planning in Sittingbourne, business consulting in Sittingbourne, mortgage advice in Sittingbourne, mortgage brokers in Sittingbourne, bookkeepers in Sittingbourne, wills & probate in Sittingbourne, debt recovery & collection in Sittingbourne, contracts lawyers in Sittingbourne, family lawyers in Sittingbourne, tax preparation in Sittingbourne, property law & conveyancing in Sittingbourne, banruptcy lawyers in Sittingbourne, solicitors in Sittingbourne, and other different Sittingbourne experts.

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Sittingbourne Financial Advisor Jobs: See financial advisor jobs near Sittingbourne here: Sittingbourne Financial Advisor Jobs

Independent financial advisor in ME9 area, (dialling code 01795).

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