Financial Advisor Tonbridge

Tonbridge Independent Financial Advice & Investment

Financial Advisor Tonbridge Kent (TN9): Finding a good independent financial advisor in the Tonbridge area can be an intimidating experience, in particular if you're seeking financial advice for the first time. Whether it's investments, pension, mortgage or even insurance guidance that you're searching for, there is one common rule for all qualified financial advisors; they all have to observe Financial Conduct Authority regulations. The good thing about this is that should a financial advisor who is FCA authorised give you poor quality advice, and anything goes awry, you have guarantees, and can go to the Financial Services Compensation Scheme or the Financial Ombudsman to have it put right.

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Recommendations from friends and neighbours can be a decent starting point in selecting a financial advisor in Tonbridge, but remember that their situation might be different to what you are looking for. Financial advice needs to be specifically tailored to your particular situation, and you will find that some financial advisors might not be suitable for you. Picking the right financial advisor is crucial and it pays to speak to at least 3 different firms in order to check out the options they provide, and to find one you can trust and feel at ease with.

Financial Advisor Tonbridge Kent (TN9)

Independent financial advisors (IFA) and restricted advisors, are the two main types of financial advisor in Tonbridge. Offering a wide range of options, an IFA will not be confined to the services and products of a single provider. Covering the full spectrum of financial products and companies, independent financial advice must be given in an unbiased and impartial way to clientele. This will allow you to choose from the broadest range of services to meet your needs. A restricted financial advisor might be involved with a single product, such as a mortgage advisor, or be restricted to services and products from a single provider.

Before any financial advisor accepts you as a client, they are required by the Financial Conduct Authority to fully discuss their charges with you. Although it varies in accordance with the kind of service you're looking for, there could be a set fee, an hourly rate, or you might even be charged a percentage of the money you're investing. To enable you to discuss your aims and determine whether the advisor is a right fit for your situation, a free preliminary consultation might be offered. Your account could be handled by a team rather than a single advisor, if you decide to go with one of the bigger firms in Tonbridge.

Financial Advisors Tonbridge UK (01732)

You will be required to fill in a "Fact Find" form, which is a confidential disclosure document relating your financial situation and desired goals to the advising company. You should also be given an Initial Disclosure Document, or Key Facts Document, which gives you details about the financial advisor, their situation for offering independent or restricted advice and the extent of their permissions in the financial market. If you aren't happy with the service provided, and wish to complain, this document should also set down your own rights and your options. It has to be typed out in plain English and outline what you are signing up for, and any possible benefits and risks that exist if you decide to accept the offered advice. The Key Facts Document will also inform you of the cooling-off period. This permits you to cancel the contract within a certain time period, and whenever any penalty charges have to be paid.

The first time you are speaking with the financial advisor ensure that you check what experience and qualifications they've got. You should never be self-conscious about asking such questions, after all you're on the verge of entrusting your financial future to their skill. A Level 4 qualification is the minimum required certification for any financial advisor in Tonbridge, and they must also be in a position to provide you with an annual Statement of Professional Standing. You shouldn't panic if your specific financial advisor's name doesn't appear on the Financial Services Register, as long as the firm is listed on the register, their employees will be covered by the legislation. If these cannot be provided the individual may still offer financial guidance rather than advice. Guidance is not regulated in the way that financial advice is, meaning that if errors occur neither party will have any recourse.

Financial Advisor Quotes in Tonbridge Kent

If it's investing money that you are interested in, your advisor will need to know the level of risk you are ready and able to take with your hard-earned money. Many investments carry some element of risk, but higher risk investments may offer better rewards, but also more chance of losing your funds. Your savings aims will have to be considered if the best financial and investment advice is to be given, i.e. long or short term investments, how quickly you need access to your funds and how much you wish to invest. One question you should ask yourself, which is often overlooked, is just how much money you can actually afford to lose. Generally referred to as your capacity for loss, this will very likely affect the products and services that you're offered.

Financial Advice Near Tonbridge Kent

If you already have any existing savings accounts, investments, mortgages or regular outgoings, you must tell your financial advisor about these. To make certain that you get the most suitable advice for you, they need a full and clear picture of your finances. Diversifying your savings and investments by spreading the risk load across different products, is a crucial part of good quality financial advice. A seasoned financial advisor in Tonbridge will have the knowledge of the best products to consider, which match your goals and your financial situation.

A financial advisor will unveil the multifaceted world of finance, and communicate in the clearest possible way. You should be able to make an informed decision once you have learned about the various services and products that match your needs. If you are mind is firmly on the environment, you could ask your financial advisor to stick to ethical savings and investments. This will allow you to give your support to firms and organisations which address your concerns, i.e. green energy or zero carbon, or perhaps staying away from companies that do not meet your standards.

Working closely with your financial advisor in Tonbridge can be difficult to manage around work and other obligations. To allow you to get advice at times that suit you, one-on-one meetings can be supplemented with telephone and video conferencing. A competent financial advice provider in Tonbridge will have rigorous measures in place to keep your details confidential and secure, even if you rarely have a face-to-face meeting with your personal advisor, because home and remote working is no longer unusual.

COMPLAINTS

Investments can easily go down as well as up, since the financial world can be unpredictable. It can be extremely stressful and disheartening if your investment fails to make as much money as you were hoping for. Unfortunately, a downward spiral in your investment isn't a recognised cause for complaint, unless it's because of misleading or wrong information from your advisor.

Independent Financial Advisor Near Tonbridge (TN9)

The company's complaints procedure should be the starting place for any grievances, and the Key Facts Document should clarify this. You can inform the Financial Ombudsman of the problem if it is unresolved within the time period laid down by the regulating body, and your advisor is registered with the Financial Conduct Authority.

The Financial Ombudsman will come to a decision after reviewing the cause of the complaint independently. If the complaint is upheld, a decision is made on how to financially compensate the customer. Once the ruling is accepted by the customer it becomes a legally binding decision which the advisor and their firm, must abide by. Any compensation fixed by the Financial Ombudsman will also account for any distress, upset, hassle and inconvenience caused to the customer during the process.

Book a Financial Advisor in Tonbridge UK

Financial advice can be provided in Tonbridge and also in nearby places like: Southborough, Hilden Park, Hildenborough, Bidborough, Leigh, Higham Wood, Five Oak Green, Penshurst, East Peckham, Hadlow, Upper Haysden, Speldhurst, Tudeley, Parkers Green, Barden Park, as well as in these postcodes TN10 3JG, TN10 3HW, TN10 3ED, TN10 3JZ, TN10 3HJ, TN10 3PT, TN10 3DZ, TN10 3JX, TN10 3PW, TN10 3HF. Locally based Tonbridge financial advisors will most likely have the telephone code 01732 and the postcode TN9.

Kent Financial Advisors

Tonbridge TN9 Kent Advisor Financial Advisor Advisors Services Investment 01732 Advisers Advice Financial Advice Financial

In the Kent area you can additionally get: Chislet investment advice, St Margarets At Cliffe investment advice, Sutton Valence investment advisors, Burham investment advice, Headcorn investment advice, Five Oak Green investment advice, Paddock Wood investment advice, Sandwich investment advisors, Barming financial advisors, Iwade financial advice, Bekesbourne investment advisors, Littlebourne financial advisors, Tunbridge Wells investment advisors, Stanhope investment advice, Eastry financial advice, Kingswood investment advisors, Hadlow investment advice, West Kingsdown financial advisors, St Mary in the Marsh investment advice, Boughton Aluph investment advice, Northfleet investment advice, Snodland investment advice, Sevenoaks Weald investment advisors, Hothfield investment advice, Wouldham financial advisors, Pembury financial advisors, West Malling investment advisors, Boughton Aluph financial advisors, Bobbing investment advice, Bearsted investment advice.

Tonbridge Financial Advice Services

Financial Advice Tasks Tonbridge

There is a range of services which can be provided by your local Tonbridge financial advisor including portfolio management Tonbridge, investment advice, trustee investment services in Tonbridge, life assurance advice, retirement advice in Tonbridge, pension planning, financial analyst services, pension transfers, life insurance Tonbridge, trusts in Tonbridge, tax financial planning Tonbridge, business financial planning in Tonbridge, long term care fee planning, independent financial advice in Tonbridge, will writing services, divorce planning, ethical investments, cheap financial advice, corporate financial planning, annuity purchases Tonbridge, unit trusts, pension consolidation in Tonbridge, pension planning in Tonbridge, mutual funds, income protection, and more.

Required Skills for Financial Advisors

  • To have good time management skills.
  • Good management skills for the negotiation of product fees.
  • To pay attention to detail and be thorough.
  • Effective skills in customer service for finding out client needs and requirements.
  • The ability to sell financial products and services.
  • Excellent skills in verbal communication.
  • A good knowledge and understanding of economics and accounting relating to financial products and markets.
  • To have the ability to listen attentively
  • To be able to network and build solid relationships with clients.
  • A competent level of numeracy for creating financial strategies.
  • To be confident in using a computer and the primary software programs.

A Financial Advisor's Regular Duties

  • Financial advisors meet performance and sales targets.
  • Financial advisors chat with clients regarding their finances and plans.
  • Financial advisors make deals with with financial product providers.
  • Financial advisors produce financial reports.
  • Financial advisors work in conjuction with colleagues to obtain market information, statistics and trends.
  • Financial advisors research financial products and explain them simply and clearly to their customers.
  • Financial advisors keep abreast of new financial products and law changes.
  • Financial advisors regularly update clients about their investments.
  • Financial advisors provide consultation, counselling and education regarding investments and finances.
  • Financial advisors maintain detailed records of potential clients and transactions.
TONBRIDGE FINANCIAL ADVISOR QUOTES

Financial Advisors Near Tonbridge

Also find: Speldhurst financial advisors, Hadlow financial advisors, Upper Haysden financial advisors, Hilden Park financial advisors, Hildenborough financial advisors, Barden Park financial advisors, Parkers Green financial advisors, Leigh financial advisors, Tudeley financial advisors, Five Oak Green financial advisors, Bidborough financial advisors, Southborough financial advisors, Penshurst financial advisors, Higham Wood financial advisors, East Peckham financial advisors and more.

Tonbridge Financial Advice Services

Find a Financial Advisor in Tonbridge Here
Financial Advice Enquiries in Tonbridge Kent (01732)
  • Tonbridge Independent Financial Advice
  • Tonbridge Cashflow Analysis
  • Tonbridge Inheritance Advice
  • Tonbridge Financial Advice Quotes
  • Tonbridge Wealth Management
  • Tonbridge Trustee Investments
  • Tonbridge Tax Advice
  • Tonbridge Cheap Financial Advice
  • Tonbridge Corporate Financial Advice
  • Tonbridge Financial Services
  • Tonbridge Retirement Advice
  • Tonbridge Pension Advice
  • Tonbridge Mortgage Advice
  • Tonbridge Investment Advice

Financial Advisors Around Tonbridge: Over the past year financial advice was provided in these Tonbridge streets: St Stephens Street, Beecham Road, Addlestead Road, Dairy Lane, Colts Hill Place, Charlton Terrace, Colin Blythe Road, Brantingham Close, Tonbridge Road, Cryals Road, Tudeley Lane, Darwin Drive, Broad Oak Close, Albany Close, St Andrews Road, Angel Walk, Beverley Crescent, Avon Close, Streamside, Chiltern Way, Chestnut Lane, Collier Street, The Birches, Bell Cottages, Arundel Close, South Trench, Brungers Walk, Church Green, Castle View, and in these Kent postcodes: TN10 3JG, TN10 3HW, TN10 3ED, TN10 3JZ, TN10 3HJ, TN10 3PT, TN10 3DZ, TN10 3JX, TN10 3PW, TN10 3HF.

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Independent financial advisor in TN9 area, telephone code 01732.

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