Financial Advisor Tunbridge Wells Kent (TN1): It can be a daunting experience trying to find a decent financial advisor advisor in Tunbridge Wells, in particular if it's the first time that you're in search of financial advice. Whether it is investments, pensions, mortgage or even insurance advice that you are after, there's one common rule for all qualified financial advisors; they must all comply with FCA (Financial Conduct Authority) regulations. The good thing about this is that if a financial advisor who is FCA authorised gives you poor advice, and things go awry, you have guarantees, and can contact the Financial Ombudsman Scheme or the Financial Services Compensation Scheme to get it put right.
A good starting point when picking a financial advisor in Tunbridge Wells can be friends and relatives, but keep in mind that the sort of advice you are searching for might be significantly different to theirs. Not every financial advisor is suitable for everybody, and their advice should be personalised to your unique circumstances. It pays to chat to at least three different firms when you're choosing a financial advisor, since this is an important decision, and you need to find one that you feel comfortable with and can trust, and also investigate the options they can provide.
There are two principal kinds of financial advisor in Tunbridge Wells; independent financial advisors and restricted advisors. Offering a more extensive range of options, an independent financial advisor will not be restricted to a single provider's products and services. Independent financial advice should be offered in a frank and impartial way and should cover the full gamut of financial products and companies. If you decide to use an independent financial advisor, you'll be able to pick from the widest possible array of products, so as to find the right solution for your needs. A restricted financial advisor might be focused on a single product, as with a mortgage advisor, or be limited to products and services from a particular firm.
Before taking you on as a client, any financial advisor must fully discuss their charges with you, as required by the Financial Conduct Authority. Although it can vary in accordance with the kind of product you're interested in, there may be an hourly rate, a set fee, or you could even be charged a specific percentage of what you're investing. You could be offered a free first consultation to enable you to discuss your goals and determine whether the advisor is suitable for you and your situation. In some bigger Tunbridge Wells firms, you may find that your account is handled by a team as opposed to an individual advisor.
You will have to fill out a "Fact Find" form, which is a confidential disclosure document relating your desired goals and financial situation to the advising firm. You'll also be given a Key Facts Document, or Initial Disclosure Document, which provides information about the financial advisor, their status to offer restricted or independent advice and the extent of their permissions in the financial market. If you are not satisfied with the service, and wish to complain, this document should also lay out your rights and the possible options you can take. It should be easy to understand, written in plain English, and explain precisely what you are committing yourself to, along with the benefits and risks of going along with the advice. The level of cooling-off period should also be fully explained in this Key Facts Document. This enables you to change your mind within a specific number of days, and cancel your agreement with the financial advisor.
You need to check the experience and qualifications of the financial advisor when you first speak with them. Asking such questions shouldn't be a cause for embarrassment, because after all you are entrusting them with your long-term financial wellbeing. A Level 4 qualification is the minimum required qualification for any financial advisor in Tunbridge Wells, and they also have to be able to present you with an annual Statement of Professional Standing. When checking the Financial Services Register, you don't need to stress if your specific advisor's name does not appear on there; you will probably locate the company name, and that means the regulations covers all of their personnel. The individual can still offer financial guidance as opposed to advice, if these cannot be provided. Guidance is not regulated in the same way as financial advice, meaning that if mistakes occur neither party will have any recourse.
You will be asked the level of risk you're prepared to take on, if you are seeking advice on investments. Better rewards could be possible with higher risk investments, but you could also lose some or all of your money. In order to get the best investment and financial advice, your savings goals will need to be taken into account, i.e. how much you wish to invest, how quickly you need to access your funds and long or short term investments. "How much can you truly afford to lose?" Is the one vital question that you really need to ask yourself. This could affect the products and services that you're offered, and is commonly called your capacity for loss.
You should tell your financial advisor about your current personal savings, regular payments, investments or mortgage loans. To make certain that you get the most suitable advice for you, they need to gather a clear and full picture of your finances. Spreading the risk across different products by diversifying your investments and savings, is something that good financial advice should encompass. So as to match your goals and financial situation, a qualified financial advisor in Tunbridge Wells will have the knowledge of the best areas to consider.
Your financial advisor will attempt to communicate in as much plain speech as possible, to lay bare the complex world of finance. After learning about the various products and services that match your needs, you should be able to come to an informed and deliberative decision. If you're environmentally minded, you can maybe ask your advisor to stick to ethical investments and savings. This will allow you to give your support to organisations and companies that match your concerns, e.g. renewable energy or zero carbon, or perhaps avoiding companies that do not meet your criteria.
Working alongside a financial advisor in Tunbridge Wells can be challenging to manage around your work life and other obligations. One-on-one meetings can be supplemented with video conferencing and telephone to enable you to get advice at a time to suit you. Remote and home working is now a large part of our society, and a competent financial advice provider in Tunbridge Wells will have strict measures in place to keep your details confidential and secure, even if you hardly ever have a one-on-one meeting with your advisor.
You must bear in mind that the financial world is an unpredictable sector, and the value of your investments can just as easily drop as well as rise. If your investment is not making the amount of money you were hoping for, it can be incredibly worrying and demoralising. Regrettably, a downward trend in your investment is not seen as a grounds for complaint, except if it is owing to misleading or wrong information from your financial advisor.
Any disputes should begin with the firm's official complaints procedure as indicated in the Key Facts Document. You can tell the Financial Ombudsman about the problem if it remains unresolved within the period stipulated by the regulating body, and the advisor is registered with the FCA.
After reviewing the cause for complaint, the Financial Ombudsman will make a ruling on the issue. A decision will be made on how to financially compensate the client, if the complaint is upheld. The advisor and their company must abide by any ruling that is made, which becomes legally binding once the customer has agreed to it. The Financial Ombudsman will also consider any upset, inconvenience, hassle and distress caused to the customer during the dispute, and establish the level of compensation accordingly.
Financial advice can be provided in Tunbridge Wells and also in nearby places like: Pembury, Rusthall, Penshurst, Wadhurst, Southborough, Ashurst, Matfield, Frant, Tudeley, Bidborough, Speldhurst, Groombridge, Tonbridge, Bells Yew Green, Mark Cross, Fordcombe, Brenchley, together with these postcodes TN1 1LJ, TN1 1QP, TN1 1QY, TN1 1NU, TN1 2AA, TN1 1XX, TN1 1SY, TN1 1TE, TN1 1ES, TN1 1DG. Locally based Tunbridge Wells financial advisers will likely have the telephone code 01892 and the postcode TN1. Checking this out can ensure you access local financial advisers. Tunbridge Wells home and business owners will be able to benefit from these and lots of other similar services.
A Financial Advisor's Daily Duties
- Financial advisors collaborate with financial product providers.
- Financial advisors maintain detailed records of clients and transactions.
- Financial advisors provide consultation, education and counselling regarding investments and finances.
- Financial advisors work in collaboration with associates to collect statistics, trends and market information.
- Financial advisors keep fully abreast of regulation changes and new products.
- Financial advisors update clients concerning their investments.
- Financial advisors speak with clients regarding their finances and plans.
- Financial advisors research financial products and explain them clearly and simply to their customers.
- Financial advisors produce in-depth financial reports.
- Financial advisors meet performance and sales targets.
Kent Financial Advisors
In the Kent area you can also find: Culverstone Green investment advice, Ringwould financial advisors, Aylesham financial advisors, Wye investment advisors, Saltwood financial advice, Hever investment advisors, Iwade investment advisors, Dymchurch financial advice, Orlestone investment advice, Longfield investment advice, River financial advisors, Hadlow investment advice, Speldhurst financial advice, Boughton Under Blean investment advice, Vigo financial advice, Grain financial advice, Leigh financial advisors, Sheerness investment advice, Densole financial advice, Wrotham financial advisors, Marden financial advisors, Bobbing investment advice, Crockenhill financial advice, Higham financial advisors, Crockenhill investment advisors, Headcorn financial advice, Mersham investment advisors, Hildenborough financial advisors, Leysdown financial advice.
Tunbridge Wells Financial Advice Services
There is a wide range of services which are provided by your local Tunbridge Wells financial advisor including multi-asset portfolios, financial analyst services, business protection in Tunbridge Wells, equity release advice, investment reviews, income protection advice Tunbridge Wells, long term care fee planning, general financial planning, stakeholder pension advice in Tunbridge Wells, cheap financial advice, pension plans Tunbridge Wells, retirement planning in Tunbridge Wells, financial advice services, pension consolidation Tunbridge Wells, family income benefit in Tunbridge Wells, bereavement benefits, pension reviews, will writing services, corporate financial planning, familt controlled trusts, pension drawdowns, inheritance tax planning, offshore investments in Tunbridge Wells, pension transfers, life assurance advice, personal protection, personal pensions advice in Tunbridge Wells, divorce planning, personal financial planning in Tunbridge Wells, unit trusts, and more. These are just a few of the activities that can be handled by a financial advisor. Tunbridge Wells professionals will be delighted to keep you abreast of their whole range of financial services.
Financial Advisors Near Tunbridge Wells
Also here.: Bidborough financial advisers, Mark Cross financial advisers, Matfield financial advisers, Wadhurst financial advisers, Brenchley financial advisers, Rusthall financial advisers, Southborough financial advisers, Tudeley financial advisers, Frant financial advisers, Pembury financial advisers, Groombridge financial advisers, Penshurst financial advisers, Tonbridge financial advisers, Ashurst financial advisers, Speldhurst financial advisers, Fordcombe financial advisers, Bells Yew Green and more. All of these villages and towns are served by local financial advisers. Tunbridge Wells residents can get price quotes by clicking
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Financial Advisors Around Tunbridge Wells: In Snagswell Cottages, Trebilco Close, Cavendish Drive, Carriers Place, Southfields Way, Scotts Way, Commercial Road, The Grove, Cricketers Close, Shirley Cottages, The Chase, Sussex Mews, Bowen Road, Tuxford Road, Sandhurst Avenue, Clifton Road, The Fairways, Dunstan Road, Senlac Place, Dorset Road, Carlton Crescent, Silwood Close, Cypress Grove, Claytons Lane, Brewer Street, Bayhall Road, Brendon Close, Ashenden Walk, Speldhurst Road, Stanhope Road, as well as the following local Tunbridge Wells postcodes: TN1 1LJ, TN1 1QP, TN1 1QY, TN1 1NU, TN1 2AA, TN1 1XX, TN1 1SY, TN1 1TE, TN1 1ES, TN1 1DG, folks have recently needed financial and investment advice. Folks residing in these local areas recently required help from a financial advisor. Tunbridge Wells residents enjoyed the benefits of reliable and top quality financial services on every occasion.
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Tunbridge Wells Financial Advisor Jobs: Find financial advisor jobs in Tunbridge Wells by going here: Tunbridge Wells Financial Advisor Jobs
More Kent Financial Advisors: More Bearsted, Walmer, Gillingham, Rochester, Aylesford, New Romney, Minster, Pembury, Dartford, Westerham, Maidstone, Paddock Wood, Swanscombe, Sittingbourne, Tenterden, Herne Bay, Swanley, Kingsnorth, Canterbury, Hartley, Edenbridge, Margate, Birchington-on-Sea, Biggin Hill, Strood, Sevenoaks, Staplehurst, Sandwich, Southborough, Chatham, Wilmington, Ashford, East Malling, Dover, Westgate-on-Sea, West Kingsdown, Gravesend, Snodland, Folkestone, Northfleet, Ramsgate, Sheerness, Lydd, Meopham, Sturry, Faversham, Broadstairs, Tonbridge, Deal, Tunbridge Wells, Whitstable, Cranbrook, Boxley.:
Independent financial advisor in TN1 area, and dialling code 01892.
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