Financial Advisers Kettering

Financial Advisers Kettering Northamptonshire: Finding a first-rate independent financial adviser in the Kettering area can be a challenging experience, particularly if you are needing financial advice for the first time. Whether you're looking for investments, pension, mortgage or even insurance guidance, all qualified financial advisers are bound by one common rule; they must all conform to the regulations of the FCA (Financial Conduct Authority). The advantage of this is that if a financial adviser who is FCA registered gives you bad advice, and things go awry, you've got guarantees, and can get in touch with the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to get it put right.

Recommendations from relatives and friends can be a decent starting point in choosing a financial adviser in Kettering, but keep in mind that their situation could be different to the type of advice you're looking for. Any advice they offer needs to be tailored to your particular situation, and not every financial adviser is suitable for everyone. Choosing the right financial adviser is crucial and it is wise to chat to at least three different companies so as to check out the various options they offer, and to find one that you feel comfortable with and can trust.

When you're looking to pick a financial adviser in Kettering, there are 2 principal types; restricted advisers and independent financial advisers. Offering a more diverse range of options, an IFA won't be confined to just one company's services or products. Independent financial advice must encompass the entire spectrum of financial products and companies, and should be offered in an impartial way. This enables you to select from the widest range of products to meet your needs. A restricted adviser might be limited to services and products from one particular company, or might even focus on one particular product, as you might find with a mortgage adviser.

Before accepting you as a client, any Kettering financial adviser must fully discuss their charges with you, as demanded by the Financial Conduct Authority. Although it varies dependant upon the kind of service or product you are interested in, there may be a set fee, an hourly rate, or you could even be charged a slice of the money you're investing. To allow you to discuss your aims and see if the adviser is the correct fit for you and your situation, you could be offered the possibility of a free first consultation. If you use one of the larger Kettering firms, your account may be looked after by a team of advisers rather than just one person.

You will have to complete a "Fact Find" document, which is a confidential disclosure form relating your financial situation and targets to the advising firm. A Key Facts Document, or Initial Disclosure Document will also be given to you, providing information on the financial advisers themselves, outlining the scope of their permissions in the financial market and their status to offer independent or restricted advice. This document should also make clear your rights and your options if you aren't happy with the service provided, and would like to submit a complaint. It must be typed out in plain English and detail what you're committing yourself to, and any potential benefits and risks that exist should you decide to accept the offered advice. This document should also inform you of the level of cooling-off period. This allows you to cancel the contract within a specific time period, and whenever any penalties are incurred.

When speaking to the financial adviser for the first time make sure you check their qualifications and experience. After all you're just about to entrust your financial future to their skill, so you must not be embarrassed about asking these questions. A Level 4 qualification in financial advice is the minimum qualification for any financial adviser in Kettering, and they must also be able to present an annual Statement of Professional Standing. When checking the Financial Services Register, don't stress if your specific financial adviser's name does not show up on there; you ought to be able to locate the firm name, and that means the legislation covers all of their staff. If these cannot be presented the individual can still offer financial guidance instead of advice. In financial terms guidance differs to advice and isn't regulated in the same way. Therefore there is no recourse for the client if financial mistakes occur.

If it's investments that you are interested in, the adviser will need to know the amount of risk you are willing to take with your hard-earned cash. Many investments carry some element of risk, but higher risk investments may offer higher rewards, and also more chance of losing some or all of your money. In order to get the very best financial and investment advice, your savings goals must be taken into account, i.e. how quickly you need to access your funds, short or long term investments and how much money you want to invest. One question you should ask of yourself, which is usually overlooked, is how much you can really afford to lose. This is commonly called your 'capacity for loss' and might affect the services and products that could be offered to you.

You will have to let your financial adviser know about your current mortgages, regular payments, personal savings or investments. They will need these details, so they can get a picture of your financial circumstances and give the correct advice for your needs. The diversification of your savings and investments by spreading the risk across a number of different products, is an important part of good quality financial advice. An experienced financial adviser in Kettering will understand the best products to consider, which mirror your financial situation and your goals.

Communicating in the plainest speech possible, your financial adviser will reveal the multifaceted world of investment and finance. This will help you to compare services and products that meet your needs, and make an informed decision. If you are mind is firmly on the environment, you could ask your adviser to stick to ethical investment and savings schemes. You can then steer clear of businesses that investments meet your criteria, but instead lend your support to those businesses and companies that address your concerns, for example zero carbon or green energy.

It is not that easy to have a close working relationship with a financial adviser in Kettering without this impacting on your work and other obligations. This can be reduced by augmenting face-to-face meetings with telephone calls and video conferencing, hence enabling you to seek the guidance you need at a convenient time. Even if you never have an in-person meeting with your adviser, an established financial advice company in Kettering will have rigorous measures in force to keep your details confidential and secure, because remote and home working is now commonplace.

COMPLAINTS

Investments can be a volatile area, and values can fall as well as rise. If it just so happens that your investment is not making as much money as you hoped for, it can be a very worrying and frustrating time. Regrettably, a downward trend in your investment isn't a recognised grounds for complaint, unless it is owing to misleading or incorrect information from your adviser.

Any grievances should start out with the company's official complaints procedure as detailed in the Key Facts Document. If your financial adviser is a member of the Financial Conduct Authority, you can tell the Financial Ombudsman about the problem if it is unresolved within the period laid down by the regulating authority.

The Financial Ombudsman will make a ruling after reviewing the cause of the complaint independently. A decision is made on how to rectify the situation or financially compensate the client, if the complaint is upheld. Once agreed on by the customer, the ruling will become legally binding, and the financial adviser and their company must abide by it. Any trouble, distress, annoyance and inconvenience caused to the client during the process, will be considered when the Ombudsman sets the level of compensation.

Financial advice can be provided in Kettering and also in nearby places like: Cransley, Desborough, Loddington, Isham, Warkton, Orlingbury, Cranford, Broughton, Mawsley, Glendon, Burton Latimer, Pytchley, Barton Seagrave, Little Cransley, Rushton, Rothwell, as well as in these postcodes NN15 5HL, NN14 4XU, NN14 2ZG, NN15 5HG, NN15 5BB, NN15 5DG, NN15 5JF, NN15 5DP, NN15 6AS, NN14 4QG. Local Kettering financial advisers will likely have the dialling code 01536 and the postcode NN15. Checking this can confirm that you're accessing local financial advisers. Kettering homeowners will be able to benefit from these and countless other finance related services.

Kettering Financial Advice Services

There are a whole host of services which can be provided by your local Kettering financial advisor including mortgage services, pensions in divorce in Kettering, income protection advice, will writing services Kettering, savings advice in Kettering, investment consolidation in Kettering, stakeholder pensions, investment bonds in Kettering, cashflow planning, investing an inheritance, divorce financial planning in Kettering, pension reviews in Kettering, money planning, corporate financial planning, life insurances in Kettering, tax advice, mutual funds, financial planning, cheap financial advice, investment plans Kettering, ISA's Kettering, life assurance advice Kettering, familt controlled trusts, critical illness cover, equity release advice in Kettering, cash flow modelling, financial analyst services, pension consolidation in Kettering, multi-asset portfolios, personal financial planning Kettering, and more. Listed are just a selection of the activities that can be accomplished by local financial advisers. Kettering professionals will keep you informed about their whole range of financial services.

Financial Advisers Northamptonshire

In the Northamptonshire area you will likewise discover: Duston financial advisors, Stanion financial advice, Ringstead investment advice, Silverstone financial advisors, Old Stratford financial advisers, Harpole financial advice, Higham Ferrers investment advisers, Sywell investment advisers, Billing investment advisers, Irthlingborough financial advisors, Braunston financial advisors, Wootton investment advisers, Paulerspury investment advisers, Barton Seagrave financial advisers, Spratton financial advice, Long Buckby financial advisers, Nassington financial advisers, Paulerspury financial advisers, Long Buckby investment advisers, Islip investment advice, Earls Barton investment advice, Middleton Cheney investment advisers, Hinton investment advisers, Nether Heyford financial advice, Harpole financial advisers, Thrapston financial advisors, Yardley Gobion financial advisers, Braunston investment advice, Croughton investment advice, Rothwell investment advisers.

Northamptonshire Financial Advice Enquiries

Latest Northamptonshire financial advice enquiries: Cassius and Caoimhe Peck in Weldon recently asked for information on pensions. Mathew and Jasleen Preece in Brackley recently enquired about financial planning. Roscoe Abel and Layla Abel from Syresham, Northamptonshire recently asked for information on mortgages. Roxy and Zack Hurrell in Roade recently asked about getting financial advice. Mia-Rose and Ruairi Harwood in Spratton recently asked for information on mortgages. Alexia and Marco Neal from Burton Latimer, Northamptonshire recently enquired about mortgage advice. Rae and Antony Sheridan in Islip, Northamptonshire recently asked for information on mortgages. Oliver and Emmie Hibbert in Old Stratford recently asked about investment bonds. All these local people did a search for "financial advisors Northamptonshire" and located this web page on either Google or another search engine.

Financial Advisers Near Kettering

Also find: Pytchley financial advisers, Rothwell financial advisers, Broughton financial advisers, Barton Seagrave financial advisers, Glendon financial advisers, Mawsley financial advisers, Burton Latimer financial advisers, Orlingbury financial advisers, Isham financial advisers, Desborough financial advisers, Cransley financial advisers, Cranford financial advisers, Loddington financial advisers, Little Cransley financial advisers, Warkton financial advisers, Rushton financial advisers and more. All of these places are catered for by local financial advisers. Kettering residents can get financial advice price quotes by clicking here.

Kettering Financial Advice Services

Find Financial Advisers in Kettering Here

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Financial Advisors Around Kettering: Some Kettering streets and areas where financial advice has recently been given - Tideswell Close, Ashbourne Drive, Chase Hill, St James Crescent, Castle Hill, Southgate Drive, Braemar Close, The Gardens, Spring Rise, Salisbury Street, Chestnut Avenue, Duck End, Stanley Boddington Court, Stanion Road, St Giles Close, Saxon Dale, Drayton Close, Carpenters Yard, Damson Close, Coniston Road, Broadlands, Cordwainer Grove, Church Street, Clifton Grove, Althorpe Place, Tynan Close, Cypress Close, Chase Close, Suffolk Place, as well as the following Kettering area postcodes: NN15 5HL, NN14 4XU, NN14 2ZG, NN15 5HG, NN15 5BB, NN15 5DG, NN15 5JF, NN15 5DP, NN15 6AS, NN14 4QG. People living in these local areas recently needed the help of a financial adviser. Kettering residents enjoyed the benefits of trusted and competent financial services in every case.

To find out local Kettering info go here

More Northamptonshire Financial Advisers: More Northamptonshire financial advisers: Daventry, Wellingborough, Brackley, Kettering, Rushden, Northampton and Corby.

Independent financial advisers in NN15 area, (dialling code 01536).

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