H D Consultants - whole of market financial advisers

Qualifications

Choosing a financial adviser

If you consult an accountant, doctor or solicitor you expect them to be fully qualified to a high standard – so why should you accept anything less with your financial adviser?

However, unlike accountancy, medicine or law there is no one, high level, easily recognisable qualification consumers can trust when it comes to choosing a financial adviser. There are literally dozens of different financial qualifications, all issued by different bodies and meaning different things.

Nowadays, all financial advisers are required by their regulator, the Financial Services Authority (FSA) to pass examinations known as the Certificate in Financial Planning (Cert FP) or equivalent before they are allowed to provide financial advice. The Cert FP was previously known as the Financial Planning Certificate (FPC).

In addition, advisers giving mortgage advice must hold a mortgage qualification such as the Certificate in Mortgage Advice and Practice (CeMAP). 

All H D Consultants' Advisers have these basic qualifications.

Our Independent Financial Consultants are specialists in their own chosen field of expertise.

Certain H D Consultants' Brokers have also attained the Cert PFS, the aff.SWW and the Cert CII (MP).

Higher level qualifications

Many advisers choose to go further and take additional, higher level, qualifications such as;

Commercial finance - CeCM

Equity Release / Lifetime Mortgages - CeRER

We recommend you choose one of these more qualified advisers, when 'shopping around' for professional advice.

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