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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 achieved these qualifications.
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
IFA's
take specialist qualifications for pensions, tax planning etc
Our Independent Financial Consultants are specialists in their own chosen field of expertise.
We also have H D Consultants' Brokers who have attained the Cert PFS, the aff.SWW and the Cert CII (MP).
We recommend you choose an H D Consultants' qualified advisers, when 'shopping around' for professional advice.
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