Role at a glance
Every conversation is confidential, and we will always confirm with you that it is okay before your details are shared with any firm.
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Financial Adviser
A Financial Adviser role with a growing UK financial advice firm, open to experienced advisers, those early in their advising career, and Level 4 Diploma-qualified paraplanners or client support professionals who are ready to advise. Salary up to £60,000 a year, plus an adviser bonus scheme, with offices in Norwich, Harlow, St Ives (Cambridgeshire) and Westerham.
About this role
IFA Talent is recruiting Financial Advisers for a growing UK financial advice firm. The firm is not named on this page. The role is open to experienced advisers, to people in the early stages of an advising career who want further development, and to Level 4 Diploma-qualified professionals currently in a paraplanning or client support role who are ready to take the next step into advice.
The firm provides comprehensive training, mentoring and ongoing professional development through in-house programmes. In the role you will work closely with clients to build long-term relationships, support them with strategic cashflow planning and ongoing financial guidance, and recommend suitable products and services.
The firm describes a collaborative working environment, modern offices and annual company events, with a strong emphasis on professional development and employee wellbeing.
Key responsibilities
- Carry out detailed fact-finding meetings to understand clients' financial objectives, risk tolerance, capacity for loss and current circumstances.
- Complete comprehensive financial reviews covering income, expenditure, assets, liabilities, existing policies and pension arrangements.
- Identify short, medium and long-term goals, such as retirement planning, protection planning, inheritance tax planning and education funding.
- Provide clear suitability reports and recommendations in line with FCA requirements.
- Develop holistic financial plans for individual and corporate clients, covering investments, pensions, tax-efficient planning, protection and estate planning.
- Recommend suitable products, such as ISAs, personal pensions, SIPPs, workplace pensions, investment bonds and protection policies, and structure portfolios in line with attitude to risk, objectives and time horizons.
- Advise on regulated investment solutions including OEICs, unit trusts, investment trusts, structured products, ETFs and discretionary fund management services, and recommend adjustments when markets, legislation or a client's circumstances change.
- Keep investments suitable and compliant with FCA Conduct of Business (COBS) rules.
- Provide pension advice covering defined contribution and defined benefit schemes, pension consolidation, drawdown, annuities, retirement income planning and sustainable withdrawal strategies, and advise on Lifetime Allowance (where applicable), Annual Allowance and pension tax efficiency.
- Recommend protection solutions including life assurance, income protection, critical illness cover and relevant business protection, and advise on inheritance tax mitigation and estate planning, working alongside solicitors where appropriate.
- Help clients put appropriate nominations, trusts and beneficiary arrangements in place.
- Maintain long-term relationships through regular review meetings and ongoing servicing, including annual suitability reviews, and keep clients informed of relevant regulatory, legislative and market changes.
- Comply with FCA rules and principles, Consumer Duty and Treating Customers Fairly, keep accurate client records, complete CPD and maintain a current Statement of Professional Standing (SPS).
Who it may suit
This role may suit you if you can offer the following, as set out in the description.
- A Diploma in Regulated Financial Planning (Level 4 minimum, as required by the FCA).
- Strong knowledge of UK financial products, taxation, pensions legislation and investment markets.
- Excellent interpersonal and communication skills, with the ability to explain complex financial matters clearly.
- Strong analytical skills, with the ability to assess risk, capacity for loss and suitability.
- High attention to detail and strong organisational skills.
- A commitment to ethical standards and client-focused advice.
Pay, benefits and working pattern
The salary is from £35,000 to £60,000 a year depending on skills and experience, shown here as up to £60,000. You will also have the opportunity to take part in an adviser bonus scheme, subject to the scheme's terms and conditions.
The offices are in Norwich, Harlow, St Ives (Cambridgeshire) and Westerham. The role is not described as hybrid working, because a split between office days and time with clients is not set out.
Benefits
- 22 days' annual leave plus bank holidays in year one, with additional leave awarded in line with length of service. After a successful first year and continued strong performance, advisers move to a flexible holiday entitlement, recognising the autonomy and responsibility of the role
- Company sick pay
- One day's volunteering leave a year
- Free onsite parking
- Death in service cover of four times salary
- An employee assistance programme, with confidential support for you and your immediate family
- A group income protection scheme: after 26 weeks, 50% of salary is paid
- Cycle to Work scheme
- Payroll giving scheme
- A company pension scheme, with a 6% employer contribution and a 3% employee contribution
- Access to a financial adviser
- An employee referral scheme
- Continuous training and professional development
- A collaborative and supportive team environment, modern offices and annual company events
How to apply, and what happens next
IFA Talent is recruiting for this role. Apply through our contact form with a short voice note (up to three minutes), a CV, a typed message, or a mix of these. You do not have to rewrite a CV if a voice note or a short message is easier.
We will review what you send and reply to arrange a time to talk, checking your details with you. Every conversation is confidential. We will always confirm with you that it is okay before your details are shared with any firm. You can also read our privacy notice.
Questions candidates often ask
Do I need to be Level 4 qualified?
Yes. The description asks for a Diploma in Regulated Financial Planning at Level 4 as a minimum, as required by the FCA. The firm also welcomes Level 4 Diploma-qualified professionals who are currently in paraplanning or client support and are ready to move into an advising seat, as well as advisers who already have experience.
Where is the role based?
The description lists offices in Norwich, Harlow, St Ives (Cambridgeshire) and Westerham. We can talk through which office would be the best fit once we have spoken with you.
Is there a bonus as well as the salary?
Yes. Alongside a salary of up to £60,000 a year, there is an adviser bonus scheme, subject to the scheme's terms and conditions. We can talk that through with you.
Who is the employer?
This role is with a growing UK financial advice firm. The firm is not named on this page. IFA Talent is recruiting for the role, and we will only share your details with the firm once you have told us that it is okay.
How do I apply, and what happens next?
Use the contact form to send a voice note, a CV or a short message, or a mix of these. We review what you send, reply to arrange a time to talk, and check your details with you. Your details are not shared with any firm until you have said that it is okay.