Job Title: Financial Advisor
Salary: £60,000 - £65,000
Location: Hertford, Herts
Term: Permanent
An award winning private Financial Planning business is in search of a Financial Adviser to join their thriving business. Work in a successful business where you can show off your independent thinking, desire to play a key role in growing this thriving business.
Main Purpose & Scope of the Financial Adviser role:
The Financial Adviser is responsible for providing clients with holistic, tailored financial advice that helps them achieve their short- and long-term financial objectives. The role involves building and maintaining strong client relationships, undertaking detailed fact-finding, analysing client needs, and recommending appropriate financial planning and investment solutions in line with FCA regulations and company policies. This is an organisation with clients at the heart of the mission, not products.
The adviser will manage a portfolio of new and existing clients, delivering high-quality service and advice across areas such as retirement planning, investments and protection strategies. Working closely with paraplanners, administrators, and compliance, the Financial Adviser ensures that all recommendations are well-researched, compliant, and clearly communicated to clients.
The scope of the role includes developing new business opportunities, contributing to client acquisition and retention, maintaining professional competence, and upholding the company's values of client care, transparency, and integrity.
Duties of the Financial Adviser role:
- Client Acquisition
- Identify, develop, and manage new client opportunities through networking, referrals, and business development activities.
- Conduct detailed fact-finding with prospective clients to understand their financial circumstances, needs, and objectives.
- Gather and analyse financial information (income, expenses, assets, liabilities) and ensure accurate input into the CRM database.
- Present clear, tailored financial planning solutions in line with company values and FCA requirements.
- Maintain accurate client records and ensure client documentation remains current and compliant.
Existing Clients
- Manage and maintain a portfolio of clients, delivering ongoing financial planning advice and reviews.
- Conduct regular review meetings, preparing performance data and ensuring client objectives remain on track.
- Implement agreed actions, including portfolio rebalancing, updating risk profiles, and making changes to financial plans.
- Provide technical guidance and support to clients, including use of the Investor Portal.
- Ensure clients fully understand their financial position, risks, and options through effective use of financial models, projections, and cashflow planning.
Technical Research & Reporting
- Work with paraplanners to ensure suitability reports and supporting documentation accurately reflect client needs and adviser recommendations.
- Oversee product research and comparisons to ensure the most appropriate solutions are recommended.
- Ensure all correspondence, fee proposals, and follow-up materials are accurate, compliant, and client-focused.
Regulatory Compliance
- Ensure all client advice, recommendations, and documentation comply with FCA regulations and internal policies.
- Take ownership for maintaining high standards of ethical and compliant practice.
- Collaborate with the Compliance Officer to ensure audit readiness and adherence to regulatory standards.
Client Communication
- Build and maintain long-term relationships with clients, acting as their primary financial planning contact.
- Communicate complex financial concepts clearly and confidently, ensuring clients understand recommendations and decisions.
- Respond promptly and professionally to client queries, maintaining high standards of service.
Teamwork & Collaboration
- Work closely with paraplanners and administrators to ensure the advice process is efficient and client-focused.
- Contribute to the sharing of knowledge and best practice across the advice team.
- Support the development of junior staff or trainees through mentoring and guidance where appropriate.
- Professional Development
- Maintain up-to-date knowledge of financial products, legislation, and best practice.
- Complete CPD requirements and maintain relevant industry qualifications (minimum Level 4 Diploma, with progression toward Chartered status desirable).
- Proactively seek opportunities to improve personal performance and contribute to the growth of the advice function.
Skills and experience required for the Financial Adviser role:
- Experience and Knowledge
- Proven experience in providing regulated financial advice, with strong understanding of financial planning principles, products, and investment solutions.
- In-depth knowledge of FCA regulations, compliance requirements, and suitability reporting.
- Demonstrated success in managing client relationships and delivering tailored financial planning advice.
- Proficient in the use of financial planning tools, cashflow modelling software, and CRM systems.
- Competent in Microsoft Office (Word, Excel, Outlook, PowerPoint) with strong technical aptitude.
- Experience in producing client reports, portfolio analysis, and product research.
Skills
- Strong analytical and problem-solving skills with the ability to interpret complex financial data and present practical solutions.
- Excellent organisational skills with a high level of accuracy and attention to detail.
- Strong time management and prioritisation skills, with the ability to manage a portfolio of clients and meet deadlines.
- Exceptional written, verbal, and numerical communication skills, able to explain technical and complex information in a clear, client-friendly manner.
- Strong interpersonal skills with the ability to build trust and long-term relationships with clients, colleagues, and providers.
- Commercial awareness and business development skills to identify new opportunities and support growth.
- Ability to use initiative, exercise sound judgement, and work independently while contributing to a collaborative team environment
Salary and Benefits for the Financial Adviser role:
- £60,000 to £65,000
- Annual bonus based on company performance
- Hybrid flexible working structure (1 day per week at home)
- Health cover
- 5% pension contribution
- 25 days holiday (inc. bank holidays)
- 35 hour week
Please apply on line or call Mary on 01279 758855 for more information.
This vacancy is being advertised by RecruitAbility Ltd. The services advertised by RecruitAbility Ltd are those of an Employment Agency.
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