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Financial Adviser - London/South East

Posted 27 March by CV&Coffee Ended
  • Can you talk competently about retirement planning and the options available to someone with company and personal pensions?
  • Do you want to work for a company who provide all your appointments and actively discourage new business activities?
  • Would you like access to a team of paraplanners who will complete all your financial reports?
  • Can you demonstrate an ability to hit KPIs?
  • Do you have a track record of success in financial services?


  • North West London,
  • South London (Kingston upon Thames including Reigate/Crawley area)
  • South East Area (Sevenoaks, Maidstone/Ashford and Tunbridge Wells)

Salary: Competitive Salary (based on experience) Excellent levels of commissions and extensive benefits.

Our client is an established leading provider of financial services in the workplace with a nationwide presence.

Job summary

To provide strategic asset allocation advice to private individuals in relation to the fee-based Discretionary Managed Portfolio Services. Provide a first class service to generate new client mandates and servicing the existing client base to maintain/increase assets under management.

Core responsibilities

  • Carry out a comprehensive fact-find via completion of an Investment Planning Questionnaire and through appropriate questioning, gain a full understanding of the aspirations, needs and investment objectives of the individual
  • Risk profile the investor in accordance with the company’s Risk Profile Questionnaires
  • Produce a comprehensive Investment Planning Report detailing relevant fact-find information, the advantages and disadvantages of present investment arrangements, provide a recommended investment strategy using the company’s discretionary portfolio management service, set out the rationale behind any recommendation to sell designated investments, explain cash-ceding of portfolios and the processes necessary to encash existing investments tax efficiently, detail all fees and charges
  • Provide guidance on Company Share Schemes including tax efficient exit strategies
  • Provide pension planning advice and consider the appropriateness of utilising a self-invested personal pension (SIPP) for new pension contributions and for consolidation (transfer) of legacy arrangements
  • Provide comprehensive Pension Income Options advice including; annuities, capped and flexible income drawdown, and phased retirement strategies

Essential skills/experience

  • Understand and be able to explain in generic terms the merits and detractions of all investment types
  • Be able to explain effectively the benefits of discretionary portfolio management against other investment options available
  • Good knowledge of personal taxation; in particular, income tax, capital gains tax and inheritance tax
  • Understand and be able to demonstrate the benefits of utilising available tax reliefs, where appropriate
  • Understand and be able to assess suitability of available pension income options including annuities, phased retirement and income drawdown
  • Knowledge of the regulatory environment, role of the Financial Conduct Authority, money laundering regulations and data protection
  • Excellent communication skills both written and verbal
  • Accurate and numerate
  • Drive and initiative to work on own or as part of a team
  • Working knowledge of computer based applications such as Word and Excel

Desirable skills/experience

  • Understand the implications of current pension legislation
  • Understand and be able to calculate allowable pension contributions taking into consideration existing pension arrangements
  • Understand and be able to calculate the effects of pension contribution tax relief on an individual’s tax computation
  • Explain and understand the differences between all the various pension schemes available and provide guidance on suitability
  • Be able to explain the benefits, merits and detractions of a self-invested personal pension
  • Understand the current rules applying to approved and unapproved company share schemes


  • Competent Adviser Status
  • Registered FCA Controlled Function 30 (Investment Adviser)
  • Relevant FCA approved qualification - minimum
  • SPS held including specialism in Packaged Products
  • JO5, AF3 or G60 - preferable

Personal attributes

  • Results focused
  • Energetic
  • Motivated to deliver
  • Enthusiastic
  • Flexible
  • Determined
  • Can do attitude
  • Persuasive
  • Client focused

Required skills

  • Investments
  • Pensions
  • Result Oriented
  • Technically Competent
  • Competent Adviser Status

Reference: 34382406

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