Purpose:
As a CF30 FCA authorised Financial Adviser for Lync Wealth Management, the individual will provide comprehensive financial services advice to our clients, including financial planning to both existing and prospective clients. You will represent Lync Wealth Management and be responsible for delivering the best possible client outcomes, providing holistic advice and implementation on a wide range of financial strategies.
An opportunity has arisen for an employed adviser in our Southport office due to gaining a bank of 130 clients and the upcoming retirement of 2 advisers. This is a advice firm with a long history within the North West area of England, with currently 5 advisers. Paraplanning and administration support will be given.
Responsibilities:
- Provide financial services advice aligned with CF30 FCA authorisation, ensuring the advice is comprehensive, accurate, and tailored to the individual needs of the clients.
- Develop personalised financial plans and strategies to help clients achieve their short-term and long-term financial goals.
- Source and secure new clients through networking, referrals, and proactive relationship-building.
- Maintain and nurture relationships with existing clients, conducting regular reviews and adjusting financial plans as needed.
- Uphold and operate within the FCA’s definition of independence, ensuring all advice is unbiased, transparent, and in the best interest of the clients.
- Develop and maintain strong relationships with private clients, average AUA £200-250k and providing tailored financial advice that aligns with clients' financial goals, values, and objectives
- Ensure all recommendations comply with regulatory requirements and maintain thorough records of client interactions and advice provided
- Conduct detailed financial planning assessments, identifying clients’ needs and offering solutions such as investments, pensions, protection and estate planning.
- Regularly review and adjust clients' portfolios based on their changing needs, financial goals, and market conditions.
- Engage in Continuing Personal Development (CPD) and training to stay abreast of industry knowledge, regulatory changes, and emerging financial products/services.
- In this role, it's essential that you consistently follow the FCA's Consumer Duty principles. You're expected to act in good faith, prevent potential harm, and actively support our customers in achieving their financial goals
Knowledge:
- Experience in pensions, investments, trusts, tax and IHT planning
- Commercial awareness in order to identify appropriate target segments and lists, and to profile prospects appropriately.
- Comprehensive knowledge of financial planning, investment strategies, and various financial products and services.
- Experience in the administration, research and advice across life, investment and pension products; pooled investment vehicles, the use of bonds, onshore and offshore, life and other protection plans; retirement income planning.
- Have Wealth Management experience in areas related to the IFA market, or from an IFA background in a client-facing role
- Thorough knowledge of FCA regulations, industry standards, and compliance requirements.
- Awareness of current market trends, economic indicators, and developments in the financial industry.
Qualifications:
- Hold minimum Level 4 Diploma.
- Held CAS for a minimum of 5 years.
- Additional qualifications an advantage e.g. Long Term Care.
- Have achieved or be working towards Certified and/or Chartered Financial Planning status.
Skills/Other relevant information:
- Relationship building skills in order to rapidly establish a high level of trust with the clients, both in terms of professional and personal competence and trustworthiness
- Comply with the following at all times:
o FCA Rules and Principles
o FCA Statements of Principle for Approved Persons
o The principles of Treating Customers Fairly
o Senior Managers Certification Regime
o Compliance and relevant Procedures Manual
o The Money Laundering Regulations and internal Anti-money Laundering Procedures
- Ability to analyse financial data, market trends, and investment products to make informed recommendations.
- Exceptional verbal and written communication skills to effectively convey complex financial concepts and advice.
- Detail-oriented with excellent organisational and time-management skills.
- Ability to manage multiple clients, tasks, and priorities effectively.
- Strong Microsoft office skills – Word, Excel
- Excellent interpersonal and verbal/written communication skills
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