At a Glance
- Tasks: Deliver bespoke life insurance solutions for high net worth clients and complex inheritance tax planning.
- Company: Join a specialist advisory team focused on high-value financial solutions.
- Benefits: Competitive salary, professional development, and direct exposure to high net worth clients.
- Other info: Opportunity for career growth within a supportive and collaborative environment.
- Why this job: Make a real impact by advising on complex financial strategies for wealthy clients.
- Qualifications: Experience in financial planning and a diploma in regulated financial planning is essential.
The predicted salary is between 60000 - 80000 £ per year.
We are seeking a highly experienced Financial Adviser to join a specialist advisory team focused on delivering bespoke life insurance solutions for inheritance tax planning, business succession, and wealth structuring.
Our proposition is centred on
- High net worth and ultra high net worth clients (typically clients with estate values of £10m+)
- Complex IHT mitigation strategies (including trust planning and liquidity provision)
- Close collaboration with professional introducers (lawyers, accountants, bankers, private client advisers)
- Large sum assured, technically complex protection cases
This is not a volume sales role. It is a consultative, technically led position focused on structuring and delivering high value, advice driven outcomes.
Role Purpose
Design and deliver life insurance solutions within IHT and estate planning frameworks.
Act as a trusted adviser alongside legal, accountancy, banking and other professional advisers.
Manage complex, high value cases involving UK and cross border estates and non UK residents / internationally mobile clients.
Provide a joined up approach integrating protection into wider financial and tax planning strategies.
Key Responsibilities
- High Net Worth Client Advice
- Advise clients on term life and whole of life planning for IHT liabilities, trust based protection structures, and family wealth preservation strategies.
- Identify protection needs across personal protection (life, CIC, IP) and business protection (Key Person, Shareholder Protection, loan cover, Relevant Life).
- Structure solutions aligned to estate equalisation, liquidity for tax liabilities, and succession planning.
- Introducer Led Relationship Model
- Build and maintain strong working relationships with private client solicitors, tax advisers and accountants, banking and other finance professionals.
- Operate as a technical protection specialist within a wider advisory ecosystem.
- Contribute to joint client strategies and professional discussions.
- Support introducers with case structuring ideas and technical input on protection solutions.
- Complex & Cross Border Case Structuring
- Advise on cases involving international assets and multi jurisdictional estates.
- Structure protection arrangements considering tax treatment, jurisdictional issues, ownership structures, and trusts.
- Navigate complex underwriting scenarios including large sums assured, financial justification, and enhanced underwriting requirements.
- End to End Case Management
- Lead high value cases from initial concept through to placement.
- Pre underwriting discussions and insurer selection with market positioning.
- Co ordinate evidence (financial, medical, legal) and work closely with in house underwriting team to negotiate competitive terms.
- Technical Excellence & Compliance
- Deliver advice in line with FCA regulatory requirements.
- Produce suitability reports and advice documentation.
- Maintain awareness of changes in tax legislation (particularly IHT) and protection market developments.
- Candidate Profile
- Strong experience advising protection or financial planning to high net worth clients.
- Proven track record working with high value life insurance sums (£5m+).
- Experience with introducer led business models and professional advisers (solicitors, accountants, bankers).
- Exposure to complex IHT planning cases and business owner or landed estate clients.
Qualifications
- Diploma in Regulated Financial Planning (Level 4) - essential.
- Progress towards Chartered or STEP qualifications highly desirable.
- Technical Capability
- Strong working knowledge of protection products across the UK market.
- Trust planning and policy ownership structures.
- IHT planning principles and estate liquidity solutions.
- Underwriting approach for high value cases, cross border considerations.
- Personal Attributes
- Commercial and relationship driven mindset.
- High attention to detail and organisational capabilities.
- Comfortable operating in professional adviser environments.
- High level of technical curiosity and problem solving ability.
- Strong communication skills with ability to influence professional introducers and explain complex strategies clearly to clients.
- Sensitivity to client medical information and ability to communicate underwriting decisions and philosophy.
- Ability to build trust while delivering tailored client solutions.
- What Makes This Role Different
Focus on quality over quantity - complex, high value cases rather than volume sales.
Direct exposure to HNW / UHNW clients and advanced estate planning strategies.
Opportunity to operate as a specialist adviser within a wider financial planning framework.
Strong pipeline via established introducer relationships and internal introductions via Howden colleagues.
- Ideal Candidate Positioning
- A protection adviser wishing to focus on IHT led, high value advice.
- A financial planner wanting to specialise in life insurance and estate liquidity planning.
- An adviser currently working in an introducer model but seeking better quality clients, more complex cases, and greater technical challenge.
Financial Advisor - Life & Inheritance Tax employer: 21AVGB00 SPF Private Clients Limited
As a leading financial advisory firm, we pride ourselves on fostering a collaborative and supportive work culture that empowers our Financial Advisors to excel in delivering bespoke life insurance solutions for high net worth clients. Our commitment to employee growth is evident through ongoing training and development opportunities, ensuring you stay at the forefront of complex inheritance tax strategies. Located in a vibrant area with strong professional networks, you'll benefit from direct exposure to ultra high net worth clients and the chance to work alongside esteemed legal and financial professionals.
Contact Details:
21AVGB00 SPF Private Clients Limited Recruitment Team
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We think this is how you could land Financial Advisor - Life & Inheritance Tax
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We think you need these skills to ace Financial Advisor - Life & Inheritance Tax
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