At a Glance
- Tasks: Provide expert protection advice on life assurance, critical illness, and income protection.
- Company: Join Clearwater, a leading financial planning firm with a supportive team culture.
- Benefits: Enjoy a competitive salary, bonuses, 25 days holiday, and professional development opportunities.
- Other info: Access to structured onboarding and a clear career progression pathway.
- Why this job: Make a real impact in clients' lives while growing your career in a collaborative environment.
- Qualifications: Minimum 18 months experience in protection advice and strong communication skills required.
The predicted salary is between 49500 - 60500 £ per year.
Clearwater (CWM) is a financial planning firm, delivering technically excellent, client-centered advice across pensions, investments, tax and estate planning.
The Employed Adviser Team (EAT) was established in late 2024 to sit alongside our long-standing self-employed partner structure, offering a salaried route into advice for high-calibre advisers who want the backing of an established firm.
The EAT is headed by one of our owners, Peter Winstanley, and is building a reputation for technical rigor, strong client outcomes and a genuinely supportive team culture.
Role Purpose
We are looking for an experienced Protection Adviser to join our Employed Adviser Team, working with our existing Protection Adviser and support team providing high-quality protection advice including life, critical illness, income protection and business protection to our client base.
This role sits at the heart of holistic financial planning, working closely with both our employed and self-employed advisers across the practice to ensure clients' protection needs are fully integrated into their wider financial plans.
Key Responsibilities
- Provide advice on life assurance, critical illness cover, income protection, business protection and other related protection products to clients, ensuring recommendations reflect their full financial circumstances.
- Work collaboratively with our advisers to identify protection needs arising from wider financial planning conversations.
- Conduct thorough fact-finds, needs analysis and risk assessments to underpin suitable, compliant recommendations.
- Clearly explain policy features, benefits, exclusions and costs, delivering a high level of customer service throughout the advice process.
- Liaise with providers and underwriters to secure appropriate terms for clients, including those with complex medical or financial underwriting requirements.
- Maintain accurate, compliant client records and documentation in line with FCA requirements and CWM's internal processes.
- Build and maintain strong, long-term client relationships, acting as a trusted point of contact for protection matters.
- Support the development of the EAT's protection proposition, including referral pathways with the advisers.
- Keep up to date with market developments, product innovation and regulatory change across the protection sector.
- Contribute to a positive, collaborative team culture, sharing technical knowledge with colleagues where appropriate.
- Candidate Profile
- Proven track record providing protection advice within a regulated financial services environment for a minimum of 18 months.
- Strong technical knowledge of life, critical illness, income protection and business protection products, underwriting processes and provider markets.
- Clean compliance and regulatory history, with no outstanding conduct concerns.
- Excellent client relationship and communication skills, with the ability to explain complex products clearly.
- Strong attention to detail and a rigorous approach to compliance and documentation.
- Comfortable working collaboratively within a wider advice team, rather than purely on an individual-adviser basis.
- Experience working alongside financial advisers in an integrated financial planning environment.
- Full diploma-level qualification (Level 4) or working towards Chartered status.
- Existing relationships with protection providers and underwriters.
- Experience mentoring or supporting the development of junior advisers.
What We Offer
- Competitive base salary with monthly performance-related bonus structure.
- 25 days holiday + bank holidays.
- Auto-enrolment pension.
- Death in Service + Income Protection.
- Core hours: 8am – 5pm
- A warm, established client network supported by high-quality introducer and referral relationships.
- Structured onboarding and ongoing professional development, including support towards further qualifications.
- A genuine career progression pathway within the EAT, including access to CWM's adviser development program.
- A collaborative, technically strong team culture, working alongside experienced advisers.
- The backing and resources of an established financial planning firm, without the demands of self-employment.
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Protection Adviser in London employer: Clearwater Wealth Management
Clearwater (CWM) is an exceptional employer, offering a supportive and collaborative work culture that prioritises employee growth and development. As a Protection Adviser within the Employed Adviser Team, you will benefit from a competitive salary, structured onboarding, and access to ongoing professional development, all while working alongside experienced advisers in a well-established financial planning firm. With a focus on client-centered advice and a genuine commitment to team success, CWM provides a rewarding environment for those looking to make a meaningful impact in their careers.
Contact Details:
Clearwater Wealth Management Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Protection Adviser in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Clearwater Wealth Management. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Protection Adviser in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Clearwater Wealth Management.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Clearwater Wealth Management's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Clearwater Wealth Management
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Clearwater Wealth Management.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Clearwater Wealth Management will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Clearwater Wealth Management employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
