At a Glance
- Tasks: Provide expert protection advice on life, critical illness, and income protection to clients.
- Company: Join Clearwater, a leading financial planning firm with a supportive team culture.
- Benefits: Enjoy a competitive salary, performance bonuses, 25 days holiday, and professional development.
- Other info: Structured onboarding and genuine career progression opportunities await you.
- Why this job: Make a real difference in clients' lives while advancing 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.
About Clearwater & the Employed Adviser Team
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.
About the Role
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.
- What we’re Looking For
- 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.
- Competitive base + monthly performance-related bonus (details on application)
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.
- #J-18808-Ljbffr
Contact Details:
Clearwater Wealth Management Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Protection Adviser
✨Show Off Your Expertise Online
In the banking and financial services world, sharing your insights on platforms like LinkedIn can really set you apart. Write articles about market trends or finance tips, and engage in discussions in relevant groups. This not only boosts your visibility but also highlights your knowledge to potential clients.
✨Join Freelance Platforms and Networking Events
Freelancing in finance can be competitive, so make sure you're on platforms like Upwork or Fiverr, specifically targeting finance gigs. Also, look for finance networking events or webinars to connect with small businesses that might need your services. Meeting people face-to-face (or online) can score you those elusive freelance contracts.
✨Build a Stunning Portfolio
Since you're going freelance, having a solid portfolio is a must. Showcase your previous work, such as reports or analyses, and consider using case studies to highlight your approach. The more you can demonstrate your skills, the easier it is for clients to trust you with their finances.
✨Direct Outreach is Key
For freelance gigs, don't wait for opportunities to come to you. Identify companies or startups that align with your skills and reach out directly. A personalised message introducing yourself and proposing how you could add value can go a long way. Plus, keep an eye on Clearwater Wealth Management for freelance opportunities—they might have just what you’re looking for!
We think you need these skills to ace Protection Adviser
Some tips for your application 🫡
Showcase Your Financial Savvy:When applying for a freelance role in banking and financial services, we need to see your expertise front and centre! Mention specific financial regulations or tools you've mastered, and feel free to include your relevant qualifications, like CFA or ACCA, to bolster your credibility.
Build a Stellar Portfolio:Since this is a freelance gig, your portfolio is your ticket to impressing us at Clearwater Wealth Management. Include examples of past projects you've completed—think financial analyses, investment reports, or forecasting models. Be sure to highlight the results you achieved!
Tailor Your Rates and Availability:We want to see that you're flexible and can align with our needs. Clearly outline your freelance rates, availability for projects, and whether you're open to long-term collaborations or just ad-hoc gigs. This makes it easier for us to understand how we can work together!
Craft a Compelling Cover Letter:In your cover letter, express not just your skills, but also why you're excited about joining Clearwater Wealth Management. Share your passion for financial services and how you plan to tackle challenges in this sector. This is your chance to connect on a personal level—make it count!
How to prepare for a job interview at Clearwater Wealth Management
✨Show Off Your Financial Savvy
When you're talking with Clearwater Wealth Management, make sure to highlight your experience with financial modelling, risk assessment, or portfolio management. Freelance work often requires a good level of financial literacy, so prepare to discuss any relevant tools you've used, whether it's Excel or specific financial software.
✨Bring Your Portfolio to Life
A freelance role means you’ll want to showcase your previous work effectively. Put together a portfolio that not only highlights your projects but also demonstrates the outcomes - think case studies or success stories that showcase how your financial skills made a difference for past clients.
✨Know Your Regulations and Compliance
In the banking and financial services world, understanding compliance and regulations is crucial. Make sure you’re up to date with the latest standards as they relate to your expertise. Be prepared for specific questions about how you've navigated these in past roles or how you'd approach potential compliance challenges.
✨Be Ready to Discuss Your Rates and Availability
As a freelancer, the topic of rates and availability can come up early on. Be clear about what you offer and how you charge. It might also help to have a few examples in mind where your expertise saved someone money or improved efficiency to justify your rates to Clearwater Wealth Management.
