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- Tasks: Provide independent financial planning advice on pensions, investments, and protection.
- Company: Join MM Wealth, a dynamic firm focused on client-centric financial services.
- Benefits: Enjoy a collaborative work environment with opportunities for professional development.
- Why this job: Make a real impact on clients' financial futures while growing your expertise in finance.
- Qualifications: Must have 5+ years in financial services and QCF Level 4; Level 6 preferred.
- Other info: Flexible office locations and a commitment to diversity and teamwork.
The predicted salary is between 36000 - 60000 £ per year.
As Financial Planner, you will be based at the MM Wealth office in Girton, but may be asked to work from another office location from time to time.
You will provide independent financial planning advice to the clients of MM Wealth including areas such as Pensions, Investments, Protection and non-mainstream investments. You would be required to have a minimum of 5 years' experience working in financial services. You will have QCF Level 4 but it would be desirable that you have QCF Level 6 or nearing attainment of it.
Main Duties:
Understanding / Analysis / Recommendation
- Acquire and retain clients for the firm and provide a high-level, full and holistic financial planning service
- Make initial contact to assess a client’s personal financial situation, and to understand their short and long-term personal financial goals
- Gather and record all relevant information (Know Your Client principles)
- Inform the client as to the range and level of services offered under the Private Client Service Proposition. Understand and be able to convey the costs and charges which apply
- Identify and agree the most appropriate service for the client
- Undertake an assessment of the client’s attitude to risk
- Work with Client Relationship Manager (CRM) to analyse existing arrangements and carry out research that will form the basis of recommendations to meet the client’s objectives
- Collaborate with CRM to produce a suitability report with recommendations for a plan to meet the client’s objectives
- Ensure the client understands our recommendations before proceeding
- Communicate with client’s other professional advisers (Accountant / Solicitor)
- Case manage new business in conjunction with the CRM from issue of the report and recommendations to the investment of monies or inception of cover
- Communicate with the client throughout process
- Identify new business opportunities and encourage referrals / recommendations from clients
Ongoing Service
- Communicate with clients in respect of any changes which may impact their financial plans
- Ensure delivery of the service in line with the Private Client Service Proposition
- Arrange periodic review meetings (which may be held offsite)
- Ensure changes to client’s circumstances are recorded and acted upon (this may include Vulnerable Client Assessments). Confirm that agreed strategies remain appropriate Review Attitude to Risk and investment performance. Confirm tax allowances are used where appropriate
- Record comprehensive notes of meeting (where no CRM/member of Client Executive Team supporting) for presentation to the client for approval
- Introduce cashflow modelling where appropriate
- Follow quarterly investment review process in reviewing non-model portfolios
- Ensure the client quarterly valuation is accurate and correctly presented
General Responsibilities
- Oversight of making sure the back-office system (CURO) is always up to date i.e. client reviews, New Business report
- Identify business development opportunities
- Attend networking and professional connection event to help to support business development opportunities
- Attend appropriate seminars / workshops on behalf of the firm and report back
- Comply with the Financial Services and Markets Act 2000 and the relevant FCA regulatory rules at all times
- Attain and maintain level of competence as required by the firm to follow the plan issued to you
- Complete all training prescribed by the firm within the timescales given
- Ensure relevant CPD is maintained and recorded accurately
- Develop professional qualifications in line with requirements of the role specifically and the firm’s needs more generally
- Be respectful to colleagues and embrace diversity
- Support the firm’s client centric culture
- Recognise the team ethic at MM Wealth and be flexible in providing support to other disciplines within the firm
- Be willing to take on and be responsible for project work
- Meet Key performance objectives set by the firm
- Maintain all standards of performance as required by the firm
- Any other tasks as required by the Directors
- Comply with the requirements of the Senior Managers & Certification Regime as follows:
- Adhere to the Company handbook at all times
- Adhere to compliance requirements and procedures as guided by Risk Management and the Financial Conduct Authority regulator (FCA)
Note : This job description is non contractual and is not exhaustive. It also may be added to or changed from time-to-time following discussions and consultation with the post holder and line manager. Please note that we do not have UK sponsorship for the role.
It is essential that you have the following skills:
- Ability to work using your own initiative.
- Problem-solving and decision-making abilities.
- Excellent verbal and written communication skills.
- Attention to detail.
- Confident dealing with people at all levels.
- Planning and organisation skills.
- Knowledge of cashflow modelling
- Proficient in MS Office systems i.e. Word, Excel, Outlook.
- Demonstrate and develop client contact skills
- To ensure all client files are compliant on an ongoing basis.
- Hold a valid driving licence.
It would be desirable for you to have knowledge of Voyant Cashflow modelling, CURO back-office system and AJ Bell Custody solutions (Figaro).
You would be required to have the following experience:
- Minimum of 5 years' experience working in financial services:
- Always treating clients in a courteous and professional manner. Show respect for all clients, colleagues and business associates at all levels.
- Track record of satisfied clients and high level of retention of clients.
- Experience of working in a busy and dynamic office environment.
- Experiencing of managing a busy and varied workload.
- Experience in working to deadlines with changing priorities.
You should be self-motivated and pro-active, have the ability to cope under pressure and the ability and willingness to maintain a professional standard. You should possess a positive can-do work ethic.
It is an essential requirement that you have a QCF Level 4 or equivalent qualification and desirable that you are QCF Level 6 or nearing attainment of it.
You should be able to:
- Develop professional qualifications in line with requirements of the role specifically and the firm’s needs more generally.
- Have willingness to achieve and maintain a level of competence as required by the business.
- Complete all training prescribed by the firm within the timescales given.
- Ensure relevant CPD is maintained and recorded accurately
- Adhere to compliance requirements and procedures as guided by Risk Management and the Financial Conduct Authority regulator (FCA)
Financial Planner employer: MM WEALTH LTD
Contact Detail:
MM WEALTH LTD Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Financial Planner
✨Tip Number 1
Make sure to highlight your experience in financial services, especially if you have over 5 years. Be ready to discuss specific cases where you've successfully acquired and retained clients, as this is a key part of the role.
✨Tip Number 2
Familiarize yourself with the Private Client Service Proposition and be prepared to explain how you would apply it in practice. This shows that you understand the firm's approach and are ready to contribute from day one.
✨Tip Number 3
Networking is crucial in this role. Attend industry events or seminars before your interview to build connections and gain insights into current trends in financial planning. This can give you an edge in discussions.
✨Tip Number 4
Demonstrate your knowledge of cashflow modelling tools like Voyant and back-office systems such as CURO. If you have experience with these, be sure to mention it, as it aligns with the desirable skills for the position.
We think you need these skills to ace Financial Planner
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your relevant experience in financial services, especially your 5+ years of experience. Emphasize your qualifications, particularly your QCF Level 4 and any progress towards Level 6.
Craft a Strong Cover Letter: In your cover letter, express your understanding of the role and how your skills align with the responsibilities outlined. Mention your problem-solving abilities and your experience in client management.
Showcase Relevant Skills: Highlight specific skills mentioned in the job description, such as cashflow modelling, attention to detail, and proficiency in MS Office. Provide examples of how you've successfully used these skills in past roles.
Demonstrate Client-Centric Approach: Illustrate your commitment to client satisfaction and retention. Share examples of how you've built strong relationships with clients and how you ensure their needs are met.
How to prepare for a job interview at MM WEALTH LTD
✨Showcase Your Experience
Make sure to highlight your minimum of 5 years' experience in financial services during the interview. Prepare specific examples of how you've successfully acquired and retained clients, as well as how you've provided holistic financial planning services.
✨Understand the Client's Needs
Demonstrate your ability to assess a client's personal financial situation and their goals. Be ready to discuss how you gather relevant information and apply the Know Your Client principles effectively.
✨Communicate Clearly
Since excellent verbal and written communication skills are essential, practice explaining complex financial concepts in simple terms. This will show that you can convey recommendations clearly to clients and collaborate with other professionals.
✨Emphasize Compliance Knowledge
Familiarize yourself with the Financial Services and Markets Act 2000 and FCA regulatory rules. Be prepared to discuss how you ensure compliance in your work and maintain client files accurately.
