Personal Wealth Adviser

Location: Birmingham/West Midlands (hybrid).
Type: Permanent.
Salary: £65,000 - £80,000+ (depending on experience) plus uncapped performance‑related bonus.
Closing Date: 24/06/2026.

About the role

As a Personal Wealth Adviser, you believe that financial planning starts by understanding each client’s unique story, their goals and the life they want to build. You’ll deliver holistic, client‑led financial advice to new and existing clients, both face‑to‑face and virtually, taking the time to build a personalised financial plan that reflects their aspirations and adapts as their life evolves. We’ll expect you to use cash flow modelling and financial planning tools to provide clear, insightful advice. This is not a cold‑start position. You’ll have the backing of the largest banking group in the UK as you utilise a range of business development strategies to proactively explore the market and onboard new clients, including servicing a constant flow of leads from the wider Lloyds Banking Group, without sacrificing the quality of advice. You’ll be supported by robust systems and infrastructure so you can spend more time advising clients.

Responsibilities

• Provide holistic, client‑led financial advice to new and existing clients, both face‑to‑face and virtually.
• Build and update personalised financial plans that reflect clients’ aspirations and evolving life circumstances.
• Use cash flow modelling and financial planning tools to deliver clear, insightful recommendations.
• Leverage business development strategies and the Lloyds Banking Group’s referral network to generate and nurture new client opportunities.
• Maintain high standards of advice quality while managing a constant flow of leads from the wider Lloyds Banking Group.

Qualifications

• Level 4 Diploma qualified (Chartered / Level 6 welcome but not essential).
• Strong track record of delivering holistic financial advice.
• Experience building lasting client relationships and generating repeat/referral business.
• Confidence in conducting client meetings and creating tailored financial plans.
• Strong understanding of regulatory requirements, including Consumer Duty.
• Experience using cashflow modelling to support robust advice recommendations.
• Knowledge of the Senior Managers and Certification Regime and willingness to comply with enhanced regulatory duties, including annual certifying of fitness and propriety.

Benefits and Compensation

• Competitive salary (£65,000 - £80,000+ depending on experience) plus uncapped performance‑related bonus.
• Constant leads and referrals from one of the UK’s largest client ecosystems.
• Uncapped bonus structure designed to reward conversion of opportunities into long‑term client value.
• Career development support and additional qualification pathways within a transparent progression structure.
• Flexible work arrangements: manage your own schedule, predominantly working from home, with the option to meet clients at their homes or at one of our hub locations.
• Exceptional benefits: 30 days holiday, private medical, life insurance (among others) and a matched pension up to 21% (6% from you, 15% from us).

Equality, Diversity and Inclusion

We embrace individuality and diversity of identity, experience, and thought. We actively strive for inclusive behaviours and actions, making appropriate adjustments for disabilities, health conditions and neurodiversities. We ensure equal opportunities for all and transparently report on gender pay to promote fairness.