At a Glance
- Tasks: Provide expert financial advice on complex protection and inheritance tax planning for high-net-worth clients.
- Company: Join a leading firm focused on strategic financial solutions for ultra-high net worth individuals.
- Benefits: Competitive salary, professional development, and the chance to work with top-tier professionals.
- Other info: Opportunity for significant career growth in a consultative, non-sales environment.
- Why this job: Transform your career by tackling intricate financial challenges and making a real impact.
- Qualifications: Experience in financial planning, particularly with high-value cases and a Level 4 Diploma.
The predicted salary is between 60000 - 80000 £ per year.
HNW / UHNW Financial Adviser (IHT protection planning)
Do you thrive on the technical side of financial planning the cases where a simple term policy just won't cut it?
We're looking for an experienced protection specialist to join our team, working with high and ultra-high net worth clients (typically £10m+ estates) on some of the most technically complex protection and inheritance tax planning cases in the market.
This isn't a volume driven sales role.
It's a consultative, advice led position for someone who enjoys getting into the detail - trust structures, cross-border estates, large sum assured cases, and genuinely complex underwriting.
Responsibilities: You'll act as the protection specialist within a HNW advisory team, working alongside solicitors, accountants, and private bankers to design solutions that fit into much bigger financial and tax planning pictures.
Think IHT liquidity planning, estate equalisation, trust-based protection, and business protection for owner-managers - often layered with cross-border or non-UK domicile complexity.
You'll own cases from the first conversation through to placement, working closely with our inhouse underwriting team to negotiate terms with insurers on high-value, technically demanding risks.
Experience required: Solid background in advised protection or financial planning, ideally with exposure to £5m+ sums assured Comfortable operating in a professional introducer environment - you've worked alongside solicitors, accountants, or similar advisers before Experience with IHT planning, business owners, or landed estate/farming clients is a strong plus Level 4 Diploma in Regulated Financial Planning as a minimum.
Genuinely curious about technical problem-solving, and confident explaining complex strategies - and sensitive topics like medical underwriting - in a way clients and introducers can actually follow Why this role: If you want to move beyond transactional protection sales and into genuinely strategic, high-value planning work, with real ownership of complex cases and direct access to a network of top-tier professional introducers.
This is a rare opportunity to specialise at the top end of the market.
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