Financial Advisor in Hertford

A growing Financial Planning business is in search of a Financial Adviser to join their thriving business. Join a business with integrity where clients remain at the heart of the mission rather than products.

Main Purpose & Scope

The Financial Adviser is responsible for providing clients with holistic, tailored financial advice that helps them achieve financial objectives. The role involves building and maintaining strong client relationships, undertaking detailed fact‑finding, analysing client needs, recommending appropriate financial planning and investment solutions in line with FCA regulations and company policies. The adviser will manage a portfolio of new and existing clients, delivering high‑quality service and advice across areas such as retirement planning, investments and protection strategies. Working closely with paraplanners, administrators, and compliance, the Financial Adviser ensures that all recommendations are informed, compliant, and clearly communicated to clients.

Duties

• Client Acquisition
  • Identify, develop, and manage new client opportunities through networking, referrals, and business development activities.
  • Conduct detailed fact‑finding with prospective clients to understand their financial circumstances, needs, and objectives.
  • Gather and analyse financial information and ensure accurate input into the CRM database.
  • Present clear, tailored financial planning solutions in line with company values and FCA requirements.
  • Maintain accurate client records and documentation.
• Existing Clients
  • Manage and maintain a portfolio of clients, delivering ongoing financial planning advice and reviews.
  • Conduct regular review meetings, preparing performance data and ensuring client objectives remain on track.
  • Implement agreed actions, including portfolio rebalancing, updating risk profiles, and making changes to financial plans.
  • Provide technical guidance and support to clients, including use of the Investor Portal.
• Technical Research & Reporting
  • Work with paraplanners to ensure suitability reports and supporting documentation accurately reflect client needs and adviser recommendations.
  • Ensure all correspondence, fee proposals, and follow‑up materials are accurate, compliant, and client‑focused.
• Regulatory Compliance
  • Ensure all client advice, recommendations, and documentation comply with FCA regulations and internal policies.
  • Take ownership for maintaining high standards of ethical and compliant practice.
  • Collaborate with the Compliance Officer to ensure audit readiness and adherence to regulatory standards.
• Client Communication
  • Build and maintain long‑term relationships with clients, acting as their primary financial planning contact.
  • Communicate complex financial concepts clearly and confidently, ensuring clients understand recommendations and decisions.
• Teamwork & Collaboration
  • Work closely with paraplanners and administrators to ensure the advice process is efficient and client‑focused.
  • Support the development of junior staff or trainees through mentoring and guidance where appropriate.
• Professional Development
  • Maintain up‑to‑date knowledge of financial products, legislation, and best practice.
  • Complete CPD requirements and maintain relevant industry qualifications (minimum Level 4 Diploma, with progression toward Chartered status desirable).

Skills and Experience

• Experience and Knowledge
  • Proven experience in providing regulated financial advice, with strong understanding of financial planning principles, products, and investment solutions.
  • In‑depth knowledge of FCA regulations, compliance requirements, and reporting.
  • Demonstrated success in delivering tailored financial planning advice.
  • Proficient in the use of financial planning tools, cash‑flow modelling software, and CRM systems.
• Skills
  • Strong analytical and problem‑solving skills with the ability to interpret complex financial data and present practical solutions.
  • Excellent organisational skills with a high level of accuracy and attention to detail.
  • Strong time management and prioritisation, and ability to meet deadlines.
  • Exceptional written, verbal, and numerical communication skills, able to explain technical and complex information in a clear, client‑friendly manner.

Salary and Benefits

• £60,000 – £65,000
• Annual bonus based on company performance
• Hybrid flexible working structure (1 day per week at home)
• Health cover
• 5% pension contribution
• 25 days holiday (inc. bank holidays)
• 35 hour week