At a Glance
- Tasks: Manage and develop a portfolio of private clients, delivering holistic financial planning advice.
- Company: Established independent professional services firm in Central Scotland.
- Benefits: Competitive salary, supportive environment, and opportunities for professional development.
- Other info: Collaborative team culture with excellent career progression opportunities.
- Why this job: Make a real impact on clients' financial futures while growing your career.
- Qualifications: Level 4 Diploma in Regulated Financial Planning and 10 years of experience required.
The predicted salary is between 49500 - 60500 £ per year.
Location: Central Scotland (Edinburgh / Fife region)
Salary: Competitive
Job Purpose
My client is seeking an experienced Senior Financial Adviser to manage and develop an established portfolio of approximately 100-150 private clients, delivering high-quality, holistic financial planning and ongoing wealth management advice. The successful candidate will take ownership of client relationships, providing trusted advice across pensions, investments, retirement planning, protection, tax-efficient savings and estate planning. Working collaboratively with paraplanners, administrators and the firm's accountancy and tax teams, the role will deliver an integrated advisory service that supports clients in achieving their financial objectives while contributing to the continued growth and development of the wealth management business.
About My Client
My client is an established and growing independent professional services firm operating across Central Scotland. The business provides a comprehensive range of accountancy, business advisory, insolvency and wealth management services to individuals, owner-managed businesses, SMEs and larger organisations. With an experienced team of professional advisers, the firm prides itself on building long-term client relationships, delivering clear and practical advice and providing a highly personalised service. The business places considerable importance on its people, offering a supportive working environment alongside opportunities for professional development and career progression.
Key Responsibilities
- Client Advice and Financial Planning: Deliver comprehensive financial planning advice tailored to individual client circumstances and objectives. Advise on pensions, retirement planning, investments, protection, tax-efficient savings and estate planning. Develop and present lifetime cashflow models to support clients' financial decisions. Provide advice on complex planning requirements, including pension accumulation and decumulation, trusts, business succession, business owner exits and inheritance tax mitigation. Consider relevant Scottish and UK legislation, including Scottish income tax, Scots succession and trust law, and UK capital gains and inheritance tax rules. Ensure advice remains appropriate as clients' circumstances and financial objectives evolve.
- Client Relationship Management: Take responsibility for an established portfolio of approximately 100-150 private client relationships. Deliver the firm's ongoing client service proposition, including annual or more frequent review meetings. Act as the primary point of contact for clients, developing trusted, long-term and multi-generational relationships. Maintain high levels of client satisfaction and retention. Identify opportunities to deepen existing relationships and develop additional business through referrals and professional introductions. Build relationships with prospective clients introduced through the firm's accountancy and tax teams.
- Regulatory Compliance and Quality Assurance: Ensure all advice and client interactions comply with FCA regulations, Consumer Duty and internal policies and procedures. Maintain high standards of suitability, fair value, client documentation and record keeping. Work with paraplanners to ensure research, suitability reports and supporting documentation meet regulatory requirements. Maintain accurate and up-to-date client records within the firm's back-office systems. Successfully complete internal file reviews and compliance monitoring. Maintain professional competence through a minimum of 35 hours of CPD annually, including at least 21 hours of structured learning. Demonstrate appropriate judgement when dealing with vulnerable clients and complex advice requirements.
- Teamwork and Business Development: Work collaboratively with paraplanners, administrators, accountants and tax advisers to deliver a joined-up client service. Identify opportunities for integrated financial planning and accountancy advice. Support the development of junior advisers and paraplanners through coaching, mentoring and knowledge sharing. Contribute to investment committee discussions and the ongoing development of the firm's Centralised Investment Proposition. Support the wider commercial objectives and continued growth of the wealth management business.
Qualifications and Professional Requirements
- Level 4 Diploma in Regulated Financial Planning (CII DipPFS) or CISI Level 4 Investment Advice Diploma - Essential
- Current Statement of Professional Standing (SPS) from an FCA-accredited body - Essential
- Satisfactory regulatory and compliance history, with eligibility for certification under the FCA Senior Managers and Certification Regime - Essential
- Chartered Financial Planner (CII/PFS) or CISI Chartered Wealth Manager - Highly desirable
- Certified Financial Planner (CFP) - Desirable
- CII Advanced Diploma units, particularly AF1, AF2, AF3 and AF4 - Desirable
- CII Certificate in Long-Term Care Insurance (CF8) - Desirable
Experience
- Minimum of 10 years' experience providing regulated financial advice within the UK.
- Proven experience managing an established client portfolio of at least 100 households.
- Demonstrable track record of client retention and organic business development through referrals and introductions.
- Experience advising high-net-worth individuals, business owners and retirees on complex financial planning matters.
- Strong experience delivering ongoing financial advice and structured client review programmes.
- Experience working within a Chartered financial planning firm or alongside an accountancy, tax or legal practice would be advantageous.
- Good understanding of the Scottish financial planning market, including Scottish income tax and Scots law relating to succession and trusts.
- Previous experience mentoring, coaching or supervising junior advisers or paraplanners is desirable.
Knowledge, Skills and Competencies
- Technical Financial Planning Knowledge: Strong technical understanding of pensions, investments, protection, tax-efficient investment structures, trusts and inheritance tax planning. Ability to provide holistic advice across multiple areas of financial planning. Up-to-date knowledge of relevant financial services legislation, regulation and taxation.
- Cashflow Modelling and Financial Planning: Confidence using lifetime cashflow modelling tools, such as CashCalc, to support financial planning discussions and recommendations. Ability to interpret modelling outputs and communicate financial planning strategies clearly.
- Client Relationship Management: Excellent interpersonal skills and the ability to establish and maintain trusted client relationships. Confidence dealing with high-net-worth individuals, business owners and families. Ability to manage complex client needs and deliver a consistent, high-quality service.
- Communication: Excellent written and verbal communication skills. Ability to explain complex financial concepts in a clear, accessible and engaging manner. Confidence presenting financial planning recommendations and supporting clients through important financial decisions.
- Commercial Awareness: Understands the importance of client retention, referrals and sustainable portfolio growth. Able to identify opportunities for additional advice while maintaining the highest standards of client service. Commercially aware, with the ability to balance client needs, service commitments and business objectives.
- Regulatory and Professional Judgement: Strong understanding of FCA requirements, Consumer Duty, suitability and fair value. Ability to exercise sound professional judgement.
Senior Financial Advisor in Livingston employer: VERELOGIC LIMITED
Join a dynamic team in County Durham where your expertise as a Quantity Surveyor will be valued and nurtured. Our company fosters a collaborative work culture that prioritises employee growth through continuous training and development opportunities, ensuring you can advance your career while contributing to impactful civil engineering projects in the water and wastewater sector. Enjoy competitive benefits and a supportive environment that encourages innovation and teamwork.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Financial Advisor in Livingston
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
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Don’t shy away from reaching out directly to firms like VERELOGIC LIMITED. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Senior Financial Advisor in Livingston
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to VERELOGIC LIMITED.
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How to prepare for a job interview at VERELOGIC LIMITED
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with VERELOGIC LIMITED.
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Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
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Since this is a full-time position, employers at VERELOGIC LIMITED will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former VERELOGIC LIMITED employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
