Independent Financial Advisor

• Adhere to FCA Individual Conduct Rules:
  
  • Act with integrity.
    
  • Exercise due care skill and diligence.
    
  • Maintain openness and cooperation with regulators.
    
  • Prioritize customer interests and treat them fairly.
    
  • Follow proper standards of market conduct.
    

RoleSpecific Responsibilities:

• Have detailed knowledge of FCA rules concerning pensions investments estate planning and protection advice.
  
• Comply with the Financial Services and Markets Act 2000 FCA Principles and Individual Conduct Rules.
  
• Conduct Know Your Customer (KYC) inquiries and gather sufficient information to provide suitable advice.
  
• Accurately analyze client data and research appropriate investment options on an independent wholemarket basis.
  
• Present suitable advice clearly including charges disadvantages and reasons for recommendations.
  
• Complete all documentation thoroughly and in line with FCA guidance.
  
• Provide ongoing advice on personal pensions ISAs GIAs and bond investments.
  
• Monitor client portfolios according to investment objectives and risk profiles.
  
• Build and maintain strong relationships with clients and intermediaries.
  

Client Management:

• Develop new client relationships through direct contact referrals or intermediaries.
  
• Maintain regular communication and reporting with clients and intermediaries.
  
• Make formal presentations to investors on products and services as required.
  
• Monitor portfolio performance and ensure alignment with client objectives and industry benchmarks.
  
• Implement antimoney laundering procedures when opening new accounts.
  
• Ensure all client information is accurately recorded and maintained.
  

Compliance Risk Governance and Legal:

• Act in accordance with FCA s Statements of Principles and Code of Practice for Approved Persons.
  
• Manage risk within the area of responsibility to prevent errors and breaches.
  
• Adhere to client mandates compliance procedures and FCA and HMRC rules.
  
• Meet responsibilities outlined in the Disaster Recovery Plan.
  

Project Management:

• Identify areas for development or efficiency improvements and propose action plans.
  
• Actively contribute to projects and initiatives as required.
  

Continued Professional Development (CPD):

• Ensure relevant CPD is undertaken to maintain competence in the role and apply learning to the workplace.
  
• Manage career development and training in consultation with your line manager.
  
• Maintain uptodate knowledge of the industry competitors and group products/services.
  
• Maintain industryrequired qualifications and CPD to meet regulatory standards.
  

Requirements

Job Requirements:

• APFS or ACII or equivalent (E)
  
• Proven Experience as a FCA Approved Wealth Manager
  
• Working knowledge of FCA and HMRC regulations
  
• Having a passion for the IFA side rather than the admin/compliance
  
• Interpersonal skills
  
• Proven ability to deal with high profile clients
  
• Negotiation and presentation skills
  
• Analytical and investment skills
  
• Accuracy and attention to detail
  

Benefits

• Pension
  
• Commission
  
• Bonus Structure: Minimum of 2000 a month billed to the business for compliance but 80/20 in favour of the IFA individually
  
• Holiday entitlement decided upon by the candidate Independent working under own decision Pension Scheme statutory Remote option for the candidate