Financial Adviser

Lync Wealth Management; Bath; On-site; GBP 55,000 - 95,000; Full time

Job summary

Lync Wealth Management is seeking an employed Financial Adviser for our Bath office. You will deliver holistic financial planning to existing and prospective clients, aligned with CF30 FCA authorisation, with paraplanning and admin support provided.

Join a nationwide group of practices committed to regulatory compliance, client outcomes, and ongoing CPD as you build personalised financial roadmaps for private clients with typically £12m AUA.

Qualifications

• Hold minimum Level 4 Diploma
• Preferably CAS for a minimum of 1 year
• Additional qualifications such as Long Term Care/Cemap are an advantage
• Have achieved or be working towards Certified and/or Chartered Financial Planning status

Responsibilities

• Provide financial services advice aligned with CF30 FCA authorisation, ensuring the advice is comprehensive, accurate, and tailored to the individual needs of the clients.
• Develop personalised financial plans and strategies to help clients achieve their short-term and long-term financial goals.
• Develop and maintain strong relationships with private clients, average AUA £12m and providing tailored financial advice that aligns with clients' financial goals, values, and objectives.
• Uphold and operate within the FCA’s definition of independence, ensuring all advice is unbiased, transparent, and in the best interest of the clients.
• Ensure all recommendations comply with regulatory requirements and maintain thorough records of client interactions and advice provided.
• Conduct detailed financial planning assessments, identifying clients’ needs and offering solutions such as investments, pensions, protection and estate planning.
• Regularly review and adjust clients' portfolios based on their changing needs, financial goals, and market conditions.
• Engage in Continuing Personal Development (CPD) and training to stay abreast of industry knowledge, regulatory changes, and emerging financial products/services.
• In this role, it's essential that you consistently follow the FCA's Consumer Duty principles. You're expected to act in good faith, prevent potential harm, and actively support our customers in achieving their financial goals.

Skills

Relationship building

Communication skills

FCA rules

Client advisory

Time management

Attention to detail

Education

Level 4 Diploma

CAS

Certified/Chartered status

Job description

About the Company

Lync Wealth Management is a nationwide group of financial advice practices. We combine the expertise of highly experienced financial advisers, with the regulatory support of our advice network Lyncombe Consultants. At the core of our approach is a deep commitment to truly getting to know our clients – their aspirations, fears, and the unique circumstances that shape their journey. We take the time to understand our clients’ short-term needs and long-term dreams. Whether it’s saving for a child’s education, buying your dream home, starting a business, or planning for a comfortable retirement, we’re here to guide them every step of the way. Together, we collaboratively craft a personalised financial roadmap and regularly manage the route to ensure they remain on track to meet their goals.

About the Role

As a CF30 FCA authorised Financial Adviser for Lync Wealth Management, the individual will provide comprehensive financial services advice to our clients, including financial planning to both existing and prospective clients. You will represent Lync Wealth Management and be responsible for delivering the best possible client outcomes, providing holistic advice and implementation on a wide range of financial strategies. An opportunity has arisen for an employed adviser in our Bath office due to gaining a bank of around 50 households. This is a Restricted advice firm with a long history within the Bath and surrounding areas. Paraplanning and administration support will be provided.

Responsibilities

• Provide financial services advice aligned with CF30 FCA authorisation, ensuring the advice is comprehensive, accurate, and tailored to the individual needs of the clients.
• Develop personalised financial plans and strategies to help clients achieve their short-term and long-term financial goals.
• Develop and maintain strong relationships with private clients, average AUA £12m and providing tailored financial advice that aligns with clients' financial goals, values, and objectives.
• Uphold and operate within the FCA’s definition of independence, ensuring all advice is unbiased, transparent, and in the best interest of the clients.
• Ensure all recommendations comply with regulatory requirements and maintain thorough records of client interactions and advice provided.
• Conduct detailed financial planning assessments, identifying clients’ needs and offering solutions such as investments, pensions, protection and estate planning.
• Regularly review and adjust clients' portfolios based on their changing needs, financial goals, and market conditions.
• Engage in Continuing Personal Development (CPD) and training to stay abreast of industry knowledge, regulatory changes, and emerging financial products/services.
• In this role, it's essential that you consistently follow the FCA's Consumer Duty principles. You're expected to act in good faith, prevent potential harm, and actively support our customers in achieving their financial goals.

Qualifications

• Hold minimum Level 4 Diploma
• Preferably held CAS for a minimum of 1 year
• Additional qualifications an advantage e.g. Long Term Care/Cemap
• Have achieved or be working towards Certified and/or Chartered Financial Planning status

Required Skills

• Relationship building skills in order to rapidly establish a high level of trust with the clients, both in terms of professional and personal competence and trustworthiness
• Comply with the following at all times:
• FCA Rules and Principles
• FCA Statements of Principle for Approved Persons
• The principles of Treating Customers Fairly
• Senior Managers Certification Regime
• Compliance and relevant Procedures Manual
• The Money Laundering Regulations and internal Anti-money Laundering Procedures
• Ability to analyse financial data, market trends, and investment products to make informed recommendations.
• Exceptional verbal and written communication skills to effectively convey complex financial concepts and advice.
• Detail-oriented with excellent organisational and time-management skills.
• Ability to manage multiple clients, tasks, and priorities effectively

Preferred Skills

• Experience in pensions, investments, trusts, tax and IHT planning
• Commercial awareness in order to identify appropriate target segments and lists, and to profile prospects appropriately.
• Comprehensive knowledge of financial planning, investment strategies, and various financial products and services.
• Experience in administration, research and advice across life, investment and pension products; pooled investment vehicles, the use of bonds, onshore and offshore, life and other protection plans; retirement income planning.
• Have Wealth Management experience in areas related to the IFA market, or from an IFA background in a client-facing role
• Thorough knowledge of FCA regulations, industry standards, and compliance requirements.
• Awareness of current market trends, economic indicators, and developments in the financial industry.

We believe that diverse teams drive innovation and better outcomes. We are committed to fostering an inclusive environment where every individual feels valued, respected, and empowered to bring their authentic self to work. We encourage applications from people of all backgrounds and experiences.