Financial Adviser - Bath

Lync Wealth Management Limited; Bath; On-site; GBP 60,000 - 90,000; Full time

Job summary

Lync Wealth Management is recruiting a financially astute adviser in Bath to deliver comprehensive, CF30-compliant financial planning and implementation for existing and prospective clients.

In this employed adviser role, you’ll work from our Bath office with paraplanning and admin support, developing tailored plans and maintaining robust client relationships while staying aligned with FCA independence standards.

Qualifications

• Experience in pensions, investments, trusts, tax and IHT planning.
• Commercial awareness to profile prospects and target segments.
• Comprehensive knowledge of financial planning, investments and financial products/services.
• Knowledge of wealth management and IFA market dynamics.

Responsibilities

• Provide financial planning advice aligned with CF30 authorisation.
• Develop personalised financial plans and strategies for clients.
• Build and maintain relationships with private clients (average AUA £12m).
• Ensure advice is unbiased, compliant with regulatory requirements.
• Maintain thorough records of client interactions and advice provided.
• Conduct detailed financial planning assessments and offer solutions (investments, pensions, protection, estate planning).
• Periodically review and adjust client portfolios.
• Engage in CPD and stay updated on regulatory changes and products.
• Adhere to FCA Consumer Duty principles and act in customers' best interests.

Skills

Pensions

Investments

IHT planning

Regulatory compliance

Client relationships

CPD

Education

Level 4 Diploma

CAS (1 year)

Certified/Chartered Financial Planning status

Job description

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.

About You

Knowledge

• 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.
• E x p e ri e n c e i n a d m i n i s tractio n, r e s e a r c h a n d a d v i c e a c r o s s li f e, i n v e s t m e n t a n d p e n si on p r o d u c t s ; p o o l e d i n v e s t m e n t v e h i c l e s , t h e u s e o f b o n d s , o n s h ore a n d o f f s h o r e, l i f e a n d o t h e r p r o t e c t i on p l a n s ; r e t i r e m e n t i n c o m e p l a n n i n g.
• Ha v e Wealth Management exp er i e n c e i n areas r e l at e d t o t h e I FA m ar k e t, or f r o m an IFA b a c k ground i n a c l i e n t - f a c i ng ro l e
• Thorough knowledge of FCA regulations, industry standards, and compliance requirements.
• Awareness of current market trends, economic indicators, and developments in the financial industry.

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
• Ha v e a c h i e v ed or be w or k i ng t o wards Cer t i f i ed a n d /or Ch a r ter e d F i n a n c i al P l a n n i ng s ta t u s

Skills/Other relevant information

• 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
• Co m p l y w i th t he f o l l o w i ng a t a l l t i m e s :
  • FCA R u l e s a n d P ri n c i p l e s
  • FCA S ta t e m e n ts of P r i n c i p l e f or A p pr o v e d P er s o n s
  • T he pr i n c i p l e s of T r e a t i ng Cu s to m ers Fa i rl y
  • Senior Managers Certification Regime
  • Co m p li a n c e and relevant Procedures M a n u a l
  • T he M o n e y L a u n d e ri ng Re g u l at i o n s a n d i nt e r n al A n t i - m o n e y L a u n d e r i ng P r o c ed ure s
• 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.

About Us

Lync Wealth Management is a nationwide group of financial advice practices.

We combine theexpertiseof 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. Whetherit’ssaving for a child’s education, buying your dream home, starting a business, or planning for a comfortable retirement,we’rehere to guide them every step of the way.

Together, we collaboratively craft a personalised financial roadmap and regularly manage the route to ensuretheyremainon track to meettheirgoals.