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Financial Planner

PPM Financial Planning

Redditch

Hybrid

GBP 45,000

Full time

4 days ago

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Job summary

PPM Financial Planning is seeking a Financial Planner to manage an existing client bank without sales targets. In this role, you will focus on delivering quality advice, conducting client reviews, and benefiting from a supportive team environment. Flexible working and professional development opportunities are offered, including coverage of exam costs to achieve Chartered status.

Benefits

Standard holiday allowance + bank holidays

Additional 2 weeks off over Christmas

Paid leave for exam preparation

Qualifications

Committed to professional development and working towards Chartered status.
Experience in managing client relationships crucial.
Proficient in using financial planning software.

Responsibilities

Conducting four client reviews per week on average.
Preparing client cashflow models and providing meeting summaries.
Working collaboratively with admin and paraplanning teams.

Skills

Client Relationship Management

Financial Planning

Education

Chartered Financial Planner

Tools

Truth software

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As a Financial Planner at PPM Financial Planning you will be responsible for servicing an existing client bank, with no requirement for business development or sales targets. The emphasis is on providing high-quality, ongoing advice and building long-term relationships.

As part of your role, you’ll be expected to carry out the equivalent of four annual client reviews per week on average. In practice, this may mean more activity in peak quarters (typically Q1 and Q3), with quieter spells during the summer and year-end — allowing a natural rhythm to your work throughout the year.

You will be responsible for:

Preparing the client’s cashflow model using Truth software
Conducting the client meeting (in person at our Redditch office or virtually via Zoom/Teams)
Providing a clear, engaging summary to the client post-meeting (this could be a written summary, updated Truth screenshot, or a short addendum)

All other elements — data gathering, producing formal review packs, processing follow-up work, and writing any necessary reports — will be fully supported by our admin and paraplanning team, freeing you up to focus on the client relationship and advice.

When it comes to new business, this is entirely in your hands. If you want to grow your client bank, you’ll receive one-third of any initial advice fees generated. But there are no sales targets or pressure, and no minimum threshold before the fee split applies.

We always encourage our team to bring their own ideas and help shape how we deliver advice — whether that’s improving client experience, introducing new tools or refining our planning process. As a small and agile business, we’re open to evolving how we work — and your input will genuinely make a difference.

Review & Advice Process

Our structure is designed to reduce the admin burden and let you focus on client relationships as well as supporting your appetite for taking on new clients:

An automated workflow via our client portal collects all the initial information from the client(s) via an online Lifestyle Questionnaire ahead of your meeting
Admin will produce a Talking Points document ahead of the meeting summarising the information captured
Prospects follow a 3 meeting onboarding process:
The Life Planning meeting
The Financial Planning meeting
The Advice meeting

Where prospects are brought in by the business owner, there will be the opportunity to refer these to other advisers in the team after the initial Life Planning meeting.

For existing clients you are required to service

The admin team will gather the required data ahead of your Future Planning meeting as well as issuing the formal annual review pack in advance.
Adviser conducts Future Planning meeting and provides summary/write-up (e.g., Cashflow Report or addendum to annual review pack)
Admin processes any follow-up actions (e.g., fund switch, income changes, etc)
Paraplanner prepares report for any new business
Expectation: minimum of 4 client Future Planning meetings per week

Exams

We’re looking for someone committed to professional development and willing to work towards Chartered status as part of their career progression.To assist you, we will cover the costs of exam entries, study materials, and revision courses for first attempts. Additionally, we offer paid leave for the day before each exam to help you prepare. Where possible, we’ll offer flexible working arrangements in the run-up to exams — whether that’s adjusting your hours or easing your meeting schedule — to give you the time and headspace to revise effectively.

Training and Support will include:

Externally:

Certification in Lifestyle Financial Planning (35 hours) – delivered by Inspiring Advisers
Dimensional training:
Foundations Course (for advisers new to Dimensional)
Applied Communications Course (how to communicate effectively with clients)
Applied Business Strategy Workshop (principles and applications of business strategy, including methods for acquiring new clients)

Internally

Moneyinfo Training
Truth Cashflow Planning Training
Study support in pursuing Chartered Status

Working Style

Hybrid Working: Flexibility to work between office and home
Hours: Flexible working to support work/life balance and client needs
Leave:
Standard holiday allowance + bank holidays
Additional 2 weeks off over Christmas when the office closes
Option to purchase additional leave

Remuneration Package

·Base Salary: £45,000 per annum

·Split of Adviser Fees: One-third of the initial advice fee for any new business written, including clients you introduce to the firm or new advice provided to existing clients.

·Annual Performance Review: We carry out an annual review of each adviser’s client relationships, contribution to the firm, and growth of their client bank. Where there is a demonstrable increase in responsibility, client value, or business brought in, this may be reflected through a salary increase or year-end bonus

Annual health screen
Supportive and inclusive team culture
Death in Service

Ownership & Culture

We are in the early stages of moving towards an Employee Ownership Trust (EOT) structure, which means the business will, in future, be owned by the team rather than a single shareholder. This model is designed to reward long-term contribution, align everyone’s interests, and ensure the business remains focused on doing the right thing for clients — not chasing short-term sales.

As an employee-owner you will:

Share in future profits through a potential annual bonus
Have a voice in the direction of the business
Join a culture driven by client service, collaboration and shared success — not sales targets

Seniority level

Seniority level
Entry level

Employment type

Employment type
Full-time

Job function

Job function
Finance and Sales

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