Independent Financial Adviser

JR United Kingdom; Lincoln; On-site; GBP 45,000 - 55,000; Full time

Job summary

A well-established financial planning firm in Cardiff is seeking an Independent Financial Adviser. The role involves inheriting a client book worth £23 million in AUM, and providing holistic financial advice to high-net-worth individuals, along with ongoing support and development opportunities.

Benefits

Salary up to £55,000 (DOE)

Performance-based bonuses

Support with professional fees and exams

Employee wellbeing programs

Discounts with local businesses

Qualifications

• Experience advising high-net-worth clients across various financial areas.
• Strong regulatory understanding and technical knowledge.
• Desire for ongoing professional development in finance.

Responsibilities

• Deliver personalised financial advice on pensions, investments, tax, and estate planning.
• Build and maintain client relationships with regular reviews.
• Develop new business through networking and internal referrals.

Skills

Client-first mindset

Interpersonal skills

Technical knowledge

Education

Level 4 Diploma in Financial Planning (DipPFS or equivalent)

SPS (Statement of Professional Standing)

Chartered Financial Planner or CFP

Job description

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An exciting opportunity has arisen for an experienced Independent Financial Adviser (IFA) to join a well-established and highly regarded financial planning team based in Cardiff. This is an integral appointment for a successful firm offering the chance to take over an existing client book and continue to grow through warm internal referrals and your own business development.

The Opportunity:

• Inherit a client book of approximately 100 clients, representing around £23 million in AUM and £100k in recurring income
• Provide high-quality, holistic financial planning advice to high-net-worth individuals
• Work closely with internal departments who generate ongoing client referrals
• Join a firm committed to client outcomes, compliance, and ongoing adviser support

Key Responsibilities:

• Deliver personalised financial advice covering pensions, investments, tax, protection, and estate planning
• Build and maintain long-term client relationships through regular reviews and tailored solutions
• Develop new business opportunities through networking, referrals, and cross-department collaboration
• Ensure all advice and documentation complies with regulatory requirements

What You’ll Need:

• Level 4 Diploma in Financial Planning (DipPFS or equivalent)
• SPS (Statement of Professional Standing)
• Proven experience advising high-net-worth clients across a range of financial planning areas
• Strong technical knowledge and up-to-date regulatory understanding
• A client-first mindset and excellent interpersonal skills
• Additional qualifications such as Chartered Financial Planner or CFP are highly desirable

Benefits Include:

• Salary up to £55,000 (DOE) plus performance-based bonuses
• Client book provided
• Support with professional fees and exams
• Employee wellbeing and assistance programmes
• Discounts with local businesses and other employee perks

This is a unique opportunity to step into a fully supported role with an active client base and ongoing development potential.