Independent Financial Adviser

JR United Kingdom; London; On-site; GBP 40,000 - 70,000; Full time

Job summary

A prominent financial planning firm in Cardiff seeks an experienced Independent Financial Adviser (IFA) to manage an existing client book. In this role, you’ll provide tailored financial advice to high-net-worth individuals and actively grow your client base through warm referrals and networking. With a competitive salary up to £55,000 and performance bonuses, this opportunity is ideal for someone looking to thrive in a supportive environment.

Benefits

Salary up to £55,000 plus bonuses

Support with professional fees and exams

Employee wellbeing programmes

Local business discounts

Qualifications

• Proven experience advising high-net-worth clients across financial planning areas.
• Strong regulatory knowledge and understanding.
• Additional financial planning qualifications are a plus.

Responsibilities

• Deliver personalized financial advice covering various aspects of finance.
• Build and maintain long-term client relationships.
• Develop new business opportunities through referrals.

Skills

Client-first mindset

Interpersonal skills

Technical knowledge

Regulatory understanding

Education

Level 4 Diploma in Financial Planning

SPS (Statement of Professional Standing)

Chartered Financial Planner or CFP

Job description

Social network you want to login/join with:

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.