Personal Wealth Adviser

Lloyds Wealth; Wolverhampton; Hybrid; GBP 65,000 - 80,000; Full time

Benefits offered by this job

30 days holidays

Private Medical

Life Insurance

Pension matched up to 21%

Job summary

Lloyds Wealth is seeking an experienced Personal Wealth Adviser in Wolverhampton. You will deliver holistic, client-led financial advice to new and existing clients, using cashflow modelling to tailor plans and working both face-to-face and virtually.

You’ll benefit from constant client leads within the Lloyds Banking Group, flexible hybrid working, and a strong progression path with uncapped bonus potential.

Qualifications

• Level 4 Diploma in Financial Advice (Chartered Level 6 welcome).
• Proven track record delivering holistic financial advice.
• Strong client relationships and referral-building skills.

Responsibilities

• Deliver holistic financial advice to clients face-to-face and virtually.
• Use cashflow modelling to support recommendations.
• Onboard and service a growing client book with a service-led approach.

Skills

Level 4 Diploma

Cashflow modelling

Client relationships

Regulatory knowledge

Consumer Duty

Education

Level 4 Diploma in Financial Advice

Tools

Cashflow tools

Job description

Location | Wolverhampton & The Black Country (hybrid)

Type | Permanent

Salary | £65,000 - £80,000+ (depending on experience) plus uncapped performance-related bonus

Closing Date 25/09/2026

An exceptional opportunity for experienced advisers — combining the scale of the UK’s biggest banking group, unmatched client access and the autonomy to deliver holistic advice. At Lloyds Wealth you’ll join a business with the reach, referral strength and investment in advice to help established advisers grow a substantial client book without starting from scratch.

The role

As a Personal Wealth Adviser, you believe that financial planning starts by understanding each client’s unique story, their goals and the life they want to build. You’ll deliver holistic, client-led financial advice to new and existing clients, both face-to-face and virtually, taking the time to build a personalised financial plan that reflects their aspirations and adapts as their life evolves. We’ll expect you to use cash flow modelling and financial planning tools to provide clear, insightful advice.

This is not a cold-start position. You’ll have the backing of the largest banking group in the UK as you utilise a range of business development strategies and expertise to proactively explore the market to onboard new clients, including servicing a constant flow of leads from the wider Lloyds Banking Group, without sacrificing the quality of advice. You’ll be supported by robust systems and infrastructure so you can spend more time advising clients.

Why join us?

• Constant leads and referrals. Access one of the UK’s largest client ecosystems. Lloyds Banking Group has a retail footprint in almost every local market in the UK, resulting in a constant stream of leads and referrals to the Wealth business.
• Uncapped bonus. Our uncapped bonus structure is designed to reward advisers who convert opportunity into long-term client value.
• Career Development. We’ll support your ongoing development and additional qualifications within our transparent structure with clearly defined progression pathways.
• Flexibility. You’ll manage your own schedule, predominately working from home, meeting with clients at their homes or at one of our hub locations.
• Exceptional benefits. 30 days holidays, Private Medical, Life Insurance (among others) and a matched pension up to 21% (6% from you, 15% from us)

What You’ll Bring

• Level 4 Diploma qualified (Chartered / Level 6 welcome but not essential)
• A strong track record of delivering holistic financial advice
• Experience building lasting client relationships and generating repeat/referral business
• Confidence in conducting client meetings and creating tailored financial plans
• Strong understanding of regulatory requirements, including Consumer Duty
• Experience using cashflow modelling to support robust advice recommendations

Lloyds Wealth operates under the Senior Managers and Certification Regime as a solo-regulated firm and if this role is classed as a Certified Role under that regime you will be subject to enhanced vetting and will have a number of additional conduct and regulatory duties to adhere to, as well as certifying at least annually that you are fit and proper to perform this role.

We support flexible working

We know how important it is to be able to achieve a balance. We want to support your lifestyle as well as meeting our business needs, so will always aim to be flexible. Many colleagues work from home, or in a hybrid way.

You belong here

We embrace individuality and diversity of identity, experience, and thought. We actively strive for inclusive behaviours and actions, making appropriate adjustments for disabilities, health conditions and neurodiversities. We ensure equal opportunities for all and transparently report on gender pay to promote fairness.