Financial Advisor - Wealth & Protection

rag-talent; Gauteng; Remote; ZAR 270,000 - 330,000; Full time

Benefits offered by this job

R25 000 stipend for 2 months

Uncapped commission

Transition allowance

Back-office support

Franchise office access

Wellness programme

Regional events

Job summary

rag-talent in South Africa is seeking self-motivated Financial Advisors to join its expanding national network. You will assess clients' protection and investment needs, provide sound financial advice, and implement tailored solutions while working remotely or from local franchise offices.

The role involves networking, onboarding clients, and maintaining regulatory compliance under the FSP license, with a guaranteed stipend for initial months and generous uncapped commissions thereafter.

Qualifications

• Matric is required for employment.
• RE5 qualification is essential.
• FSB recognised qualification or credits compatible with first industry appointment.
• Must meet FAIS Fit and Proper criteria.

Responsibilities

• Conduct comprehensive financial needs analyses to identify client protection, investment, and lifestyle requirements.
• Provide holistic financial advice and recommend wealth and risk products from the company portfolio.
• Generate new business leads through active networking and prospecting.
• Build and manage client relationships for long-term goal alignment and account retention.
• Seamlessly onboard new clients and integrate existing books into the franchise system.
• Maintain regulatory compliance under the FSP license.

Skills

Life insurance sales

Client networking

Regulatory compliance

Relationship management

Education

Matric / Grade 12 / NQF 4

RE5 qualification

FSB recognised qualification

Tools

XPLAN (Goal Development Module)

Microsoft Excel

Job description

An established financial services franchise network is seeking self-motivated Financial Advisors to join its growing national distribution network. Operating within an entrepreneurial environment, successful candidates will empower clients to achieve their long-term financial goals by identifying their protection and investment needs, delivering sound financial advice, and implementing tailored financial solutions. This opportunity offers full flexibility to work remotely or utilise local franchise office facilities. Working hours are standard full-time hours (typically 08:00 to 17:00, Monday to Friday), with the schedule flexibility required to meet client availability and manage networking activities.

Key Responsibilities

• Conduct comprehensive financial needs analyses using advanced planning systems to identify client protection, investment, and lifestyle requirements.
• Provide holistic financial advice and recommend appropriate wealth and risk products from an extensive, market-leading product portfolio.
• Generate new business leads through active networking, relationship building, and strategic client prospecting.
• Build and manage ongoing relationships with client portfolios to ensure long-term goal alignment and account retention.
• Seamlessly onboard new clients and integrate existing client books into the franchise system.
• Maintain full regulatory compliance while operating under the organisation’s corporate Financial Services Provider (FSP) license.

Requirements

• Senior Certificate (Matric / Grade 12 / NQF 4).
• Minimum of 24 months of proven life insurance sales experience.
• Must meet full FAIS Fit and Proper criteria.
• Regulatory Examination 5 (RE5) qualification is essential.
• Completed Financial Services Board (FSB) recognised qualification (or requisite credits relative to first date of industry appointment).
• Class of Business (COB) training completed (where applicable prior to appointment).
• Valid driver’s license and reliable personal transport.

Preferred Qualifications

• Established client portfolio or personal book of business eligible for migration.
• Proven track record in holistic financial planning, investment solutions, and long-term risk advisory.

Required Software Skills

• XPLAN (specifically Goal Development Module exposure)
• Astute Microsoft Office / Excel

Compensation & Benefits

• R25 000 stipend per month for 2 months only, thereafter commission only.
• Uncapped commission structure with the potential to earn 100% commission rates without corporate income ceilings.
• Potential settling allowance payable over a defined transition period.
• Full back-office, administrative, technical, and compliance support.
• Access to operational office infrastructure and lead generation opportunities.
• Operating under the company's established FSP license (no Key Individual registration required).
• Comprehensive onboarding programme with continuous professional development and system training.
• Employee Wellness Programme access.
• Annual regional recognition events and international offshore incentive conventions.