Financial Planner

About the role

You will take ownership of the holistic financial planning journey for a sophisticated client portfolio, ensuring every engagement reflects the highest standards of integrity and insight. You will architect comprehensive financial plans that address retirement, investment strategy, protection, and tax efficiency in alignment with each client's unique objectives. You will act as a trusted advisor, translating complex financial concepts into clear, actionable guidance that empowers clients to make confident decisions. You will leverage a mature client base to identify opportunities for deeper engagement and long-term relationship development. You will collaborate closely with colleagues across the firm to coordinate solutions that meet the evolving needs of high-net-worth individuals and business owners. You will uphold the firm's reputation for excellence by maintaining rigorous compliance standards and demonstrating unwavering professionalism in all client interactions. You will contribute to the organic growth culture of the Chester office by embracing referral networks and delivering consistent, results-driven service. You will play a pivotal role in the next chapter of the firm's expansion, helping to secure its legacy as a respected name in independent financial planning.

Key facts

What you'll do

You will conduct in-depth financial reviews, gathering detailed client data to form a clear picture of current circumstances and future ambitions. You will develop tailored financial planning recommendations, presenting options in a structured and transparent manner that facilitates informed decision-making. You will implement agreed strategies, managing the ongoing administration of portfolios and ensuring all documentation is accurate and up to date. You will monitor client portfolios on a regular basis, proactively identifying changes in circumstances and adjusting plans to maintain alignment with long-term goals. You will coordinate seamless transitions during client handovers, ensuring continuity of service and preserving the integrity of established relationships. You will build strong rapport with clients, taking the time to understand their priorities and communicating updates in a clear, empathetic, and jargon-free manner. You will utilise advanced analytical tools to model scenarios, testing the resilience of plans against market volatility and life-stage changes. You will contribute to the firm's compliance framework, adhering to regulatory requirements and maintaining the highest standards of governance. You will participate in ongoing professional development, staying current with legislative updates and best-in-class planning methodologies. You will support the growth of the client base by nurturing referral relationships and contributing to the firm's established lead generation initiatives.

Requirements

You must hold a recognised financial planning qualification, such as the Level 4 Diploma in Financial Planning or equivalent. You must have demonstrable experience in providing holistic financial planning advice to individuals and families. You must possess a solid understanding of retirement planning, investment strategies, protection solutions, and tax-efficient planning techniques. You must be confident in using financial planning software and cashflow modelling tools to produce accurate, client-friendly outputs. You must have a proven track record of building long-term client relationships and maintaining high levels of satisfaction. You must be fully conversant with current financial regulations and compliance standards relevant to the financial planning profession. You must hold a valid Statement of Professional Standing (SPS) or be eligible to apply for one. You must hold a full UK driving licence and be willing to base your practice primarily from the Chester office.

Nice to have

Experience working with practice management software and CRM systems would be advantageous. Familiarity with the Innes Reid business model and existing client portfolio would be beneficial, though not essential.

Practical notes

The working pattern is full time, with standard office hours applying. Travel within the Chester area may be required as part of client meetings and professional obligations. This role is based in Chester and is not suitable for remote or flexible working arrangements outside of agreed policies. There are no specific visa sponsorship details listed for this position. The opportunity arises following the planned retirement of a long-serving Director, creating a transition window that allows for a considered succession plan. The firm maintains a selective approach to client onboarding, ensuring that the incoming planner can focus on delivering high-quality advice within a stable and well-regarded practice environment.