Senior Financial Planner

About the role

You will take ownership of a substantial client bank worth approximately eighty million pounds in assets under management, driving its growth and refinement through proactive relationship management. You will operate as the primary trusted advisor to a portfolio of demanding clients, translating complex financial situations into clear, confident, and compliant strategies. This position requires you to exercise significant autonomy in making high-quality recommendations that directly shape client outcomes and long-term wealth objectives. You will work in close collaboration with specialist paraplanning and client services partners to ensure every client interaction is backed by rigorous analysis and seamless execution. The role grants you the authority to influence the strategic direction of client portfolios while adhering to the highest standards of regulatory governance. You will be instrumental in identifying new opportunities within existing relationships, deepening client engagement, and securing the future sustainability of the advice provided. Success in this position will be defined by your ability to balance sophisticated financial planning with practical, client-centric solutions that deliver measurable peace of mind. You will contribute to the broader reputation of the Edinburgh office by maintaining a pipeline of high-quality referrals and demonstrating the value of advice-led growth.

Key facts

What you'll do

Conduct in-depth reviews of client financial circumstances to construct holistic pictures of current and future objectives.

Develop sophisticated retirement income strategies that balance sustainability, flexibility, and tax efficiency for diverse client needs.

Design comprehensive employee benefit structures that enhance workforce value and align with corporate governance standards.

Analyse complex wealth scenarios to identify optimal solutions for inheritance tax mitigation and long-term asset preservation.

Produce clear, jargon-free financial planning reports that communicate intricate strategies to clients in an accessible manner.

Coordinate closely with specialist paraplanning teams to validate assumptions and ensure the highest accuracy in modelling outcomes.

Build and maintain strong referral relationships with professional intermediaries to expand the quality pipeline of potential clients.

Monitor ongoing portfolio performance and recommend timely adjustments in response to changing market conditions and personal milestones.

Champion the adoption of new technology and data insights to improve the efficiency and accuracy of administrative workflows.

Act as a subject matter expert within the regional network, providing guidance to colleagues on complex planning challenges and regulatory updates.

Implement rigorous quality assurance processes to minimise risk and ensure all recommendations meet regulatory compliance standards.

Lead client workshops and educational sessions to enhance financial literacy and foster long-term engagement within the client community.

Utilise advanced cashflow modelling techniques to test various scenarios and illustrate the potential outcomes of different strategic decisions.

Serve as a trusted point of contact for clients during major life events, providing stability and expert counsel when it is needed most.

Requirements

You must hold a relevant professional qualification in financial planning or a closely related discipline.

You must possess a proven track record of at least five years in financial planning, with demonstrable experience in retirement and employee benefits.

You must have experience managing a substantial portfolio of assets, reflecting a history of responsibility and sound judgment.

You must hold a full driving licence and be willing to travel between regional offices and client locations as required.

You must be authorised to work in the United Kingdom without restriction.

You must have an in-depth understanding of current UK financial regulations and the principles of financial advice.

You must demonstrate a commitment to ongoing professional development and compliance standards.

You must possess strong analytical skills and the ability to interpret complex financial data to inform decision-making.

Nice to have

Experience with sophisticated cashflow modelling software and advanced pension transfer analysis.

Knowledge of defined benefit pension schemes and the nuances of annuity and drawdown options.

Familiarity with technology-driven advice platforms and digital client communication tools.

Understanding of corporate governance frameworks and the specific needs of business owners.

Practical notes

This is a hybrid role, with time spent in the Edinburgh office and meeting clients locally.