Financial Planner

SUMMARY

Minimum qualification Level:
Level 4 Diploma in Financial Planning (essential)

Salary:
Dependent upon experience + discretionary performance bonus

Employment Type:
Full-time (37.5 hours per week)

Location:
Midlands based with scope to travel

Reporting to:
Directors

ABOUT US

42 Wealth Management is a next-generation wealth management firm dedicated to helping individuals and families align their financial resources with their life goals. We go beyond portfolio management, focusing on holistic planning which integrates investment strategy, tax efficiency, estate consideration, and risk management. We are committed to leveraging technology to deliver transparent, personalised, and proactive advice.

ROLE OVERVIEW

The financial planner will be a primary point of contact and trusted advisor for a cohort of high-net-worth clients. This role requires a blend of technical expertise in financial planning, exceptional interpersonal skills, and a genuine passion for guiding clients through complex financial decisions. The financial planner is responsible for developing, implementing, and maintaining comprehensive, goals-based financial plans.

KEY RESPONSIBILITIES

Client relationship management

• Build strong, long-term relationships with clients, acting as their principal financial planner and educator.
• Hold regular planning meetings to review objectives, revise assumptions, and present updated financial projections.
• Act as the central coordinator for the client's financial affairs, liaising with external professionals (accountants, solicitors) to ensure cohesive advice.

Comprehensive financial planning

• Gather and analyse complex client financial data, including income, assets, liabilities, insurance, and existing legal documents (wills, trusts).
• Design and deliver customised financial plans covering core areas:

Retirement modelling and cash flow analysis.

Advanced tax planning and tax-efficient distribution strategies.

Estate planning review and recommendations.

Risk management (insurance needs analysis).

Education funding and charitable giving strategies.

• Utilise financial planning software (e.g CashCalc,Defaqto) to model various scenarios and illustrate trade-offs.

Investment strategy and implementation

• Work closely with the investment committee or portfolio managers to align client portfolios with their risk tolerance, liquidity needs, and plan objectives
• Clearly articulate investment rationale, market performance, and strategy adjustments to clients.
• Facilitate the account opening and transition process for new clients.

Business development and firm growth

• Participate in new business acquisition by presenting the firm's planning value proposition to prospects.
• Assist in creating educational content (articles, webinars) to enhance the firm's brand presence.
• Maintain a high standard of compliance, documentation, and regulatory adherence.

REQUIRED SKILLS AND EXPERIENCE

• Level 4 Diploma in Regulated Financial Planning (essential)
• Excellent communication skills and a genuine desire to help people achieve financial wellbeing
• Strong ethical standards and a client-first mindset
• Self-motivated, proactive, and eager to build a successful career in wealth planning
• Chartered or working toward chartered status is a plus, but not essential

PERSONAL ATTRIBUTES

• Strong interpersonal skills with the ability to build and maintain trusted relationships.
• A collaborative, team-oriented mindset.
• Positive, proactive, and approachable attitude.
• Commitment to continuous professional development and improvement.