Senior Financial Adviser

Location: Central Scotland (Edinburgh / Fife region)
Salary: Competitive

1. Job Purpose

My client is seeking an experienced Senior Financial Adviser to manage and develop an established portfolio of approximately 100-150 private clients, delivering high-quality, holistic financial planning and ongoing wealth management advice.

The successful candidate will take ownership of client relationships, providing trusted advice across pensions, investments, retirement planning, protection, tax-efficient savings and estate planning.

Working collaboratively with paraplanners, administrators and the firm's accountancy and tax teams, the role will deliver an integrated advisory service that supports clients in achieving their financial objectives while contributing to the continued growth and development of the wealth management business.

2. About My Client

My client is an established and growing independent professional services firm operating across Central Scotland.

The business provides a comprehensive range of accountancy, business advisory, insolvency and wealth management services to individuals, owner-managed businesses, SMEs and larger organisations.

With an experienced team of professional advisers, the firm prides itself on building long-term client relationships, delivering clear and practical advice and providing a highly personalised service.

The business places considerable importance on its people, offering a supportive working environment alongside opportunities for professional development and career progression.

3. Key Responsibilities

Client Advice and Financial Planning

• Deliver comprehensive financial planning advice tailored to individual client circumstances and objectives.
• Advise on pensions, retirement planning, investments, protection, tax-efficient savings and estate planning.
• Develop and present lifetime cashflow models to support clients' financial decisions.
• Provide advice on complex planning requirements, including pension accumulation and decumulation, trusts, business succession, business owner exits and inheritance tax mitigation.
• Consider relevant Scottish and UK legislation, including Scottish income tax, Scots succession and trust law, and UK capital gains and inheritance tax rules.
• Ensure advice remains appropriate as clients' circumstances and financial objectives evolve.

Client Relationship Management

• Take responsibility for an established portfolio of approximately 100-150 private client relationships.
• Deliver the firm's ongoing client service proposition, including annual or more frequent review meetings.
• Act as the primary point of contact for clients, developing trusted, long-term and multi-generational relationships.
• Maintain high levels of client satisfaction and retention.
• Identify opportunities to deepen existing relationships and develop additional business through referrals and professional introductions.
• Build relationships with prospective clients introduced through the firm's accountancy and tax teams.

Regulatory Compliance and Quality Assurance

• Ensure all advice and client interactions comply with FCA regulations, Consumer Duty and internal policies and procedures.
• Maintain high standards of suitability, fair value, client documentation and record keeping.
• Work with paraplanners to ensure research, suitability reports and supporting documentation meet regulatory requirements.
• Maintain accurate and up-to-date client records within the firm's back-office systems.
• Successfully complete internal file reviews and compliance monitoring.
• Maintain professional competence through a minimum of 35 hours of CPD annually, including at least 21 hours of structured learning.
• Demonstrate appropriate judgement when dealing with vulnerable clients and complex advice requirements.

Teamwork and Business Development

• Work collaboratively with paraplanners, administrators, accountants and tax advisers to deliver a joined-up client service.
• Identify opportunities for integrated financial planning and accountancy advice.
• Support the development of junior advisers and paraplanners through coaching, mentoring and knowledge sharing.
• Contribute to investment committee discussions and the ongoing development of the firm's Centralised Investment Proposition.
• Support the wider commercial objectives and continued growth of the wealth management business.

4. Qualifications and Professional Requirements