Financial Planner Job Description: Top Duties and Qualifications

A Financial Planner, or Financial Adviser is responsible for providing clients with expert financial advice to encourage financial growth and stability. Their duties include recommending pension plans, managing investment portfolios and developing financial forecasts. 


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Financial Planner duties and responsibilities

Financial Planners are primarily responsible for providing their clients with the best financial advice possible. Whether the client is an individual or a large company, the responsibilities largely remain the same, but their day-to-day duties can vary. Their key duties and responsibilities include:  

  • Advising individuals on the best savings accounts, best interest rates and best opportunities to expand their existing wealth through banks and other financial tools
  • Managing client investment portfolios to ensure continued stability and growth of wealth funds
  • Recommending pension plans and retirement schemes on an individual basis and on a company-wide basis
  • Assisting clients to become financially solvent, avoid debt or consolidate existing debts into more manageable payments
  • Analysing finances and providing clients with financial forecasts for the future
  • Keeping informed and up to date on current market trends and predictions
  • Developing relationships to retain clients and grow their client base 
  • Working within the financial laws and regulations of the UK


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Financial Planner Job Description Examples:


Example 1

*Company description* Being highly qualified independent financial planners has given us the privilege of advising on many complex cases; and these kinds of cases need time. Time to get to know our clients. Time to consult with their other professional advisers such as your accountant or solicitor. Time to formulate a suitable plan. Time to communicate this plan to them in a manner in which they are comfortable and can understand, ensuring that they can make an informed decision. But the real time is spent making sure that week on week, month on month, year on year, the plan WORKS. This is achieved by continuously considering how changes to markets, regulation, legislation and taxation affect clients. But also how the unplanned events in their life, both pleasant and unfortunate, will alter these plans. Most importantly our focus rests on how they feel about the plans they have in place and that they remain happy and comfortable with them. Simply put; it's all about the client! So rather than pigeon-holing a client into a set 'client service standard' or sticking to a rigid framework of annual reviews using generic templates as a ‘one size fits all’ solution, what we offer is different: it is bespoke to each client and open to change as their goals progress and change. Therefore, they won't see our fees based on how much they have invested. Instead our monthly retainers reflect exactly how much time they need us to spend managing your affairs and keeping their plans on track. This is the foundation of our advisory practice and our promise to all our clients as their financial planning partner now and in the future. *Job description* A Financial planner at Goals Based Financial Planning will provide clients with advice on financial matters, making recommendations on ways to best utilise their financial resources to put them on a path towards their very specific goals and objectives. They will also help them plan for significant lifetime events that may knock them off course. They will also provide financial education to clients that will allow them to make the right decisions in times when personal or world events are difficult. There will be a variety of tasks that you will undertake in your role to help clients achieve their goals and objectives: Key tasks: * contacting clients and setting up meetings, either within an office environment or in clients’ homes or business premises; * conducting in-depth reviews of clients’ financial circumstances, current provision and future aims; * helping clients understand the nature of their relationship to their finances and help them make decisions in their best interest * help clients establish their goals and objectives where they need guidance * analysing information and preparing plans best suited to individual clients’ requirements; * researching the marketplace and providing clients with information on new and existing products and services; * designing financial strategies to help clients achieve their goals and objectives; * assisting clients to make informed decisions; * researching information from various sources, including providers of financial products; * liaising with other professionals, such as accountants and solicitors; * keeping up to date with financial products and legislation * if not already chartered work towards that professional status Reference ID: GBFP 007 Job Types: Full-time, Permanent Salary: per year Additional pay: * Bonus scheme * Yearly bonus Benefits: * Company pension * Flexible schedule * Profit sharing * Work from home Schedule: * Monday to Friday COVID-19 considerations: We are taking all the necessary precautions to ensure that we can keep everyone as safe as possible and prevent the transmission of Covid 19 Work remotely: * Yes

Example 2

If you are at least a level 4, diploma qualified Adviser and want to live by our principles, then talk to us about joining the team. With offices in Thame, Ashby-de-la-Zouch, Henley-in-Arden, and new offices opening in September in and Winchester, we need the right people to join our team of Financial Advisers. We have openings available across all office locations for experienced Advisers, ranging from diploma qualified to Chartered. As an employed Adviser you know that your basic living costs are covered. When the clients rate the service that you give them as excellent, you will also qualify for bonus, giving you the opportunity to generate realistic earnings of £75,000 in your first year, and significantly more in future years. Unlike most firms we do not expect you to generate your own leads, that’s our job and we do so successfully through our seminar and direct marketing initiatives. Your job is to do the right thing for the client and spend time with them. This is why you will have the backing of our qualified technical department that work on investigation and report writing for you. After all, how can you deliver value to a client and build the relationship with them if you have your nose in a spread sheet. During your first month you will be immersed in our Academy program where you will enhance your technical knowledge, your communication skills, and your understanding about what drives clients. It’s the training you always wanted to have that actually gives you the skills to put the client first and make sure that their future is better than their past. Wills & Trusts is rated 44th in the top 100 firms by the Financial Times Financial and we want the right people to help us climb to number one. If that’s you, we want to hear from you. Gallup recently listed us in the top 97% of places to work in the world, and so check out our team videos on our website. It’ll give you a flavour of what its like to be part of our team. Qualifications CII Level 4 Diploma in Financial Planning (minimum requirement)

Example 3

Overview: Fisher Investments Europe is looking for a motivated Financial Planner to join our growing Private Client Advice group. It is a "hybrid" role that involves providing in person, telephone and written advice to existing Clients of Fisher Investments. The Opportunity: The Private Client Advice group provides regulated financial advice to more than 7,500 existing UK clients. Reporting to a Private Client Advice Team Leader, you will typically work with pensions, ISAs, General Investment Accounts, investment bonds (onshore and offshore) and trusts. There will be opportunities for personal development in the role and the opportunity to become certified within our global asset management firm. The Day-to-Day: Provide ongoing financial advice covering a broad range of topics: Pensions and Retirement Planning - pension contributions, carry forward, lifetime allowance (LTA) planning & drawdown advice. Inheritance tax and Estate Planning. Tax-efficient cash flow strategies using cash-flow analyses. Optimise Investments – Reviewing suitability of investment wrappers. Provide advice to clients over the phone and in writing, with some face-to-face client meetings required as you develop within the role. Your Qualifications: University graduate or equivalent combination of education/experience Level 4 qualified – Diploma in Financial Financial Planning Level 6/Chartered status would be attractive but not essential Genuine desire to provide a high standard of advice and service to clients Manage complexity and coordinate across several departments under strict timelines You are engaging and can connect with a wide array of audiences by phone and email Detailed knowledge of Inheritance Tax Planning and Defined Contribution pensions. Why Fisher Investments Europe: The global Fisher organisation distinguishes itself by putting clients first, providing unmatched service, and taking a personalised approach to investing. You can feel confident knowing that we align with our clients' best interests by using a simple and transparent fee structure and recognised European custodians. It's the people that make the Fisher purpose possible, and to help our employees meet their long-term goals, we offer an array of benefits, including: 100% coverage of the supplemental medical and dental premiums for you and your qualified dependents* 28 days annual leave, increasing to 30 after 5 years of service, with the ability to purchase up to 3 additional days Annual Health Screening for you and your qualified dependents* 9% company pension contribution with an additional company match up to 5% Two Pension Contributions methods to choose from Monthly gym subsidy and Cyclescheme programme Interest-free season ticket loan available for purchase upon six months of employment** Voluntary worldwide business and leisure travel insurance, including winter sports Two Wellness Programmes (free, confidential and available 24/7) Enhanced maternity pay subject to 12-months continuous service A collaborative working environment that practises ongoing training, educational support and employee appreciation events We take great pride in our inclusive culture. We value the different perspectives and unique skills you bring to the team – it makes us all better. Success at Fisher Investments is motivated by results, a collaborative mindset and a commitment to accomplishing great things – so if you are ready to do that, we are ready for you! Apply today to be a part of a team environment where you make a difference in the lives of people by bettering the investment universe. Fisher Investments Europe IS AN EQUAL Opportunity Employer *Employees responsible for any benefit-in-kind taxes as classed by the HMRC *Available only to regular full-time employees with at least a 12-month contract

Example 4

Overview: We are looking for a* Chartered Financial Planner* to contribute in providing our clients with outstanding service including personalised financial planning advice to help meet their needs, ensuring fair client outcomes. In the role you will assist in achieving team target through the efficient servicing of existing clients and attracting new clients to the financial planning service and making introductions to other services within the company. You will promote Punter Southall Aspire both internally and externally to support the development of relationships and proactively support the company’s Conduct Risk framework by following it. We are looking for candidates who have experience of working in financial planning services, in an advisory role and able to demonstrate a client focused approach with the ability to build new business and establish successful client and professional introducer relationships. For further information on the role please click here. We look forward to hearing from you! Location: 4 Winchester Place,North Street, Poole BH15 Job Types: Full-time, Permanent

What does a Financial Planner do?

A Financial Planner is employed for their expert financial knowledge and their experience with financial systems. Financial Planners work with clients, including individuals, businesses and organisations within both the public and private sphere, to develop long-term financial plans. Financial Planners develop financial portfolios for clients and provide specialised recommendations and knowledge that allows clients to better manage their money. Financial Planners assist their clients to create more savings or to produce more profitable financial dealings with other businesses. 


Financial Planner skills and qualifications

A successful Financial Planner candidate will have various prerequisite skills and qualifications such as excellent mathematical and analytical skills and the ability to communicate well with their clients. They also need sound knowledge of the different financial tools that can be used to manage their client’s portfolios, such as different types of pensions or different tax relief schemes.  Their key skills and qualifications typically include:

  • Detailed knowledge of the requirements, restrictions and interest rates of different saving accounts
  • Expertise investing funds into different portfolios in order to spread risk and generate growth
  • Ability to communicate complex financial information to clients in an easy-to-understand manner
  • Ability to produce detailed financial reports and provide analysis on them to clients
  • Ability to spot opportunities for financial growth by identifying new tools or emerging trends in the market 
  • Knowledge of accounting platforms such as QuickBooks or Xero
  • Proficiency working with computer software, particularly programs such as Microsoft Excel or Google Sheets
  • Accounting skills and qualifications from recognised bodies such as the Association of Chartered Certified Accountants 


Financial Planner experience requirements

Financial Planners require at least three years of experience working in a financial role. Experience providing customer service and financial advice is paramount to success as a Financial Planner. Although experience working as a Financial Planner is desirable, employers can consider candidates with experience working in related financial jobs or financial environments, such as accountancy, a retail bank or the finance department of a company. 


Financial Planner education and training requirements

Financial Planners need an excellent academic background in mathematics, including GCSEs and A-levels in maths and statistics. Employers can look for applicants who have studied finance-related courses at university, including maths, business studies, economics or financial studies. Employers often offer successful candidates the opportunity to gain further training through industry recognised courses, including a Level 4 Qualification in Financial Advice. 


Financial Planner salary expectations

According to Indeed Salaries, the average salary for a Financial Planner in the UK is £50,365 per year. Salary may depend on experience, education, location and company. 


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Financial Planner job description FAQs


What is the difference between a Financial Planner and a Finance Manager?

A Financial Planner normally works with external clients on a consultancy basis and is employed by financial firms or agencies. Financial Managers, on the pother hand have similar skills, training and qualifications but tend to be commonly employed to work in-house. Financial Managers work as part of a company’s financial department, overseeing budgets and business planning within the company itself. 


What makes for a great Financial Planner job description?

A great Financial Planner job description outlines the different clients that applicants can expect to work with. This includes specifying whether Financial Planners work on individual financial portfolios or focus on small businesses or large companies. A great job description can attract a wide range of ambitious candidates by describing the potential for career progression or further training through the role. 


Who does a Financial Planner report to?

Financial Planners report directly to a Senior Financial Planner or can be required to report to a Director of Finance. Due to the account management nature of financial planning, Financial Planners often report to Client Relationship Managers who develop and maintain the customer base. 

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