Senior Financial Adviser

Senior Financial Adviser

Location: Edinburgh & Dunfermline with regular client meetings across Lothians and Fife
Hours: Full-time - Monday to Friday

The Role
We are seeking an experienced Senior Financial Adviser to manage and develop an established portfolio of 100-150 private clients across Edinburgh, Fife and the surrounding areas.

You will provide holistic, cashflow-led financial planning and build long-term client relationships, working closely with paraplanners, administrators and in-house tax and accountancy teams to deliver a high-quality, joined-up service.

Key Responsibilities

• Deliver comprehensive financial advice covering pensions, investments, retirement planning, protection, tax-efficient savings and estate planning.
• Prepare and present lifetime cashflow models to support client decision-making.
• Manage annual client reviews, maintaining strong relationships and maximising client retention and referrals.
• Advise high-net-worth individuals, retirees and business owners on complex financial planning matters.
• Ensure all advice meets FCA regulatory and compliance requirements.
• Collaborate with tax advisers, accountants and paraplanners on client cases.
• Support and mentor junior advisers and paraplanners.

Requirements

• Minimum 10 years' experience as a regulated financial adviser in the UK.
• Level 4 Diploma in Regulated Financial Planning (CII DipPFS) or CISI Level 4 Investment Advice Diploma.
• Current Statement of Professional Standing (SPS).
• Proven experience managing a client bank of 100+ households.
• Strong technical knowledge of pensions, investments, tax planning, trusts and inheritance tax.
• Experience using cashflow modelling tools and delivering ongoing client review services.
• Good understanding of Scottish income tax and succession law.
• Strong communication, relationship management and organisational skills.

Desirable: Chartered Financial Planner status or working towards it, with experience mentoring junior colleagues.

Benefits

• Competitive salary.
• Workplace pension and 3x life cover.
• Paid professional fees and support towards further qualifications.
• Employee Assistance Programme and wellbeing resources.
• Access to employee discounts and referral bonus schemes.
• Ongoing training, development and regular one-to-one reviews.

This is an excellent opportunity for an experienced adviser to manage an established client portfolio, deliver high-quality financial planning and contribute to the continued growth of a successful firm.

If this sounds like you or someone you know, contact us today for a confidential chat or apply now!

INDFS