PAD Financial Planner

Introduction

We are looking for a high-calibre qualified or trainee Financial Planner to join our growing team and play a pivotal role in delivering outstanding services to our valued clients. As part of our team, you’ll have the opportunity to work in a fast-paced, collaborative environment where your skills and expertise will be put to the test every day. With a focus on financial planning and discretionary investment management, you’ll be an integral part of ensuring that our clients’ assets are managed efficiently and effectively.

The Personal Advice Desk (PAD) is the team responsible for the delivery of the Select proposition, a fully functioning component of Saltus Financial Planning. PAD facilitates the management of our smaller clients, typically those with investible assets between £50,000 to £250,000.

The team consists of two core functions: Relationship Management and Advice. Whilst the Relationship Managers are responsible for the ongoing relationship with Select clients, any advice needs are actioned by the advice team. Traditionally, some advisers begin as trainee advisers on the Saltus Financial Planner Pathway and PAD provides them the experience to complete their stage 1 and stage 2 competent adviser status (CAS) assessments. This may lead to a long term adviser role in PAD or  moving to Premier and managing their own client bank, as opportunities arise.

Why Saltus?

Our mission is to improve everyone’s relationship with their wealth: to make it a positive force for their future and at the same time to prevent it being a source of anxiety. We want everyone who works at Saltus to be proud to work here, and to find fulfilment and meaning in the work that they do

We are incredibly proud of our culture and work really hard to ensure that Saltus is a great place to work for our people, where they can have fun and grow in their career, with a passion for excellence and customer service.

We’re proud that we’ve been recognized as a winner by the Sunday Times in the Best Places to Work 2024 awards, as well as a winner in the Professional Adviser awards 2024 for the Best Financial Advisers to Work For. These accolades reflect our commitment to creating an exceptional work environment and our dedication to excellence in the financial industry. Join our award-winning team and be a part of our continued success!

Saltus is a privately owned financial planning and discretionary investment management house. We are dedicated to providing a high-quality service for private clients, trusts, and smaller institutions.

Saltus Partners was founded in 2004 and has grown organically and through a small number of carefully integrated acquisitions. Originally, the business started out as an investment manager and has now developed the financial planning side of the offering, putting this at the forefront of the client relationship.

Today Saltus manages and advises on over £10.4 billion of client assets, acquired through a combination of organic business growth and corporate acquisitions.

What does this role look like?

The role will report to the Head of Select Advice. The key areas of the role are as follows:

• Providing advice – under the supervision of the Head of Advice until CAS is attained.
• Supporting RM’s in the provision of advice to Select FP clients
• Prospecting and working with Select Conversion and other non-FP propositions to give an ongoing review and advice, and where appropriate, converting clients with existing 3^rd party plans onto the platform and into the Select FP proposition
• As part of your adviser development, advice entails:
  • Schedule and run client meetings to update client information and understand client needs
  • Analyse client information and existing investments/plans
  • Construct appropriate solutions for clients in conjunction with the advisers
  • Write suitability reports for cases of varying complexity
  • Run Cashflow models for clients – if appropriate
  • Communicate with clients promptly on research and report time scales
• Ensure adequate personal CPD is undertaken and records are maintained in association with Compliance
• Maintaining ongoing knowledge of financial markets and products, including appropriate legislative changes
• Supporting other internal departments on rotation when required
• Willing to get involved in other projects within the business, which may occur from time to time, that fall within your capabilities

What sort of person are you looking for?

The successful candidate will be delivery-oriented and a well-organised individual with experience within a financial planning environment.

• Level 4 Diploma in regulated Financial Planning (with the CII) and should be working towards Level 6 Advanced Diploma in regulated Financial Planning (with the CII)
• Experience within the financial services industry and ideally have had at least 1 year’s Paraplanning experience or client-facing role.
• Work towards adviser sign off (Stage 1&2) – until that point, ensure all advice cases are signed off by your supervisor.
• Take responsibility for your own development, including being aware of your knowledge gaps and actively working to close these gaps. This includes trying to be self-reliant in terms of finding an answer yourself (journals/articles/how-to guides), asking questions and going to seminars.
• Strive to meet all points on the PP service charter
• Demonstrate a strong technical knowledge and understanding of all financial products
• Excellent communication skills, both verbal and in writing
• Be customer-focused but commercially minded
• Can-do attitude
• Proactive
• Attention to detail
• Ability to communicate effectively with departments across the business as well as clients
• Being comfortable with working in a fast-paced environment
• Being a good team player and offering help to the team where needed
• Be organised and able to manage a busy workload
• Have strong IT skills; experience of Curo and FE Analytics is advantageous

Where will I be working?

This role is based from any of our Saltus offices and we offer hybrid working, with at least three days a week in the office. We’re incredibly flexible about when and how you work: we don’t want anyone to be prevented from coming to work for Saltus as a result of the working pattern that they’re looking for. We are passionate about championing flexible working for our people, so if there’s a slightly different working pattern that you’re looking for, then please come and have a chat to us about it!

What benefits do I get when working for Saltus?

The salary is up to £55,000 (depending on qualification level and experience), plus a discretionary new business bonus in line with the ARP, alongside 25 days’ holiday (plus bank holidays), life assurance, income protection and a pension, alongside access to our flexible benefits platform. The role is 37.5 hours per week between the hours of 8.30-5.30pm. Just as importantly, you’ll get to experience our culture, which we really do live and breathe ensuring that Saltus is a fantastic place to work for every single one of our 400+ people. We work hard, but we have an awful lot of fun along the way. If you think you’d like to come and join us, then please do get in touch… we’d love to hear from you!