Paraplanner

Location: Liverpool | Employment Type: Full-time, Permanent

Salary: £35,000-£50,000 DOE

About the Firm

Our client is a reputable, independently owned financial advisory firm with a strong track record of delivering tailored, high-quality advice to private clients. The firm specialises in pensions, investment planning, and inheritance tax strategy, helping individuals make well-informed decisions that support their long-term financial goals. Operating to the highest regulatory and professional standards, the team is genuinely committed to achieving positive outcomes for every client in line with FCA Consumer Duty principles.

Role Overview

A skilled and experienced Paraplanner is sought to join this growing advisory team based in Liverpool. Working in close partnership with the firm's financial advisers, you will take ownership of the research, analysis, and preparation of comprehensive suitability reports and financial planning recommendations. The role carries a particular emphasis on pensions, investment advice, and inheritance tax planning, and will suit a technically strong paraplanner who takes pride in the quality and accuracy of their work.

Key Responsibilities

• Suitability Report Writing: Produce detailed, accurate, and well-reasoned suitability reports and financial planning recommendations in support of adviser-client meetings, with a particular focus on pensions, investments, and inheritance tax planning.
• Research & Analysis: Carry out thorough research to underpin advice recommendations, ensuring full compliance with relevant regulations, industry standards, and best practice guidance.
• Consumer Duty Compliance: Ensure all reports and recommendations reflect the FCA's Consumer Duty principles, placing clients' best interests at the centre of the advice process and maintaining transparency and fairness throughout.
• Adviser Liaison: Maintain close and effective communication with financial advisers to develop a thorough understanding of client objectives and ensure reports are delivered accurately and on time.
• Client File Management: Keep client files accurate, complete, and up to date, applying a consistent high standard of attention to detail across all records.
• Regulatory Adherence: Ensure all work is carried out in accordance with FCA regulations, internal compliance procedures, and company policy.
• Team Collaboration: Contribute positively to the wider team, supporting advisers and colleagues as required to facilitate smooth and efficient client service delivery.

Key Requirements

Experience & Qualifications

• A minimum of three years' paraplanning experience within a UK IFA environment.
• Demonstrable experience across a broad range of products and wrappers, including protection, pensions, bonds, and trusts.
• Experience with complex IHT planning solutions, including AIM-listed investments and Business Relief (BR) products, is highly desirable.
• The Level 4 Diploma in Regulated Financial Planning (or an equivalent qualification) is required. Candidates who are close to completion and can demonstrate the relevant technical experience will be considered.
• A sound working knowledge of FCA regulations, including the Consumer Duty framework.

Skills & Abilities

• Exceptional attention to detail and a commitment to producing error-free, regulation-compliant reports and recommendations.
• Strong technical knowledge across pensions, investment planning, and inheritance tax.
• Excellent written and verbal communication skills, with the ability to convey complex financial concepts clearly and concisely.
• Strong organisational and time management skills, with experience managing multiple cases and deadlines simultaneously.
• Proficient in financial planning software and the Microsoft Office Suite.

Personal Attributes

• A proactive and self-motivated individual who works with a high degree of professionalism and integrity.
• Equally comfortable working autonomously and as part of a collaborative team.
• A client-focused mindset, with a genuine commitment to delivering high-quality outcomes.
• Capable of sustaining accuracy and attention to detail in a busy, deadline-driven environment.