Financial Advisor IHT Planning

HNW / UHNW Financial Adviser (IHT protection planning)

Do you thrive on the technical side of financial planning the cases where a simple term policy just wont cut it

Were looking for an experienced protection specialist to join our team working with high and ultra-high net worth clients (typically 10m estates) on some of the most technically complex protection and inheritance tax planning cases in the market.

Want to work on high value complex life insurance cases rather than volume Its a consultative advice led position for someone who enjoys getting into the detail - trust structures cross-border estates large sum assured cases and genuinely complex underwriting.

Responsibilities:

Youll act as the protection specialist within a HNW advisory team working alongside solicitors accountants and private bankers to design solutions that fit into much bigger financial and tax planning pictures. Think IHT liquidity planning estate equalisation trust-based protection and business protection for owner-managers - often layered with cross-border or non-UK domicile complexity.

Youll own cases from the first conversation through to placement working closely with our inhouse underwriting team to negotiate terms with insurers on high-value technically demanding risks.

Experience required:

• Solid background in advised protection or financial planning ideally with exposure to 5m sums assured
• Comfortable operating in a professional introducer environment - youve worked alongside solicitors accountants or similar advisers before
• Experience with IHT planning business owners or landed estate/farming clients is a strong plus
• Level 4 Diploma in Regulated Financial Planning as a minimum.
• Genuinely curious about technical problem-solving and confident explaining complex strategies - and sensitive topics like medical underwriting - in a way clients and introducers can actually follow

Why this role:

If you want to move beyond transactional protection sales and into genuinely strategic high-value planning work with real ownership of complex cases and direct access to a network of top-tier professional introducers. This is a rare opportunity to specialise at the top end of the market.

Salary:

Up to 75k Basic (Negotiable for right person) plus fantastic bonus potential

Genuine opportunity to earn 250k per annum for driven individuals.