Paraplanner

Company Description:
Future Wealth Management is a Senior Partner Practice of St. James’s Place Wealth Management, one of the leading wealth management organizations in the UK. The firm provides tailored advice and services that reflect each client’s unique financial goals, values, and circumstances. Its areas of expertise include investment planning, retirement planning, inheritance tax planning, protection for individuals, families and businesses, mortgage and re-mortgage support, and tax planning. Future Wealth Management focuses on building long-term client relationships based on mutual trust, regular reviews, and proactive responses to life changes and legislation. The practice operates as Future Financial Wealth LLP and is authorised and regulated through St. James’s Place Wealth Management plc and the Financial Conduct Authority framework.

Role Description:
To provide high-quality technical paraplanning support to the Practice, working closely with SJP Advisers to ensure clients receive a professional, accurate, and technically robust service. The role will provide technical expertise across financial strategies, plans, and products, supporting Advisers throughout the client journey and ensuring recommendations are aligned with client objectives, the SJP proposition, and relevant regulatory and compliance requirements.

Key Duties and Responsibilities:

• Provide high-level technical paraplanning support to the Practice, with a strong understanding of the St. James’s Place (SJP) proposition, processes, investment approach, and advice framework;
• Work closely with Advisers to achieve client objectives, providing technical guidance and identifying appropriate areas for effective Financial Planning, whilst ensuring recommendations are aligned with the SJP proposition and suitable for the client’s needs and expectations;
• Act as a key technical point of contact for Advisers, providing support and guidance on complex technical queries relating to investments, retirement planning, tax, estate planning, protection, and the wider SJP advice process;
• Construct comprehensive financial planning solutions across investment, retirement, tax, and estate planning, supported by the production of computer models, cash flow analysis, and detailed reports;
• Provide technical input and challenge where appropriate, helping Advisers understand the implications of different planning strategies and ensuring recommendations are robust, suitable, and in line with SJP and regulatory requirements;
• Work closely with Advisers throughout the full client journey, from initial fact-find and financial planning through to implementation, ongoing servicing, and client reviews;
• Consider current and future allocation of assets when developing appropriate investment strategies, considering the client’s objectives, time horizon, capacity for loss, attitude to risk, and the relevant SJP investment proposition;
• Compile clear, comprehensive, and technically accurate reports and recommendations that meet SJP and wider compliance standards;
• Act as the go-to individual within the Practice for technical queries, supporting Advisers with research, analysis, interpretation of technical information, and practical application within client cases;
• Prepare client reviews, updating cash flow models, investment performance reviews, and producing supporting reports, discussion documents, and computer models;
• Obtain and analyze relevant information, quotes, illustrations, and product details to provide meaningful comparisons and support the Advisers in developing appropriate recommendations within the SJP framework;
• Assist Advisers with the preparation of tax calculations and technical analysis where necessary, ensuring the relevant tax considerations are incorporated into the overall financial planning strategy;
• Provide technical support and preparation for client review meetings, including reviewing existing arrangements, identifying planning opportunities, and highlighting areas requiring further Adviser consideration;
• Support Advisers with complex or non-standard cases, escalating matters where appropriate, and working with relevant SJP technical, investment, compliance, or operational teams to achieve appropriate outcomes;
• Maintain a strong working knowledge of SJP processes, advice notes, templates, technical guidance, and proposition changes, ensuring the Practice remains up to date and that advice is delivered consistently and within the required framework;
• Keep up to date with relevant changes to legislation, regulation, taxation, SJP policies, and technical guidance, communicating key developments to Advisers and the wider Practice where appropriate;
• Build strong relationships with Advisers and Practice colleagues, providing an initiative-taking technical service that enables Advisers to focus on client relationships while ensuring cases are technically robust, researched, and progressed efficiently.