Equilibrium are an award winning Chartered Financial Planning company based in Handforth, Cheshire. Recently named one of the top 10 best small companies to work for in the Times Top 100 survey for the third year running and Employer of the Year at the Greater Manchester Business awards. We oversee more than £1 billion worth of assets. We provide a positive and collaborative environment for all team members to ensure we achieve everyone’s full potential. 

Since 1995, Equilibrium has been providing friendly expertise on wealth and investment management, pensions and estate planning strategies. Going beyond just providing advice on investments, we develop long-term financial plans for clients, making a positive difference to people so that life can be enjoyed. 

We believe we offer a slightly different role to a traditional paraplanner. Within the role you will support our Financial Planners whilst having day to day responsibility for a bank of clients and will be expected to proactively manage and build relationships with the client, whilst providing support and planning for key areas of the planning process including: 

  • Tax planning: ISA and pension contributions, CGT planning and tax wrapper selection 

  • Estate planning: inheritance tax mitigation and trust planning 

  • Asset allocation: review, compare and establish when rebalance is required. 

  • Ongoing portfolio reviews: review portfolio’s to identify product sales and purchases. Assess tax position and analyse portfolio returns. 

To achieve this, as part of your duties you will 

  • Attend client meetings alongside the Financial Planner and create meeting minutes which accurately reflect the information gathered in order to fully document a client’s financial needs and objectives 

  • Maintain an ongoing relationship with the clients, keeping them informed, answering queries and arranging review meetings 

  • Carry out research and analyse products and services that are appropriate to each client’s financial circumstances then discussing appropriate solutions with the Financial Planner 

  • Prepare clear investment strategy, mandate, and recommendation reports, ensuring adherence with regulatory standards for review by the Financial Planner 

  • Complete quarterly reviews of clients’ portfolios to support the ongoing client relationship, including maintaining a client file review system to regularly assess client holdings and changing financial priorities  

  • Effectively use research and planning systems such as Analytics, O&M, Voyant, Curo and Volume and wrap platforms such as Nucleus and 7IM. 

  • Be responsible for ensuring that recommendations are fully implemented in a timely manner 

  • Maintain up-to-date knowledge of the industry, compliance and regulatory developments  

  • Develop productive working relationships with colleagues and clients throughout the financial services environment, both within and outside of Equilibrium  

The ideal candidate 

  • Confident in preparing and explaining numbers  

  • High attention to detail & accuracy 

  • Professional and ethical  

  • Ability to manage time and organise effectively 

  • Ability to work on own initiative  

  • Ability to work individually or as part of a team 

  • Flexibility  

  • IT Literate 

  • Excellent people, interpersonal and listening skills  

  • Report writing, with ability to explain financial terminology in plain English  

  • High level of customer service 

Experience required 

As a minimum we require all our client managers to have experience within a similar role and either Chartered Insurance Institute (CII) Level 4 Diploma in Regulated Financial Planning qualified or with a specific plan in place to achieve this qualification. 

Desired Requirements 

  • Chartered Insurance Institute (CII) Level 4 Diploma in Regulated Financial Planning qualified
  • CII Level 6 Advanced Diploma in financial Planning (Chartered Financial Planner) 
  • Institute of Financial Planning Certified Financial Planner 
  • CM Certification or Fellowship Certificate in Discretionary Management 

What we offer in return 

At Equilibrium, the pace is fast. Our team thrives off the dynamic environment and we easily adapt quickly to changes. Our hard-working, friendly team have fostered a healthy working environment to ensure we all get the opportunity to learn and grow.  

To support our team’s growth and development, we cover the cost of study materials and exam fees for qualifications relevant to the role, as well as the option to take paid study and exam leave. 

To allow people to take rest and time off we offer 33 days holiday plus bank holidays as a minimum going up to 38 days based on length of service.  

In order for people to have a life out of work we also have a flexible working framework which gives our team the opportunity to spend some of their working week outside of the office and the freedom to work at a time that suits them where possible.  

We also provide the normal perks that you’d expect from an award-winning business such as profit share, pension, death in service, income protection and much more besides. 

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Equilibrium is a trading style of Equilibrium Financial Planning LLP and Equilibrium Investment Management LLP (Limited Liability Partnerships). Equilibrium Financial Planning LLP (OC316532) and Equilibrium Investment Management LLP (OC390700) are authorised and regulated by the Financial Conduct Authority and are entered on the financial services register under references 452261 and 776977 respectively. Registered Office: Ascot House, Epsom Avenue, Handforth, Wilmslow SK9 3DF. Both companies are registered in England and Wales.

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