Independent Financial Adviser DOE)+ fees

Independent Financial Adviser - St Albans Area

Location: Near Watford Hertfordshire

Salary: Up to £60,000 basic (depending on experience) + 30% bonus on initial fees

Employment Type: Full-time, permanent

We're seeking an experienced Independent Financial Adviser (IFA) to join our established team based near St Albans
.

This role offers an exceptional opportunity to take on part of a retiring adviser's client bank
, representing approximately £30 million in AUM
.

We are ideally looking for a currently practising adviser with 3-5 years of experience
, confident in delivering holistic financial planning to a loyal, long-standing client base. While Chartered status is advantageous, it's not essential
-what matters most is your professionalism, integrity, and ability to build trusted relationships.

• Immediate client handover: Inherit a well-established client base from a retiring adviser, with ongoing introductions and support to ensure a smooth transition.
• AUM: Circa £30 million
  , across clients typically holding £100k+, averaging around £300k per client
  .
• Client profile: Predominantly homeowners aged 45+, including business owners, professionals, and high-net-worth individuals
  .
• Typical advice areas:
• 50% Pensions
• 30% Investments
• 20% Broader financial planning (e.g. protection, tax-efficient strategies, estate planning)

A full adviser portfolio within the firm equates to around 200 clients
, ensuring quality, long-term relationships and sustainable service levels.

• Competitive basic salary: Up to £70,000 (depending on experience and qualifications)
• Bonus structure:
  30% of initial fees submitted
  , with no validation threshold
• Established client base: Inherit and grow relationships with clients from a retiring adviser
• Growth potential: Opportunities to expand your portfolio further through future acquisitions
• Comprehensive support: Full paraplanning, administration, and compliance assistance to help you focus on client service
• Professional environment: A collaborative and stable firm with a strong regional presence and supportive culture

We'd love to hear from you if you:

• Are a currently active adviser
  , with 3-5 years of client-facing experience
• Have strong technical knowledge across pensions and investments
• Are motivated by long-term relationship management rather than short-term sales
• Hold Level 4 Diploma (minimum)
  - Chartered or close to it preferred but not required
• Want to join a respected firm that values quality advice, integrity, and client trust