Philip Wilson-Smith

• Reviewed and responded to clients' changing needs through annual review meetings.
• Confidentially answered clients questions about financial plans and strategies.
• Set up prospective and existing client meetings in settings that best suit their needs, to offer above-and-beyond service.
• Notified clients of any changes in legislative regulation that might affect financial plans for full transparency.
• Facilitated client understanding by translating complex concepts and technical jargon.
• Employed outstanding interpersonal and communication skills to foster long-term relationships with clients.
• Maintained thorough knowledge of current legal, taxation and regulatory legislation for continued compliance.
• Fully adhered to FCA regulations, maintaining awareness of changes in legislation and addressing risks of non-compliance.
• Assisted clients in identifying needs and objectives to provide appropriate financial advice and services to best meet their goals.
• Interviewed clients to determine current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance and other information needed to develop financial plan.
• Managed Bi annual model portfolios reviews for 10 years.
• Conducted in-depth reviews of client circumstances, current provisions and future aims, seeking optimal financial plans and outcomes.
• Used extensive market research to offer clients the latest products and services aligned to their bespoke requirements.
• Comprehended clients' attitude to risk through continued conversations and planned accordingly. Using FE risk questionnaire.

- Communicating with clients via email, telephone & correspondence

- Requesting & Producing illustrations & pension projections
- Producing valuation reports for consultants using First software

- Using Plum software to add clients and amend client information such as pensions, investments and Protection plans

- Completing carry forward, top slicing and capital gains tax calculations processing all types of applications in the financial sector such as SIPPs, ISA and GIA

- Producing suitability reports for Final Salary, Money Purchase and drawdown pension transfers and investments

- Using research software such as O&M and FE Analytics

- Using O&M final salary transfer reports

- Researching products using Exchange software

- The main providers used are AJBell Investcentre, James Hay, Aviva, Aegon, Cofunds, Standard Life Elevate & Fidelity

- had other responsibilities such as checking / running and configuring the Adviser Office I2Service, which is a data feed that updates all clients valuations daily

- Organising and prioritising work within tight time scales