80.FINACIAL ADVISOR JOB

Financial advisers provide clients with advice on financial matters, making recommendations on ways to utilize money. The role involves advising clients on products and services available, ensuring they are aware of and understand those that best meet their needs, and then securing a sale. Clients may be a private individuals, corporate organizations or specific groups, e.g. societies.
Advisers can specialize in certain products, depending on their clients, e.g. selling employee pension schemes to companies or offering mortgage, pension or investment advice to private clients. Others are generalists, offering advice to clients in all of these areas, plus savings plans and insurance.
There are three types of financial advisers are tied advisers, who work for one organization, such as a bank, building society or insurance company, and sell their products alone, multi-tied advisers, who are permitted to sell products from several companies, independent financial advisers (IFAs), who can advise on any company's products, and by law must provide clients with the most suitable advice. They typically involve in contacting clients and setting up meetings, either within an office environment or in clients' homes/premises, conducting in-depth reviews of clients' financial circumstances, current provision and future aims, analyzing information and preparing plans best suited to individual clients' requirements, designing financial strategies, providing clients with information on new and existing products and services, assisting clients to make informed decisions, talking to groups and individuals about personal finance, researching information from various sources, including providers of financial products.
They also promote and sell financial products to meet given/negotiated sales targets, negotiating with product suppliers for the best possible rates, liaising with head office and financial services providers, liaising with other professionals, such as estate agents, solicitors and values, keeping up to date with financial products and legislation, maintaining detailed records to comply with the regulations of the Financial Services Authority(FSA), producing financial reports, contacting clients with news of new financial products or changes to legislation regarding their savings and investments, preparing and sending out annual summaries of investment and pension details to clients.