Job Type
Permanent
Closing Date
31/01/2026
Schroders Personal Wealth aims to improve the way financial advice is offered, by making it more affordable, accessible and powerful for more people. We want to change lives for the better.
Acting as a technical support for complex advice cases, the Complex Needs Specialist will support financial advisers in constructing and developing client solutions for technically complex advice areas.
Complex Needs Specialist
Type
| Permanent
Location
| National
Salary
| £60,000+ (dependent on experience)
As a Complex Needs Specialist, you'll play a key role in supporting our financial advisers with technically complex advice cases, helping them deliver exceptional solutions for clients with unique or intricate financial needs. You'll act as a trusted technical resource, providing insight into advanced planning strategies and market trends to strengthen relationships and secure outcomes.
You believe that great advice starts with understanding complexity and crafting solutions that meet each client's unique circumstances. You'll collaborate closely with advisers and paraplanners, offering expertise in areas such as trusts, non-personal entities, enhanced inheritance tax planning, and specialist investment strategies. Your ability to simplify complexity and deliver clarity will be central to creating confidence for both advisers and clients.
We're committed to changing lives—not just for our clients, but for our colleagues too. You'll be part of a collaborative and inclusive team, where your development is supported and your ideas are welcomed.
Key Responsibilities
* Act as technical support for complex advice cases where advisers require the support of a specialist to help construct and develop tailored client solutions.
* Provide expertise on cases involving unusual client circumstances, trusts, non-personal entities, enhanced IHT planning, VCT/EIS, retirement income planning, and legacy product issues.
* Act as a point of reference for the wider investment market and advice trend information
* Support advisers in the construction of appropriate advice and product solutions along with any bespoke pricing arrangements
* Key SME who analyses and evaluates the feasibility / relevance of proposals for complex products / services
* Collaborate with internal teams and external partners, including third-party providers and Cazenove Capital, to ensure smooth client onboarding.
* Invest in your own development and support others by delivering specialised training or coaching in your area of expertise.
* Identify opportunities to improve business practices and recommend enhancements to policies, processes, and standards.
* Uncover emerging issues and/or needs and identify potential causes, related issues, key stakeholders and barriers
* Contribute to Investment Office forums and stay informed on emerging issues, market developments, and legislative changes.
* Commitment to living our values, upholding Consumer Duty responsibilities, ensuring professional standards and maintaining your Statement of Professional Standing (SPS).
Skills And Experience
* Minimum Level 4 Diploma and working towards Chartered, Chartered would be beneficial
* Proven experience working in wealth management or financial services industry
* Previous financial adviser or paraplanning experience preferred
It is a role requirement to pass any professional qualifications relevant to the role that may be introduced by future legislation.
We understand not everyone will meet 100% of the requirements, however we encourage you to apply if you think your skills are a good fit for this role.
This job vacancy may close earlier than the advertised date if a suitable candidate is found. We encourage interested applicants to submit their applications as soon as possible.
Some fantastic benefits SPW colleagues enjoy:
* Generous Holiday Entitlement: 30 days of annual leave plus bank holidays, with the option to buy or sell 5 days.
* Health & Wellbeing: Company-paid Private Medical Insurance, Life Insurance, and Health Screening.
* Company Pension Contribution: A matched pension contribution of up to 15% of your base pay.
* Cash Allowance: Flexible allowance to spend on additional benefits personal to you, including: dental cover, paid sabbatical leave, gym membership, menopause support.
* Bonus Opportunity: Dependent on individual/company performance (eligible after 3 months' service)
* Financial Advice: Access to free financial advice to help secure your financial future.
To find out more, please visit
We support flexible working:
At SPW, we know how important it is to be able to achieve a balance. We want to support your lifestyle as well as meeting our business needs, so will always aim to be flexible. As well as traditional working patterns, we have colleagues who work informal flexible hours, reduced working hours, and have job-sharing arrangements. Many colleagues work from home, or in a hybrid way.
Ready to restart your career?
We warmly welcome applications from those returning to work after a period of leave, providing appropriate support and training where required.
You belong here:
At SPW, we embrace individuality and diversity of identity, experience, and thought. We actively strive for inclusive behaviours and actions, making appropriate adjustments for disabilities, health conditions and neurodiversities. We ensure equal opportunities for all and transparently report on gender pay to promote fairness.
Schroders Personal Wealth operates under the Senior Managers and Certification Regime as a solo-regulated firm and if this role is classed as a Certified Role under that regime you will be subject to enhanced vetting and will have a number of additional conduct and regulatory duties to adhere to, as well as certifying at least annually that you are fit and proper to perform this role.