FINANCIAL PLANNER

SUMMARY:
Helping clients navigate complex financial landscapes and make informed financial decisions.

POSITION INFO:

A well known company within the financial sector is looking for a Experienced Financial Planner:

Qualification and experience:

• A financial qualification is essential (e.g. B Com finance, accounting, investment management)

• A Post Graduate diploma in Financial Planning

• CFP® designation is essential.

• Experience required: Minimum of 3 years relevant experience

• Proficient on Microsoft Windows (advanced level in Excel)

• Building financial models in Excel

• Estate Planning tax and regulation.

Duties:

Responsibilities (Investment Planning)

• Consolidate and summarise all client assets (policies, investments & properties)Make necessary projections

• Highlight different tax implications

• Prepare the necessary cash flows to ensure sustainability of income

• Identify the appropriate investment vehicle and structure

• Identify the client’s capital & income needs in the event of death/disability/severe illness/retirement

• Determine capital / income shortfalls

• Analyse & compare various local & offshore unit trust funds (CIS). Obtain & provide performance graphs, asset allocation, risk & return scatterplots, risk correlation tables etc.

Responsibilities (Estate Planning & Business Insurance)

• Consolidate and summarise all policies, investments & assets and liabilities at death, disability or severe illness.
• Consolidate all income and capital needs of the client at death, disability or severe illness.
• Calculate tax and duties payable at death
• Prepare the necessary estate planning proposal which contains a breakdown of the estate duty, summary at death and liquidity position at death.
• Determine additional cover needed.
• Prepare the necessary risk proposal for disability and severe illness which compares the provisions with the shortfall.
• Determine capital / income shortfall or surplus at death and can make the appropriate recommendation.
• Business Assurance - including Buy-and.-sell agreements, credit/debit loan accounts, contingent Liability, keyperson assurance and. Deferred/Preferred compensation.
• Calculate company values where necessary

People

Liaise closely with all stakeholders (i.e. Wealth Planners / Financial Advisors from Efficient Wealth, External brokers, Investment Consultants from Life and Asset Management Companies)