Independent Financial Adviser, Near Watford , Up to £60,000 basic (DOE)+ 30% bonus on init

Independent Financial Adviser - St Albans AreaLocation: Near Watford HertfordshireSalary: Up to £60,000 basic (depending on experience) + 30% bonus on initial fees Employment Type: Full-time, permanentAbout the RoleWe''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.The OpportunityImmediate 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% Pensions30% Investments20% 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.What ..... full job details .....