Financial Adviser Jobs

Financial advisor jobs provide invaluable advice on financial matters, which varies from lending, saving and investment products, to either individuals or businesses. Some advisors specialise in specific areas such as employee benefits while others maintain a more generalist approach.

Financial advisor and IFA jobs

Financial advisors can either work as independent financial advisors (IFAs) or within a company offering its own range of financial products. IFA jobs attempt to offer a range of products available on the market, based on the needs of the client being advised.

Advisors working for a single company are referred to as tied, while those offering products from a selection of companies are referred to as multi-tied. There is constant demand for financial advisors and it offers much scope for development into specialist areas.

Financial advisors are expected to have FPC/CeFA qualifications and have competent advisor status. However, part-qualified individuals with financial services sales backgrounds are often considered.

Finding you the right financial advisor jobs

Hays Financial Services can advise you on the best route for your career. Many of our consultants have industry experience, so they have a good understanding of your skills.

Hays Financial Services works with you to ensure that you gain a job that best suits your skills. We also provide advice to help prepare you for your interview so that you can approach it with confidence.

Search for other Financial Service Job or contact your nearest Hays Financial Services office and a dedicated consultant is on hand to talk you through our current UK financial advisor jobs and jobslocal to you.

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Financial ratios

Performance ratios

• What return is the company making on its capital investment?
• What are its profit margins?

Working capital ratios

• How quickly are debts paid?
• How many times is inventory turned?

Liquidity ratios

• Can the company continue to pay its liabilities and debts?

Solvency ratios (Longer term)

• What is the level of debt in relation to other assets and to equity?
• Is the level of interest payable out of profits?

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Analytical Tools in Financial Modeling

Financial ratios are tools for interpreting financial statements to provide a basis for valuing securities and appraising financial and management performance.

A good financial analyst will build in financial ratio calculations extensively in a financial modelling exercise to enable robust analysis. Financial ratios allow a financial analyst to:

• Standardize information from financial statements across multiple financial years to allow comparison of a firm’s performance over time in a financial model.
• Standardize information from financial statements from different companies to allow an apples to apples comparison between firms of differing size in a financial model.
• Measure key relationships by relating inputs (costs) with outputs (benefits) and facilitates comparison of these relationships over time and across firms in a financial model.

In general, there are 4 kinds of financial ratios that a financial analyst will use most frequently, these are:

• Performance ratios
• Working capital ratios
• Liquidity ratios
• Solvency ratios

These 4 financial ratios allow a good financial analyst to quickly and efficiently address the following questions or concerns:

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Financial Advice

What Areas does Financial Advice Cover?

Investors and traders can seek financial advice in the following areas:

• Identify financial goals and set priorities to achieve the goals.


• Find relevant information relating to banking services.


• Provide updates and advise on investment basics, including generating returns on bonds, mutual funds and stocks.

• Purchase assets, such as a car or home.


• Make a budget and keep expenses under control.


• Review and discuss estate planning and employee stock options.


• Use a loan facility to meet financial goals and control debt liabilities.


• Advise on tax planning and various types of insurance policies and their covers.


• Provide guidance on portfolio management, asset management and retirement planning.


• Make savings for kids’ education.

Paying for Financial Advice

Financial advisors normally charge for their services in one of two ways:

Commission: This can be either upfront or ongoing. Typically commission is an ongoing percentage that is deducted from the investor’s account.

Fees: Some financial advisers may charge a professional fee that is typically an hourly rate for his or her services.

If a financial advisor is being paid by commission, one should ask if they are compensated more for certain types of financial assets, as this may influence their advice. Even though this is a risk, investors have traditionally preferred commission as it is seen as being tied to the success of the investment portfolio.

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