Financial Advisor at Momentum Metropolitan Holdings Limited

Role Purpose    

• The Financial Advisor is a vital member of the Advisory team, reporting to the Head of Advisory Services.
• The primary role is to bring deep expertise in investment strategy and retirement planning, with a strong understanding of South African financial regulations, tax structures, and retirement products.
• This role is pivotal in guiding clients toward financial security and long-term wealth creation.
• Additionally, you will work closely and collaboratively with the Business Development team to ensure client expectations and the company’s revenue targets are achieved.

Requirements    

Qualifications and experience

The candidate needs to have proven expertise in business and technical facets of the role, including the following:

• Bachelor’s degree in finance, economics, or related field.
• Certified Financial Planner (CFP®) designation or equivalent.
• Minimum 10 years of experience in financial advisory, with a strong focus on investments and retirement planning.
• Proven track record of working with high-net-worth individuals, retirees, and expatriates.
• RE5/RE1 certification as authorised representative required.

Duties & Responsibilities    

Financial planning

• Provide personalised financial advice to clients, focusing on investment portfolios, retirement planning, and wealth preservation.
• Conduct in-depth financial needs analyses and develop tailored financial plans aligned with clients’ life goals.
• Stay current with South African financial legislation, tax laws, and retirement reforms to ensure compliant and optimal advice.
• Develop and implement personalised retirement strategies for South African retirees and expatriates, ensuring financial security and lifestyle sustainability.
• Advise on optimal investment portfolios, including offshore options, annuities, living annuities, and tax-efficient drawdown strategies.
• Navigate complex cross-border financial planning issues such as foreign pensions, dual tax residency, currency risk, and international estate planning.
• Assist clients with transitioning retirement savings (e.g., pension/provident funds, preservation funds) into income-generating vehicles.
• Provide guidance on South African and international tax implications, exchange control regulations, and emigration financial planning.
• Conduct regular reviews of client portfolios and retirement income plans to ensure alignment with evolving goals and market conditions.
• Build long-term relationships with clients based on trust, transparency, and consistent performance.
• Collaborate with legal, tax, and compliance professionals to deliver holistic financial solutions.

CRM proficiency

• Experience using AtWork (or other CRMs) to track and manage client interactions.
• Manage lead pipelines, track conversions, and identify potential drop-off points.
• Compliance and documentation handling
• Understand KYC (Know Your Client) and AML (Anti-Money Laundering) requirements within financial services.
• Ability to guide clients through the intended process and necessary documentation for policy encashments, tax emigration, forex transactions, or any other services offered by the company.
• Ensuring compliance with South African and international financial regulations to mitigate legal risks.
• Communication and digital proficiency
• Ability to explain complex financial concepts in straightforward, client-friendly language.
• Strong email and professional writing skills for effective client communication.
• Comfortable conducting virtual consultations via, Teams, or other video platforms to engage with expatriates globally.
• Proficient in using spreadsheets (Excel/Google Sheets) for basic financial calculations and estimates.
• Problem-solving and advisory skills
• Ability to assess a client’s financial situation and recommend tailored policy encashment, tax and forex solutions.
• Knowledge of alternative solutions when a particular service does not meet the client's needs.
• Capable of identifying red flags in financial transactions that may require specialist input.

PRIMARY ACCOUNTABILITIES

• Lead reception: Receive and organise marketing leads from various sources, ensuring contact information is correct and identify specific needs or interests of each lead.
• Contact: Reach out to leads through appropriate channels (phone, email, video-calling, text, etc.), introduce the company and its services, and establish rapport to gauge their interest and willingness to engage further.• Qualification: Assess the lead's eligibility and suitability for the offered services asking relevant questions to understand their financial situation, goals, and potential challenges. Secure approval from leads to proceed with further discussions by gathering the required documentation.
• Presentation: Present tailored solutions to qualified leads, explaining the benefits and process of financial planning, addressing any concerns and highlighting the value proposition for each service.
• Negotiation: Discuss and agree on terms, pricing, and any specific requirements with the lead, overcoming objections and ensuring mutual understanding to move forward with the selected services.
• Closing: Finalise the sale by obtaining commitment from the lead, completing necessary information, and ensuring a smooth transition to the Service Delivery team.
• Follow-up: After the sale, follow up with the client to ensure satisfaction, address any issues, and explore opportunities for additional services or referrals, maintaining a positive relationship.

Competencies    

• Empathy – Ability to understand and relate to clients’ concerns, making them feel heard and valued.
• Active Listening – Ability to genuinely listen, pick up on key details, and respond thoughtfully.
• Patience – Willingness to invest time in the relationship, not just push for an immediate sale.
• Trustworthiness & Integrity – Being honest and transparent to ensure clients feel safe providing personal and financial information.
• Resilience – Ability to handle objections, rejections, and difficult conversations without losing motivation.
• Confidence Without Arrogance – Ability to guide the conversation while maintaining a friendly and professional tone.
• Adaptability – Can adjust their approach based on different personalities, needs, and cultural backgrounds.
• Strong Communication Skills – Ability to explain financial services clearly and in a way that builds trust.
• Problem-Solving Mindset – focus on helping the client find the best solution.
• Emotional Intelligence (EQ) – Ability to read the client’s emotions and respond appropriately.
• Relationship-Building Skills – Can develop long-term relationships rather than just closing single transactions.
• Knowledge of Financial Services – A good grasp of the FinGlobal service offering and how client needs are addressed.
• Attention to Detail – Ensuring that all information provided is accurate and that any commitments made are followed up on.

Closing Date    

• 2026/01/19