Senior Wealth Planner

Description

Job Summary

The Senior Wealth Planner plays a critical role within Cogent Private Wealth by delivering sophisticated, comprehensive financial planning solutions to high-net-worth and ultra-high-net-worth clients. This role partners closely with Wealth Advisors, Portfolio Managers, and other specialists to design, implement, and maintain holistic financial plans that align with clients’ long-term goals and complex financial needs.

The Senior Wealth Planner serves as a subject matter expert in advanced planning areas including retirement, tax strategy, estate planning, risk management, and wealth preservation, while also acting as a trusted advisor to both clients and internal team members.

Requirements

Responsibilities and Duties

Client Financial Planning & Advisory

• Lead the development and ongoing maintenance of comprehensive financial plans covering retirement planning, tax strategies, estate planning, insurance analysis, charitable giving, and wealth transfer strategies. 
• Conduct in-depth client discovery meetings to assess financial goals, risk tolerance, time horizons, and personal circumstances in collaboration with Wealth Advisors. 
• Translate complex financial concepts into clear, actionable recommendations tailored to each client’s objectives.

Advanced Planning Expertise

• Provide advanced planning support in areas such as tax optimization, estate and trust planning coordination, business owner planning, and multi-generational wealth strategies.
• Coordinate with external professionals including CPAs, estate planning attorneys, and insurance specialists to ensure integrated and well-executed planning solutions. 
• Maintain an in-depth understanding of financial planning apps used by CPW and review of financial planning software and tools.

Collaboration & Team Leadership

• Partner closely with Senior Wealth Advisors as a core member of each client’s Wealth Management team.
• Serve as a planning resource and mentor to Associate Wealth Advisors and Financial Planners, helping elevate planning standards and consistency across the team.
• Participate in internal case reviews and planning strategy discussions to enhance client outcomes and team effectiveness. 

Client Relationship Management

• Build and maintain strong, long-term client relationships through proactive communication, responsiveness, and high-touch service. 
• Participate in client review meetings to present planning updates, recommendations, and progress toward stated goals.

Compliance & Reporting

• Ensure all planning activities comply with regulatory requirements, internal policies, and fiduciary standards.
• Maintain accurate documentation of financial plans, analyses, and client interactions.
• Complete all required BSA/AML/OFAC training and adhere to Cogent Bank compliance protocols. 

Business & Practice Support

• Support business development efforts by contributing planning expertise during prospect meetings and onboarding processes.
• Assist in refining planning tools, templates, and processes to enhance scalability and client experience.
• Adhere to all Cogent Private Wealth policies & procedures.
• Ensures BSA compliance by reading and being familiar with the BSA/AML program/policy; following all BSA/AML/OFAC policies and procedures; and completing all BSA/AML/OFAC related online courses.
• All other tasks, responsibilities, or duties, as directed by management.

Qualifications and Skills

• Minimum of 5+ years of experience in comprehensive financial planning, preferably serving high-net-worth clients.
• Professional designations are strongly preferred (CFP®, CPWA®, CPA, EA, CFA®, or similar).
• Deep understanding of financial planning principles, tax planning, estate strategies, investment concepts, and insurance solutions.
• Proficiency with financial planning software and analytical tools. 
• Exceptional communication, interpersonal, and presentation skills.
• Strong ethical standards and commitment to acting in clients’ best interests at all times.