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.

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