Associate Financial Planner: Retirement Planning

Associate Financial Planner:
Retirement Income Planning

Peak Financial Planning | Fully Remote (US) | $65,000 - $72,000 salary + CFP education paid

You've spent a year or two in financial services. Maybe in operations at an RIA, as a paraplanner, as a service associate at a custodian, or in tax preparation. You've seen how planning works up close. Now you want to do it.

The problem is what comes next. Most firms offer two paths from here: move into sales, or stay in a support role with a ceiling.

We built a third path.

Peak Financial Planning is hiring an Associate Financial Planner. This is a technical seat on our planning team, built to grow into a full Financial Planner role in about a year. No sales quota. No prospecting. No client book. You'll take the foundation you already have and build real retirement income planning expertise on top of it.

Peak Financial Planning is a fee-only RIA focused on retirement income planning. We don't sell products. We don't earn commissions. We get paid to give good advice and deliver plans clients can act on.

Our clients pay $8,000 for a four-month retirement planning engagement:
Social Security timing, tax-aware withdrawal sequencing, healthcare planning, Roth conversions, investment alignment.

Behind every client meeting is our planning team. Planners build the analysis and prepare the materials so advisors can walk into a meeting fully prepared in about 15 minutes. That is the standard we hold ourselves to.

We take training seriously. Our internal knowledge base is organized around planning decisions, not just topics, so you learn how to think through a plan, not just where to click.

For you, that means working on real, complex plans from your first month. Bracket management, IRMAA cliffs, ACA subsidy tradeoffs, withdrawal sequencing across account types. Most people wait years for that kind of exposure.

You'll start with the foundation of every plan and take on more analysis as your skills grow.

• Enter and organize client data accurately in Income Lab, Holistiplan, and Hub Spot.
• Set up new client plans in Income Lab, from account structure through initial projections.
• Gather and reconcile investment and account information across Altruist and client-provided statements.
• Run analysis in the software: retirement projections, tax scenarios, Roth conversion comparisons, Social Security timing.
• Prepare materials that support advisor prep for Peak's planning meetings.
• Flag missing data, inconsistencies, and open questions before they reach a planner or a client.
• Work inside Peak's planning checklists, SOPs, and QA process.

Over time, you'll move from setting up plans to building them.

We'd rather be honest up front.

Most of your time will go to data entry, account setup, and learning our systems and software. You'll do the same types of tasks day after day. The work is detailed, time-consuming, and it has to be right.

That's by design. Every plan we deliver rests on its inputs. A wrong cost basis or a missed account changes the advice. Getting the inputs right is how you learn how a plan actually works. It's also the fastest way to earn more responsibility.

If you find satisfaction in doing careful work well, and doing it faster each week, you'll do well here.

You won't be doing this work alone in a corner. You'll join team calls and trainings every day with planners and advisors who build these plans for a living. You'll see how experienced planners think through real retirement income decisions, and you'll contribute to them.

The work you do matters from day one. Every hour you save a planner goes back into better analysis for a client who is making one…