Wealth Strategy Architect, Financial Intelligence

About Monstro

Monstro is the operating system for governed financial intelligence. We build the infrastructure that enables artificial intelligence to operate safely, explain ably, and at institutional scale in highly regulated financial domains.

We exist because the level of financial guidance historically available to a small group should be accessible to many more people. By combining AI with deep institutional infrastructure, we help financial institutions deliver more personalized, responsible, and life‑changing financial support to millions of individuals.

We’re building mission‑critical systems in a regulated domain, and we care deeply about doing it right. If you’re motivated by meaningful problems, high standards, and improving financial outcomes for people who have never had access to them before, you’ll feel at home here.

The Senior Wealth Strategy Advisor is a foundational hire. This person is responsible for ensuring that Monstro’s financial logic is institution‑grade from the outset — correct, complete, and coherent across the full scope of comprehensive wealth management.

Financial planning advice built on imprecise logic compounds its errors over time. Tax assumptions that ignore estate implications, investment recommendations blind to income‑phase distinctions, estate structures that conflict with insurance positioning — these are not edge cases. They are the daily reality of comprehensive wealth management, and they are precisely what AI systems get wrong first.

This role exists to prevent that. You will serve as the internal authority on how Monstro’s platform reasons about wealth — not as a reviewer after the fact, but as the architect of the foundational logic itself.

You will work directly with Monstro’s Founder, who brings deep wealth management and family office experience. This role expands that expertise into durable, scalable guidance that safely governs product behavior over time.

You will be the internal authority across five pillars of comprehensive wealth strategy. Cash flow sits at the foundation — it governs what is possible across every other domain. Deep expertise in at least one pillar is required; the ability to reason across all five collectively is essential.

• Cash flow — Income, expenses, surplus allocation, debt management, liquidity planning — the foundation that determines capacity across every other domain
• Tax planning — Income tax strategy, Roth optimization, tax‑efficient withdrawal sequencing, entity structuring, UHNW tax planning
• Estate planning and legal structures — Trust design, estate tax planning, GRATs, dynasty trusts, business succession, generation‑skipping strategies, asset protection
• Financial planning — Cash flow planning, risk management, insurance integration, retirement income architecture, holistic plan construction
• Investments — Asset allocation, portfolio construction, asset location, withdrawal strategy, annuity design, retirement income products

Define the financial framework foundation

Establish the wealth strategy and provide expertise to the product and engineering team regarding frameworks, principles, and decision guidance that govern how Monstro’s platform reasons about complex financial scenarios. Your expertise defines the foundation — what the platform understands, how it weighs tradeoffs, and where it draws boundaries.

Articulate wealth strategy in a form teams can act on

Translate your financial expertise into clear principles and structured guidance that product teams can work with you to develop into actionable requirements. The goal is articulation — making expert judgment legible and usable for the people responsible for building from it.

Model cross-domain dependencies

Document and clarify the interactions that most AI systems get wrong: how Roth conversion decisions affect estate tax exposure, how trust structures interact with income tax elections, how insurance product positioning changes with retirement income phase. Surface second‑ and third‑order effects before they compound into downstream errors.

Distinguish rules from judgment

Identify where structured, rules‑based guidance is…