Senior Wealth Planner

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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.
• Ensure BSA compliance by familiarizing with the BSA/AML program/policy and completing all related online courses.
• All other tasks, responsibilities, or duties as directed by management.

• Minimum of 5+ years of experience in comprehensive financial planning, preferably serving high-net-worth clients.
• Professional designations 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.