Lead Financial Advisor, Retirement Planning

Thrive Retirement Specialists is an advisor-owned, Registered Investment Advisor focused exclusively on retirement planning.

We serve HNW individual clients virtually and provide comprehensive retirement income planning, risk management, tax planning, and investment management for households with more than $2 million in assets. Our client service model encourages an extended long-term relationship. We serve clients through the transition into retirement and throughout the 20 to 30+ year retirement journey that follows.

Every client pays the exact same $3,000 quarterly flat fee, allowing our advisors to focus on delivering thoughtful, client-first advice free from conflict of interest.

All clients are of equal importance and receive the same great level of service.

Where else can you form approximately 80 retirement planning-focused client relationships from scratch that you get to serve over the remainder of your career.

We estimate it will take approximately seven to ten years to onboard 80 new client relationships, after which time you will be eligible for partnership and profit sharing.

The Retirement Advisor is our most senior, client-facing advisory role.

• Build and lead a client base of up to 80 retirement-planning households, owning each relationship from firm-provided lead through planning, implementation, and semiannual reviews.
• Serve as clients’ primary advisor throughout retirement, earning their trust through proactive planning, clear communication, and responsive service.
• Deliver comprehensive retirement income planning, risk management, tax planning, and investment management, taking ownership of the quality of advice and client outcomes.
• Maintain clients’ low-cost, passive ETF model portfolios and income ladders, placing trades at Schwab as needed.
• Exercise independent professional judgment and problem solving while solving complex planning challenges.
• Operate effectively under meaningful autonomy while contributing positively to a collaborative and collegial team.
• Maintain the technical knowledge and professional standards expected of a retirement-planning specialist, with intellectual curiosity, a client-first mindset, and attention to detail.
• Help shape Thrive’s client experience, planning processes, and team culture as the firm grows.

• CFP® professional with at least 10 years of professional work experience (at least 5 years in personal financial planning).
• Strong working knowledge of retirement income planning, risk management, tax planning, and investment management.
• Demonstrated experience serving as the lead advisor for client households.
• Proven ability to develop, deepen, and retain long-term client relationships.
• Commitment to gaining and maintaining the knowledge required to serve as a retirement-planning specialist throughout clients’ 20 to 30+ year retirements.
• Willingness to obtain the Retirement Management Advisor® (RMA®) designation.
• Comfort operating with meaningful autonomy and exercising sound professional judgment.
• A client-first mindset, intellectual curiosity, strong problem-solving ability, and a collaborative approach to working with others.

• Experience serving high-net-worth individual households.
• Deep experience with retirement income planning and retirement distribution strategies.
• Experience with passive index-fund investing, model portfolio management, and trading.
• Experience with annual tax projections, Roth conversion analysis, charitable-giving strategies, and tax-optimized withdrawal sequencing.
• Familiarity with Schwab, Income Lab, Holistiplan, Zoom, and/or Wealthbox CRM.

A Retirement Advisor starts with a base salary of $170,000 plus, which…