Private Wealth, Senior Financial Planning Specialist

Citizens; San Francisco (CA); On-site; USD 147,000 - 199,000; Full time

Benefits offered by this job

Medical, dental and vision coverage

Retirement benefits

Maternity/paternity leave

Flexible work arrangements

Education reimbursement

Wellness programs

Job summary

Citizens, part of BG Wealth Partners, seeks a Senior Financial Planning Specialist to strengthen our high-net-worth planning capabilities. You will deliver sophisticated planning, participate in client discovery, and provide expert analysis with a client-centric approach.

Ideal candidates bring CFP (or in progress), 5-7+ years in financial planning, and deep knowledge of personal tax considerations to support wealth management teams.

Qualifications

• Bachelor's degree in Finance, Economics or related field required.
• CFP designation required (or in progress).
• CPA preferred; deep personal tax knowledge valued.

Responsibilities

• Independently develop and present comprehensive financial plans for high-net-worth clients.
• Drive business development and client acquisition through planning opportunities.
• Address complex wealth issues including estate and tax strategies, retirement planning and risk management.
• Collect, organize, and analyze client data to support investment strategies.
• Create and maintain advanced financial models, forecasts, and scenario analyses.
• Collaborate with clients and internal/external specialists to deliver integrated solutions.

Skills

Financial analysis

Client engagement

Strategic planning

Tax considerations

Financial modeling

Analytical skills

Communications

Independent yet collaborative

Education

Bachelor's degree in Finance, Economics, or related field

CFP designation

CPA preferred

Tools

FINRA licenses: SIE, Series 7, Series 66

Job description

Description

As a member of BG Wealth Partners, a Private Wealth team at Citizens, the Senior Financial Planning Specialist will help strengthen and broaden our financial planning capabilities, supporting sophisticated clients with comprehensive planning needs. The Senior Financial Planning Specialist is a strategic partner in delivering sophisticated financial planning solutions to high-net-worth clients. This role supports wealth management teams by providing expert analysis, customized planning, and proactive client engagement. The ideal candidate is a seasoned financial professional with exceptional analytical capabilities, a collaborative approach, and a deep commitment to helping clients achieve their long-term financial objectives.

The incumbent will use their experience in the development, execution, and delivery of comprehensive financial plans, with a strong understanding of personal tax considerations and how they influence broader wealth planning strategies. Candidates with deep personal tax knowledge will be strongly considered. The candidate must have strong working knowledge in all areas of the personal financial planning, client discovery, goal setting, resource assessment, gap analysis, scenario analysis, recommendations, presentation, monitoring, and review.

Responsibilities Include But Are Not Limited To

• Independently develop and present comprehensive financial plans tailored to the unique needs of high-net-worth individuals and families.
• Drive business development initiatives by identifying planning opportunities and supporting client acquisition efforts.
• Address complex wealth management issues, including estate planning, tax strategies, retirement planning, and risk management.
• Collect, organize, and analyze client financial data to support investment strategies and holistic planning recommendations.
• Create and maintain advanced financial models, forecasts, and scenario analyses to guide strategic decision-making.
• Collaborate with clients, internal stakeholders, and external specialists to deliver integrated and effective financial solutions.

Qualifications, Education And Registrations

• Bachelor's degree required in Finance, Economics, or related field.
• CFP designation required (or CFP in progress).
• CPA preferred; candidates with deep personal tax knowledge and experience will also be strongly considered.
• 5-7+ years of relevant experience in financial planning or wealth management
• Strong knowledge of personal financial planning, including the impact of personal tax considerations on a client’s broader wealth strategy
• Active FINRA licenses: SIE, Series 7, and Series 66 (or Series 63 and 65).
• Demonstrated expertise in financial planning software and Microsoft Office Suite.
• Strong analytical, organizational, and problem-solving skills.
• Excellent verbal and written communication abilities, with a client-centric mindset.
• Proven ability to work independently while thriving in a collaborative, fast-paced environment.
• In-depth knowledge of investment products, financial markets, and industry best practices.

Work Schedule

Schedule: Monday - Friday

Hours: 40

FLSA: Exempt/Salaried

Pay Transparency

The salary range for this position is $147,000.00-$199,000.00 per year plus an opportunity to earn additional incentive earnings. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.

Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Posting End Date: 12/31/2026