Private Wealth, Senior Financial Planning Specialist

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

Job summary

Citizens Bank’s Private Wealth team is seeking a Senior Financial Planning Specialist to enhance our planning capabilities for high-net-worth clients. You will provide expert analysis, customized plans, and proactive engagement, serving as a strategic partner in delivering sophisticated planning solutions.

You will develop comprehensive plans with a focus on personal tax considerations, estate planning, and retirement strategies, while collaborating with wealth management partners to optimize

Qualifications

• Bachelor's degree in Finance, Economics, or related field.
• CFP designation required (or CFP in progress).
• CPA preferred; deep personal tax knowledge strongly considered.
• 5-7+ years of relevant experience in financial planning or wealth management.
• Strong knowledge of personal financial planning and tax considerations.
• 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 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.

Responsibilities

• Independently develop and present comprehensive financial plans tailored to high-net-worth individuals and families.
• Drive business development by identifying planning opportunities and supporting client acquisition.
• Address complex wealth management issues, including estate planning and tax strategies.
• Collect, organize, and analyze client financial data to support investment strategies and planning.
• Create and maintain advanced financial models, forecasts, and scenario analyses.
• Collaborate with clients and stakeholders to deliver integrated financial solutions.

Skills

5+ years experience

Analytical thinking

Client-centric communication

Education

Bachelor's degree in Finance/ Economics

CFP designation

CPA preferred

Tools

Financial planning software

Microsoft Office Suite

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, https://jobs.citizensbank.com/benefits

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

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.