Senior Financial Planner (CFP) - Private Banking

Flagstar Bank; Palo Alto (CA); On-site; USD 140,000 - 170,000; Full time

Job summary

Flagstar Bank in Palo Alto, CA is seeking a Senior Financial Planner (CFP®) to deliver comprehensive, goals-based wealth planning for high-net-worth clients within Private Banking. You will partner with bankers and advisors to translate client goals into actionable recommendations, focusing on equity compensation, liquidity events, business succession, and concentrated positions.

This client-facing, execution-oriented role requires deep technical expertise, mentoring colleagues, and advancing

Qualifications

• Minimum 8+ years experience in financial planning or wealth management
• CFP® certification or active progress toward designation
• Experience with financial planning software and CRM tools

Responsibilities

• Lead comprehensive financial planning delivery for high-net-worth clients.
• Prepare multi-scenario cash flow analyses and tax-efficient strategies.
• Translate client goals into actionable planning recommendations.
• Present planning concepts in client meetings alongside bankers.
• Collaborate with wealth planners, trust and investment teams.
• Stay current on planning regulations and best practices.
• Mentor colleagues and advance the private bank's planning capabilities.

Skills

CFP certification progress

Financial planning software

CRM tools

Education

Undergraduate Degree

Tools

CRM software

Financial planning software

Job description

Position Title Senior Financial Planner (CFP®) - Private Banking Location Palo Alto, CA 94301 Job Summary Family Advisory and Trusts provides sophisticated planning advice to clients on a wide range of advisory topics, including: wealth structuring for high-net-worth and ultra-high-net-worth individuals, investors, and business owners; estate planning; financial planning; income tax planning for founders, owners, and executives; family legacy planning, including business succession, family dynamics, and family office advisory; next gen; and philanthropy advisory and charitable giving. We are highly collaborative, client-obsessed, and enjoy working in an entrepreneurial, fast-paced environment to build the private bank of the future. The Senior Financial Planner leads the delivery of comprehensive, goals-based financial planning to high-net-worth and ultra-high-net-worth individuals and their families. In this role, the Senior Financial Planner will partner with bankers and advisors to deliver high-quality planning analyses and recommendations. This role is client-facing and execution-oriented, focusing on developing planning deliverables, participating in client conversations, and helping integrate planning insights into broader wealth management strategies. With a focus on serving business owners and innovation leaders, the Senior Financial Planner will advise on complex financial planning needs such as equity compensation, liquidity events, business succession, and concentrated position management. The Senior Financial Planner brings deep technical expertise and exceptional client-facing skills to serve as a trusted advisor to clients, mentor to colleagues, and strategic leader in advancing the firm’s financial planning capabilities.

Job Responsibilities

• Lead Comprehensive Financial Planning Delivery.
• Prepare and deliver financial planning analyses including multi-scenario cash flow modeling, retirement distribution strategies, tax-efficient wealth transfer, philanthropic planning, education funding, concentrated position analysis, and liquidity event planning utilizing advanced financial planning software.
• Work with clients to translate their goals into actionable planning recommendations.
• Serve as Trusted Client Advisor.
• Participate in client meetings alongside bankers to present complex financial planning concepts and recommendations in a clear, compelling, and client-centric manner.
• Partner with bankers and advisors to build trusted client relationships and proactively identify planning opportunities as client’s needs evolve.
• Drive Planning Excellence.
• Serve as a financial planning ambassador and in-house expert to support the adoption of planning across the Private Bank.
• Educate bankers on the application of planning and timely planning topics.
• Participate in external presentations, seminars, and other business development initiatives.
• Ongoing Learning and Collaboration.
• Stay current on planning best practices and regulatory considerations.
• Collaborate with the broader Family Advisory team, including Wealth Planners and Trust, and partner with investment, insurance, and lending specialists to support integrated client solutions.
• ADDITIONAL ACCOUNTABILITIES Performs special projects, and additional duties and responsibilities as required.
• Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings.
• Accountable to maintain compliance with applicable federal, state and local laws and regulations.

Job Requirements

• Education level required: Undergraduate Degree (4 years or equivalent)
• Minimum experience required: 8+ Years experience in financial planning or wealth management CFP® certification or active progress toward designation Experience working with financial planning software and CRM tools
• Preferred Qualifications: Education level preferred: Undergraduate Degree (4 years or equivalent) in finance, accounting, wealth management, financial planning, or related disciplines. Experience working with HNW clients CPA, CTFA, or CEPA helpful but not required.

Job Competencies

• Team player. The Family Advisory team works closely with one another and believes the work we do is a team sport.
• Entrepreneurial mindset. Flagstar Private Bank is growing quickly. Successful candidates will thrive in an ever-changing, ‘start up’ like environment, where there is a clear opportunity to build and shape the future of the team and our delivery.
• Client obsessed. Helping clients achieve their financial goals is what gets you up in the morning. We care deeply about the individuals and families we serve.
• Polished presentation and sufficient gravitas to quickly instill a client’s trust.
• Jargon‑free. Able to synthesize financial planning topics and explain them in ‘plain English’ to the general public.
• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights.
• Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.
• Fosters or supports a positive work culture and productive work environment, displaying the importance of effective relationships with customers and stakeholders.

Physical Demands

• Physical demands (ADA): The job requires a moderate degree of physical exertion and stamina such as standing, sitting, walking, driving or infrequent lifting.

Please note our realistic expected base pay rate for this role will be between $140,000 - $170,000 Flagstar is an Equal Opportunity Employer We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as appliable. Flagstar Bank, N.A. is based in Hicksville, NY, and at December 31, 2025, had $87.5 billion in assets, $60.7 billion in loans, $66 billion in deposits, and $8.1 billion in total stockholder equity. We are a leading regional bank with approximately 340 locations, and strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast. We are driven by our commitment to partner with our clients to set and reach goals together, helping them to take charge and thrive. Our focus is on four core lines of business that include Personal, Private, Small Business and Corporate & Commercial Banking. Flagstar Bank is committed to ensuring that you can successfully engage in our recruiting process. Equal Opportunity Employer For more Information: EEOC_KnowYourRights Member FDIC/Equal Housing Lender