Senior Financial Planner (CFP) - Private Banking

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

Job summary

Flagstar Bank's Private Bank seeks a Senior Financial Planner (CFP®) to lead delivery of comprehensive, goals-based financial planning for high-net-worth clients in Palo Alto. You will partner with bankers and advisors to translate client goals into actionable planning and recommendations, focusing on complex needs such as equity compensation and liquidity events.

The role is client-facing and execution-oriented, with collaboration across wealth management teams to deliver integrated solutions

Qualifications

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

Responsibilities

• Lead comprehensive financial planning delivery with multi-scenario cash flow modeling and liquidity planning.
• Present complex financial planning concepts in client meetings with bankers to drive decisions.
• Act as planning ambassador to support adoption of planning across the Private Bank.
• Collaborate with Wealth Advisors, Trust, Investment, Insurance, and Lending teams to integrate planning with solutions.

Skills

CFP certification

Financial planning

CRM tools

Client communication

Education

Undergraduate Degree (4 years)

Tools

CRM software

Financial planning software

Job description

Location

Palo Alto, CA 94301

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

Required Qualifications

• 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 (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. Please click the following link for detailed information: Benefits | Flagstar Bank

Pay Range

$74,020.50 - $194,005.00

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.