Senior Wealth Advisor

The Croghan Colonial Bank; Toledo (OH); On-site; USD 120,000 - 200,000; Full time

Benefits offered by this job

Annual incentive

Medical/Dental/Vision insurance

401(k) with company match

Life insurance

Disability insurance

Paid vacation and holidays

PTO

Job summary

The Croghan Colonial Bank is seeking a Senior Wealth Advisor in the Greater Toledo area to lead large, complex client relationships and guide fiduciary planning within our Wealth Management and Trust Department. The role emphasizes tax-aware wealth strategies, estate coordination, and governance-aligned decision-making.

Ideal candidates bring 8–10+ years of wealth-management experience, CFP/CPA preferred, and credentials such as JD/CTFA/CPWA/CFA/AEP are highly valued.

Qualifications

• Progressive 8–10+ years in wealth management or related fields.
• Ability to manage complex client relationships and fiduciary constraints.
• Credentials (CFP/CPA preferred; JD/CTFA/CPWA/CFA/AEP valued).

Responsibilities

• Lead large, complex relationships across multi-generational families and businesses.
• Coordinate estate planning, fiduciary duties, and tax-aware wealth planning.
• Provide senior-level planning and investment judgment within governance constraints.
• Mentor junior advisors and set documentation standards.
• Develop referral networks with attorneys, CPAs, and business leaders.
• Originate and convert significant new relationships.

Skills

Relationship management

Financial planning

Fiduciary judgment

Mentoring

Business development

Estate planning

Tax planning

Regulatory awareness

Education

Bachelor’s degree in finance or related

CFP and/or CPA preferred

JD/CTFA/CPWA/CFA/AEP or similar credentials

Job description

Senior Wealth Advisor - Greater Toledo Area, OH (Base salary + Incentive Compensation)

Position Summary

The Senior Wealth Advisor is an advanced client-facing professional responsible for leading larger, more complex, and strategically important relationships within Croghan Colonial Bank’s Wealth Management and Trust Department. The role is designed for a planning-oriented senior advisor who can integrate financial planning, tax-aware wealth strategy, estate planning coordination, investment discussions, fiduciary judgment, relationship management, business development, mentoring, and governance contribution. The position is similar in many respects to a senior or lead advisor in a planning-centric RIA, but it operates within a bank trust environment using Croghan’s fiduciary and trust capabilities. This is not a broker-dealer producer role, and securities licensing is not required for the core position unless Croghan separately assigns licensed activities through approved channels.

Primary Responsibilities

• Lead larger, more complex, higher-risk, multi-generational, business-owner, executive, concentrated-asset, charitable, sensitive, or strategically important relationships.
• Serve as the senior relationship presence when complexity, retention risk, fiduciary sensitivity, family dynamics, planning complexity, tax sensitivity, or reputational exposure requires advanced judgment.
• Develop relationship strategies across family members, entities, trusts, investment accounts, fiduciary structures, banking relationships, business interests, outside advisors, and next-generation stakeholders.
• Lead sophisticated client and professional-advisor conversations involving estate planning, wealth transfer, fiduciary obligations, liquidity needs, portfolio strategy, tax-aware coordination, retirement income, business succession, charitable planning, incapacity, family governance, and sensitive beneficiary matters.
• Apply advanced fiduciary judgment to governing documents, discretionary decisions, conflicts, beneficiary issues, complex distributions, unusual assets, account acceptance, account reviews, policy exceptions, and documentation requirements.
• Recognize when legal, tax, compliance, committee, executive, investment, or fiduciary specialist review is required and coordinate that review effectively.
• Provide senior-level planning and investment judgment where authorized, including portfolio construction review, risk assessment, cash-flow needs, concentrated positions, liquidity issues, tax considerations, and implementation tradeoffs.
• Exercise higher delegated authority where approved by bank policy and applicable governance processes.
• Originate, lead, and convert significant new relationships consistent with Croghan’s fiduciary capabilities, client-service capacity, planning strengths, and target market.
• Develop durable referral relationships with attorneys, CPAs, business advisors, commercial bankers, community leaders, and other centers of influence.
• Represent Croghan through professional, community, educational, and client-facing activities that build credibility and create new relationship opportunities.
• Mentor Wealth Advisors, Associate Wealth Advisors, and other client-facing or support professionals through case consultation, meeting preparation, debriefing, technical coaching, documentation standards, and client communication guidance.
• Contribute to standards for client reviews, planning quality, relationship segmentation, documentation, fiduciary escalation, client communication, business development, and professional development.
• Participate in or support fiduciary, investment, account-acceptance, risk, audit, regulatory, policy, or governance work as assigned.
• Identify process weaknesses, client-experience gaps, training needs, technology limitations, risk trends, and growth opportunities and recommend practical improvements.

Qualifications

• Bachelor’s degree in finance, business, accounting, economics, financial planning, law, taxation, or a related discipline preferred, or equivalent relevant experience.
• Eight to ten or more years of progressive experience in wealth management, RIA advisory work, financial planning, tax planning, estate planning, trust administration, fiduciary services, investment management, private banking, law, accounting, or a related discipline.
• Demonstrated success independently managing complex client relationships and making high-quality decisions under fiduciary, planning, investment, service, documentation, regulatory, and reputational constraints.
• Advanced technical competence across multiple wealth-management disciplines and the judgment to recognize when specialist, legal, tax, compliance, committee, or executive involvement is required.
• CFP and/or CPA strongly preferred for senior candidates. JD, CTFA, CPWA, CIMA, CFA, AEP, or comparable role-relevant credentials are also highly valued depending on the candidate’s experience and assigned responsibilities.
• Demonstrated ability to develop business, cultivate referral sources, lead major prospect opportunities, mentor others, influence without relying solely on title, and raise the quality of team decision-making.
• Securities licensing is not required for the core Senior Wealth Advisor role unless Croghan separately assigns licensed activity through approved channels.

Desired Skills, Knowledge, Abilities and Backgrounds

• Advanced planning-oriented professional with strong client relationship instincts and credible technical judgment.
• Particularly attractive backgrounds include CFP, CPA, JD, CTFA, CPWA, CIMA, CFA, advanced planning, tax, estate planning, RIA lead advisor, family office, private wealth, or senior fiduciary advisory experience.
• Able to lead business development in a relationship-based, fiduciary, planning-oriented manner rather than through transactional sales tactics.
• Credible with attorneys, CPAs, business owners, executives, multi-generational families, bankers, and community leaders.
• Willing to mentor others, share expertise, build team standards, and help institutionalize client relationships.

What We Offer -

• Fair, competitive salaries evaluated against benchmarked data on a normal basis
• Annual incentive compensation program
• Comprehensive benefits package including Medical, Dental, and Vision insurance
• 401(k) with a company match and additional annual contributions
• Bank provided Group Life Insurance, Short-Term and Long-Term Disability Programs
• Vacation, paid federal holidays, and additional PTO
• A community-based, hometown culture
• A collaborative environment supportive to continual growth and development

Who We Are -

Community Relationships are our priority, and our team here at Croghan Colonial Bank strives to help our communities have the most successful banking relationship possible. Founded in 1888, we proudly serve Sandusky, Erie, Huron, Lucas, Ottawa, Seneca Counties and beyond. Croghan is a recognized leader in community banking throughout the region and focuses on helping all community members achieve their financial goals. We partner with our community to understand financial goals and recommend products and services that help achieve them. We support our communities by providing financial education, sponsorships, and volunteering in our local markets. Partner with Croghan, where we're Helping Good People Make Good Decisions!

Join Croghan Nation! Work for us, and you will be working with us - an empowered group of individuals dedicated to the financial well-being of their customers.

Accepting applications until September 25th, 2026

Equal Opportunity and Aff... M/F/Disabled/Vet