Investment Adviser Representative

About the role

The Investment Adviser Representative (IAR) / Financial Planning Advisor will work directly with existing clients and referrals to identify retirement planning, investment management, wealth accumulation, income planning, and insurance opportunities. This position focuses on helping clients create and implement comprehensive financial strategies while coordinating closely with our insurance team to deliver a holistic planning experience.

Responsibilities

• Conduct retirement planning and comprehensive financial review appointments
• Analyze existing investment accounts, retirement plans, and annuities
• Evaluate client goals, objectives, and risk tolerance
• Develop customized financial planning recommendations
• Present advisory solutions and investment strategies
• Absorb clients with retirement income planning and wealth preservation strategies
• Discuss legacy planning and long-term financial objectives
• Build and maintain long-term client relationships
• Conduct ongoing portfolio and financial plan reviews
• Serve as a trusted advisor throughout the client lifecycle
• Deliver exceptional client service and communication
• Maintain high client retention through proactive planning and support
• Generate planning opportunities from current insurance clients
• Collaborate with insurance producers on cross-referral opportunities
• Participate in client appreciation events, educational workshops, and seminars
• Develop centers of influence with attorneys, accountants, and other professionals
• Expand relationships through referrals and introductions

Requirements

• Active Series 65 registration
• Active Series 6 registration
• Minimum 2 years of advisory, financial planning, or investment experience
• Strong communication and relationship-building skills
• CRM proficiency
• Ability to work independently while following established processes
• Professional presentation and consultative approach

Preferred Qualifications

• Loves financial planning more than cold prospecting
• Enjoys conducting retirement reviews and uncovering opportunities
• Comfortable discussing investments, retirement income, taxes, risk management, and legacy planning
• Values warm leads and existing client relationships
• Can build trust quickly through education and consultation
• Wants to become a key contributor to the firm's long-term growth
• Thrives in a client-focused, relationship-driven environment

Compensation

• Base Salary: $42,000–$70,000 annually, depending on experience, licensing, and qualifications
• Advisory Revenue Compensation: 30% payout on first-year managed revenue, 35% payout after reaching annual production thresholds
• Revenue-sharing opportunities on advisory fees
• Additional compensation for life insurance and annuity production
• Performance Incentives: Bonus opportunities tied to: Assets Under Management (AUM) growth, Client retention, Advisory production, Planning activity metrics

Income Potential

• First Year Success Metrics:
• Complete onboarding and compliance training
• Review top 100 client households
• Conduct 25 financial reviews
• Submit initial advisory recommendations and cases
• Complete 50+ client reviews
• Generate $1 million–$2 million in new advisory assets
• Establish centers of influence and referral relationships
• Build a consistent planning activity schedule
• Generate $3 million–$5 million in net new advisory assets
• Maintain 90%+ client retention
• Become a trusted advisor within the firm's client base

Why Join Wuest Insurance & Financial Services?

• Established and respected client base
• Warm referral opportunities from existing relationships
• Integrated insurance and financial planning platform
• Competitive base salary plus revenue-sharing model
• Significant upside through AUM growth and production
• Supportive team environment
• Opportunity to become a lead advisor within a growing organization
• Ability to focus on planning and advice rather than pure prospecting

Who Will Thrive in This Role?

• Independent RIA advisors seeking greater growth support
• Bank advisors looking for more planning-focused opportunities
• Wirehouse advisors with smaller books seeking stronger lead flow
• Insurance-based advisors holding Series 65 or 66 registrations
• CFP® professionals looking for a platform to grow
• Retirement-focused advisors who enjoy deep client relationships