Sr. Associate, Financial Advisor

Key Responsibilities

• Serve as a senior investment advisor to clients and prospects, providing advice across advisory and brokerage solutions.
• Conduct comprehensive client discovery to assess investment objectives, financial profile, risk tolerance, liquidity needs, income needs, time horizon, tax considerations, investment experience, and product preferences.
• Recommend appropriate investment strategies, products, and account structures based on client needs and applicable regulatory standards.
• Deliver portfolio reviews, investment proposals, market updates, and product-specific recommendations.
• Help clients understand the differences between advisory and brokerage relationships, including fees, discretion, service model, product access, conflicts, and regulatory obligations.
• Maintain ongoing client engagement to review portfolio positioning, market developments, risk exposure, and changes in client circumstances.

Sales, Revenue, and Business Development

• Grow investment assets, advisory AUM, brokerage revenue, and overall client penetration.
• Develop and manage a disciplined pipeline of client and prospect opportunities.
• Partner with Private Bankers, Relationship Managers, and other referral sources to identify and convert investment opportunities.
• Deepen existing relationships by identifying unmet investment needs and recommending appropriate solutions.
• Support client acquisition and retention through strong investment expertise, relationship management, and execution follow-through.
• Meet or exceed assigned goals related to revenue, AUM growth, client activity, referrals, and business development.

Managed Accounts and Advisory Solutions

• Advise clients on Managed Account solutions, including UMA, SMA, model portfolios, mutual fund advisory programs, ETF portfolios, and third-party manager strategies.
• Position advisory solutions for clients seeking ongoing portfolio management, asset allocation, rebalancing, professional management, and fee-based advice.
• Aid clients in selecting appropriate advisory programs, investment models, managers, strategies, and risk profiles.
• Review advisory relationships periodically to ensure continued alignment with client objectives, risk tolerance, and financial circumstances.
• Support advisory growth by transitioning clients into Managed Account solutions where appropriate and in the client's best interest.

Brokerage Solutions

• Advises clients on brokerage products, including equities, fixed income, structured products, alternatives, CDs, mutual funds, ETFs, and other approved investment products.
• Identify situations where brokerage may be more appropriate than advisory, including transactional needs, fixed income portfolios, concentrated positions, structured product exposure, alternative investments, or customized investment preferences.
• Support client needs related to income generation, liquidity management, capital preservation, diversification, tactical opportunities, and portfolio construction.
• Maintain strong knowledge of product features, risks, costs, liquidity, complexity, concentration, and suitability considerations.
• Ensure brokerage recommendations are properly documented and aligned with client best interest standards.

Portfolio Construction and Investment Strategy

• Develop investment recommendations based on client goals, risk profile, market environment, asset allocation, and platform capabilities.
• Review client portfolios for concentration risk, allocation gaps, liquidity needs, income shortfalls, tax considerations, and diversification opportunities.
• Coordinate with internal investment specialists, product teams, and platform resources when specialized expertise is required.
• Translate market views and investment themes into actionable client recommendations.
• Deliver clear explanations of investment rationale, product risks, fees, performance expectations, and portfolio trade-offs.

Risk, Compliance, and Documentation

• Maintain strong documentation of client objectives, recommendations, investment rationale, account type selection, suitability, and best interest considerations.
• Operate in accordance with firm policies, supervisory procedures, Reg BI, suitability standards, fiduciary obligations where applicable, and applicable securities regulations.
• Escalate complex product, client, suitability, disclosure, or operational issues to appropriate supervisory or control partners.
• Maintain awareness of product eligibility, concentration limits, liquidity considerations, disclosure obligations, and client communication standards.
• Complete required training, continuing education, licensing requirements, and compliance attestations.

Internal Partnership

• Partner with Private Bankers, Relationship Managers, Product, Supervision, Compliance, Operations, Trading, and Managed Account platform teams.
• Act as a senior investment resource for internal partners seeking guidance on client investment opportunities.
• Support business initiatives related to advisory growth, brokerage retention, client segmentation, and platform adoption.
• Mentor or guide less experienced team members where appropriate, while remaining primarily focused on client advice and revenue generation.