Wealth Advisor

Job Summary

The Wealth Advisor builds and maintains strong relationships with high‑net‑worth clients and their families through comprehensive financial planning, progressive investment strategies, and personalized service. This role analyzes each client’s financial circumstances and goals, recommends appropriate financial products and strategies, and conducts ongoing account reviews. The Wealth Advisor also drives practice and program growth through business development, community visibility, and collaboration with credit union leaders. The Wealth Advisor reports to the Program Manager.

About UFCU

UFCU was founded in 1936 and serves members throughout Texas and beyond. The credit union is purpose‑driven to empower members to achieve financial success and build brighter futures. Core values include being member‑obsessed, reimagining possibilities, and upholding performance excellence rooted in unwavering integrity.

Essential Functions

Client Relationship Management and Service

• Engage existing clients to deepen and maintain relationships, positioning the institution as the primary provider for investment, banking, and borrowing needs.
• Develop relationships with clients’ families and beneficiaries to support continuity of accounts across generations.
• Conduct periodic account reviews, meeting with clients at least annually (or more frequently as needed) to update financial information and evaluate progress toward objectives.
• Collect client financial information in person or via approved remote channels, including assets, income, liabilities, cash flow, tax status, investment objectives, and goals.

Financial Planning and Investment Advice

• Analyze client financial information, objectives, and goals to determine suitable financial products and strategies.
• Compare investment options, identify potential investments and strategies, and evaluate market conditions and transaction timing.
• Advise clients on advantages and disadvantages of financial products, explaining relevant investment, tax, and securities considerations.
• Execute purchases and sales of financial products resulting from advice and meet established activity, production, and sales goals.

Practice and Program Growth

• Collaborate with credit union executives, the Program Manager, and Financial Center Managers to implement business development initiatives and identify cross‑sell opportunities.
• Develop and update a business plan with the Program Manager and maintain consistent office hours.
• Maintain visibility with public audiences through educational workshops and seminars on topics such as Social Security, education planning, and retirement planning.
• Identify and develop relationships with wholesalers; represent the firm and the financial institution with major clients, industry organizations, regulatory bodies, and other key external parties.

Professional Knowledge and Development

• Monitor and analyze market conditions; stay current on financial and investment vehicles and their tax and securities consequences.
• Complete required training and continuing education; maintain current knowledge of available investment products and services.
• Meet regularly with the Program Manager and participate in additional training as needed.
• Provide guidance on basic daily duties when assigned a sales associate or when partnering with an Investment Associate, consistent with policies and applicable laws.

Other

• Adhere to all company policies, procedures, and business ethics codes.
• Complete required regulatory training as assigned.
• Maintain strict compliance with all applicable laws, regulations, and internal controls, including Bank Secrecy Act, Anti‑Money Laundering, USA PATRIOT Act, OFAC, Fair Lending, FINRA, SEC, and broker‑dealer rules.

Knowledge, Skills, and Abilities

Knowledge

• Advanced knowledge of financial planning concepts, including wealth accumulation, protection, transfer, and tax efficiency.
• Advanced knowledge of investment products, services, financial markets, and associated tax and securities considerations.
• Knowledge of applicable credit union, securities, broker‑dealer, and regulatory requirements.

Skills

• Advanced financial analysis and investment planning skills.
• Exceptional relationship development, consultative sales, and business development skills.
• Strong presentation and public‑speaking abilities for client conversations, group presentations, workshops, and seminars.
• Excellent written and verbal communication, including interpreting product information and preparing reports.
• Intermediate Microsoft Excel proficiency; proficient with Outlook, Word, PowerPoint, and Adobe.

Abilities

• Independently exercise judgment and make sound business decisions.
• Translate complex financial information into clear, personalized recommendations.
• Evaluate multiple variables, client circumstances, and market conditions when developing recommendations.
• Perform calculations using whole numbers, common fractions, and decimals.
• Maintain a strong work ethic, consistent office hours, and follow‑through on established goals.

Core Competencies

• Demonstrating Member Obsession – puts themselves in the member’s shoes, looks for friction points, makes interactions personalized and easy.
• Demonstrating Performance Excellence – sets standards, ensures quality, takes responsibility, drives continuous improvement.
• Demonstrating Innovation – challenges current thinking, approaches change with a positive mindset.

Minimum Requirements

• High School Diploma or equivalent.
• FINRA Series 7 and Series 66 or Series 65 licenses.
• State Life and Health Insurance licenses.
• Strong grasp of advanced financial planning concepts at a Certified Financial Planner (CFP) or equivalent level.
• In‑depth investment knowledge and ability to apply sophisticated financial planning techniques related to wealth accumulation, protection, transfer, and tax efficiency.
• Must be bondable and able to satisfy criminal history disclosure and fingerprinting requirements.

Preferred Requirements

• At least five years of licensed registered representative sales experience.
• Certified Financial Planner designation or a similar advanced professional designation.

Physical Demands

• Frequent sitting, using hands to finger, handle or feel, reaching with hands and arms, and talking or hearing.
• Close, distance, peripheral vision, and ability to adjust focus are required.
• Extensive use of telephone and virtual communications to explain complex information effectively.

Work Environment

• Primarily onsite at UFCU Plaza in Austin, Texas.
• May involve periodic stressful conditions, occasional adjusted work schedule, overtime, and evening/weekend hours.
• Occasional relocation between work locations/branches.
• Public‑contact position requiring professional appearance.
• Frequent computer use at a workstation (up to two hours at a time); noise level usually quiet.