Associate Financial Planner: Retirement Income Planning

Peak Financial Planning

12d • $65,000 - $72,000 • Remote

About The Position

Peak Financial Planning is hiring an Associate Financial Planner, a technical role on their planning team designed to grow into a full Financial Planner position within approximately one year. This role does not involve sales quotas, prospecting, or client acquisition. The focus is on building expertise in retirement income planning, leveraging existing financial services experience. Peak Financial Planning is a fee-only RIA specializing in retirement income planning, providing advice and delivering actionable plans. Clients engage in a four-month retirement planning process covering Social Security timing, tax-aware withdrawal sequencing, healthcare planning, Roth conversions, and investment alignment. The planning team prepares analysis and materials to support advisors in client meetings, adhering to a high standard of preparation. The firm emphasizes training through an internal knowledge base organized around planning decisions, enabling employees to learn how to think through plans rather than just software operations. This role offers exposure to complex plans, including bracket management, IRMAA cliffs, ACA subsidy tradeoffs, and withdrawal sequencing across various account types, from the initial months of employment.

Requirements

• 1 to 2 years of experience in financial services: RIA operations, paraplanning, custodian service, tax preparation, or closely related work.
• Working knowledge of account types, custodial paperwork, and client financial data.
• Currently pursuing CFP education, or committed to enrolling.
• High attention to detail. Small errors in planning compound.
• Able to work efficiently and accurately through repetitive, detail-heavy tasks during an extended training period.
• Strong spreadsheet skills and comfort learning new software quickly.
• Clear written communication.
• Coachable. You want feedback and you act on it.
• Self-directed enough to work remotely and manage your own time.
• Experience using various financial planning software.

Nice To Haves

• Experience using IncomeLab, Holistiplan, Nitrogen/Riskalyze.
• Experience at a planning-focused or fee-only firm.

Responsibilities

• Enter and organize client data accurately in IncomeLab, Holistiplan, and HubSpot.
• Set up new client plans in IncomeLab, from account structure through initial projections.
• Gather and reconcile investment and account information across Altruist and client-provided statements.
• Run analysis in the software: retirement projections, tax scenarios, Roth conversion comparisons, Social Security timing.
• Prepare materials that support advisor prep for Peak's planning meetings.
• Flag missing data, inconsistencies, and open questions before they reach a planner or a client.
• Work inside Peak's planning checklists, SOPs, and QA process.
• Over time, move from setting up plans to building them.

Benefits

• Employer health insurance contribution
• 401(k) match
• CFP education reimbursement (coursework, exam prep, exam costs, and first-year certification fee after one year of employment)
• Clear path to Financial Planner within about 12 months, with compensation moving into the Financial Planner band.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: No Education Listed