AWM, GS Ayco, Financial Advisor, Vice President- Pittsburgh

Goldman Sachs•Pittsburgh, PA

1d•Onsite

About The Position

We are seeking a seasoned and highly motivated Senior Financial Planner/Advisor to join our team, serving ultra-high net worth individuals, families, and family office clients. This role demands a unique blend of investment expertise, advanced tax knowledge, estate planning acumen, insurance proficiency, and exceptional interpersonal skills. The ideal candidate will act as a trusted advisor and strategic partner to C-suite executives and multi-generational families, delivering comprehensive wealth management solutions while driving business growth.

Requirements

Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint, Outlook)
Hands-on experience with eMoney Advisor financial planning software
Familiarity with performance reporting platforms
Advanced financial modeling capabilities (cash flow projections, Monte Carlo simulations, scenario analysis)
Elevated written and verbal communication skills – Ability to distill complex financial, tax, and estate concepts for sophisticated audiences
Commercial mindset – Proven ability to identify and convert business development opportunities
Exceptional attention to detail – Accuracy in tax preparation, financial modeling, and compliance documentation
Ability to operate in a fast-paced environment – Skilled at prioritizing competing client needs and managing multiple complex engagements simultaneously
Collaborative leadership – Effective at coordinating across internal teams and external professional networks (attorneys, CPAs, insurance specialists)

Nice To Haves

Investment expertise
Advanced tax knowledge
Estate planning acumen
Insurance proficiency
Exceptional interpersonal skills

Responsibilities

Provide holistic financial planning and wealth advisory services, including investment management, tax planning, estate planning, risk management, and cash flow analysis
Counsel C-suite executives and high net worth families with a consultative, solutions-oriented approach
Proactively identify opportunities to deepen client relationships and grow revenue through new business development and referral generation
Perform comprehensive analysis of company-offered employee benefits for C-suite clients, including 401(k) and Qualified Retirement Plans, Non-Qualified Deferred Compensation (NQDC) Plans, Equity Compensation and Equity-Aware Strategies, and Health and Insurance Coverages
Analyze retirement and separation packages, including severance terms, accelerated vesting provisions, COBRA continuation coverage, and pension and supplemental executive retirement plan (SERP) distribution options and rollover strategies
Counsel clients on transitioning benefits into retirement, including Medicare and Social Security claiming strategies, and retiree health and insurance planning
Assess client risk tolerance through comprehensive profiling, utilizing quantitative questionnaires, qualitative discovery conversations, and behavioral finance insights
Design and build custom asset allocation models tailored to individual client objectives, including growth-oriented, income-focused, liability-driven, and goals-based frameworks
Construct, monitor, and rebalance diversified portfolios spanning all major asset classes, including fixed income, equities, and private markets
Make investment recommendations that are tax-efficient, including tax-loss harvesting, asset location optimization, municipal bond strategies, gain deferral and timing strategies, tax-efficient fund and vehicle selection, Qualified Opportunity Zone (QOZ) investments, and charitable giving integration
Evaluate and recommend alternative investment opportunities, co-investments, and direct deals appropriate for family office clients
Regularly review and recalibrate asset allocation models in response to changes in client circumstances, market conditions, risk tolerance shifts, and evolving financial goals
Deliver performance reporting and investment commentary to clients on a regular basis, benchmarking results against policy targets and relevant indices
Prepare and SIGN complex individual tax returns (Form 1040), including multi-state income sourcing, rental property reporting, private market and private partnership K-1 reconciliation, and self-employment income reporting
Have understanding of Gift Tax Returns (Form 709), Trust Tax Returns (Form 1041), and Partnership Returns (Form 1065 and Form 1120S)
Collaborate with external CPAs, tax attorneys, and estate planning counsel as needed
Ability to Prepare Tax Projections and advise and coordinate estimated payments on behalf of clients
Analyze and interpret client balance sheets to identify estate optimization opportunities for efficient wealth transfer and tax minimization
Demonstrate deep acumen in wealth transfer concepts, including trust structures, insurance-based wealth transfer strategies, and structuring trusts and dispositive terms
Serve as the client's strategic quarterback by understanding their goals and coordinating execution with estate planning attorneys through referral relationships
Help clients identify and define key parties and terms for core estate documents, including Last Will and Testament, Powers of Attorney (POAs), and Trust Agreements
Maintain thorough understanding of gifting rules and gift tax requirements, including annual exclusion amounts, lifetime exemption utilization, gift-splitting strategies, reporting requirements under Form 709, and strategic use of 529 plans, Crummey notices, and direct payments
Monitor evolving federal and state estate/gift tax legislation and proactively advise clients on planning adjustments
Assess clients' risk exposures and recommend appropriate insurance solutions, including Life Insurance, Long-Term Care Insurance, Annuities, and Property & Casualty Insurance
Coordinate with insurance carriers and specialists to implement and monitor coverage
Integrate insurance strategies with estate planning objectives
Build and maintain sophisticated financial models, including multi-year cash flow projections, retirement readiness analysis using Monte Carlo simulations, and scenario and sensitivity analyses for major liquidity events
Utilize eMoney and other planning platforms to deliver comprehensive financial plans