Senior Wealth Planner - Cogent Private Wealth - Cogent Bank
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Senior Wealth Planner – Cogent Private Wealth

 Job Summary

The Senior Wealth Planner plays a critical role within Cogent Private Wealth by delivering sophisticated, comprehensive financial planning solutions to high-net-worth and ultra-high-net-worth clients. This role partners closely with Wealth Advisors, Portfolio Managers, and other specialists to design, implement, and maintain holistic financial plans that align with clients’ long-term goals and complex financial needs. The Senior Wealth Planner serves as a subject matter expert in advanced planning areas including retirement, tax strategy, estate planning, risk management, and

About Cogent Private Wealth

Cogent Private Wealth is a Florida-based, fee-only, Registered Investment Advisor.  We offer comprehensive financial planning and investment management services.  Our combination of innovative wealth management tools, elite service, and market leading fee-structure are helping us move clients and our industry towards a bright future. 

Cogent Private Wealth is connected to Cogent Bank, a state-chartered commercial bank that offers a variety of financial services to businesses, business owners, and private banking clients.

Responsibilities and Duties

Client Financial Planning & Advisory

  • Lead the development and ongoing maintenance of comprehensive financial plans covering retirement planning, tax strategies, estate planning, insurance analysis, charitable giving, and wealth transfer strategies.
  • Conduct in-depth client discovery meetings to assess financial goals, risk tolerance, time horizons, and personal circumstances in collaboration with Wealth Advisors.
  • Translate complex financial concepts into clear, actionable recommendations tailored to each client’s objectives.

    Advanced Planning Expertise

    • Provide advanced planning support in areas such as tax optimization, estate and trust planning coordination, business owner planning, and multi-generational wealth strategies.
    • Coordinate with external professionals including CPAs, estate planning attorneys, and insurance specialists to ensure integrated and well-executed planning solutions.
    • Maintain an in-depth understanding of financial planning apps used by CPW and review of financial planning software and tools.

    Collaboration & Team Leadership

    • Partner closely with Senior Wealth Advisors as a core member of each client’s Wealth Management team.
    • Serve as a planning resource and mentor to Associate Wealth Advisors and Financial Planners, helping elevate planning standards and consistency across the team.
    • Participate in internal case reviews and planning strategy discussions to enhance client outcomes and team effectiveness.

    Client Relationship Management

    • Build and maintain strong, long-term client relationships through proactive communication, responsiveness, and high-touch service.
    • Participate in client review meetings to present planning updates, recommendations, and progress toward stated goals.

    Compliance & Reporting

    • Ensure all planning activities comply with regulatory requirements, internal policies, and fiduciary standards.
    • Maintain accurate documentation of financial plans, analyses, and client interactions.
    • Complete all required BSA/AML/OFAC training and adhere to Cogent Bank compliance protocols.

    Business & Practice Support

    • Support business development efforts by contributing planning expertise during prospect meetings and onboarding processes.
    • Assist in refining planning tools, templates, and processes to enhance scalability and client experience.
    • Adhere to all Cogent Private Wealth policies & procedures.
    • Ensures BSA compliance by reading and being familiar with the BSA/AML program/policy; following all BSA/AML/OFAC policies and procedures; and completing all BSA/AML/OFAC related online courses.
    • All other tasks, responsibilities, or duties, as directed by management.

    Qualifications and Skills

    • Minimum of 5+ years of experience in comprehensive financial planning, preferably serving high-net-worth clients.
    • Professional designations are strongly preferred (CFP®, CPWA®, CPA, EA, CFA®, or similar).
    • Deep understanding of financial planning principles, tax planning, estate strategies, investment concepts, and insurance solutions.
    • Proficiency with financial planning software and analytical tools.
    • Exceptional communication, interpersonal, and presentation skills.
    • Strong ethical standards and commitment to acting in clients’ best interests at all times.

    Click Here to Apply

    Cogent Bank is an Equal Opportunity Employer.