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Senior Clarfeld Advisor

Wealth and Asset Management, Finance and Accounting

Iselin, New Jersey

Req. Number: 225031

Full/Part Time: F

Shift: 1st Shift

Description

Clarfeld|Citizens Private Wealth headquartered in Westchester, New York, with 13 regional offices across the country, is a leading wealth management firm. For more than three decades Clarfeld’s team of CFAs, CPAs, attorneys and CFP®s provide full investment and wealth management services; comprehensive income tax and estate tax planning, structuring, compliance and governmental representation capabilities; and highly personalized concierge family office services. Clarfeld offers innovative solutions crafted for the sophisticated needs of high-net-worth individuals, families and foundations and has cultivated long-lasting client relationships through multiple market cycles. Clarfeld presently manages and advises on over $17 Billion in assets; offering a wide scope of services, expertise and research, while intimately focusing on each client’s unique circumstances.

In your role you will partner across consumer and commercial banking departments to actively look for cross-service and business development opportunities. This partnership will support your efforts to acquire and manage a book of ultrahigh net worth clients and families. You will be the primary point of contact on client relationships while still being able to delegate, but be responsible for, the preparation, finalization, and follow through with all work products for clients. As a Clarfeld Senior Advisor, you will directly engage with clients to understand their needs, goals, and risk tolerance; analyze and evaluate their current financial situation utilizing a holistic approach, including cash flow, asset allocation, risk management, estate and tax planning; develop a comprehensive financial plan and provide recommendations and customized advice; assist with implementation and monitoring of the overall plan. You will support and act as a liaison to local geographic markets by working with retail, business banking, mortgage and wealth partners. As part of your role, you will visit with local markets to present various financial planning topics to the wealth team; approve new investment engagements and assist in client on boarding; develop new relationships with commercial banking partners to cross sell services; and act as a complete resource for financial planning engagements. You must be able to effectively communicate with all levels of staff and management with the group, present and communicate in-depth analysis of the client’s financial position and have a working knowledge of all services provided by Clarfeld Citizens Private Wealth Group and Citizens Bank.

o Investment Management

  • Establish investment goals, objectives and risk tolerance.
  • develop an investment policy statement and understand cash requirements.
  • Provide customized and holistic investment strategies based upon

strategic asset allocation and optimization techniques.

  • Implementation of investment strategies.
  • Monitoring of portfolios, performance and overall asset allocation.
  • Proactively engage with clients on portfolio results, recommendations and economic/market news.

o Financial Planning

  • Establish family goals and objectives while prioritizing short and long term needs.
  • Analyze and evaluate the client’s current situation including assets, liabilities, cash flow, investments, taxes, insurance and estate plans.
  • Identify strengths, weaknesses and possible planning opportunities.
  •  Develop a comprehensive and integrated financial plan with specific planning recommendations.
  • Assist with the implementation and monitoring of the overall plan.

o Estate and Trust Planning

  • As an integral part of the financial planning process, you will:
    • Review estate documents, beneficiary designations and asset

titling.

    • Develop and present customized strategies that minimize estate

taxes, maximize lifetime giving opportunities and protect assets

for future generations.

    • Incorporate and understand philanthropic goals and objectives.
    • Educate clients on various estate planning topics, strategies and

current developments.

    • Coordinate with the client’s estate attorney on implementation

and execution of documents

o Insurance and Asset Protection

  • As an integral part of the financial planning process, you will:
    • Assess adequacy of current coverages and provide integrated

solutions utilizing life insurance, long-term care insurance and

disability insurance products.

    • Educate clients on asset protection and wealth preservation

strategies.

o Deposits and Lending

  • Collaborate with Wealth Partners and Mortgage Lending Officers to provide banking and lending solutions including premium deposit and cash management services, mortgages and home equity lines of credit, securities-based lending and other tailored professional loan based programs.

Develop leads and referrals from existing clients.

Cultivate and maintain relationships with centers of influence (i.e. attorneys, bankers, accountants and other professionals) to develop new business.

Provide ongoing training, support and mentoring of colleagues to foster continuous growth and development.

Keep abreast of markets, planning opportunities, legislation and tax changes.

Qualifications

Education/Training/Experience:

  • 10+ years of financial advisor services experience
  • Financial knowledge and background                                                                                                                     
  • College or university degree       
  • CFP
  • Life Insurance License

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Benefits

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.

View Benefits

Awards We've Received

2022

Human Rights Campaign Best Places to Work for LGBTQ Equality

2021

Dave Thomas Foundation Best Adoption-friendly Workplace

2021

DiversityInc
Noteworthy Company for Diversity

2021

Military Friendly Employer

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