Lead Financial Advisor - Federal Retirement Planning

Overview

This role supports retirement planning for federal employees through a fee-only, fiduciary approach. The organization provides qualified households through existing marketing efforts, so there is no prospecting, quota, cold outreach, or networking required.

Planning is the core product: clients receive comprehensive recommendations and decide whether to implement on their own or with the team.

Responsibilities

• Deliver comprehensive financial plans for households that have already requested guidance.
• Present plans to clients and make honest recommendations regarding ongoing relationship and implementation.
• Own and serve a book of federal retiree households, including proactive follow-through.
• Construct, present, and implement retirement, tax, and distribution strategies using industry-standard planning software.
• Serve as a technical planning anchor by maintaining clean case preparation, data integrity, and scalable planning workflows.
• Provide retirement planning expertise for federal careers, including coordination of key benefits and timing considerations.

Requirements

• Minimum of 10 years of comprehensive financial planning experience, preferably within an RIA or independent wealth management environment.
• CFP certification is strictly required and must be active.
• Deep, mastery-level knowledge of tax-aware retirement distribution planning, including:
  • bracket management
  • Roth conversion sequencing
  • withdrawal order
  • IRMAA
• Expert-level command of an industry-standard financial planning platform and a CRM. Examples of supported platforms include eMoney, RightCapital, or MoneyGuidePro.
• Strong presentation and interpersonal skills, with a proven track record of building deep trust with clients.
• Demonstrated ability to explain complex concepts clearly to smart, detail-oriented clients.
• Coachable, with judgment aligned to a documented methodology.

Preferred Qualifications

• Federal benefits experience (bonus).

Licenses and Registrations

• Series 65, or Series 66 combined with Series 7, or eligibility for state registration as an investment adviser representative through your CFP certification.
• No insurance licensing required, and none expected (fee-only).

Compensation & Benefits

• Base salary: $130,000 to $160,000, depending on experience
• Performance bonus: $35,000 to $50,000 target, tied to:
  • client retention
  • plan delivery quality
  • households who choose to stay with the organization
  • (Not tied to prospecting activity)
• Health coverage and a 401(k) with company match are being put in place now and will be active before your start date.
• CFP dues, continuing education, and one industry conference every year.
• Real paid time off.

Location

• Office location: Sierra Vista, Arizona.
• In-person is the strong preference.
• Remote hiring is possible for exceptional candidates:
  • A remote hire spends their first two weeks on-site.
  • Then visits a few times a year.

Application Process

• Submit your resume.
• Submit a two-minute video (phone is fine) introducing yourself and walking through one planning concept you find genuinely interesting.
• After review: a 30-minute conversation, followed by an anonymized federal case recommendation presentation step (time is compensated at $500).