CFP - Paraplanner

Job Description Summary

Provides fiduciary, compliant, and high-quality financial planning and investment guidance through comprehensive planning conversations with members and financial advisors. Develops tailored financial plans by gathering and analyzing client data using specialized planning software, ensuring recommendations are relevant, appropriate, and aligned with Board of Certified Financial Planning standards.

Conducts investment research and analysis, coordinates member service needs with internal teams, and builds strong relationships with advisors and members to deliver holistic planning solutions that support member retention, growth, and long-term financial success.

Essential Duties and Responsibilities

• Provides comprehensive financial planning services, including retirement, investment management, tax-efficient strategies, insurance, and estate planning coordination.
• Designs and manages personalized financial plans using advanced planning software.
• Conducts in-depth financial reviews assessing goals, risk tolerance, cash flow, assets, and liabilities.
• Gathers, analyzes, and maintains member financial data, reports, and documentation, including risk tolerance and financial goals, to support planning, proposals, and portfolio reviews.
• Develops, presents, and implements customized financial plans aligned with member goals, values, and life stages.
• Prepares financial analyses, scenario modeling, and visual presentations (charts, graphs, histograms) to support informed decision-making.
• Tracks member progress, monitor portfolios, rebalance as needed, and communicate performance and key wealth milestones.
• Delivers fiduciary recommendations in full compliance with CFP Board standards, NCUA regulations, and Credit Union policies.
• Partners with Financial Advisors in client meetings to present plans, answer questions, and address member needs.
• Collaborates across departments and with external partners to deliver holistic solutions and optimal outcomes.
• Proactively identify planning, investment, insurance, and credit union product opportunities within advisor books of business.
• Maintains detailed client records and databases, including follow-up actions and tax planning strategies, including, but not limited to; Roth conversions and beneficiary distributions.
• Performs ongoing plan updates based on reviews, life events, or advisor/member requests.
• Supports audits, compliance reviews, and internal reporting requirements.
• Assists in developing workflows, procedures, and initiatives to improve efficiency and enhance the member experience.
• Contributes to product development, innovation, and strategic initiatives that expand holistic planning capabilities.
• Provides education to advisors and members on financial planning concepts, tax law updates, and holistic strategies.
• Participates in member education initiatives, including seminars, workshops, webinars, and one-on-one coaching.
• Builds long-term member relationships through proactive outreach, ongoing reviews, and a white-glove service approach.
• Supports the Credit Union's mission by promoting financial literacy and member financial empowerment.
• Stays informed on market trends and regulatory changes impacting member financial plans.

Company Wide Expectations

• Maintains a professional image and demeanor at all times, consistently demonstrating Credit Union RISE Values and adhering to the Code of Ethics.
• Delivers friendly, caring service to internal and external members.
• Complies with all applicable State, Federal and NCUA rules and regulations and all Credit Union policies and procedures.
• Follow all physical and online security procedures and maintain strict confidentiality of all member information.
• Completes all required regulatory and compliance training and maintains required knowledge of Credit Union products and services.
• Works scheduled hours and maintains punctuality.
• Performs other related duties as assigned or requested.

Minimum Qualifications

• To perform this job satisfactorily, an employee must be able to carry out each essential duty competently. The requirements listed below are representative of the education, experience, skills and abilities required.
• An equivalent combination of education and experience may be considered.

Education Requirements

• 4 Year / Bachelors Degree - Finance, Accounting, Economics or Business Related Field - Required
• CFP® certification in good standing - Required

Finra

Series 7 license, Series 63 and 65 OR Series 66 and Life and Health Insurance License - Preferred

Experience Requirement

• 3 Years - Experience in financial planning, wealth management, or advisory services while utilizing financial planning software - Required
• Knowledge of retirement plans, investments, insurance products, and basic estate planning principles - Required

Experience working with third-party wealth management partners - Preferred

Skills/abilities

• Effectively apply internal and external customer service practices and processes to meet quality service standards and achieve member satisfaction.
• Learn and apply information, on a wide range of Credit Union products, services and regulatory compliance requirements, in order to assess member situations and develop solutions.
• Resolve problems utilizing advanced knowledge and experience.
• Ability to build trust with diverse member populations.
• Strong analytical and organizational skills.
• Communicate in a professional manner and deliver information clearly and effectively. Actively listen to questions, opinions and ideas of others. Use tact and diplomacy in sensitive and confidential situations.
• Use correct English including spelling, grammar and punctuation.
• Operate computers, scanners, copiers, optical imaging, mail and other related standard office and processing equipment.
• Understand and follow written and oral instructions.
• Set priorities and manage one's own time effectively.

Physical Requirements

• Intermittent standing, sitting, walking, bending and climbing.
• Using hands repetitively to handle, feel or operate computers and other standard office equipment.
• Reaching with hands and arms.
• Intermittent lifting and carrying up to 25 pounds.