Senior Financial Planner, CFP® – Private Banking

Flagstar Bank

. Provide comprehensive, goals-based financial planning to high-net-worth and ultra-high-net-worth individuals and families .

Posted 9/15/2026full-timePalo Alto • California • United StatesSenior💰 $140,000 - $170,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in comprehensive financial planning for high-net-worth clients, including cash flow modeling, tax-efficient strategies, and wealth transfer. Strong ability to build client relationships and present complex financial concepts clearly.

Highest-signal resume keywords

CFP® CertificationFinancial Planning Software ExperienceWealth Management ExpertiseClient Relationship ManagementCompliance Training

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Cash Flow ModelingRetirement Distribution StrategiesTax-Efficient Wealth TransferPhilanthropic PlanningEducation FundingConcentrated Position AnalysisLiquidity Event PlanningFinancial Planning Analysis PreparationRegulatory ComplianceStakeholder Relationship Building

Soft Skills

Effective CommunicationRelationship BuildingPresentation SkillsCollaborationClient Education

Tools & Technologies

CRM ToolsFinancial Planning Software

Certifications & Qualifications

CFP® CertificationCPACTFACEPA

Industry Keywords

High-Net-Worth ClientsWealth ManagementFinancial PlanningRegulatory CompliancePlanning Best Practices

About the role

Key responsibilities & impact

Provide comprehensive, goals-based financial planning to high-net-worth and ultra-high-net-worth individuals and families
Partner with bankers and advisors to deliver planning analyses and recommendations
Prepare multi-scenario cash flow modeling, retirement distribution strategies, tax-efficient wealth transfer, philanthropic planning, education funding, concentrated position analysis, and liquidity event planning
Translate client goals into actionable planning recommendations
Participate in client meetings and present complex financial planning concepts and recommendations
Build trusted client relationships and identify evolving planning opportunities
Serve as a financial planning ambassador and in-house expert across the Private Bank
Educate bankers on planning applications and timely planning topics
Participate in external presentations, seminars, and business development initiatives
Stay current on planning best practices and regulatory considerations
Collaborate with the Family Advisory team and investment, insurance, and lending specialists
Perform special projects and additional duties as required
Complete required compliance training and maintain regulatory compliance

Requirements

What you’ll need

Undergraduate Degree (4 years or equivalent)
8+ years of experience in financial planning or wealth management
CFP® certification or active progress toward designation
Experience working with financial planning software and CRM tools
Experience working with HNW clients preferred
CPA, CTFA, or CEPA helpful but not required
Ability to prepare and deliver comprehensive financial planning analyses
Ability to present complex financial planning concepts clearly to clients
Ability to build and maintain effective relationships with stakeholders
Moderate physical exertion and stamina, including standing, sitting, walking, driving, or infrequent lifting
Compliance with applicable federal, state, and local laws and regulations

Benefits

Comp & perks

Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Comprehensive leave program
Variable incentives, bonuses, commissions, or other awards may be included in total compensation