Wealth Planner Director HNW

The Director, HNW Wealth Planner provides advanced financial planning, cross-border tax strategy, and holistic wealth guidance for high-net-worth (HNW) domestic and international clients within a broker-dealer environment. This role partners with financial advisors, relationship managers, and product teams to deliver customized planning solutions covering multi-jurisdictional tax considerations, estate planning, wealth transfer, philanthropic strategies, and investment-related tax optimization. The ideal candidate blends deep financial planning expertise, strong U.S. and international tax knowledge, and the ability to communicate complex matters to sophisticated global clients. Deliver comprehensive, goals-based wealth plans for high-net-worth (HNW) and ultra-high-net-worth (UHNW) individuals, families, and closely held entities within the U.S., including clients with complex domestic and cross-border considerations Analyze client objectives related to retirement planning, cash flow modeling, liquidity events, education funding, risk management, estate planning, and multigenerational wealth transfer. Develop customized planning strategies incorporating strategic asset allocation, tax-aware portfolio construction, concentrated equity management, alternative investments, and insurance solutions. Prepare client-ready deliverables, including financial plans, scenario analyses, and portfolio strategy presentations for advisors and clients. Provide advanced guidance on U.S. federal and state tax considerations affecting HNW/UHNW clients, including income, capital gains, estate, and gift tax planning. Evaluate tax implications of investment strategies, including equities, fixed income, municipal securities, alternatives, and retirement vehicles. Design and implement tax-efficient strategies such as asset location, tax-loss harvesting, charitable giving (e.g., donor-advised funds, private foundations), and estate planning structures. Collaborate with internal and external partners (CPAs, attorneys) to support complex planning strategies, including trusts, gifting programs, and business succession planning. Support planning needs for clients with cross-border exposure, including awareness of international tax considerations (e.g., foreign assets, residency, reporting requirements). Act as a subject matter expert and advanced planning partner to financial advisors serving HNW and UHNW clients. Participate in client meetings to present planning strategies, articulate tax implications, and provide actionable recommendations. Partner with internal teams—including investments, trust & estate, lending, and insurance specialists—to deliver integrated wealth management solutions. Collaborate with international wealth planning teams and external advisors to address cross-border planning needs for globally connected clients. Regulatory, Compliance & Documentation Ensure all recommendations align with U.S. regulatory standards, including SEC, FINRA, and Regulation Best Interest (Reg BI). Maintain thorough documentation supporting suitability, fiduciary considerations, and tax assumptions. Support due diligence processes, including KYC/AML requirements, product suitability, and client risk profiling. Education & Thought Leadership Educate advisors on U.S. wealth planning strategies, tax‑efficient investing, retirement planning, and estate planning techniques relevant to HNW/UHNW clients. Develop internal tools, planning frameworks, and case studies to enhance advisor capabilities. Contribute to thought leadership on U.S. wealth trends, tax law changes, and planning strategies for HNW/UHNW clients. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor’s degree in Finance, Business, or related field (or equivalent experience) – Required. 9+ years of experience in wealth planning, financial advisory, or private wealth management within the U.S. market, with a focus on HNW/UHNW clients. Deep knowledge of U.S. tax rules (income, estate, gift, and investment taxation). Experience working with HNW/UHNW client structures, including trusts, estates, family offices, foundations, and closely held businesses. Strong financial modeling, analytical, and client communication skills. Demonstrated leadership, relationship management, and collaboration skills. Strong understanding of U.S. wealth management products, services, and competitive landscape. Certifications: Active FINRA Series 7 required - Required. Active Series 66 (or Series 63 and 65) licenses - Required. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. Experience working in a broker‑dealer or registered investment advisor (RIA) environment. Familiarity with financial planning software (e.g., eMoney, MoneyGuidePro) and Microsoft Office Suite. Professional designations such as CFP®, CPA, CFA, or CTFA – preferred. #J-18808-Ljbffr Santander