Shape the Future of Wealth Management

Executive Summary

Palmer Wealth Group™ is transforming into a distinguished wealth management firm serving sub-ultra high-net-worth clients. Affiliated with Commonwealth Financial Network®, the firm delivers bespoke investment solutions while maintaining advisory independence.

Our investment philosophy combines traditional expertise with quantitative methodologies, supported by strategic talent acquisition of certified professionals. Our proprietary Integrated Legacy Framework will be delivered through local Virtual Family Office (VFO) alliances.

The firm is expanding capabilities in business advisory and exit planning through specialized recruitment focused on business transition expertise. Our Commercial Wealth Management Division will establish innovative partnerships with payroll and HR firms, creating integrated solutions that enhance partners’ offerings through customized protocols.

Investment capabilities include direct Wrap MF programs, SMA/UMA implementations, closed-end funds, IPO access, fixed-income strategies, structured products, and alternative investments.

This strategic evolution positions Palmer Wealth Group™ as an essential partner in wealth creation, preservation, and transfer, serving contemporary wealth holders who require sophisticated, comprehensive solutions beyond traditional financial services.

Prime Directive

Lead Palmer Wealth Group’s exit planning practice helping business owners prepare for successful ownership transitions through readiness assessment, value enhancement, and coordinated transaction execution. Serve as the primary business transition specialist while integrating naturally with comprehensive wealth management – most owners require coordinated advice spanning exit strategy, investment management, estate planning, and tax optimization. Collaborate with the private wealth team to deliver unified client experiences rather than fragmented advice.

Opportunity

Core team members will thrive in our collaborative, flexible environment. This position offers:

• A culture dedicated to professional development embracing innovative exit planning methodologies and comprehensive business owner advisory approaches
• Flexible scheduling and work-life balance as a key member of our Commercial Wealth Management Division with clear specialization focus enabling deep expertise development
• Experience serving sophisticated business owners navigating complex transitions including sales to strategic buyers, private equity recapitalizations, management buyouts, ESOP implementations, and family succession
• The ability to build a sustainable exit planning practice with natural pathways to comprehensive wealth management relationships as business owners monetize their largest asset
• Direct impact on business owner outcomes through proactive planning that maximizes transaction value, minimizes tax burden, and ensures successful post-exit life transitions

About the Position

The Exit Planning Advisor serves as Palmer Wealth Group’s business transition specialist within the Commercial Wealth Management Division, combining business development excellence with deep expertise in exit readiness assessment, value enhancement, and transaction coordination. This role operates alongside the Retirement Plan Advisor, serving business owner clients whose transition needs integrate naturally with comprehensive wealth management, retirement planning, and estate strategies.

Exit planning rarely exists in isolation—business owners face interconnected decisions about valuation, deal structure, tax optimization, wealth investment, and post-exit purpose. The Exit Planning Advisor identifies integration opportunities and coordinates engagement with the Wealth Advisor, Wealth Manager, and Wealth Planner, ensuring unified advice rather than fragmented counsel from disconnected specialists.

Primary responsibilities span four dimensions: business development through strategic networking with transaction professionals and business owner centers of influence; exit readiness and value enhancement assessing preparedness and implementing strategies that increase business attractiveness; transaction coordination orchestrating VFO partner involvement throughout deal processes; and cross-practice collaboration facilitating engagement when owners require comprehensive wealth management.

Responsibilities

Strategic Exit Planning Practice Development

• Drive practice growth through targeted business development including networking with transaction professionals (investment bankers, M&A attorneys, business brokers, CPAs), educational programming demonstrating thought leadership, and relationship cultivation with business owners who value proactive planning over reactive transaction scrambles.
• Build referral networks with professionals who encounter business owners before transition decisions crystallize. Coordinate potential VFO partnerships with transaction specialists through the Family Office Director.

Exit Readiness Assessment and Value Enhancement

• Conduct comprehensive exit readiness assessments evaluating business attractiveness, owner preparedness, financial readiness, and timing considerations. Identify gaps between current state and optimal positioning across dimensions including revenue concentration, management depth, documented systems, and owner role dependencies.
• Develop value enhancement strategies addressing identified gaps and guide owners through multi-year enhancement journeys when immediate exits would sacrifice significant value. Help owners understand realistic valuation expectations based on market conditions and business-specific factors.

Transaction Coordination and VFO Partner Orchestration

• Coordinate VFO partner involvement throughout transactions including investment banker selection, M&A attorney engagement, tax advisor coordination for deal structure optimization, and wealth advisor integration for proceeds planning. Serve as the owner’s strategic coordinator ensuring all professionals work toward aligned objectives.
• Maintain relationships with transaction professionals, facilitate client introductions, and provide input on VFO partnership evaluation for transaction-related partners.

Cross-Practice Integration and Collaboration

• Partner with Wealth Managers and Wealth Planners to integrate exit planning with broader financial strategies. Facilitate warm handoffs when business owners require comprehensive wealth management. Coordinate with Retirement Plan Advisor when exits involve qualified plan considerations.
• Operate with substantial autonomy in exit planning methodology, value enhancement strategies, and business development. Coordinate with specialists when opportunities extend beyond exit planning scope, and with leadership on pricing or strategic decisions outside standard parameters.

Qualifications and Skills

Required Credentials

• Bachelor’s or master’s degree in business, finance, accounting, or related field demonstrating intellectual foundation for sophisticated business advisory and transaction coordination.
• Exit planning certification required, demonstrating mastery of exit planning methodology and commitment to professional standards. Any of the following credentials satisfies this requirement:
  • CEPA® (Certified Exit Planning Advisor) – Exit Planning Institute
  • CExP™ (Certified Exit Planner) – Business Enterprise Institute
  • CBEC® (Certified Business Exit Consultant) – IEPA
• FPQP® (Financial Paraplanner Qualified Professional) may be required based on professional background

Required Experience

• For external financial advisors: Minimum 5 years in wealth management or investment advisory with demonstrated success building client relationships
• For external exit planning advisors: Minimum 5 years in exit planning, M&A advisory, business valuation, investment banking, or related transaction-focused roles
• For internal advancement: Successful completion of Wealth Advisor pathway with demonstrated business development excellence
• SIE, Series 7 and Series 66 licenses preferred for integrated wealth advisory discussions.
• Life, Accident, and Health Insurance License preferred for comprehensive risk management discussions with business owner clients.

Uphold CFP® Board Standards

• Consulting: The ability to communicate clearly, provide effective guidance, and present technical information in a manner appropriate for clients and stakeholders; empower clients to make informed decisions.
• Emotional Intelligence: The ability to establish trust with clients by demonstrating empathy, sensitivity, and commitment to client well-being.
• Coaching: The ability to assist clients in setting appropriate financial goals and proactively facilitate goal-attainment; encourage and assist clients in making healthy financial choices and manage emotions.
• Client Advocacy: The ability to lead, coordinate, and monitor work across a team of allied financial professionals; demonstrate accountability for acting in clients’ best interests.
• Integrity: The ability to achieve high standards of ethical conduct, fulfill the fiduciary duty, and uphold the Code of Ethics and Standards of Conduct; treat clients, prospective clients, fellow professionals, and others with dignity, courtesy, and respect.
• Professionalism: Demonstrate commitment to professional excellence, clients, the CFP® board, and continual learning.
• Financial Needs Analysis: The ability to effectively gather information to identify and prioritize clients’ financial needs and goals.
• Financial Advice: The ability to develop and optimize financial solutions to underlying client needs and circumstances; formulate objectives and create action plans.
• Technological Savvy: The ability to effectively select and use financial planning software, mathematical modeling, and simulation tools and techniques to support financial scenario planning and reporting.

Compensation & Benefits

• Team-Based Revenue Model: Palmer Wealth Group operates a corporate book structure in which client relationships belong to the firm, and revenue is shared among advisors based on their allocated stakes. Exit Planning Advisors are specialists within local teams, contributing to and drawing from the same pool as other advisors on the team. Advisor stakes reflect AUM-based client relationships, either transferred from another firm or built through client acquisition at Palmer Wealth Group. Exit planning engagement fees and financial planning fees flow into the team’s net revenue, benefiting all team members proportionally based on their stakes.
• For experienced financial advisors (external transfer): Advisors transferring a book of business of $30 million or more in assets under management receive variable compensation at a 42% payout of their allocated stake in total team net revenue. The initial stake reflects the revenue contribution at hire.
• For experienced exit planning advisors: Exit planning advisors with a strong record of performance in the local market, including established referral networks, documented engagement history, and local reputation, receive a base salary of $67,000–$87,000 (based on experience, credentials, location, and network strength) while building stake through client acquisition. Compensation transitions to the 42% payout model when stake-based earnings exceed base salary.
• Career Entry Pathway: The Exit Planning Advisor is not an entry-level position. Candidates enter this role through one of three pathways:
  • External Transfer (financial advisor): Experienced financial advisors joining from another firm with an existing book of business ($30M+ AUM), seeking to specialize in exit planning.
  • External Transfer (exit planning advisor): Experienced exit planning advisors with an established practice and referral network in the same community, i.e., the Fort Worth market.
  • Internal Advancement: Wealth Advisors who have built a stake through successful client acquisition and obtained CEPA®, CExP™, or equivalent certification.
• Advisors without an existing book of business should explore our Wealth Advisor position, which offers structured mentorship, full credentialing support, and a clear pathway to specialist roles, including Exit Planning Advisor, after achieving business development milestones.
• Full credential support, including accreditation fees and continuing education for CEPA®, CExP™, or equivalent designations
• Semi-flexible work arrangements balancing client responsiveness with work-life integration
• 100% employer-paid premiums for employee-only medical, dental, and vision insurance
• 401(k) with dollar-for-dollar matching up to 6% plus profit-sharing opportunities

Executive Summary

Palmer Wealth Group™ is transforming into a distinguished wealth management firm serving sub-ultra high-net-worth clients. Affiliated with Commonwealth Financial Network®, the firm delivers bespoke investment solutions while maintaining advisory independence.

Our investment philosophy combines traditional expertise with quantitative methodologies, supported by strategic talent acquisition of certified professionals. Our proprietary Integrated Legacy Framework will be delivered through local Virtual Family Office (VFO) alliances.

The firm is expanding capabilities in business advisory and exit planning through specialized recruitment focused on business transition expertise. Our Commercial Wealth Management Division will establish innovative partnerships with payroll and HR firms, creating integrated solutions that enhance partners’ offerings through customized protocols.

Investment capabilities include direct Wrap MF programs, SMA/UMA implementations, closed-end funds, IPO access, fixed-income strategies, structured products, and alternative investments.

This strategic evolution positions Palmer Wealth Group™ as an essential partner in wealth creation, preservation, and transfer, serving contemporary wealth holders who require sophisticated, comprehensive solutions beyond traditional financial services.

Prime Directive

Orchestrate family office services for sub-ultra high-net-worth clients as the strategic integrator across their professional ecosystem. Lead Virtual Family Office partnership vetting, evaluation, and management ensuring consistent quality and seamless coordination. Serve as the accessible coordination point for clients navigating complex multi-advisor relationships—distinguished from technical specialists who provide deep domain expertise. Enable families to experience integrated service delivery rather than fragmented advice through systematic orchestration, technology integration, and relationship excellence.

Opportunity

Core team members will thrive in our collaborative, flexible environment. This position offers:

• A culture dedicated to professional development that embraces innovative thinking and new approaches
• Flexible scheduling and work-life balance as a key member of our growing team
• Experience serving sophisticated clients with complex, multi-generational wealth management needs through an ensemble approach that values coordination excellence
• The opportunity to build and lead an innovative Virtual Family Office service model that distinguishes Palmer Wealth Group in the wealth management marketplace
• Direct impact on client experience through seamless professional coordination, demonstrating how integrated service delivery creates measurable value for families with sophisticated needs

About the Position

The Family Office Director serves as the strategic integrator of Palmer Wealth Group’s Virtual Family Office network, enabling sophisticated clients to navigate complexity through coordinated professional services. Unlike technical specialists who provide deep expertise in specific domains, the Family Office Director’s value lies in orchestration, integration, and relationship management across the professional ecosystem serving affluent families.

Primary responsibilities span three dimensions: partnership excellence ensuring consistent quality across all VFO relationships; client coordination providing accessible support for families managing multiple advisors and complex situations; and infrastructure development creating scalable processes, technology integration, and governance frameworks that distinguish family office service from traditional wealth management.

The ideal candidate combines sophisticated relationship management with operational excellence—comfortable navigating between strategic discussions with senior family members and tactical coordination with service providers. The role requires intellectual breadth across financial planning domains without the technical depth of domain specialists, enabling effective coordination and quality assessment across diverse professional relationships.

Success manifests through client confidence that complex needs receive appropriate attention, VFO partners viewing Palmer Wealth Group as their preferred coordination partner, and internal advisors experiencing reduced friction when serving sophisticated clients.

Responsibilities

Strategic VFO Partnership Management

• Lead vetting, evaluation, onboarding, and management of Virtual Family Office partners including estate attorneys, CPAs, insurance specialists, investment bankers, business brokers, and concierge services. Establish evaluation criteria assessing technical competence, service quality, responsiveness, and cultural alignment with Palmer Wealth Group’s values.
• Coordinate partnership evaluation by gathering input from advisors, conducting due diligence, and facilitating collaborative decisions. Manage partner onboarding ensuring all partners understand Palmer Wealth Group’s service model, coordination protocols, and quality standards.
• Develop and facilitate quarterly thought-leadership meetings bringing together VFO partners and Palmer Wealth Group advisors to share insights, discuss trends, and explore collaboration opportunities. The Wealth Advisor provides support as needed.
• Monitor partnership effectiveness and address performance concerns proactively, maintaining accountability for service standards that protect Palmer Wealth Group’s reputation and client experience.

Client Service Coordination

• Serve as primary coordination point for family office clients, conducting comprehensive meetings integrating perspectives from internal advisors and VFO partners. Lead implementation of the Integrated Legacy Framework as the unifying structure for complex advisory services.
• Function as executive secretary for sophisticated clients, providing accessible coordination for matters inside and outside Palmer Wealth Group’s formal service scope. This positioning makes complexity manageable through a single contact while clients naturally learn which advisor to contact for specific needs.
• Coordinate holistic risk management spanning investment, liability, estate, and family risk. Develop and maintain crisis response protocols for urgent situations including sudden death, medical emergencies, financial fraud, or family conflicts.
• Establish confidentiality protocols and information governance frameworks protecting client privacy while enabling appropriate information sharing.

Next-Generation Engagement and Family Governance

• Design and deliver educational programs preparing rising generations for wealth stewardship, tailoring content to developmental stage. Facilitate multi-generational family meetings addressing legacy planning and values alignment.
• Help families establish governance structures including family councils, advisory boards, family constitutions, and conflict resolution frameworks. Coordinate with specialists when situations require expertise beyond the Family Office Director’s capabilities.

Technology Integration and Reporting

• Participate in technology platform selection subject to Palmer Wealth Group and Commonwealth approval. Lead ongoing platform utilization including account connections, report design, data accuracy, and team training.
• Create consolidated reporting synthesizing information across financial relationships: net worth statements, performance reporting, tax reporting, and cash flow tracking. Design reports that enable effective wealth management and support family governance.

Tax Coordination and Trusted Advisor Management

• Coordinate proactively with CPAs ensuring tax planning informs financial decisions. Establish communication protocols ensuring tax implications inform decision-making across advisors.
• Build productive relationships with trusted advisors families engaged before Palmer Wealth Group, positioning coordination as enhancing rather than replacing existing relationships. Facilitate dialogue when recommendations conflict, seeking integrated solutions.

Qualifications and Skills

Required Credentials

• Bachelor’s or master’s degree in business, finance, accounting, or related field demonstrating intellectual foundation for sophisticated client advisory and professional ecosystem coordination
• Financial expertise demonstrated through one or more of the following pathways:
  • CFP® (Certified Financial Planner) or ChFC® (Chartered Financial Consultant) designation
  • MBA with finance or wealth management concentration
  • CTFA (Certified Trust and Fiduciary Advisor) or comparable trust administration credential
  • OR 5+ years in family office operations, wealth management coordination, trust administration, or estate settlement roles demonstrating equivalent financial sophistication through practical experience
• FPQP® (Financial Paraplanner Qualified Professional) may be required based on professional background
• Required Experience:
  • For external financial advisors: Minimum 5 years in wealth management or investment advisory with demonstrated success in high-net-worth client relationship management
  • For external family office professionals: Minimum 5 years in family office operations, multi-family office coordination, or wealth management operations
  • For internal advancement: Successful completion of Wealth Advisor pathway with demonstrated partnership coordination and client experience excellence
• Series 7 and Series 66 licenses preferred for integrated wealth advisory discussions, or ability to obtain within 12 months of hire if required for client engagement scope.
• Life, Accident, and Health Insurance License preferred for comprehensive risk management discussions with business owner clients.

Core Competencies

• Relationship Management: Building trust with multi-generational families, navigating complex family dynamics, and communicating across varying levels of financial sophistication.
• Project Coordination: Orchestrating initiatives involving multiple stakeholders, managing timelines, facilitating meetings, and maintaining accountability across parties.
• Professional Ecosystem Knowledge: Familiarity with professionals serving affluent families—estate planning, tax, insurance, business transition, trust administration, and philanthropy—enabling effective coordination of specialized services.
• Multi-Generational Engagement: Working effectively with multiple generations, adjusting communication style, balancing competing interests, and facilitating family discussions while maintaining professional boundaries.
• Technology Leadership: Evaluating and implementing financial systems including portfolio accounting, CRM, financial planning software, and document management.
• Privacy and Security: Understanding confidentiality protocols, security threats, information governance, and crisis response.
• Process Excellence: Developing workflows, identifying inefficiencies, implementing improvements, and measuring outcomes.

Uphold CFP® Board Standards

• Consulting: The ability to communicate clearly, provide effective guidance, and present technical information in a manner appropriate for clients and stakeholders; empower clients to make informed decisions.
• Emotional Intelligence: The ability to establish trust with clients by demonstrating empathy, sensitivity, and commitment to client well-being.
• Coaching: The ability to assist clients in setting appropriate financial goals and proactively facilitate goal-attainment; encourage and assist clients in making healthy financial choices and manage emotions.
• Client Advocacy: The ability to lead, coordinate, and monitor work across a team of allied financial professionals; demonstrate accountability for acting in clients’ best interests.
• Integrity: The ability to achieve high standards of ethical conduct, fulfill the fiduciary duty, and uphold the Code of Ethics and Standards of Conduct; treat clients, prospective clients, fellow professionals, and others with dignity, courtesy, and respect.
• Professionalism: Demonstrate commitment to professional excellence, clients, the CFP® board, and continual learning.
• Financial Needs Analysis: The ability to effectively gather information to identify and prioritize clients’ financial needs and goals.
• Financial Advice: The ability to develop and optimize financial solutions to underlying client needs and circumstances; formulate objectives and create action plans.
• Technological Savvy: The ability to effectively select and use financial planning software, mathematical modeling, and simulation tools and techniques to support financial scenario planning and reporting.

Compensation & Benefits

• Team-Based Revenue Model: Palmer Wealth Group operates a corporate book structure in which client relationships belong to the firm, and revenue is shared among advisors based on their allocated stakes. The Family Office Director is a specialist within the Private Wealth Team, contributing to and drawing from the same revenue pool as other team advisors. Stakes reflect AUM-based client relationships, either transferred from another firm or built through client acquisition.
• For experienced financial advisors (external transfer): Advisors transferring a book of business of $30 million or more in assets under management receive variable compensation at a 42% payout of their allocated stake in total team net revenue. Initial stake reflects revenue contribution at hire. Income grows as the team’s total revenue increases through AUM growth, financial planning fees, and exit planning fees.
• For experienced family office professionals (external transfer): Family office or wealth management operations professionals with a strong record of performance in the same market as the team of advisors, including established professional networks, documented VFO or multi-family office coordination experience, and local reputation, receive a base salary of $67,000–$87,000 (based on experience, credentials, location, and network strength) while building stake through client acquisition. Compensation transitions to the 42% payout model when stake-based earnings exceed base salary.
• Career Entry Pathway: The Family Office Director is not an entry-level position. Candidates enter this role through one of three pathways:
  • External Transfer (financial advisor): Experienced financial advisors joining from another firm with an existing book of business ($30M+ AUM), seeking to specialize in VFO coordination and partnership development.
  • External Transfer (family office professional): Experienced family office or wealth management operations professionals with an established network and reputation in the same market as the team of advisors.
  • Internal Advancement: Wealth Advisors who have built a stake through successful client acquisition and demonstrated aptitude for partnership coordination and client experience leadership.
• Advisors without an existing book of business or family office experience should explore our Wealth Advisor position, which offers structured mentorship, full credentialing support, and a clear pathway to specialist roles, including Family Office Director, after achieving business development milestones.
• Full support for maintaining professional credentials, including coverage for accreditation fees, continuing education requirements, and access to additional training and educational opportunities
• Semi-flexible work arrangements to help you maintain an optimal work-life balance
• 100% employer-paid premiums for medical, dental, and vision insurance
• 401(k) with dollar-for-dollar matching up to 6% plus profit-sharing opportunities

Executive Summary

Palmer Wealth Group™ is transforming into a distinguished wealth management firm serving sub-ultra high-net-worth clients. Affiliated with Commonwealth Financial Network®, the firm delivers bespoke investment solutions while maintaining advisory independence.

Our investment philosophy combines traditional expertise with quantitative methodologies, supported by strategic talent acquisition of certified professionals. Our proprietary Integrated Legacy Framework will be delivered through local Virtual Family Office (VFO) alliances.

The firm is expanding capabilities in business advisory and exit planning through specialized recruitment focused on business transition expertise. Our Commercial Wealth Management Division will establish innovative partnerships with payroll and HR firms, creating integrated solutions that enhance partners’ offerings through customized protocols.

Investment capabilities include direct Wrap MF programs, SMA/UMA implementations, closed-end funds, IPO access, fixed-income strategies, structured products, and alternative investments.

This strategic evolution positions Palmer Wealth Group™ as an essential partner in wealth creation, preservation, and transfer, serving contemporary wealth holders who require sophisticated, comprehensive solutions beyond traditional financial services.

Prime Directive

Lead Palmer Wealth Group’s retirement plan advisory practice combining business development excellence with deep ERISA expertise and fiduciary guidance. Serve as primary specialist for qualified retirement plans while recognizing that plan sponsor relationships represent strategic entry points for comprehensive wealth management with business owners and executives. Coordinate RetireReady Education initiatives that enhance participant outcomes while generating private wealth acquisition opportunities, and collaborate with the private wealth team to deliver integrated service for shared clients rather than fragmented advice.

Opportunity

Core team members will thrive in our collaborative, flexible environment. This position offers:

• A culture dedicated to professional development that embraces innovative thinking and comprehensive retirement solutions that distinguish Palmer Wealth Group in the marketplace
• Flexible scheduling and work-life balance as a key member of our growing Commercial Wealth Management Division with clear specialization focus enabling deep expertise development
• Experience serving sophisticated plan sponsors with complex retirement planning needs including executive compensation design, fiduciary governance frameworks, and participant engagement strategies
• The ability to build a sustainable retirement plan practice with minimal competing demands while creating natural pathways for comprehensive wealth management relationships with business owner clients and executives
• Direct impact on participant retirement readiness through educational initiatives and plan design optimization, demonstrating measurable value beyond investment returns

About the Position

The Retirement Plan Advisor serves as Palmer Wealth Group’s retirement plan specialist within the Commercial Wealth Management Division, combining business development excellence with deep ERISA expertise and fiduciary guidance. This role recognizes that sophisticated retirement plan advisory naturally integrates with comprehensive wealth management, exit planning, and business advisory services – plan sponsors valuing fiduciary excellence typically require coordinated solutions across multiple financial domains.

Primary responsibilities span four integrated dimensions: business development driving practice growth through strategic networking and thought leadership; plan design and fiduciary advisory providing sophisticated recommendations on structure, governance, and provider evaluation; RetireReady Education leadership coordinating participant education that improves retirement outcomes while generating private wealth opportunities; and cross-practice collaboration facilitating seamless handoffs when plan sponsors require comprehensive wealth management or exit planning services.

The ideal Retirement Plan Advisor possesses deep ERISA knowledge while maintaining genuine curiosity about clients’ broader business situations, enabling natural identification of integrated service opportunities. Success manifests through sustainable practice growth, plan sponsor satisfaction with advisory quality, measurable participant engagement improvements, and effective integration of retirement plan relationships with Palmer Wealth Group’s comprehensive platform.

Responsibilities

Strategic Retirement Plan Practice Development

• Drive practice growth through targeted business development including strategic networking with centers of influence (CPAs, attorneys, HR consultants), educational programming demonstrating thought leadership in plan design and fiduciary practices, and relationship cultivation with plan sponsors valuing sophisticated advisory over transactional service.
• Build referral networks with payroll providers, benefits consultants, and group insurance providers serving target clients. Coordinate potential VFO partnerships related to retirement plan infrastructure with the Family Office Director who manages partnership vetting and operational coordination.

Comprehensive Plan Design and Fiduciary Advisory

• Conduct discovery meetings assessing plan effectiveness, participant demographics, business objectives, compliance status, and fiduciary governance maturity. Develop comprehensive recommendations addressing plan design optimization, provider evaluation, fiduciary governance frameworks, participant engagement strategies, and cost management.
• Provide ongoing fiduciary support including investment menu monitoring, fee benchmarking, regulatory compliance updates, committee facilitation, and proactive issue identification. Partner with Wealth Manager and Wealth Planner when plan design intersects with executive compensation, non-qualified plans, or business succession requiring integrated advisory.

RetireReady Education Program Leadership

• Lead systematic participant education program at plan sponsor locations, coordinating with Wealth Advisors for delivery while designing content addressing retirement readiness, contribution optimization, investment selection, and behavioral finance principles.
• Deploy Wealth Advisors strategically to create natural relationship development opportunities with participants who may benefit from comprehensive wealth management. Monitor program effectiveness through engagement metrics, retirement readiness improvements, and contribution rate increases, refining approaches based on measurable results.

Cross-Practice Integration and Collaboration

• Facilitate warm handoffs when plan sponsors require comprehensive wealth management or exit planning services. Coordinate with Exit Planning Advisor when business owners approach succession or sale scenarios requiring integrated retirement plan and transition strategies.
• Participate in regular coordination meetings with commercial and private wealth advisors, maintaining awareness of colleague activities enabling proactive service and referral identification. Ensure coordinated rather than conflicting recommendations when serving shared clients.
• Operate with substantial autonomy in plan design, fiduciary guidance, and business development within approved parameters. Coordinate with specialists when opportunities extend beyond retirement plan scope, with Family Office Director on VFO partnerships, and with leadership on pricing outside standard structures or strategic business development decisions.

Qualifications and Skills

Required Credentials

• Bachelor’s or master’s degree in business, finance, accounting, or related field demonstrating intellectual foundation for retirement plan advisory and ERISA compliance expertise
• CRPS® (Chartered Retirement Plans Specialist) certification required, demonstrating specialized education in employer-sponser plan design, implementation, and administration. Candidates without current CRPS® who otherwise meet qualifications may be considered with commitment to obtain certification within 12 months of hire. Alternative credentials meeting this requirement:
  • QPA (Qualified Pension Administrator)
  • APA (ASPPA Credentialed Pension Administrator)
• FPQP® (Financial Paraplanner Qualified Professional) may be required based on professional background

Required Experience:

• For external financial advisors: Minimum 5 years in wealth management or investment advisory with demonstrated success building client relationships
• For external retirement plan advisors: Minimum 5 years in retirement plan advisory, employee benefits consulting, third-party administration, or related ERISA-focused roles
• For internal advancement: Successful completion of Wealth Advisor pathway with demonstrated business development excellence
• Series 7 and 66 licenses required for investment advisory activities with plan sponsors and participants, or ability to obtain within 90 days of hire
• Life, Accident, and Health Insurance License preferred for integrated group benefits coordination, or ability to obtain within 90 days of hire

Core Competencies

• ERISA and Regulatory Expertise: Comprehensive understanding of qualified plan rules, fiduciary responsibilities, non-discrimination testing, and evolving DOL guidance affecting plan sponsors.
• Plan Design and Strategy: Ability to translate business objectives into effective retirement plan design, evaluate trade-offs between plan types, and integrate retirement benefits with broader compensation strategies.
• Fiduciary Governance: Experience establishing investment committees, developing governance frameworks, creating defensible investment policy statements, and implementing monitoring processes meeting fiduciary standards.
• Provider Evaluation: Sophisticated understanding of recordkeepers, third-party administrators, and investment platforms, enabling objective evaluation and appropriate matching of provider capabilities to client needs.
• Executive Compensation Knowledge: Familiarity with non-qualified deferred compensation plans, SERPs, executive benefit strategies, and integration of qualified plans with executive compensation programs.
• Business Development Excellence: Proven ability developing growth strategies, building referral networks, delivering compelling presentations, and converting prospects through consultative approaches.
• Participant Education: Skill designing effective retirement education for diverse populations, translating complex concepts into accessible guidance, and motivating behavioral changes improving retirement readiness.
• Relationship Management: Ability building trust with plan sponsor executives, navigating committee dynamics, managing service delivery across stakeholder groups, and maintaining long-term relationships through consistent value demonstration.

Uphold CFP® Board Standards

• Consulting: The ability to communicate clearly, provide effective guidance, and present technical information in a manner appropriate for clients and stakeholders; empower clients to make informed decisions.
• Emotional Intelligence: The ability to establish trust with clients by demonstrating empathy, sensitivity, and commitment to client well-being.
• Coaching: The ability to assist clients in setting appropriate financial goals and proactively facilitate goal-attainment; encourage and assist clients in making healthy financial choices and manage emotions.
• Client Advocacy: The ability to lead, coordinate, and monitor work across a team of allied financial professionals; demonstrate accountability for acting in clients’ best interests.
• Integrity: The ability to achieve high standards of ethical conduct, fulfill the fiduciary duty, and uphold the Code of Ethics and Standards of Conduct; treat clients, prospective clients, fellow professionals, and others with dignity, courtesy, and respect.
• Professionalism: Demonstrate commitment to professional excellence, clients, the CFP® board, and continual learning.
• Financial Needs Analysis: The ability to effectively gather information to identify and prioritize clients’ financial needs and goals.
• Financial Advice: The ability to develop and optimize financial solutions to underlying client needs and circumstances; formulate objectives and create action plans.
• Technological Savvy: The ability to effectively select and use financial planning software, mathematical modeling, and simulation tools and techniques to support financial scenario planning and reporting.

Compensation & Benefits

• Team-Based Revenue Model: Palmer Wealth Group operates a corporate book structure in which client relationships belong to the firm, and revenue is shared among advisors based on their allocated stakes. Stakes reflect AUM-based client relationships, either transferred from another firm or built through client acquisition. Retirement plan advisory fees flow into team net revenue, benefiting all members proportionally.
• For experienced financial advisors (external transfer): Advisors transferring a private wealth management book of business of $30 million or more in assets under management ($60 million or more in retirement plan business) receive variable compensation at a 42% payout of their allocated stake in total team net revenue. The initial stake reflects the revenue contribution at hire.
• For experienced retirement plan advisors: Retirement plan advisors with a strong record of performance in the same market as the team they are joining, including established referral networks, documented engagement history, and local reputation, receive a base salary of $67,000–$87,000 (based on experience, credentials, location, and network strength) while building stake through client acquisition. Compensation transitions to the 42% payout model when stake-based earnings exceed base salary. Income grows as the team’s total revenue increases through plan acquisition and participant growth.
• Career Entry Pathway: The Retirement Plan Advisor is not an entry-level position. Candidates enter this role through one of three pathways:
  • External Transfer (financial advisor): Experienced financial advisors joining from another firm with an existing book of business ($30M+ AUM), seeking to specialize in retirement plan advisory.
  • External Transfer (retirement plan advisor): Experienced retirement plan advisors with an established practice and referral network in the Fort Worth market.
  • Internal Advancement: Wealth Advisors who have built a stake through successful client acquisition and obtained CRPS®, QPA, or equivalent certification.
• Advisors without an existing book of business or retirement plan experience should explore our Wealth Advisor position, which offers structured mentorship, full credentialing support, and a clear pathway to specialist roles, including Retirement Plan Advisor, after achieving business development milestones.
• Full credential support, including accreditation fees and continuing education for CRPS®, QPA, or equivalent designations
• Semi-flexible work arrangements balancing responsiveness with work-life integration
• 100% employer-paid premiums for employee-only medical, dental, and vision insurance
• 401(k) with dollar-for-dollar matching up to 6% plus profit-sharing opportunities

Executive Summary

Palmer Wealth Group™ is transforming into a distinguished wealth management firm serving sub-ultra high-net-worth clients. Affiliated with Commonwealth Financial Network®, the firm delivers bespoke investment solutions while maintaining advisory independence.

Our investment philosophy combines traditional expertise with quantitative methodologies, supported by strategic talent acquisition of certified professionals. Our proprietary Integrated Legacy Framework will be delivered through local Virtual Family Office (VFO) alliances.

The firm is expanding capabilities in business advisory and exit planning through specialized recruitment focused on business transition expertise. Our Commercial Wealth Management division will establish innovative partnerships with payroll and HR firms, creating integrated solutions that enhance partners’ offerings through customized protocols.

Investment capabilities include direct Wrap MF programs, SMA/UMA implementations, closed-end funds, IPO access, fixed-income strategies, structured products, and alternative investments.

This strategic evolution positions Palmer Wealth Group™ as an essential partner in wealth creation, preservation, and transfer, serving contemporary wealth holders who require sophisticated, comprehensive solutions beyond traditional financial services.

Prime Directive

Drive Palmer Wealth Group’s private wealth client acquisition through strategic business development, prospect cultivation, and professional discovery and proposal processes. Serve as the primary growth engine for the local wealth management team – driving client acquisition across both private and commercial advisory practices, identifying qualified prospects, conducting comprehensive discovery meetings, presenting tailored service proposals, and coordinating successful client onboarding. Cultivate Virtual Family Office partnership opportunities and lead continuous improvement initiatives including client experience measurement and quarterly performance reporting.

Opportunity

Core team members will gain valuable experience in our collaborative, flexible environment. This position offers:

• A culture dedicated to professional development with clear career pathways from entry-level advisor through specialist roles, supported by credentialing assistance and mentorship
• Flexible scheduling and work-life balance as a key member of our Wealth Management teams with defined role focus enabling expertise development
• Experience serving sub-ultra high-net-worth clients through an ensemble approach where business development specialists work alongside relationship managers and planning experts
• The ability to build a meaningful stake in Palmer Wealth Group’s corporate book through successful client acquisition, with potential transition to specialist roles after demonstrating business development excellence
• Direct impact on firm growth through client acquisition while developing the professional skills and credentials necessary for long-term career success in wealth management

Career Pathway: The Wealth Advisor role is Palmer Wealth Group’s client acquisition specialist position serving two essential functions. First, it is a point of entry for new advisors and experienced advisors joining the firm without a book of businesss – providing structured mentorship, credentialing support, and a clear development pathway. Second, it is a specialist role in its own right for advisors with exceptional business development talents who thrive on client acquisition and strategic networking. Those who acquire $30,000,000 in client assets become eligible for transition to other specialist positions (Wealth Manager, Wealth Planner, Exit Planning Advisor, Retirement Plan Advisor) based on interest, aptitude, and firm needs – or may continue as Wealth Advisors if business development is their calling, demonstrating the business development foundation that enable sustainable specialist practice.

About the Position

The Wealth Advisor serves as Palmer Wealth Group’s business development leader for the local wealth management team, driving firm growth by identifying qualified prospects, building referral networks, and converting prospects into clients through comprehensive discovery and compelling proposals.

Following successful client acquisition and onboarding, the Wealth Advisor coordinates handoff to the Wealth Manager who assumes ongoing relationship responsibility. This specialization enables focus on growth activities rather than fragmenting attention between prospecting and portfolio management.

Primary responsibilities span four dimensions: business development driving growth through strategic networking and referral cultivation; discovery and proposal conducting comprehensive prospect meetings and presenting tailored service recommendations; client experience leadership measuring satisfaction through surveys and NPS metrics, producing quarterly performance reports; and VFO partnership cultivation identifying potential alliance partners for evaluation by the Family Office Director.

Responsibilities

Strategic Business Development

• Drive practice growth through targeted networking with centers of influence, participation in community and professional organizations, educational seminars, and systematic referral cultivation. Develop and execute annual business development plans within approved strategies and budgets.
• Build referral networks with professionals serving high-net-worth individuals – CPAs, attorneys, insurance specialists, real estate professionals. Identify potential VFO partnership opportunities and coordinate evaluation with the Family Office Director. Support quarterly VFO partner meetings by contributing business development perspective.

Discovery and Proposal Process

• Conduct comprehensive discovery meetings gathering information about financial circumstances, goals, concerns, and expectations using Palmer Wealth Group’s standardized discovery template. Document findings thoroughly in CRM for team access.
• Develop and present tailored proposals synthesizing discovery findings into clear service plans. The proposal meeting represents the critical conversion point where prospects become clients. Following acceptance, coordinate onboarding and execute comprehensive handoff to the Wealth Manager including CRM documentation and verbal briefing on relationship dynamics and commitments made.

Client Experience Measurement and Reporting

• Conduct periodic client experience surveys and generate Net Promoter Score metrics measuring satisfaction and referral likelihood. Produce quarterly performance reports synthesizing business development results, pipeline status, and strategic opportunities using modified SWOT framework. Present findings during team meetings, facilitating discussion about strategic adjustments.

Cross-Practice Coordination

• Identify opportunities to refer prospects to commercial wealth specialists when situations warrant – business owners requiring exit planning, executives needing retirement plan advisory. Coordinate warm introductions positioning specialist services as enhancing comprehensive wealth management.
• Operate with substantial autonomy executing approved business development plans and customizing proposals within standard frameworks. Coordinate with leadership on strategic decisions including major sponsorships, new market segments, or pricing outside standard parameters.

Qualifications and Skills

Required Credentials

• Bachelor’s degree required. Degrees in financial planning, business, finance, or economics are valued, though candidates from diverse educational backgrounds who demonstrate aptitude for client relationships and business development are encouraged to apply.
• For experienced advisors: CFP® (Certified Financial Planner) or ChFC® (Chartered Financial Consultant) certification required, demonstrating comprehensive financial planning knowledge essential for sophisticated prospect conversations.
• For entry-level advisors: Commitment to obtain CFP® of ChFC® certification – or FPQP® (Financial Paraplanner Qualified Professional) plus specialist certification relevant to career path – within 36 months of hire. Palmer Wealth Group™ provides full credential support including study materials, exam fees, and paid study time.
• For experienced advisors: Minimum 3 years in wealth management, financial services sales, or related client acquisition roles with demonstrated business development success.
• For entry-level advisors: No prior experience required. Strong candidates demonstrate relationship orientation, communication excellence, professional presence, and genuine interest in wealth management careers. Internship experience, relevant coursework, or client-facing roles in other industries valued.
• SIE, Series 7 and Series 66 licenses required for client advisory activities. Entry-level candidates must obtain within 14 weeks of hire; Palmer Wealth Group™ provides study support and covers exam fees.
• Life, Accident, and Health Insurance License required for comprehensive wealth discussions. Must obtain within 17 weeks of hire.

Core Competencies

• Business Development Orientation: Natural inclination toward relationship building, networking, and growth activities. Comfort initiating professional relationships and maintaining systematic follow-up.
• Communication Excellence: Ability to articulate Palmer Wealth Group’s value proposition clearly, conduct productive discovery conversations, and present proposals persuasively without high-pressure tactics.
• Professional Presence: Demeanor appropriate for high-net-worth client interactions. Confident without arrogance, polished without pretension, genuine without excessive informality.
• Organizational Discipline: Systematic approach to pipeline management, follow-up activities, CRM documentation, and business development planning.
• Coachability: Openness to feedback, willingness to develop skills through mentorship, and commitment to continuous improvement. Particularly important for entry-level advisors.
• Resilience: Ability to maintain motivation through business development challenges, handle rejection professionally, and persist toward long-term goals.
• Collaborative Orientation: Recognition that successful client acquisition benefits the entire team, willingness to coordinate with specialists, and commitment to smooth handoffs.

Uphold CFP® Board Standards:

• Consulting: The ability to communicate clearly, provide effective guidance, and present technical information in a manner appropriate for clients and stakeholders; empower clients to make informed decisions.
• Emotional Intelligence: The ability to establish trust with clients by demonstrating empathy, sensitivity, and commitment to client well-being.
• Coaching: The ability to assist clients in setting appropriate financial goals and proactively facilitate goal-attainment; encourage and assist clients in making healthy financial choices and manage emotions.
• Client Advocacy: The ability to lead, coordinate, and monitor work across a team of allied financial professionals; demonstrate accountability for acting in clients’ best interests.
• Integrity: The ability to achieve high standards of ethical conduct, fulfill the fiduciary duty, and uphold the Code of Ethics and Standards of Conduct; treat clients, prospective clients, fellow professionals, and others with dignity, courtesy, and respect.
• Professionalism: Demonstrate commitment to professional excellence, clients, the CFP® board, and continual learning.
• Financial Needs Analysis: The ability to effectively gather information to identify and prioritize clients’ financial needs and goals.
• Financial Advice: The ability to develop and optimize financial solutions to underlying client needs and circumstances; formulate objectives and create action plans.
• Technological Savvy: The ability to effectively select and use financial planning software, mathematical modeling, and simulation tools and techniques to support financial scenario planning and reporting.

Compensation & Benefits

• Team-Based Revenue Model: Palmer Wealth Group operates a corporate book structure where client relationships belong to the firm and revenue is shared among advisors based on allocated stakes. Stakes reflect AUM-based client relationships – either transferred from another firm or built through client acquisition. Financial planning fees flow into team net revenue, benefiting all members proportionally.
• For candidates with existing client relationships (external transfer): Advisors transferring a book of business of $30 million or more in assets under management receive variable compensation at a 42% payout of their allocated stake in total Private Wealth Team net revenue. Initial stake reflects revenue contribution at hire. Income grows as the team’s total revenue increases through AUM growth, financial planning fees, and exit planning fees.
• For advisors building from zero (including entry-level): Base salary of $52,000–$72,000 (based on geography, experience, and credentials) while developing business development skills, building networks, and acquiring initial clients. Stake allocation begins when client acquisition generates measurable revenue contribution. Compensation transitions to the 42% payout model when stake-based earnings exceed base salary.
• Career Transition Opportunity: Wealth Advisors who demonstrate business development excellence by acquiring $30,000,000 in client assets become eligible for transition to specialist roles (Wealth Manager, Wealth Planner, Exit Planning Advisor, Family Office Director, or Retirement Plan Advisor) based on interest, aptitude, and firm needs. This pathway recognizes that business development mastery creates the foundation for sustainable specialist practice.
• Full credential support including accreditation fees, study materials, exam fees, and continuing education for CFP®, ChFC®, or other relevant designations
• Structured mentorship and business development training for entry-level advisors
• Semi-flexible work arrangements balancing prospecting activities with work-life integration
• 100% employer-paid premiums for employee-only medical, dental, and vision insurance
• 401(k) with dollar-for-dollar matching up to 6% plus profit-sharing opportunities

Executive Summary

Palmer Wealth Group™ is transforming into a distinguished wealth management firm serving sub-ultra high-net-worth clients. Affiliated with Commonwealth Financial Network®, the firm delivers bespoke investment solutions while maintaining advisory independence.

Our investment philosophy combines traditional expertise with quantitative methodologies, supported by strategic talent acquisition of certified professionals. Our proprietary Integrated Legacy Framework will be delivered through local Virtual Family Office (VFO) alliances.

The firm is expanding capabilities in business advisory and exit planning through specialized recruitment focused on business transition expertise. Our Commercial Wealth Management Division will establish innovative partnerships with payroll and HR firms, creating integrated solutions that enhance partners’ offerings through customized protocols.

Investment capabilities include direct Wrap MF programs, SMA/UMA implementations, closed-end funds, IPO access, fixed-income strategies, structured products, and alternative investments.

This strategic evolution positions Palmer Wealth Group™ as an essential partner in wealth creation, preservation, and transfer, serving contemporary wealth holders who require sophisticated, comprehensive solutions beyond traditional financial services.

Prime Directive

Serve as the primary ongoing relationship manager and investment implementation expert for Palmer Wealth Group’s private wealth clients. Following successful client acquisition by the Wealth Advisor, assume relationship stewardship translating financial planning recommendations into implemented investment strategies, maintaining portfolio excellence through regular reviews, and coordinating specialist involvement when clients require commercial wealth services. Collaborate as a peer with the Wealth Planner to deliver integrated advice, ensuring clients experience unified service rather than fragmented counsel from disconnected advisors.

Opportunity

Core team members will gain valuable experience in our collaborative, flexible environment. This position offers:

• A culture dedicated to professional development embracing sophisticated investment methodologies and comprehensive client relationship management
• Flexible scheduling and work-life balance as a key member of our Private Wealth Team with clear role definition enabling deep expertise development
• Experience serving sub-ultra high-net-worth clients with complex investment needs through an ensemble approach that values collaboration and specialization
• The ability to focus on investment excellence and relationship depth rather than constant prospecting, with business development supported by the Wealth Advisor’s client acquisition focus
• Direct impact on client financial outcomes through disciplined portfolio management, proactive communication, and coordinated service delivery across Palmer Wealth Group’s comprehensive platform

About the Position

The Wealth Manager serves as Palmer Wealth Group’s primary ongoing client relationship manager within the Private Wealth Team, combining investment implementation expertise with relationship stewardship excellence. This role assumes client responsibility following acquisition and onboarding by the Wealth Advisor, becoming the consistent relationship anchor for comprehensive service delivery.

The Wealth Manager collaborates as a peer with the Wealth Planner – complementary expertise, not hierarchical structure. Plan review before client presentation represents quality control ensuring integration, not supervisory authority.

Primary responsibilities span four dimensions: investment implementation translating planning recommendations into portfolio reality; ongoing relationship management maintaining client trust through quarterly reviews and proactive service; quality integration reviewing financial plans for implementation feasibility; and cross-practice coordination identifying when clients require commercial wealth services and facilitating specialist engagement.

The ideal Wealth Manager combines investment sophistication with genuine relationship orientation, recognizing that technical excellence means nothing without client trust.

Responsibilities

Investment Implementation and Portfolio Management

• Translate financial planning recommendations into implemented investment strategies using Palmer Wealth Group’s model portfolios. Select appropriate models for each client’s situation, determine when to combine multiple models, and evaluate circumstances warranting customization within firm guidelines.
• Maintain portfolio excellence through systematic rebalancing, tax-efficient management, and tactical adjustments responding to changing circumstances. Conduct quarterly portfolio reviews assessing performance, confirming alignment with client objectives, and identifying planning update needs.

Ongoing Client Relationship Management

• Serve as the accessible relationship anchor for private wealth clients, maintaining trust through responsive communication, proactive outreach, and consistent service quality.
• Receive comprehensive handoffs from Wealth Advisors following client acquisition, including CRM documentation and verbal briefings on key relationship dynamics. Identify opportunities for enhanced service and address client concerns proactively before they escalate.

Financial Plan Integration and Quality Review

• Review financial plans created by the Wealth Planner before client presentation, focusing on implementation feasibility, alignment between planning assumptions and portfolio positioning, and recommendation coherence. This review ensures integration, not planning judgment.
• Engage collaboratively with the Wealth Planner when review identifies concerns. Participate jointly in plan presentations, with the Wealth Planner leading technical discussion while you address implementation and portfolio questions.

Cross-Practice Coordination

• Identify when clients require commercial wealth services and coordinate warm introductions to appropriate specialists. Maintain primary relationship responsibility even when specialists are actively serving shared clients.
• Operate with substantial autonomy in client-specific investment decisions within established frameworks. Escalate to the Managing Advisor when disagreements cannot be resolved collaboratively or when situations fall outside standard parameters.

Qualifications and Skills

Required Credentials

• Bachelor’s degree required. Degrees in financial planning, business, finance, or economics are valued, though candidates from diverse educational backgrounds who demonstrate aptitude for client relationships and business development are encouraged to apply.
• CFP® (Certified Financial Planner) or ChFC® (Chartered Financial Consultant) certification required, demonstrating comprehensive financial planning knowledge essential for integrated client service and relationship management.
• Candidates without current CFP® or ChFC® who otherwise meet qualifications may be considered with commitment to obtain certification within 24 months of hire.
• Minimum 5 years experience in wealth management, investment advisory, or related client-facing roles, with demonstrated track record of:
  • High-net-worth client relationship management and retention
  • Portfolio construction and investment implementation
  • Collaborative service delivery within team environments
  • Clear communication of complex investment concepts to clients
• Candidates with 3-4 years experience will be considered if accompanied by CFP® or ChFC® certification and strong evidence of relationship management excellence.
• Series 7 and Series 66 licenses required for investment advisory and securities activities.
• Life, Accident, and Health Insurance License required for comprehensive wealth management discussions and risk management implementation.

Core Competencies

• Investment Implementation Excellence: Ability to translate planning recommendations into portfolio reality, select appropriate models, evaluate customization needs, and maintain disciplined portfolio management through market cycles.
• Client Relationship Stewardship: Proven excellence building and maintaining trust with high-net-worth clients through accessible communication, proactive service, and genuine care for client outcomes.
• Portfolio Communication: Skill explaining investment strategies, market dynamics, and portfolio positioning in clear, accessible language that builds client confidence without oversimplifying.
• Collaborative Integration: Demonstrated ability working as a peer within team structures, contributing expertise while respecting colleagues’ domains, and resolving differences constructively.
• Quality Review Orientation: Attention to detail enabling effective plan review for implementation feasibility without overstepping into judgment of planning recommendations.
• Proactive Service: Orientation toward anticipating client needs, identifying service opportunities, and addressing concerns before they escalate into problems.
• Cross-Practice Awareness: Ability to recognize when client situations warrant specialist involvement and facilitate appropriate engagement without fragmenting the client relationship.

Uphold CFP® Board Standards

• Consulting: The ability to communicate clearly, provide effective guidance, and present technical information in a manner appropriate for clients and stakeholders; empower clients to make informed decisions.
• Emotional Intelligence: The ability to establish trust with clients by demonstrating empathy, sensitivity, and commitment to client well-being.
• Coaching: The ability to assist clients in setting appropriate financial goals and proactively facilitate goal-attainment; encourage and assist clients in making healthy financial choices and manage emotions.
• Client Advocacy: The ability to lead, coordinate, and monitor work across a team of allied financial professionals; demonstrate accountability for acting in clients’ best interests.
• Integrity: The ability to achieve high standards of ethical conduct, fulfill the fiduciary duty, and uphold the Code of Ethics and Standards of Conduct; treat clients, prospective clients, fellow professionals, and others with dignity, courtesy, and respect.
• Professionalism: Demonstrate commitment to professional excellence, clients, the CFP® board, and continual learning.
• Financial Needs Analysis: The ability to effectively gather information to identify and prioritize clients’ financial needs and goals.
• Financial Advice: The ability to develop and optimize financial solutions to underlying client needs and circumstances; formulate objectives and create action plans.
• Technological Savvy: The ability to effectively select and use financial planning software, mathematical modeling, and simulation tools and techniques to support financial scenario planning and reporting.

Compensation & Benefits

• Team-Based Revenue Model: Palmer Wealth Group™ operates a corporate book structure in which client relationships belong to the firm, and revenue is shared among advisors based on their allocated stakes. Stakes reflect AUM-based client relationships, either transferred from another firm or built through client acquisition. Financial planning fees flow into team net revenue, benefiting all members proportionally.
• For candidates with existing client relationships (external transfer): Advisors transferring a book of business of $30 million or more in assets under management receive variable compensation at a 42% payout of their allocated stake in total team net revenue. Initial stake reflects revenue contribution at hire. Income grows as the team’s total revenue increases through AUM growth, financial planning fees, and exit planning fees.
• For internal advancement: Wealth Advisors who have built a stake through successful client acquisition and demonstrated relationship management excellence retain their existing stake upon transition to Wealth Manager. Income grows as the team’s total revenue increases.
• Career Entry Pathway: The Wealth Manager is not an entry-level position. Candidates enter this role through one of two pathways:
  • External Transfer: Advisors joining from another firm with an existing book of business ($30M+ AUM)
  • Internal Advancement: Wealth Advisors who have had a successful launch and demonstrated relationship management excellence
• Advisors without an existing book of business should explore our Wealth Advisor position, which offers structured mentorship, full credentialing support, and a clear pathway to specialist roles, including Wealth Manager, after achieving business development milestones.
• Full credential support, including accreditation fees and continuing education for CFP®, ChFC®, or equivalent designations
• Semi-flexible work arrangements balancing client responsiveness with work-life integration
• 100% employer-paid premiums for employee-only medical, dental, and vision insurance
• 401(k) with dollar-for-dollar matching up to 6% plus profit-sharing opportunities

Executive Summary

Palmer Wealth Group™ is transforming into a distinguished wealth management firm serving sub-ultra high-net-worth clients. Affiliated with Commonwealth Financial Network®, the firm delivers bespoke investment solutions while maintaining advisory independence.

Our investment philosophy combines traditional expertise with quantitative methodologies, supported by strategic talent acquisition of certified professionals. Our proprietary Integrated Legacy Framework will be delivered through local Virtual Family Office (VFO) alliances.

The firm is expanding capabilities in business advisory and exit planning through specialized recruitment focused on business transition expertise. Our Commercial Wealth Management division will establish innovative partnerships with payroll and HR firms, creating integrated solutions that enhance partners’ offerings through customized protocols.

Investment capabilities include direct Wrap MF programs, SMA/UMA implementations, closed-end funds, IPO access, fixed-income strategies, structured products, and alternative investments.

This strategic evolution positions Palmer Wealth Group™ as an essential partner in wealth creation, preservation, and transfer, serving contemporary wealth holders who require sophisticated, comprehensive solutions beyond traditional financial services.

Prime Directive

Serve as the financial planning specialist within Palmer Wealth Group’s Private Wealth Team, delivering comprehensive planning depth across retirement, tax, estate, insurance, and education domains. Collaborate as a peer with the Wealth Manager – complementary expertise rather than hierarchical structure, to provide integrated advice ensuring clients experience unified service. Lead annual comprehensive financial reviews while the Wealth Manager conducts quarterly investment reviews, creating coordinated client touchpoints throughout the year.

Opportunity

Core team members will thrive in our collaborative, flexible environment. This position offers:

• A culture dedicated to professional development embracing sophisticated financial planning methodologies and continuous technical education
• Flexible scheduling and work-life balance as a key member of our Private Wealth Team with clear role definition enabling deep expertise development
• Experience serving sub-ultra high-net-worth clients with complex planning needs through an ensemble approach that values collaboration and specialization
• The ability to focus on planning excellence and technical depth rather than constant prospecting, with business development supported by the Wealth Advisor’s client acquisition focus
• Direct impact on client financial outcomes through comprehensive planning that optimizes retirement readiness, minimizes tax burden, protects assets, and ensures wealth transfers according to client intentions

About the Position

The Wealth Planner serves as Palmer Wealth Group’s financial planning specialist within the Private Wealth Team, combining technical planning depth with client communication excellence. This role provides the analytical sophistication ensuring clients receive recommendations grounded in comprehensive analysis rather than generic guidance.

The Wealth Planner collaborates as a peer with the Wealth Manager – complementary expertise, not hierarchical structure. When the Wealth Manager reviews plans before client presentation, this represents quality control ensuring integration, not supervisory authority.

Primary responsibilities span four dimensions: comprehensive financial planning addressing retirement, tax, estate, and insurance needs; annual review leadership assessing client circumstances and goal progress; collaborative integration coordinating with the Wealth Manager on presentation and implementation; and VFO partner coordination working with estate attorneys, CPAs, and insurance specialists to execute recommendations.

The ideal Wealth Planner combines technical mastery with genuine client orientation, recognizing that sophisticated analysis creates value only when communicated clearly and implemented effectively.

Responsibilities

Comprehensive Financial Planning

• Create sophisticated financial plans addressing retirement projections, tax optimization, estate planning frameworks, and insurance needs analysis. Use professional planning software to model scenarios, stress-test assumptions, and illustrate trade-offs enabling informed client decisions.
• Develop recommendations grounded in comprehensive analysis of client circumstances, goals, and risk tolerance. Translate complex planning concepts into clear, actionable guidance. Communicate clearly when situations warrant comprehensive financial plans (for which planning fees apply) versus when updating existing plans suffices.

Annual Review Leadership

• Lead annual comprehensive financial reviews assessing changes in client circumstances, life events affecting planning assumptions, tax law changes, and progress toward long-term goals. Distinguish annual comprehensive reviews from quarterly investment reviews conducted by the Wealth Manager.
• Evaluate whether situations warrant new comprehensive plans or updates to existing plans. Present assessments collaboratively with the Wealth Manager who provides investment performance context. Identify planning triggers proactively rather than waiting for annual reviews.

Collaborative Plan Development and Presentation

• Submit completed plans to the Wealth Manager at least one week before client presentations for integration review focusing on implementation feasibility and alignment between planning assumptions and portfolio positioning.
• Engage collaboratively when review identifies concerns, reaching resolution through discussion. Escalate to the Managing Advisor if substantive disagreement persists. Lead technical planning discussion during joint presentations while the Wealth Manager addresses implementation and portfolio questions.

VFO Partner Coordination

• Coordinate directly with estate attorneys, CPAs, and insurance specialists for straightforward technical questions. Coordinate through the Family Office Director for complex situations requiring multi-professional orchestration or when partner performance concerns arise.
• Operate with substantial autonomy in planning methodology and client recommendations within established best practices. Escalate when disagreements cannot be resolved collaboratively or when situations fall outside standard parameters.

Qualifications and Skills

Required Credentials

• Bachelor’s degree required. Degrees in financial planning, business, finance, or economics are valued, though candidates from diverse educational backgrounds who demonstrate aptitude for client relationships and business development are encouraged to apply.
• CFP® (Certified Financial Planner) or ChFC® (Chartered Financial Consultant) certification required, demonstrating comprehensive financial planning knowledge across retirement, tax, estate, insurance, and investment domains.
• Candidates without current CFP® or ChFC® who otherwise meet qualifications may be considered with commitment to obtain certification within 24 months of hire.
• Series 7 and Series 66 licenses required for investment advisory and securities activities.
• Life, Accident, and Health Insurance License required for comprehensive wealth management discussions and risk management implementation.
• Minimum 5 years experience in financial planning, wealth management, or related analytical roles, with demonstrated track record of:
  • Comprehensive financial plan development and presentation
  • Complex planning situation analysis across multiple domains
  • Clear communication of sophisticated concepts to clients
  • Collaborative service delivery within team environments
• Candidates with 3-4 years experience will be considered if accompanied by CFP® or ChFC® certification and strong evidence of analytical and communication excellence.

Core Competencies

• Financial Planning Mastery: Deep expertise across retirement, tax, estate, insurance, and education planning domains enabling sophisticated analysis and integrated recommendations.
• Analytical Excellence: Ability to model complex scenarios, stress-test assumptions, identify planning opportunities, and develop recommendations grounded in comprehensive quantitative analysis.
• Planning Software Proficiency: Skilled use of professional financial planning software for projections, scenario modeling, and client presentation materials.
• Client Communication: Proven ability translating complex planning concepts into clear, accessible language that empowers informed client decisions without oversimplifying.
• Collaborative Integration: Demonstrated ability working as a peer within team structures, contributing expertise while respecting colleagues’ domains, and resolving differences constructively.
• Regulatory Awareness: Current knowledge of tax law, estate planning regulations, retirement plan rules, and insurance requirements enabling compliant, optimized recommendations.
• Proactive Identification: Orientation toward identifying planning opportunities and update triggers rather than waiting for clients to raise concerns or annual reviews to surface issues.

Uphold CFP® Board Standards:

• Consulting: The ability to communicate clearly, provide effective guidance, and present technical information in a manner appropriate for clients and stakeholders; empower clients to make informed decisions.
• Emotional Intelligence: The ability to establish trust with clients by demonstrating empathy, sensitivity, and commitment to client well-being.
• Coaching: The ability to assist clients in setting appropriate financial goals and proactively facilitate goal-attainment; encourage and assist clients in making healthy financial choices and manage emotions.
• Client Advocacy: The ability to lead, coordinate, and monitor work across a team of allied financial professionals; demonstrate accountability for acting in clients’ best interests.
• Integrity: The ability to achieve high standards of ethical conduct, fulfill the fiduciary duty, and uphold the Code of Ethics and Standards of Conduct; treat clients, prospective clients, fellow professionals, and others with dignity, courtesy, and respect.
• Professionalism: Demonstrate commitment to professional excellence, clients, the CFP® board, and continual learning.
• Financial Needs Analysis: The ability to effectively gather information to identify and prioritize clients’ financial needs and goals.
• Financial Advice: The ability to develop and optimize financial solutions to underlying client needs and circumstances; formulate objectives and create action plans.
• Technological Savvy: The ability to effectively select and use financial planning software, mathematical modeling, and simulation tools and techniques to support financial scenario planning and reporting.

Compensation & Benefits

• Team-Based Revenue Model: Palmer Wealth Group operates a corporate book structure in which client relationships belong to the firm, and revenue is shared among advisors based on their allocated stakes. Stakes reflect AUM-based client relationships, either transferred from another firm or built through client acquisition. Financial planning fees flow into team net revenue, benefiting all members proportionally.
• For candidates with existing client relationships (external transfer): Advisors transferring a book of business of $30 million or more in assets under management receive variable compensation at a 42% payout of their allocated stake in total team net revenue. Initial stake reflects revenue contribution at hire. Income grows as the team’s total revenue increases through AUM growth, financial planning fees, and exit planning fees.
• For internal advancement: Wealth Advisors who have built a stake through successful client acquisition and demonstrated financial planning excellence retain their existing stake upon transition to Wealth Planner. Income grows as the team’s total revenue increases.
• Career Entry Pathway: The Wealth Planner is not an entry-level position. Candidates enter this role through one of two pathways:
  • External Transfer: Advisors joining from another firm with an existing book of business ($30M+ AUM)
  • Internal Advancement: Wealth Advisors who have had a successful launch and demonstrated financial planning excellence
• Advisors without an existing book of business should explore our Wealth Advisor position, which offers structured mentorship, full credentialing support, and a clear pathway to specialist roles, including Wealth Planner, after achieving business development milestones.
• Full credential support, including accreditation fees and continuing education for CFP®, ChFC®, or equivalent designations
• Semi-flexible work arrangements balancing client responsiveness with work-life integration
• 100% employer-paid premiums for employee-only medical, dental, and vision insurance
• 401(k) with dollar-for-dollar matching up to 6% plus profit-sharing opportunities