Remote financial planner - retirement income planning

Most financial planning jobs are a holding pattern. You do the technical work for a time, get good at it, and then the firm pushes you toward sales, prospecting, or advisor training, because that's where firms think all the value is. If you want to develop true expertise in retirement income planning, there are very few places to do that. You either become an advisor, or you stay a paraplanner with a hard ceiling.

We built the opposite of that.

Peak Financial Planning is hiring a Financial Planner for a real, long-term technical seat: retirement income plans, tax-efficient withdrawal strategy, Roth conversion analysis, Social Security timing. No sales quota. No prospecting. No client book.

This isn't a quick stop on the way to becoming an advisor. You'll have occasional direct client contact (email, calls, video) when a plan needs input straight from the source, but you're not owning the relationship or running meetings. You're the technician who actually builds the plan and creates the strategy, not someone doing data entry into someone else's software. If you're good at this work and want to keep doing it, get better at it, and build a career inside it, this is that seat.

What makes what we do rare from the start

Our clients pay $8,000 for a four-month retirement planning engagement: Social Security timing, tax-aware withdrawal sequencing, healthcare planning, Roth conversions, investment alignment. They come to us already convinced. We book roughly 100 qualified prospect consultations a month, sourced entirely from our YouTube channel (70,000+ subscribers), website, and educational content. Nobody is cold-calling to fill a pipeline.

That means the planning work landing on your desk is real and complex from day one. Not templated busywork. Not administrative form-filling. Genuine retirement income puzzles: bracket management, IRMAA cliffs, ACA subsidy tradeoffs, withdrawal sequencing across account types, client-specific judgment calls that actually change the advice.

What you'll be doing

• Build and maintain retirement income plans using IncomeLab.
• Prepare Tax-Efficient Withdrawal roadmaps coordinating account sequencing, tax brackets, Roth conversions, RMDs, ACA subsidies, IRMAA, Social Security, and client spending goals.
• Use Holistiplan to support tax analysis and surface planning opportunities.
• Use Nitrogen/Riskalyze to align portfolio assumptions with planning recommendations.
• Support advisor preparation for Peak's planning meetings: Plan Proposal, Cash Flow & Taxes, Investments 1, and Investments 2.
• Review meeting transcripts and advisor notes to catch required plan changes, data gaps, and follow-up items before they become client-facing problems.
• Translate technical plan output into plain-English advisor briefs: recommendations, risks, contingencies.
• Work inside Peak's planning checklists, SOPs, and QA process, and help improve them.

Who this is for

You've built real financial plans before: an RIA, a planning-centric firm, a tax planning environment. You like the parts of this work most people find tedious, reviewing assumptions, catching a wrong cost basis calculation before it reaches a client, documenting reasoning clearly enough that someone else can follow it. You want to go deep on retirement income and tax strategy for the long haul, not use this as a resume line on the way to something else.

You don't need to already hold a CFP. Candidate status or active pursuit of the CFP is strongly preferred.

Requirements

• 3+ years in financial planning, an RIA, retirement planning, tax planning, or closely related work.
• Real experience with retirement income planning, Roth conversion analysis, Social Security timing, and tax-aware withdrawal strategy.
• Familiarity with IncomeLab, Holistiplan, Nitrogen/Riskalyze, or comparable tools.
• Strong spreadsheet skills and comfort working inside detailed client data and QA feedback.
• Strong written communication: you can turn a technical plan into a clear advisor-facing note.
• Comfortable on an occasional client call or video when a plan needs direct input, even though this isn't a relationship-management role.
• High attention to detail and genuine comfort operating inside checklists and SOPs.
• Self-directed enough to work remotely without oversight.

This is not an entry-level role, and it's not a generic paraplanner seat.

Compensation and logistics

Fully remote, United States. Full-time, W-2, 40 hours/week. Occasional in-person team meetups.

Base salary: $85,000 to $100,000, based on experience, credentials, and fit.

Additional compensation tied to planning quality, consistent throughput, and earned trust with the advisory team.

Benefits per firm policy, including employer health insurance contribution and 401(k) match.

Growth here comes from accuracy, judgment, and advisor impact. It's a real ladder, not a detour toward an advisor track.

Expected start date is early September, 2026.

Tools you'll use

IncomeLab, Holistiplan, Nitrogen/Riskalyze, HubSpot, Altruist, Google Workspace, and Peak's internal planning templates and Tax-Efficient Withdrawal worksheet.

How to apply

This is a two-step process.

Step 1: Apply through our Indeed listing.

Step 2: Submit a short Loom video answering:

• Describe your experience building financial plans. What software did you use, how many plans were you building per week, and roughly how many have you built in the past 12 months?
• Why do you think you'd be able to build Peak's IncomeLab Modern Guardrails plans and Tax-Efficient Withdrawal worksheets?
• What's something unique or interesting about you that would help us decide whether to move you forward?

Applications without the Loom video are considered incomplete. After a two-week window, all applicants will be notified as to whether they will move on to a first round interview.