Associate Advisor & Fractional CIO for progressive, fee-only practice - Remote position

Location:  Remote

Type:  Part-Time, 20 Hours per Week

About Us

Smart & Soulful Money® is a values-driven financial advisory practice specializing in working with women and wealth inheritors navigating life transitions, family legacies, and purposeful financial choices. We provide holistic financial planning and values-aligned investment management — including SRI/ESG integration and private impact investments — for clients who want to align their money with their progressive values.

We are part of Natural Investments, PBLLC, a fee-only RIA with approximately 20 advisors across the United States.

This is a unique opportunity to join a highly collaborative, mission-driven practice serving clients who are committed to aligning their wealth with their values. You'll have meaningful responsibility, direct client impact, mentorship, and the opportunity to help shape the future of a growing practice within one of the country's leading sustainable and impact-focused advisory firms.

Position Summary

This role combines client advisory support with significant responsibility for investment management and portfolio implementation. Working alongside a senior advisor, the Associate Advisor will play a lead role in managing client portfolios, implementing investment recommendations, overseeing rebalancing and trading activity, supporting private impact investments, and ensuring portfolios remain aligned with client goals and Investment Policy Statements.

The ideal candidate brings strong investment operations experience, enjoys portfolio management and trading, and is highly proficient in Eclipse – or has a strong interest in becoming the team subject matter expert in Eclipse.  This role also includes financial planning support, client communication, and long-term leadership potential within the practice.

We are seeking a professional who thrives in a remote environment and enjoys balancing client service, financial planning, and investment management responsibilities. The ideal candidate is highly organized, dependable, self-directed, and capable of managing priorities independently while contributing thoughtfully to a collaborative team.

Key Responsibilities

Investment Management & Trading (Primary Responsibility)

• Lead portfolio implementation and ongoing investment management for client accounts.
• Use Eclipse and work with the NI Rebalance Desk for automated and manual rebalancing.
• Conduct tax-conscious trading and portfolio transitions.
• Execute cash requests and ensure liquidity for RMDs in accordance with each client's IPS.
• Ensure new account funding is invested appropriately and aligned with portfolio targets.
• Maintain and monitor rebalance schedules across accounts.
• Conduct allocation reviews and portfolio updates.
• Support private impact investment monitoring and client reporting.
• Work with the lead advisor to systemize investment management workflows and improve efficiency.

Client Advisory & Financial Planning

• Build trusted relationships with clients, especially women and inheritors.
• Create and maintain financial plans using Money Guide Pro.
• Serve as the team's Financial Planning Platform Subject Matter Expert.
• Support clients with planning portal access and updates.
• Model retirement, cash flow, and life-transition scenarios.
• Support meeting preparation and follow-up.
• Draft and coordinate Best Interest Worksheets (BIWs).
• Maintain current Investment Policy Statements (IPS).

Custodial & Operational Support

• Manage account applications, transfers, rollovers, cash requests, trading, and beneficiary updates.
• Handle Schwab-related client inquiries and operational requests.
• Ensure accurate and timely processing of account-related transactions.

Qualifications

• 3–5 years of experience in financial planning, investment advisory, or a related field.
• Series 65 required (or obtained shortly after hire).
• CFP® preferred or in progress.
• Demonstrated experience using Eclipse for portfolio management, trading, and rebalancing.
• Strong proficiency with Eclipse, Orion, Schwab Advisor Center, and related investment management systems.
• Experience managing portfolio implementation, rebalancing workflows, cash management, and tax-conscious trading.
• Money Guide Pro experience preferred.
• Experience supporting ESG, sustainable, impact, and private impact investment portfolios preferred.
• Experience or strong interest in working with women, LGBTQ+ clients, inheritors, and values-aligned investors.
• Strong client communication skills and high emotional intelligence.
• Demonstrated success working remotely with a high degree of independence, accountability, and self-management.
• Proven ability to prioritize competing responsibilities, manage workflows effectively, and consistently meet deadlines without requiring close supervision.
• Strong organizational skills, attention to detail, and follow-through.
• Mature professional judgment and the ability to proactively identify needs, solve problems, and move projects forward.
• Comfortable taking ownership of responsibilities while collaborating effectively within a small team environment.

What We Offer

• Mentorship and professional development support
• Flexible, remote work culture
• Part-time schedule of approximately 20 hours per week
• Meaningful work with clients seeking values-aligned financial guidance
• Opportunity to contribute to a growing and mission-driven practice
• 47-week work year
• $50,000 annual compensation
• Health Reimbursement Stipend up to $500 per month

We are an Equal Opportunity Employer and encourage applications from all qualified individuals. We do not discriminate based on race, color, religion, sex, gender identity, sexual orientation, national origin, disability, veteran status, age, or any other protected class.

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