AWM, GS Ayco, Financial Advisor, Vice President- Pittsburgh

OUR IMPACT

At Goldman Sachs Wealth Management we are dedicated to empowering clients and customers globally to achieve their most ambitious financial aspirations. Our advisor-led businesses deliver sophisticated financial planning bespoke investment management comprehensive banking solutions and strategic advice to a diverse clientele including ultra-high-net-worth and high-net-worth individuals family offices foundations endowments and corporations. Complementing this our innovative consumer business provides cutting-edge digital solutions that enable customers to optimize their spending borrowing investing and saving. Our sustained growth is fueled by an unwavering commitment to our people our clients and the relentless pursuit of leading-edge technology data-driven insights and exceptional design.

Goldman Sachs Ayco (Ayco):

Goldman Sachs Ayco stands as a premier partner for Fortune 1000 companies collaborating to design and implement tailored financial planning programs that elevate the financial well-being of their entire workforce. Leveraging Aycos distinguished 50-year legacy and the expansive resources of Goldman Sachs we address the evolving financial needs of employees. We firmly believe that companies best serve their stakeholders and the broader economy when their employees possess clarity understanding and control over their financial lives. Aycos expert advisors and technical specialists guide clients through education and practical implementation across seven critical financial disciplines including comprehensive employee benefit planning to help them achieve their personal financial goals.

YOUR IMPACT

We are seeking a seasoned and highly motivatedSenior Financial Planner/Advisorto join our team serving ultra-high net worth individuals families and family office clients. This role demands a unique blend of investment expertise advanced tax knowledge estate planning acumen insurance proficiency and exceptional interpersonal skills. The ideal candidate will act as atrusted advisor and strategic partnerto C-suite executives and multi-generational families delivering comprehensive wealth management solutions while driving business growth.

ROLE RESPONSIBILITIES

Wealth Management & Client Advisory

• Provide holistic financial planning and wealth advisory services including investment management tax planning estate planning risk management and cash flow analysis
• Counsel C-suite executives and high net worth familieswith a consultative solutions-oriented approach
• Proactively identify opportunities to deepen client relationships andgrow revenuethrough new business development and referral generation

Benefits Advisory

• Perform comprehensiveanalysis of company-offered employee benefitsfor C-suite clients including:
  • 401(k) and Qualified Retirement Plans Evaluate plan options employer match optimization contribution strategies (pre-tax vs. Roth) and in-plan investment selection aligned with the clients broader portfolio and asset allocation
  • Non-Qualified Deferred Compensation (NQDC) Plans Advise on deferral elections distribution timing investment allocation within the plan and coordination with overall income tax planning strategies
  • Equity Compensation and Equity-Aware Strategies Analyze stock options (ISOs and NSOs) restricted stock units (RSUs) performance shares and employee stock purchase plans (ESPPs); develop exercise vesting and diversification strategies that balance concentration risk tax efficiency and liquidity needs
  • Health and Insurance Coverages Review employer-provided health insurance dental vision disability (short-term and long-term) group life insurance and supplemental executive benefits to identify gaps and optimization opportunities
• Analyze retirement and separation packages including:
  • Severance terms accelerated vesting provisions and COBRA continuation coverage
  • Pension and supplemental executive retirement plan (SERP) distribution options and rollover strategies
• Counsel clients on transitioning benefits into retirement including:
  • MedicareAbility to coordinate with Internal Medicare team on client calls as liaison understand and have the ability to speak to IRMAA surcharge based on modified adjusted gross income
  • Social Security Develop claiming strategies (early full retirement age delayed credits) spousal and survivor benefit optimization and coordination with other retirement income sources
  • Retiree health and insurance planning Bridge coverage strategies between employer benefits and Medicare eligibility long-term care planning and post-retirement life insurance needs analysis

Investment Management

• Assess client risk tolerancethrough comprehensive profiling utilizing quantitative questionnaires qualitative discovery conversations and behavioral finance insights to establish an accurate risk capacity and willingness framework for each client or family
• Design and build custom asset allocation modelstailored to individual client objectives including:
  • Growth-oriented allocations for wealth accumulation
  • Income-focused allocations for clients in or nearing distribution phases
  • Liability-driven and goals-based allocation frameworks for family office clients with complex multi-generational objectives
  • Tax-aware asset location strategies across taxable tax-deferred and tax-exempt accounts
• Construct monitor and rebalance diversified portfolios spanningall major asset classes including:
  • Fixed income and equities
  • Private markets (private equity private credit real assets)
• Make investment recommendations that are tax-efficient including:
  • Tax-loss harvesting Systematically identify and realize losses to offset capital gains while maintaining target exposure through substitute positions adhering to wash-sale rules
  • Asset location optimization Strategically place tax-inefficient holdings (e.g. taxable bonds REITs high-turnover strategies) in tax-deferred or tax-exempt accounts and tax-efficient holdings (e.g. broad equity index funds municipal bonds long-duration equities) in taxable accounts
  • Municipal bond strategies Recommend federal and state tax-exempt fixed income where appropriate based on the clients marginal tax bracket and state of residence
  • Gain deferral and timing strategies Coordinate the timing of security sales with income events charitable giving and estate transfers to minimize realized capital gains
  • Tax-efficient fund and vehicle selection Favor low-turnover index funds ETFs and separately managed accounts (SMAs) with customizable tax management over high-turnover active mutual funds where appropriate
  • Qualified Opportunity Zone (QOZ) investments Evaluate eligibility and suitability of QOZ funds for clients with significant realized capital gains seeking deferral and potential exclusion benefits
  • Charitable giving integration Coordinate with estate and tax planning to recommend donating highly appreciated securities utilizing donor-advised funds (DAFs) or structuring charitable remainder trusts (CRTs) to achieve both philanthropic and tax objectives
• Evaluate and recommend alternative investment opportunities co-investments and direct deals appropriate for family office clients
• Regularlyreview and recalibrateasset allocation models in response to changes in client circumstances market conditions risk tolerance shifts and evolving financial goals
• Deliver performance reporting and investment commentary to clients on a regular basis benchmarking results against policy targets and relevant indices

Tax Planning & Compliance

• Prepare and SIGNcomplex individual tax returns (Form 1040) including:
  • Multi-state income sourcing
  • Rental property reporting
  • Private market and private partnership K-1 reconciliation
  • Self-employment income reporting
• Have understanding ofGift Tax Returns (Form 709) Trust Tax Returns (Form 1041) and Partnership Returns (Form 1065 and Form 1120S)
• Collaborate with external CPAs tax attorneys and estate planning counsel as needed
• Ability to Prepare Tax Projections and advisre and coordinate estimated payments on behalf of clients

Advanced Estate Planning & Wealth Transfer

• Analyze and interpretclient balance sheetsto identify estate optimization opportunities for efficient wealth transfer and tax minimization
• Demonstrate deep acumen inwealth transfer concepts including:
  • Trust structures Revocable trusts irrevocable trusts (ILITs GRATs SLATs QPRTs CRTs CLTs dynasty trusts) and their tax implications
  • Insurance-based wealth transfer strategies Leveraging life insurance within trust structures for estate liquidity and tax-efficient transfers
  • Structuring trusts and dispositive terms Drafting guidance on distribution provisions trustee selection successor trustee planning and beneficiary designations aligned with client objectives
• Serve as theclients strategic quarterbackby understanding their goals and coordinating execution withestate planning attorneysthrough referral relationships
• Help clients identify and define key parties and terms forcore estate documents including:
  • Last Will and Testament Executor designation guardianship provisions and asset disposition
  • Powers of Attorney (POAs) Financial and healthcare POAs agent selection and scope of authority
  • Trust Agreements Grantor/trustee/beneficiary roles funding strategies and amendment provisions
• Maintain thorough understanding ofgifting rules and gift tax requirements including:
  • Annual exclusion amounts and lifetime exemption utilization
  • Gift-splitting strategies for married couples
  • Reporting requirements underForm 709
  • Strategic use of529 plans Crummey notices and direct payments for tuition/medical expenses
• Monitor evolvingfederal and state estate/gift tax legislationand proactively advise clients on planning adjustments

Risk Management & Insurance

• Assess clients risk exposures and recommend appropriateinsurance solutions including:
  • Life Insurance (term whole life universal life survivorship/second-to-die)
  • Long-Term Care Insurance
  • Annuities
  • Property & Casualty Insurance
• Coordinate with insurance carriers and specialists to implement and monitor coverage
• Integrate insurance strategies withestate planning objectives(e.g. ILITs for estate tax liquidity annuities for guaranteed income floors LTC policies to protect estate assets

Financial Modeling & Planning

• Build and maintain sophisticatedfinancial models including:
  • Multi-year cash flow projections
  • Retirement readiness analysis usingMonte Carlo simulations
  • Scenario and sensitivity analyses for major liquidity events
• UtilizeeMoneyand other planning platforms to deliver comprehensive financial plans

Technical Skills

• Proficiency inMicrosoft Office Suite(Excel Word PowerPoint Outlook)
• Hands-on experience witheMoney Advisorfinancial planning software
• Familiarity withperformance reporting platforms
• Advanced financial modeling capabilities (cash flow projections Monte Carlo simulations scenario analysis)

Core Competencies

• Elevated written and verbal communication skills Ability to distill complex financial tax and estate concepts for sophisticated audiences
• Commercial mindset Proven ability to identify and convert business development opportunities
• Exceptional attention to detail Accuracy in tax preparation financial modeling and compliance documentation
• Ability to operate in a fast-paced environment Skilled at prioritizing competing client needs and managing multiple complex engagements simultaneously
• Collaborative leadership Effective at coordinating across internal teams and external professional networks (attorneys CPAs insurance specialists)

ABOUT GOLDMAN SACHS

At Goldman Sachs we commit our people capital and ideas to help our clients shareholders and the communities we serve to grow. Founded in 1869 we are a leading global investment banking securities and investment management firm. Headquartered in New York we maintain offices around the world.

We believe who you are makes you better at what you do. Were committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally from our training and development opportunities and firmwide networks to benefits wellness and personal finance offerings and mindfulness programs. Learn more about our culture benefits and people at committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: The Goldman Sachs Group Inc. 2026. All rights reserved.

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