Investment Advisor Representative

The Role

The Investment Advisor Representative (IAR) is responsible for delivering investment advisory services to individual clients, supported by a technology-enabled, hybrid robo-human advisory model. The role focuses on providing ongoing investment advisory support, asset allocation recommendations and mapping, portfolio construction and monitoring, and discretionary investment advice, as appropriate.

Client asset allocations and portfolio recommendations are generated by an underlying advisory model designed to align with each client’s stated objectives, risk tolerance, and personal circumstances. Advisors are responsible for reviewing model‑generated outputs, applying professional judgment, addressing client‑specific considerations, and communicating recommendations clearly and effectively.

Client interactions are supported by digital tools, structured workflows, and platform‑generated insights, enabling advisors to efficiently support multiple client engagements. The role emphasizes consistent, compliant investment advice delivery at scale, with a strong focus on quality client service, regulatory adherence, and disciplined investment processes, rather than primary sales ownership or long‑term relationship management.

Where appropriately licensed, advisors may also support annuity solutions as part of a broader retirement income or investment strategy. 

The Responsibilities

Investment Advisory & Client Delivery

• Provide investment advisory services to individual clients, including ongoing portfolio management, asset allocation recommendations, portfolio construction and monitoring, and discretionary investment advice, as appropriate.
• Review, validate, and interpret model‑generated asset allocations and portfolio recommendations, applying professional judgment to address client‑specific considerations and regulatory requirements.
• Communicate investment recommendations clearly and effectively, explaining rationale, risks, and trade‑offs in a client‑friendly manner.
• Deliver investment advice efficiently across multiple client engagements, leveraging standardized workflows, digital tools, and platform‑provided client information.
• Deliver investment advice by effectively assessing client circumstances using information gathered via the user interface. Serve as an advisor to individuals by assessing financial objectives, risk tolerance, and life goals.

Technology-Enabled Advisory Model

• Operate within a hybrid robo‑human advisory framework, where core portfolio construction and asset allocation are generated by an underlying asset allocation model.
• Utilize platform‑generated insights, data inputs, and decision support tools to support consistent advice delivery.
• Identify and escalate exceptions, constraints, or client circumstances that require deviation from or refinement of model‑generated outputs, in accordance with established governance and compliance standards.

Compliance & Risk Management

• Ensure all investment advice, documentation, and client interactions comply with applicable licensing, regulatory obligations, and internal policies.
• Maintain accurate and complete client records, including client objectives, recommendations, disclosures, approvals, and ongoing monitoring activities.
• Adhere to supervisory controls related to discretionary authority, suitability, and model governance.
• Stay current on regulatory changes, investment policies, and changes impacting investment advisory services.
• Complete all required continuing education and compliance training.

The Qualifications

• Licensing requirements
  • Active Investment Adviser Representative (IAR) registration, including successful completion of the Series 65 examination (or equivalent, such as Series 66 where permitted), permitting the provision of investment advisory services
  • Ability to obtain and maintain required registrations and licenses and adhere to all applicable regulatory requirements and ethical standards.
• Preferred licenses / registrations (viewed as a plus)
  • Active insurance producer licenses (e.g., life and health), supporting familiarity with individual insurance products, such as fixed annuities.
  • Broker‑Dealer registrations (e.g., Series 6 or Series 7, with SIE), enabling the recommendation of securities‑based products such as variable annuities.
  • Prior experience working in environments that integrate Registered Investment Advisor (RIA), Fixed Insurance Brokerage (FIB), and/or broker‑dealer models, with clear understanding of role boundaries and regulatory distinctions.
• 3+ years of experience providing investment advisory services to individual clients.
• Familiarity with broader financial planning concepts (e.g., retirement, estate planning, wealth protection).
• Strong communication, presentation, and customer service skills.
• Experience working in an advisory, wealth management or consultative financial services environment.
• Other professional designations (e.g., CFP, CFA) considered an asset.

Skills & Competencies

• Ability to integrate human judgment with robo‑supported insights to deliver timely, high‑quality client guidance.
• Comfort operating in a technology‑enabled advisory environment, including reviewing client information, recommendations, and workflows generated through a digital platform.
• High ethical standards and commitment to compliance and risk management.
• Strong analytical skills to assess client needs and evaluate suitable solutions.
• Ability to manage multiple client appointments and priorities effectively.
• Collaborative approach with internal teams and external partners.
• High attention to detail and documentation accuracy.
• Ability to explain complex investment concepts in clear, client-friendly terms.
• Self-motivated with strong time management skills.

Compensation and Benefits

Base salary range and benefits information for this position are being included in accordance with requirements of various state/local pay transparency legislation. Please note that salaries may vary for different individuals in the same role based on several factors, including but not limited to location of the role, individual competencies, education/professional certifications, qualifications/experience, performance in the role and potential for revenue generation (Producer roles only).

Compensation

The base salary compensation range being offered for this role is $90,000– $120,000 USD per year. This role is also eligible for an annual short-term incentive bonus.

Company Benefits

WTW provides a competitive benefit package which includes the following (eligibility requirements apply):

• Health and Welfare Benefits: Medical (including prescription coverage), Dental, Vision, Health Savings Account, Commuter Account, Health Care and Dependent Care Flexible Spending Accounts, Group Accident, Group Critical Illness, Life Insurance, AD&D, Group Legal, Identify Theft Protection, Wellbeing Program and Work/Life Resources (including Employee Assistance Program)
• Leave Benefits: Paid Holidays, Annual Paid Time Off (includes paid state/local paid leave where required), Short-Term Disability, Long-Term Disability, Other Leaves (e.g., Bereavement, FMLA, ADA, Jury Duty, Military Leave, and Parental and Adoption Leave), Paid Time Off
• Retirement Benefits: Contributory Pension Plan and Savings Plan (401k). All Level 38 and more senior roles may also be eligible for non-qualified Deferred Compensation and Deferred Savings Plans.

Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles County Fair Chance Ordinance for Employers, we will consider for employment qualified applicants with arrest and conviction records.

EOE, including disability/vets