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.