Chief Investment Officer / Head of Investments

Design and own the Investment Policy Statement and the 50/30/20 model portfolio framework across risk bands

Select and maintain the actual fund/ETF lineup using clear, defensible due-diligence criteria (cost, liquidity, tax efficiency, tracking accuracy)

Define the rebalancing and tax-loss-harvesting logic and work hands-on with our existing 14-person engineering team to translate it into working product — you write the spec, no separate team required

Serve as the named investment lead in our Form ADV and in client-facing and marketing materials

Partner with our General Counsel and existing compliance team to help them understand what's different about running an RIA versus our existing broker-dealer and funding-portal businesses

Set the compliant talking points our licensed representatives will use when discussing advisory accounts with clients

Report directly to [CEO / President] with full ownership of the investment function

You have personally built and run model portfolios at a small-to-midsize RIA or robo-advisor — hands-on, not delegated

CFA charter or equivalent demonstrated track record; we care more about what you've shipped than the letters after your name

Working knowledge of modern portfolio theory, asset allocation methodology, and passive fund/ETF selection

Comfortable being publicly named as the face of an investment strategy, including in regulatory disclosures

Able to write product requirements an engineering team can build from directly, without a translator

Startup mindset: you're building this function from scratch, not inheriting a department

A CIO who expects to hire a team before proving out the first version of the product

Someone whose experience is purely institutional or oversight-level, without hands-on portfolio-building work

A pure compliance or legal background — we have that covered; we need investment judgment