Financial Advisor Associate - Bluffton, SC

TD • Bluffton, SC

4d • $61,880 - $92,560

About The Position

The Financial Advisor Associate (FAA) serves as the primary relationship manager and financial advisor for TD Wealth clients with wealth management advisory needs. The FAA builds and maintains client relationships, attracts new clients, and provides ongoing consultation, advice, planning, and account servicing. The role analyzes clients’ and prospects’ financial information, circumstances, and short- and long-term goals to recommend individualized investment and insurance strategies and products. As a fiduciary, the FAA puts clients’ financial interests first and provides objective advice, long-term retirement planning, and annual reviews.

The FAA develops a client base within an assigned territory, partners with Retail and Small Business staff to identify referrals, and identifies opportunities to collaborate with other business partners. The role is accountable for quarterly and annual objectives, client onboarding and ongoing reviews, compliance with applicable regulations and firm policies, and continuing education. The position requires travel within the assigned market to meet with prospects, clients, and partners five days a week.

Requirements

• At least 1 year of relevant financial services industry work experience, a relevant college degree, or completion of the FAA Trainee program.
• SIE and Series 7 required.
• Must have Life and Health (L&H) and Series 66 or equivalent, or be able to obtain them within the Licensing and Registration Schedule.
• Self-directed, with the ability to plan activities to achieve sales and referral goals.
• Comprehensive understanding of wealth products and services.
• Strong verbal and written communication skills.
• Strong organizational and time management skills.
• Ability to travel and commute within the assigned market or territory to meet prospects, clients, and partners five days a week.
• Understanding of wealth management business development techniques.
• Understanding of and experience interacting with retail and small business banking clients.
• Consultative sales experience.
• Ability to establish relationships and partner effectively with other departments.
• Must be eligible for employment under FINRA standards and meet applicable FINRA investigation and verification requirements.
• Satisfactory criminal background, credit report, civil litigation, and regulatory or self-regulatory organization enforcement action checks are required.
• Bachelor’s degree strongly preferred.

Nice To Haves

• Bachelor’s degree.

Responsibilities

• Serve as the primary relationship manager and financial advisor for TD Wealth clients with wealth management advisory needs.
• Develop, maintain, and manage all aspects of client relationships with TD Wealth.
• Attract prospects and acquire new clients on an ongoing basis.
• Analyze client and prospect income, cash flow, assets, liabilities, goals, objectives, and circumstances to identify appropriate strategies and products.
• Educate and advise prospects and clients on financial analysis, markets, goals, investment and insurance strategies, products, and wealth management.
• Recommend personalized investment and insurance strategies and products that meet clients’ financial and wealth creation objectives.
• Retain and grow the client base through relationship management, ongoing communication, consultation, and periodic updates to financial plans.
• Meet quarterly and annual objectives and deepen client relationships by anticipating needs and recommending appropriate Wealth solutions.
• Use Salesforce, MoneyGuidePro, and other authorized software to track client engagement and provide advice.
• Ensure new clients receive a complete onboarding experience, including client discovery, a financial needs analysis, and completion of required onboarding documents.
• Educate, coach, and train Retail and Small Business staff on Wealth referrals, and provide ongoing feedback.
• Ensure clients receive periodic contacts and an Annual Client Review meeting focused on their overall wealth and financial planning needs.
• Identify portfolio and network opportunities to refer business to Retail and Small Business or Commercial partners.
• Execute business activities in compliance with regulations, policies, and procedures, including applicable federal, state, SRO, and firm requirements.
• Meet continuing education requirements and adhere to TD Bank and TD Wealth policies and procedures.
• Implement TD’s Customer Identification Program by collecting and verifying required customer identification information and completing due diligence requirements.
• Understand client assets and transition higher-threshold clients to appropriate high-net-worth Wealth partners when needed.
• Contribute to a positive and constructive Wealth team environment, collaborate with colleagues, and mentor new FAAs.
• Represent TD Wealth professionally to the public and support community and charitable initiatives.

Benefits

• Base salary and variable compensation or incentive awards, potentially including cash and/or equity awards through an incentive plan.
• Health and well-being benefits.
• Savings and retirement programs.
• Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO.
• Banking benefits and discounts.
• Career development, training programs, mentoring programs, and reward and recognition.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level