Financial Advisor Associate - Montgomeryville, PA

TD • Montgomeryville, PA

17d • $61,880 - $92,560

About The Position

The Financial Advisor Associate (FAA) serves as the primary relationship manager and financial advisor for TD Wealth prospects and clients with wealth management advisory needs. The role attracts and retains clients by reviewing their income, cash flow, assets, liabilities, circumstances, and short- and long-term goals, then providing objective financial advice and recommending personalized investment and insurance strategies and products. As a fiduciary, the FAA puts clients’ financial interests first and provides ongoing consultation, long-term retirement planning, day-to-day account servicing, and annual reviews to assess changes in clients’ financial situations and goals.

The FAA develops and manages client relationships, acquires new clients, and works toward quarterly and annual objectives. Within an assigned territory, the role educates and coaches Retail and Small Business staff on referrals, identifies opportunities across the organization, and partners with other business areas. The FAA completes client discovery, financial needs analyses, onboarding documentation, periodic client contacts, and Annual Client Review meetings; deepens client relationships by anticipating needs and recommending appropriate Wealth solutions; and refers clients to appropriate partners, including high-net-worth partners where needed.

The position requires compliance with applicable regulations, firm policies, continuing education requirements, customer identification and due diligence procedures, and TD Bank and TD Wealth policies. The FAA also supports the Wealth team, mentors new FAAs, represents TD Wealth professionally, and participates in community and charitable initiatives. The role involves travel within the assigned market to meet 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 licenses 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 within the assigned market to meet prospects, clients, and partners five days a week.
• Ability to commute within the assigned territory.
• Understanding of wealth management business development techniques.
• Understanding of and experience interacting with retail and small business banking clients.
• Consultative sales experience required.
• Ability to establish relationships and partner effectively with other departments.
• Must be eligible for employment under FINRA standards and satisfy applicable investigation and verification requirements.
• Satisfactory criminal background, credit report, civil litigation, and regulatory or self-regulatory organization enforcement-action checks, as required for the position.
• 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 financial information, circumstances, and short- and long-term goals to determine appropriate strategies and products.
• Educate and advise prospects and clients regarding investment and insurance strategies and products.
• Recommend tailored investment and insurance strategies and products to meet clients’ financial and wealth-creation objectives.
• Retain and grow the client base through ongoing communication, consultation, updated client information, and periodic financial plan reviews.
• Meet quarterly and annual objectives.
• Use SalesForce, Money Guide Pro, and other authorized software to track client engagement and provide advice.
• Ensure new clients receive a complete onboarding experience, including client discovery, 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 ongoing contacts and an Annual Client Review meeting focused on their overall wealth and financial planning needs.
• Anticipate client needs and deepen wallet share by suggesting appropriate Wealth solutions.
• Identify opportunities to refer business to Retail and Small Business or Commercial partners.
• Comply with federal and state regulations, SRO regulations, and firm policies and procedures.
• Complete all required continuing education and adhere to TD Bank and TD Wealth policies and procedures.
• Implement TD’s Customer Identification Program by collecting and verifying customer identification information and completing required due diligence.
• Understand clients’ assets and transition higher-threshold clients to appropriate high-net-worth Wealth partners as needed.
• Foster a positive and constructive work environment and contribute to the overall Wealth team.
• Contribute as an individual, team member, and mentor to new FAAs.
• Represent TD Wealth professionally to the general public.
• Demonstrate community involvement and support TDBG charity and community initiatives.

Benefits

• Base salary and variable compensation or incentive awards, including potential cash and/or equity incentive awards through participation in 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.
• Reward and recognition programs.
• Training and onboarding sessions.
• Access to an online learning platform and mentoring programs.

What This Job Offers

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