Financial Advisor (Multiple Levels) - Ludlow, MA

TD • Ludlow, MA

1d • $72,280 - $108,160 • Onsite

About The Position

The Financial Advisor role is part of a three-year program with a forgivable draw. The advisor provides financial planning guidance and sells investment management solutions, using experience to serve the unique and complex needs of TD Wealth clients. The role reviews clients’ financial goals and makes investment recommendations aligned with those goals. As the central point of contact for client relationships, the advisor provides service and develops relationships to help clients achieve asset accumulation, preservation, growth, and protection goals while deepening their relationship with TD Wealth.

The Financial Advisor delivers a planning and service experience to new and existing clients, including client discovery, financial needs analysis, onboarding, annual client reviews, and proactive contact. The role manages client relationships, meets sales goals, identifies opportunities for appropriate referrals and wealth solutions, and adheres to applicable regulations and firm policies. The advisor also works with Retail and Small Business colleagues, contributes to the Wealth team, supports staff through coaching and training, and represents TD Wealth professionally in the community.

The position requires continuous domestic travel within the assigned market and territory to meet prospects, clients, and partners. The role involves frequent sedentary work, multitasking, operating standard office equipment, sitting, and extended concentration. Other physical activities, including standing, walking, lifting, bending, and reaching, are occasional; international travel and climbing are not required.

Requirements

• At least 2 years of experience providing advice, planning, and investment sales.
• SIE, Series 7, and Series 63 licenses required.
• Life and Health license and Series 66 (or equivalent), or ability to obtain all required licenses within the Licensing and Registration Schedule.
• Self-directed, with a strong ability to plan activities to achieve sales and referral goals.
• Advanced 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, and ability to commute within the assigned territory.
• Strong understanding of wealth management business development techniques.
• Strong understanding of and experience interacting with retail and small business banking clients.
• Consultative sales experience.
• Demonstrated ability to establish relationships and partner effectively with other departments.
• Proven ability to achieve sales goals.
• Must be eligible for employment under FINRA standards and meet applicable 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

• Provide financial planning guidance and sell investment management solutions to TD Wealth clients.
• Review client financial goals and make investment recommendations aligned with those goals.
• Serve as the primary point of contact for client relationships and manage all aspects of clients’ relationships with TD Bank.
• Deliver a complete onboarding experience for new clients, including discovery, financial needs analysis, introductions to centralized client servicing as appropriate, and required documentation.
• Ensure new and existing clients receive a planning experience and conduct Annual Client Review meetings with an enhanced agenda and proactive client contacts.
• Implement a differentiated service model and deliver high-quality service at each client interaction.
• Meet quarterly and annual sales goals, deepen wallet share, anticipate client needs, and recommend appropriate Wealth solutions while maximizing profitability and client experience.
• Partner with others to generate leads and identify opportunities in the client portfolio and network for referrals to Retail, Small Business, Commercial, and Wealth partners.
• Refer higher-threshold clients to appropriate high-net-worth Wealth partners as needed.
• Execute business activities in compliance with applicable federal and state regulations, SRO requirements, firm policies, and procedures.
• Complete required continuing education and adhere to TD Bank and TD Wealth policies and procedures.
• Implement the Customer Identification Program by collecting and verifying identification information and completing applicable due diligence requirements.
• Foster a positive and constructive work environment and contribute as an individual, team member, and mentor to Financial Advisors.
• Provide coaching, Wealth referral training, and ongoing feedback to Retail and Small Business staff.
• Represent TD Wealth professionally to the general public and participate in community and TDBG charity initiatives.
• Support the Bank’s customer service strategy, contribute to improvements in customer and partner experience, and consider the impact of decisions on TD, customers, and stakeholders.
• Participate fully as a team member, communicate project and issue updates, and share information and knowledge.
• Travel within the assigned market to meet prospects, clients, and partners five days a week.

Benefits

• Base salary and variable compensation or incentive awards, including potential cash and/or equity incentive 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, mentoring programs, and reward and recognition.

What This Job Offers

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