Financial Advisor (Multiple Levels) - Greenfield, Massachusetts
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 their experience to serve the unique and complex needs of TD Wealth clients. They review clients’ financial goals and make 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 goals related to asset accumulation, preservation, growth, and protection. The role serves TD Wealth clients in the assigned market and includes regular travel to meet prospects, clients, and partners. The final job level and title will be determined based on the selected candidate’s qualifications, experience, and demonstrated capabilities; candidates may be considered for any role in the Financial Advisor Job Family. The position requires compliance with applicable laws, regulations, firm policies, and procedures, as well as completion of continuing education and required licensing. The advisor is also expected to contribute to a positive and inclusive team environment, support colleagues through coaching and training, and represent TD Wealth professionally in the community.
Requirements
- At least 2 years of experience providing advice, financial planning, and investment sales.
- SIE, Series 7, and Series 63 licenses are required.
- Life and Health license and Series 66 (or equivalent), or the ability to obtain all 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, and required applicant statements or certifications.
- Ability to perform the physical and cognitive functions described in the posting, including continuous sedentary work, multitasking, concentration, reading, writing, comprehending instructions, and basic arithmetic.
Nice To Haves
- Bachelor’s degree is strongly preferred.
Responsibilities
- Provide financial planning guidance and sell investment management solutions.
- Review clients’ financial goals and make investment recommendations aligned with those goals.
- Serve as the primary point of contact for TD Wealth client relationships and manage all aspects of those relationships with TD Bank.
- Deliver a customer-centric client experience and implement a differentiated service model for TD Wealth clients.
- Ensure new clients receive a complete onboarding experience, including client discovery, financial needs analysis, goals-based advice, introductions to centralized client servicing as appropriate, and completion of required documentation.
- Ensure new and existing clients receive a planning experience, including an Annual Client Review with an agenda focused on overall wealth needs and proactive contacts.
- Develop client relationships and deepen wallet share by anticipating client needs and recommending appropriate Wealth solutions while maximizing profitability and maintaining an exceptional client experience.
- Meet quarterly and annual sales goals and partner to promote lead generation.
- Refer clients to Retail, Small Business, Commercial, Wealth partners, and affiliates as appropriate; identify opportunities within the client portfolio and network for referrals.
- Uncover clients’ assets and transition higher-threshold clients to appropriate high-net-worth Wealth partners as needed.
- Execute business activities in compliance with regulations, policies, and procedures, including applicable federal, state, SRO, and firm requirements.
- Complete 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 other customer due diligence and enhanced due diligence requirements.
- Foster a positive and constructive work environment and support the overall Wealth team.
- Provide coaching, Wealth referral training, and ongoing feedback to Retail and Small Business staff.
- Contribute individually and as a team member and mentor to strong performance, collaboration, and enthusiasm among Financial Advisors.
- Represent TD Wealth professionally to the general public and participate in the community and TD community and charitable initiatives.
- Support the Bank’s customer service strategy, deliver high-quality service, and contribute to ongoing improvements in the customer and partner experience.
- Participate fully as a team member, communicate project and issue status, and share information and knowledge with colleagues.
- May provide leadership, training, and guidance to other team members.
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.
- Reward and recognition programs.
- Training and onboarding.
- Regular career, development, and performance conversations.
- Access to an online learning platform and mentoring programs.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
