Financial Advisor (Multiple Levels) - Ludlow, MA

TD Bank • Ludlow, MA

11d

About The Position

The Financial Advisor role is a three-year program with a forgivable draw. Financial Advisors provide financial planning guidance and sell 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. The role is the central point of contact for client service and relationship development, helping clients achieve asset accumulation, preservation, growth, and protection while deepening their relationship with TD Wealth.

The Financial Advisor delivers a complete onboarding and planning experience to new and existing clients, including client discovery, financial needs analysis, appropriate introductions to centralized servicing teams, and required documentation. The advisor conducts Annual Client Review meetings and proactive outreach, manages client relationships across TD Bank, and refers clients to Retail, Wealth, and affiliated partners as appropriate. The position is accountable for quarterly and annual sales goals, identifying opportunities to deepen client relationships and refer business, and delivering a differentiated service experience while complying with applicable laws, regulations, and company policies.

The advisor also contributes to the wider Wealth team by coaching and training Retail and Small Business staff on Wealth referrals, mentoring new Financial Advisors, and fostering a constructive and collaborative work environment. The role represents TD Wealth professionally in the community and supports TD community and charitable initiatives. The position requires continuous domestic travel within the assigned market to meet prospects, clients, and partners; international travel is not required. Final job level and title depend on the selected candidate’s qualifications, experience, and demonstrated capabilities.

Requirements

• At least 2 years of experience providing advice, planning, and investment sales.
• SIE, Series 7, and Series 63 licenses are required.
• Life and Health license and Series 66 (or equivalent) are required, or the ability to obtain them within the Licensing and Registration Schedule.
• Self-directed, with the 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 and commute within the assigned territory to meet prospects, clients, and partners five days a week.
• Strong understanding of wealth management business development techniques.
• Experience interacting with retail and small business banking clients and a strong understanding of those client segments.
• 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 satisfy FINRA investigation and verification requirements.
• Satisfactory criminal background, credit report, civil litigation, and regulatory or self-regulatory organization enforcement-action checks are required.
• Must provide required statements or certifications regarding administrative, civil, and criminal findings by government agencies or self-regulatory organizations.
• Must adhere to applicable securities laws, FINRA requirements, regulations, and firm policies.

Nice To Haves

• Bachelor’s degree 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 clients’ relationships with TD Bank.
• Deliver complete onboarding for new clients, including discovery, financial needs analysis, goals-based advice, introductions to servicing teams as needed, and required documentation.
• Ensure new and existing clients receive a planning experience.
• Conduct Annual Client Review meetings with an agenda focused on clients’ overall wealth needs and provide proactive client contacts.
• Develop client relationships and deepen wallet share by anticipating client needs and recommending appropriate Wealth solutions.
• Meet quarterly and annual sales goals while maximizing profitability and maintaining an exceptional client experience.
• Generate leads and identify opportunities to refer business to Retail, Small Business, and Commercial partners.
• Refer clients to Retail and Wealth partners and affiliates as appropriate, including transitioning higher-threshold clients to appropriate high-net-worth partners.
• Execute business activities in compliance with applicable regulations, policies, and procedures, including federal, state, and SRO requirements.
• Complete continuing education requirements and follow TD Bank and TD Wealth policies and procedures.
• Implement the Customer Identification Program by collecting and verifying customer identification information and performing required due diligence.
• Foster a positive and constructive work environment and support the overall Wealth team.
• Coach and train Retail and Small Business staff on Wealth referrals and provide ongoing feedback.
• Contribute as an individual, team member, and mentor to new Financial Advisors.
• Represent TD Wealth professionally to the public and support community and charitable initiatives.
• Support the Bank’s customer service strategy, model quality service, and contribute to improving the partner and customer experience.
• Participate fully as a team member, share information and knowledge, communicate project status and issues, and help sustain an inclusive culture.
• Travel continuously within the assigned domestic market to meet prospects, clients, and partners.

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, mentoring programs, and access to an online learning platform.
• Reward and recognition programs.

What This Job Offers

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