Financial Advisor - Bear, DE

TD • Bear, DE

3d • $72,280 - $108,160 • Onsite

About The Position

The Financial Advisor (FA) role is a three-year program with a forgivable draw for financial advisors or planners who provide financial planning guidance and sell investment management solutions. The advisor uses their experience to serve the unique and complex needs of TD Wealth clients by reviewing financial goals and making investment recommendations aligned with those goals. The FA is the central point of contact for client service and relationship development, helping clients with asset accumulation, preservation, growth, and protection while seeking to deepen client relationships and share of wallet.

The position serves as the primary contact for TD Wealth client relationships and delivers a differentiated service experience. The FA develops client relationships through discovery, financial-needs analysis, planning, investment recommendations, onboarding, annual reviews, and proactive client contact. The role also supports business development through referrals, sales goals, collaboration with Retail and Small Business/Commercial partners, and coaching and training colleagues. Work must comply with applicable laws, regulations, firm policies, and procedures, including customer identification and due diligence requirements.

This role requires travel within the assigned market to meet prospects, clients, and partners five days a week. It involves continuous domestic travel, sedentary work, multitasking, use of standard office equipment, and prolonged concentration. TD describes the role as a three-year program and offers a total rewards package that may include base salary, variable compensation or incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, and career development.

Requirements

• At least 2 years of experience providing advice, financial planning, and investment sales.
• SIE, Series 7, and Series 63 licenses are 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 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, along with required applicant statements or certifications.

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 clients’ relationships with TD Bank.
• Deliver a customer-centric service experience and develop client relationships to support retention, growth, and share of wallet.
• Ensure new clients receive complete onboarding, including client discovery, financial-needs analysis, goals-based advice, introductions to centralized servicing as appropriate, and required documentation.
• Ensure new and existing clients receive a planning experience.
• Conduct Annual Client Review meetings using an enhanced agenda focused on clients’ overall wealth needs, and make proactive client contacts.
• Implement a differentiated service model for TD Wealth clients.
• Meet quarterly and annual sales goals, anticipate client needs, and recommend appropriate Wealth solutions while maximizing profitability and delivering a strong client experience.
• Identify opportunities in the advisor’s portfolio and network and refer business to Retail and Small Business/Commercial partners and other appropriate partners or affiliates.
• Partner with others and promote lead generation.
• Refer clients with assets above applicable thresholds to appropriate high-net-worth Wealth partners.
• Follow applicable federal and state regulations, SRO regulations, firm policies, and procedures; 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 identification information and completing applicable customer due diligence and enhanced due diligence.
• Foster a positive and constructive work environment and contribute to the overall Wealth team.
• Provide coaching, Wealth referral training, and ongoing feedback to Retail and Small Business staff.
• Contribute as an individual, team member, and mentor to new Financial Advisors to support performance and collaboration.
• Represent TD Wealth professionally to the public and participate in community and TD charity initiatives.
• Support the Bank’s customer service strategy, consider the impact of decisions on TD and its stakeholders, and contribute to improvements in the partner and customer experience.
• Participate fully as a team member, communicate project and issue status, and share information and knowledge.

Benefits

• Base salary and variable compensation or incentive awards, which may include 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 reward and recognition.

What This Job Offers

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