Financial Advisor (Multiple Levels) - Lowell, Massachusetts

TD Bank • Lowell, MA

3d

About The Position

The Financial Advisor 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 TD Wealth clients’ unique and complex needs by reviewing financial goals and recommending investments aligned with those goals. As the central point of contact for client relationships, the advisor provides client service and develops relationships to help clients achieve asset accumulation, preservation, growth, and protection goals while increasing share of wallet.

The advisor delivers a complete onboarding and planning experience to new and existing clients, conducts annual client reviews and proactive outreach, and coordinates with Retail, Small Business, Commercial, and Wealth partners as appropriate. The role is responsible for meeting sales goals, deepening client relationships, identifying referrals, and delivering a differentiated service experience while adhering to applicable regulations, firm policies, and customer due diligence procedures. The advisor also supports the Wealth team through collaboration, mentoring, training, and community involvement. The specific title and level within the Financial Advisor job family will depend on the selected candidate’s qualifications, experience, and demonstrated capabilities.

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 ability 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.
• Ability to commute within the assigned territory.
• Strong understanding of wealth management business development techniques.
• 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 satisfy applicable investigation, verification, and background-check requirements.
• Bachelor’s degree strongly preferred.

Nice To Haves

• Bachelor’s degree.

Responsibilities

• Review clients’ financial goals and make investment recommendations aligned with their goals.
• Provide financial planning guidance and sell investment management solutions.
• Serve as the primary point of contact for TD Wealth client relationships and manage all aspects of clients’ relationships with TD Bank.
• Deliver a complete onboarding experience to new clients, including client discovery, financial needs analysis, goals-based advice, introduction to centralized servicing as needed, and completion of required documents.
• Ensure new and existing clients receive a planning experience, including annual client review meetings and proactive contacts.
• Meet quarterly and annual sales goals and deepen wallet share by anticipating client needs and recommending appropriate Wealth solutions.
• Partner to promote lead generation and identify opportunities to refer business to Retail, Small Business, Commercial, and Wealth partners and affiliates.
• Refer higher-threshold clients to appropriate high-net-worth Wealth partners as needed.
• Execute business activities in compliance with regulations, policies, and procedures, including customer identification, due diligence, and enhanced due diligence requirements.
• Complete continuing education requirements and adhere to TD Bank and TD Wealth policies and procedures.
• 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 a 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, provide high-quality service, and contribute to improving partner and customer experiences.
• Communicate project and issue progress with the team, share knowledge, and learn from colleagues.

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 an online learning platform.
• Reward and recognition programs.

What This Job Offers

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