Personal Financial Advisor - Greenville, SC

TD•Greenville, SC

3d•$26 - $39

About The Position

The Personal Financial Advisor (PFA) I works from a centralized hub with clients in the Mass Affluent (MA) segment to attract and retain clients by addressing their wealth management needs. The PFA I meets remotely with prospects and clients to understand their long-term financial goals, objectives and risk tolerance by analyzing their financial information including but not limited to their income, assets and liabilities. The PFA I recommends personalized investment and insurance solutions to meet the client's objectives. The PFA I will be part of a sales desk team responsible for developing and maintaining TD Wealth's client base from several sources including Retail Store referrals from stores without Financial Advisors, digital prospects, marketing lead lists & accounts transitioned from a field Financial Advisors to the central desk. The PFA I possesses broad knowledge and the ability inform and educate clients on the financial markets and market conditions. As a fiduciary the PFA I puts the client's financial interests first when providing ongoing objective financial advice, long-term retirement planning and when conducting annual reviews to determine if there have been changes in their financial status or goals. The PFA I will be part of a team that collectively is responsible for all aspects of maintaining client relationships by providing on-going advice, planning and day to day account servicing.

Requirements

Bachelor's degree preferred
Valid and active Series S65 is required, or obtained within allotted time period
Candidates without a valid & active Series 65 must possess 2+ years of work experience relatable to the role
A valid and active Life & Health insurance license is required, or obtained within allotted time period
Understanding wealth management business development techniques, products, services and overall industry
Understanding and experience with retail and small business banking and experience interacting with Mass Affluent and HNW clients

Nice To Haves

Consultative sales experience preferred
Ability to establish relationships and partner effectively with other departments

Responsibilities

Analyzes client's financial information to determine appropriate investment and insurance strategies and products
Builds a client base by acquiring new clients on an ongoing basis
Maintains existing client base keeping client information up to date
Retains a book of business through relationship management and periodic updates to client's financial plan as needed
Meets quarterly and annual sales goals
Proficient in Fin-Tech software to effectively track client engagement and provide advice
Ensures all new clients receive the complete on-boarding experience, which includes: A thorough client discovery leading to a truly exceptional client experience Completion of a financial needs analysis to provide goals-based advice Completion of all requisite client onboarding documents
Effectively implements a process to ensure every client receives an Annual Client Review (ACR) meeting with an enhanced agenda focused on the client’s overall wealth needs, as well as pro-active contacts
Serves as a central sales and planning point of contact for TD Mass Affluent clients, without a local FA relationship, who have a Wealth need; service all aspects of the client’s relationship and submits appropriate referrals to all relevant partners, including local field FAs
Anticipates client's needs and suggests the most appropriate Wealth solutions
Executes in a manner that is compliant with regulations, policies and procedures
Adheres to all federal, state, SRO regulations and Firm policies related to all business activities (e.g. OCC, SEC, State Insurance Commissioners, NY Department of Financial Services, etc.)
Ensures all Continuing Education requirements are attained
Responsible for understanding and adhering to TD Bank & TD Wealth Policies and Procedures
Responsible for implementing TD’s Customer Identification Program (CIP) by collecting and verifying required customer identification information, and performing other Customer Due Diligence and Enhanced Due Diligence Requirements as outlined in the Business Unit AML procedures
Uncovers clients asset and transitions higher threshold clients to appropriate HNW Wealth partners as needed
Responsible for fostering and contributing to a positive and constructive work environment with a focus on supporting the overall Wealth team
Contributes individually, as a team member and as a mentor to new FAs, to ensure strong performance, collaboration and enthusiasm
Represents TD Wealth to the general public in a professional manner
Be involved in the community and support TDBG charity and community initiatives