Personal Financial Advisor - Greenville, SC

TD•Greenville, SC

11d•$26 - $39•Onsite

About The Position

This role works from a centralized hub with clients in the Mass Affluent (MA) segment to attract and retain clients by addressing their wealth management needs. 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. Recommends personalized investment and insurance solutions to meet the client's objectives. This role 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. This role possesses broad knowledge and the ability to inform and educate clients on the financial markets and market conditions. As a fiduciary this role 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. This role 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
Series 7 and Series 66 or equivalent (Series 63 and Series 65) and Life and Health License or,
SIE and 2+ years of experience relatable to the role and the ability to obtain Series 7 and Series 66 or equivalent (Series 63 and Series 65) and Life and Health within the Licensing and Registration Schedule

Nice To Haves

Understanding of 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
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, and 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
Understands and supports the Bank's Customer Service Strategy
Considers the impact of decisions on the well-being of TD, its Customers and stakeholders
Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity
Models quality service delivery at every interaction
Leads and contributes to the ongoing improvement of the partner/Customer experience
Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and creates an extraordinary employee experience
Participates fully as a member of the team and contributes to a positive work environment
May provide leadership, training, and guidance to other team members
Ensures ongoing communication with the team on the status/progress of projects and issues/points of interest
Actively shares information and knowledge, and proactively learns from the expertise of others