Retirement Consultant

Manulife•Boston, MA

1d•$40,000 - $66,700•Hybrid

About The Position

The Retirement Consultant (RC) is a member of a collaborative, phone-based team within U.S. Retirement that helps 401(k) participants who are leaving or retiring from their employers make informed decisions about their retirement assets. The team is responsible for more than $3.5 billion in annual asset retention, including IRA rollover flows. The RC learns about each participant’s needs, explains the available distribution and product options, and offers guidance to help the participant choose an option that fits their circumstances. The RC develops expertise in John Hancock 401(k) products, IRA offerings—including the JH Mutual Fund IRA, JH Managed IRA, and JH Guaranteed Income for Life Variable Annuity IRA (GIFL)—investment options, and education- and advice-based methodologies. The role involves assisting participants with opening or funding IRA accounts, supporting financial intermediaries and partner advisors, and managing inbound and outbound calls to meet participants’ needs in a timely manner. The RC is expected to provide a professional customer experience, meet activity and productivity targets, and uphold high standards of integrity and conduct.

Requirements

1–3 years of financial services experience, preferably in phone-based and/or sales-type roles.
Securities Industry Essentials (SIE) exam, Series 6, and Series 63 required; Series 65 must be obtained within 90 days of hire.
Strong knowledge and understanding of IRAs, 401(k) plans, and investments.
Thorough understanding of John Hancock’s story, products, pricing, services, and procedures.
Working understanding of 401(k) and IRA rules and regulations.
Passion for one-on-one client support.
Strong listening, customer service, and communication skills.
Analytical skills and solid problem-solving ability.
Presentation and negotiation skills.
Knowledge of policies and procedures.
Ability to work independently and collaboratively to meet targets.
Customer focus and ability to anticipate and exceed needs.
Ability to build rapport across diverse audiences.
Attention to detail and strong prioritization and time-management skills.
Ability to influence decisions and drive outcomes.
Accountability, integrity, and professionalism.

Nice To Haves

Bachelor’s degree preferred.
Spanish-language proficiency is considered an asset.

Responsibilities

Educate and help 401(k) participants who are terminating employment or retiring make informed decisions about their retirement assets.
Explain differences, nuances, and advantages of distribution options and available products, and present solutions aligned with participants’ needs and goals.
Assess participants’ needs, present options, and take appropriate action to help them with retirement decisions.
Assist advisors from partner firms with the distribution process and refer potential leads to plan advisors as required by partner commitments.
Develop expertise in John Hancock 401(k) products, IRA offerings, investment options, and education- and advice-based rollover methodologies.
Assist 401(k) participants with opening or funding a John Hancock IRA account.
Work with financial intermediaries to channel assets into John Hancock.
Deliver a professional, superior customer experience throughout participants’ decision-making process.
Review participants’ current 401(k) investment lineups and compare them with John Hancock IRA options.
Use investment tools and methodologies, including John Hancock’s proprietary Fund Matching tool.
Meet monthly activity and productivity targets.
Adhere to high standards of integrity and professional conduct.
Participate in training and coaching programs to build skills and support advancement opportunities.
Share effective education practices and process-improvement ideas with the team.
Perform other duties as assigned.

Benefits

Customizable health, dental, mental health, and vision benefits.
Short- and long-term disability insurance.
Life and AD&D insurance coverage.
Adoption/surrogacy and wellness benefits.
Employee and family assistance plans.
Retirement savings plans, including pension and 401(k) savings plans.
Global share ownership plan with employer matching contributions.
Financial education and counseling resources.
Paid time off, including up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time each year, or more where required by law.
Statutory leaves of absence.
Incentive programs and incentive compensation tied to business and individual performance.