Financial Advisor Associate - Lowell, Massachusetts
TD, Lowell, MA, United States
Work Location:
Lowell, Massachusetts, États-Unis d'Amérique
Hours:
40
Pay Details:
$61,880 - $92,560 USD
Line Of Business:
Gestion de patrimoine TD
Job Description The Financial Advisor Associate (FAA) works with TD Wealth prospects and clients to attract and retain clients by addressing their wealth management advisory needs. The FAA will meet with prospects and clients to analyze their financial information, including income, cash flow, assets and liabilities, analyze and understand their short and long term financial goals, educate and advise prospects and clients regarding investment and insurance strategies and products, and recommend personalized/tailored investment and insurance strategies and products to meet their financial and wealth creation objectives.
The successful candidate for the FAA role must possess broad knowledge, and the demonstrated ability to inform, educate and advise clients with respect to financial analysis, financial markets, financial goals, investment and insurance strategies and products, and wealth management. The candidate must also possess strong interpersonal skills to develop a thorough understanding of each client’s individual circumstances and serve as a lasting advisor. As a fiduciary, the FAA will put the client’s financial interests first when providing objective financial advice, long-term retirement planning, and annual reviews.
The FAA is responsible for all aspects of developing and maintaining client relationships by providing ongoing consultation, advice, planning and day-to-day account servicing. The FAA will rely on relationship building skills and the ability to influence to develop their client base and meet assigned goals. Working within an assigned territory, the FAA will educate and coach Retail Store staff to identify referral prospects, identify enterprise opportunities and engage key partners across the organization as appropriate.
Depth & Scope
Serves as the primary relationship manager and financial advisor for TD Wealth clients with a wealth management advisory need.
Develops, maintains and manages all aspects of the client’s relationship with TD Wealth.
Works with prospects to attract and develop clients and address their wealth management advisory needs.
Analyzes client and prospect financial information, including income, cash flow, assets and liabilities, and determines appropriate investment and insurance strategies.
Builds a client base by acquisition of new clients on an ongoing basis.
Educates and advises prospects and clients regarding investment and insurance strategies and products.
Retains and grows client base through relationship management, ongoing communication and consultation.
Recommends personalized/tailored investment and insurance strategies and products to meet client’s financial and wealth creation objectives.
Meets quarterly and annual objectives.
Proficient in SalesForce, Money Guide Pro and other authorized software to track client engagement.
Ensures all new clients receive a complete onboarding experience, including a thorough client discovery, financial needs analysis and completion of all requisite onboarding documents.
Provides education, coaching, wealth referral training, and ongoing feedback to Retail and Small Business staff.
Implements a process to ensure periodic ongoing contacts and an Annual Client Review (ACR) meeting focused on the client’s overall wealth and financial planning needs.
Deepens wallet share by anticipating client needs and suggesting the most appropriate wealth solutions.
Identifies opportunities within the portfolio and network to refer business to Retail and Small Business/Commercial Partners.
Executes in a manner compliant with regulations, policies and procedures.
Adheres to all federal, state, SRO regulations and firm policies related to all business activities.
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) and performing other due diligence as outlined in AML procedures.
Develops understanding of client’s assets and transitions higher threshold clients to appropriate HNW Wealth partners as needed.
Fosters and contributes to a positive and constructive work environment with a focus on supporting the overall Wealth team.
Contributes individually and as a mentor to new FAAs to ensure strong performance, collaboration and enthusiasm.
Represents TD Wealth to the public in a professional manner.
Demonstrates community involvement and support for TDBG charity and community initiatives.
Preferable Skills
Cambodian language skills preferred to support client needs.
Education & Experience
Bachelor's degree strongly preferred.
1+ years of relevant work experience in the financial services industry, relevant college degree or completion of the FAA Trainee program.
SIE & Series 7 required.
Required to have L&H and Series 66 (or equivalent) or the ability to obtain all within the Licensing and Registration Schedule.
Self-directed, with strong ability to plan own activities to achieve sales and referral goals.
Comprehensive understanding of wealth products and services.
Strong verbal and written communication skills.
Strong organizational and time management skills.
Ability to travel within assigned market to meet prospects, clients and partners five days a week.
Ability to commute within assigned territory.
Understanding of wealth management business development techniques.
Understanding and experience interacting with retail and small business banking clients.
Consultative sales experience required.
Ability to establish relationships and partner effectively with other departments.
Occ
This position is with a FINRA member, broker and/or dealer and is subject to the requirements of FINRA and Securities Laws, may (or may not) be a registered position under FINRA.
Must be eligible for employment under standards established by FINRA, subject to investigation and verification requirements of FINRA Rule 3110(e).
Satisfactory results on background checks and required certifications are required by federal law for this position.
Physical Requirements Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel – Continuous
International Travel – Occasional
Performing sedentary work – Continuous
Performing multiple tasks – Continuous
Operating standard office equipment – Continuous
Responding quickly to sounds – Occasional
Sitting – Continuous
Standing – Occasional
Walking – Occasional
Moving safely in confined spaces – Occasional
Lifting/Carrying (under 25 lbs.) – Occasional
Lifting/Carrying (over 25 lbs.) – Occasional
Squatting – Occasional
Bending – Occasional
Kneeling – Occasional
Crawling – Occasional
Climbing – Never
Reaching overhead – Occasional
Reaching forward – Occasional
Pushing – Occasional
Pulling – Occasional
Twisting – Occasional
Concentrating for long periods of time – Continuous
Applying common sense to deal with problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Adding, subtracting, multiplying and dividing – Continuous
Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
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Lowell, Massachusetts, États-Unis d'Amérique
Hours:
40
Pay Details:
$61,880 - $92,560 USD
Line Of Business:
Gestion de patrimoine TD
Job Description The Financial Advisor Associate (FAA) works with TD Wealth prospects and clients to attract and retain clients by addressing their wealth management advisory needs. The FAA will meet with prospects and clients to analyze their financial information, including income, cash flow, assets and liabilities, analyze and understand their short and long term financial goals, educate and advise prospects and clients regarding investment and insurance strategies and products, and recommend personalized/tailored investment and insurance strategies and products to meet their financial and wealth creation objectives.
The successful candidate for the FAA role must possess broad knowledge, and the demonstrated ability to inform, educate and advise clients with respect to financial analysis, financial markets, financial goals, investment and insurance strategies and products, and wealth management. The candidate must also possess strong interpersonal skills to develop a thorough understanding of each client’s individual circumstances and serve as a lasting advisor. As a fiduciary, the FAA will put the client’s financial interests first when providing objective financial advice, long-term retirement planning, and annual reviews.
The FAA is responsible for all aspects of developing and maintaining client relationships by providing ongoing consultation, advice, planning and day-to-day account servicing. The FAA will rely on relationship building skills and the ability to influence to develop their client base and meet assigned goals. Working within an assigned territory, the FAA will educate and coach Retail Store staff to identify referral prospects, identify enterprise opportunities and engage key partners across the organization as appropriate.
Depth & Scope
Serves as the primary relationship manager and financial advisor for TD Wealth clients with a wealth management advisory need.
Develops, maintains and manages all aspects of the client’s relationship with TD Wealth.
Works with prospects to attract and develop clients and address their wealth management advisory needs.
Analyzes client and prospect financial information, including income, cash flow, assets and liabilities, and determines appropriate investment and insurance strategies.
Builds a client base by acquisition of new clients on an ongoing basis.
Educates and advises prospects and clients regarding investment and insurance strategies and products.
Retains and grows client base through relationship management, ongoing communication and consultation.
Recommends personalized/tailored investment and insurance strategies and products to meet client’s financial and wealth creation objectives.
Meets quarterly and annual objectives.
Proficient in SalesForce, Money Guide Pro and other authorized software to track client engagement.
Ensures all new clients receive a complete onboarding experience, including a thorough client discovery, financial needs analysis and completion of all requisite onboarding documents.
Provides education, coaching, wealth referral training, and ongoing feedback to Retail and Small Business staff.
Implements a process to ensure periodic ongoing contacts and an Annual Client Review (ACR) meeting focused on the client’s overall wealth and financial planning needs.
Deepens wallet share by anticipating client needs and suggesting the most appropriate wealth solutions.
Identifies opportunities within the portfolio and network to refer business to Retail and Small Business/Commercial Partners.
Executes in a manner compliant with regulations, policies and procedures.
Adheres to all federal, state, SRO regulations and firm policies related to all business activities.
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) and performing other due diligence as outlined in AML procedures.
Develops understanding of client’s assets and transitions higher threshold clients to appropriate HNW Wealth partners as needed.
Fosters and contributes to a positive and constructive work environment with a focus on supporting the overall Wealth team.
Contributes individually and as a mentor to new FAAs to ensure strong performance, collaboration and enthusiasm.
Represents TD Wealth to the public in a professional manner.
Demonstrates community involvement and support for TDBG charity and community initiatives.
Preferable Skills
Cambodian language skills preferred to support client needs.
Education & Experience
Bachelor's degree strongly preferred.
1+ years of relevant work experience in the financial services industry, relevant college degree or completion of the FAA Trainee program.
SIE & Series 7 required.
Required to have L&H and Series 66 (or equivalent) or the ability to obtain all within the Licensing and Registration Schedule.
Self-directed, with strong ability to plan own activities to achieve sales and referral goals.
Comprehensive understanding of wealth products and services.
Strong verbal and written communication skills.
Strong organizational and time management skills.
Ability to travel within assigned market to meet prospects, clients and partners five days a week.
Ability to commute within assigned territory.
Understanding of wealth management business development techniques.
Understanding and experience interacting with retail and small business banking clients.
Consultative sales experience required.
Ability to establish relationships and partner effectively with other departments.
Occ
This position is with a FINRA member, broker and/or dealer and is subject to the requirements of FINRA and Securities Laws, may (or may not) be a registered position under FINRA.
Must be eligible for employment under standards established by FINRA, subject to investigation and verification requirements of FINRA Rule 3110(e).
Satisfactory results on background checks and required certifications are required by federal law for this position.
Physical Requirements Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel – Continuous
International Travel – Occasional
Performing sedentary work – Continuous
Performing multiple tasks – Continuous
Operating standard office equipment – Continuous
Responding quickly to sounds – Occasional
Sitting – Continuous
Standing – Occasional
Walking – Occasional
Moving safely in confined spaces – Occasional
Lifting/Carrying (under 25 lbs.) – Occasional
Lifting/Carrying (over 25 lbs.) – Occasional
Squatting – Occasional
Bending – Occasional
Kneeling – Occasional
Crawling – Occasional
Climbing – Never
Reaching overhead – Occasional
Reaching forward – Occasional
Pushing – Occasional
Pulling – Occasional
Twisting – Occasional
Concentrating for long periods of time – Continuous
Applying common sense to deal with problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Adding, subtracting, multiplying and dividing – Continuous
Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
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