Financial Advisor Associate - Montgomeryville, PA
for headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must include only sections where posting has real specific content. We have: - Work Location: Montgomeryville, Pennsylvania, United States of America (maybe location info, but not a heading; we can put in a short
maybe under About the role? Not required but we can include location in About the role. - Hours 40 (maybe schedule? It's hours per week). Could be Schedule section: "Hours 40". That's specific. - Pay Details $61,880 - $92,560 USD. So Pay section. - Benefits: Not explicitly listed; there is mention of Total Rewards Package but not specific benefits. The posting includes "Our Total Rewards Package" description but not specific benefits like health, retirement, etc. It mentions "health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition." That's somewhat generic but still specific enough? The instruction: never create Benefits section unless posting actually states them. It does state "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, and reward and recognition." That's specific enough. So we can include Benefits section with those items as list. - About the role: we have description of role: "The Financial Advisor Associate (FAA) works with TD Wealth prospects and clients..." etc. That's substantive. - Responsibilities: many bullet-like sentences describing duties. We can extract as list. - Requirements: licensing, education, experience: "Bachelor's degree strongly preferred", "1+ years of relevant work experience", "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", etc. Also "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". Also FINRA membership etc. Could be under Requirements or Qualifications. We need to decide sections: maybe Qualifications for education/licenses, Skills for abilities, Requirements for experience? The instruction: Use headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can have multiple. We need to preserve all substantive information, not invent or summarize away detail. So we need to include all details from posting, but we can group them. We must not repeat job title as heading. Not include Job ID etc. We must remove boilerplate: cookie/navigation/legal/EEO etc. There's some FINRA legal text; that's substantive? It's about eligibility, background check etc. That is part of requirements? It's about eligibility for employment under FINRA standards, background check etc. That's substantive; we should keep. We must not include duplicated lines. We need to output only HTML fragment. Let's structure:
About the role
Work Location: Montgomeryville, Pennsylvania, United States of America. Hours: 40 per week.
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 successful candidate for the FAA role must also possess strong interpersonal skills in order to develop a thorough understanding of each client's individual circumstances and a lasting role as the client’s advisor. As a fiduciary, the FAA will put the client's financial interests first when providing ongoing objective financial advice, long-term retirement planning, and annual reviews to determine if there have been changes in the client’s financial status or goals or the need for different strategies or products. The FAA is responsible for all aspects of developing and maintaining client relationships by providing on-going consultation, advice, planning and day to day account servicing. The FAA will rely on relationship building skills and the ability to influence in order to develop their client base and meet their assigned goals. Working within an assigned territory, the FAA will educate and coach Retail Store staff to identify referral prospects. The role will need to identify enterprise opportunities and engage key partners across the organization as appropriate/necessary.
That covers About the role. Now Responsibilities: we can list bullet points from "Depth & Scope" and other duty sentences. Let's extract responsibilities: - 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, analyze and understand their short and long term financial, goals/objectives, and circumstances to determine appropriate investment and insurance strategies and products and provides individualized financial advice to clients regarding same - 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 with client, obtaining and analyzing up to date client information on an ongoing basis, and periodically analyzing and determining appropriate updates to client's financial planning as necessary and appropriate - 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 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 objective, individualized goals based advice; Completion of all requisite client onboarding documents - Provides education, coaching, Wealth referral training, and ongoing feedback to Retail and Small Business staff - Effectively implements a process to ensure every client receives periodic ongoing contacts and an Annual Client Review (ACR) meeting with an enhanced agenda 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 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 - Develops understanding of client’s assets 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 FAAs, to ensure strong performance, collaboration and enthusiasm - Represents TD Wealth to the general public in a professional manner - Demonstrates involvement in the community and support for TDBG charity and community initiatives That's a lot; we can list as- . Now Requirements: maybe include education, experience, licensing, FINRA eligibility, background check etc. Let's list: - 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 - Must be eligible for employment under standards established by FINRA - Subject to the investigation and verification requirements of FINRA Rule 3110(e), including: the Firm's obligation to investigate the good character, business reputation, qualifications and experience of an applicant for registration before applying to register the applicant with FINRA and filing the applicant's Form U4 with the CRD, and before representing on the applicant's Form U4 that it has conducted this investigation and verified the accuracy and completeness of the information contained in the applicant's Form U4; and the Firm's obligation to verify the accuracy and completeness of the information contained on the applicant’s Form U4, no later than 30 calendar days after the Form U4 is filed with FINRA. - Satisfactory results on a criminal background check, credit report check, civil litigation search, and regulatory agency or self-regulatory organization enforcement action search, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority or self-regulatory organization, are required by federal law for this position. Now Skills: maybe overlapping with Requirements; but we can separate: Skills could be interpersonal, relationship building, influencing, sales, etc. However we already have many skill-like items in Requirements. To avoid duplication, we could put Skills as separate list focusing on soft skills: interpersonal, relationship building, influencing, communication, organizational, time management, self-directed, consultative sales, ability to establish relationships, partner effectively, etc. But we risk duplication. The instruction: preserve ALL substantive information; do not invent or summarize away detail. Duplication is okay if it's in the original? But we should avoid repeating same sentence verbatim? It says "removed duplicated lines". So we should not duplicate identical lines. But we can have overlapping content if phrased differently? Safer to avoid duplication. We could combine Requirements and Skills into one section? But we need to follow headings; we can have both but ensure no duplicate sentences. We could put Requirements for hard qualifications (education, licensing, experience, FINRA, background). Skills for abilities like interpersonal, relationship building, influencing, communication, organizational, time management, self-directed, consultative sales, ability to establish relationships, partner effectively, etc. Some of those also appear in Requirements list (like strong verbal and written communication skills, strong organizational and time management skills, self-directed, ability to travel, etc). Those are skills. So we could move those to Skills and keep Requirements for education, licensing, experience, FINRA, background. Thus: Requirements: - Bachelor's degree strongly preferred - 1+ years of relevant work experience