Financial Advisor

About the role

The Financial Advisor is responsible for developing and maintaining relationships with credit union members and clients by providing comprehensive financial planning, investment advisory services, retirement planning, insurance solutions, and wealth management recommendations. The role involves identifying needs, deepening relationships, delivering exceptional experience, and achieving established business development and revenue goals while adhering to regulatory requirements and fiduciary standards.

Responsibilities

• Develop and maintain strong relationships with clients and credit union members through proactive outreach, referrals, seminars, and branch partnerships.
• Conduct discovery meetings to understand members' financial goals, risk tolerance, investment objectives, and overall financial circumstances.
• Build long-term relationships that foster member loyalty, retention, and asset growth.
• Deliver exceptional client service and serve as a trusted financial resource.
• Create and present comprehensive financial plans tailored to individual needs.
• Provide recommendations regarding investments, retirement planning, college savings, estate planning strategies, insurance protection, and wealth accumulation.
• Review client portfolios regularly and recommend appropriate adjustments based on changing goals, life events, or market conditions.
• Apply a holistic planning approach that incorporates both investment and protection strategies.
• Sell investment and insurance products, available through our Broker Dealer, LPL Financial (LPL), to individuals and small businesses.
• Generate new business through referrals from credit union employees, member interactions, community outreach, and networking activities.
• Conduct educational seminars, workshops, and events to promote financial wellness and program awareness.
• Collaborate with branch personnel and management to identify member opportunities and enhance referral generation.
• Maintain a visible presence throughout assigned branch locations and communities served.
• Maintain adherence to all regulatory requirements, compliance policies, and supervisory procedures governing securities and insurance activities.
• Ensure accurate and complete documentation of client interactions, recommendations, transactions, and suitability determinations.
• Complete required compliance training and licensing requirements in a timely manner.
• Protect confidential member information in accordance with privacy, cybersecurity, and information security requirements.
• Partner with credit union leadership and branch staff to support organizational goals and initiatives.
• Participate in sales meetings, training programs, and strategic planning sessions.
• Maintain accurate records within broker-dealer platform, CRM, financial planning, and reporting systems.
• Contribute to a positive culture focused on client service, teamwork, accountability, and professional development.

Requirements

• Associate or bachelor’s degree in business, finance, or a related field.
• Current FINRA SIE (Securities Industry Essentials), Series 7 & 66 (or Series 6, 63, & 65) & MA State Life, Accident, & Health Insurance license are required.
• CFP designation a plus.
• 3+ years in financial and/or estate planning related work, preferably at a professional financial services company or wealth management firm.
• Financial service and sales experience preferred.
• Experience and knowledge of working within a broker‑dealer, RIA, bank, or credit union and offered products/services a plus.

Qualifications

• Strong knowledge of investments, retirement planning, insurance products, asset allocation, and financial planning principles.
• Awareness of securities, insurance, banking, and consumer financial regulatory and compliance standards.

• Skills

  • Excellent business development, networking, and relationship management skills.
  • Strong organizational and time‑management skills.
  • High attention to detail and accuracy.
  • Proficiency in Microsoft Office (Excel, Word, Outlook), financial planning software, and CRM systems.
  • Effective written and verbal communication skills.
  • Sales-oriented, strong work ethic and self –motivated.

  Benefits

  • Competitive compensation agreement that is based on 100% of your production.
  • Assigned “book of business” of existing clients with recurring revenue to get started.
  • Multiple branches with a large deposit base within an assigned territory.
  • Warm member referrals from engaged credit union staff.
  • Autonomy with robust back-office Financial Assistant support.
  • Program-paid standard overhead, such as licensing & registration, technology, CE, E&O insurance, and other typical pre-approved expenses.
  • Time off and continuing education support.
  • Access to advanced financial planning software.
  • The ability to grow your business with access to LPL’s tools, technology, support, resources, expertise and suite of customized services.
  • Opportunity to make a real difference.

  Pay

  This is a sales commission-based position consisting of a tiered grid with a monthly draw that has levels of being forgivable and non-forgivable. Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.

  Schedule

  This position offers a hybrid work environment, combining remote work with regular on-site days. It is based out of our Lunenburg, MA Branch - IPS Offices, however there is flexibility to allow for working remotely as agreed upon. Travel between branches and surrounding communities to meet with assigned clients, members, and credit union employees is standard. This is subject to change based on business needs.