Financial Advisor - North Andover, Massachusetts

About the role

The Financial Advisor (FA) role is a three-year program with a forgivable draw, for financial advisors or planners who will be providing financial planning guidance and selling investment management solutions. A FA will need to leverage their experience to service the unique and complex needs of TD Wealth clients by reviewing financial goals and making investment recommendations aligned to their client's goals. The role will serve as the central point of contact, responsible for providing client service and developing the relationship to achieve greater share of wallet by helping clients achieve their goals related to asset accumulation, preservation, growth, and protection.

Responsibilities

• Experience selling investments and providing financial plans
• Demonstrate commitment to being customer-centric by delivering legendary service during every customer interaction to maximize retention and growth
• Ensure all new clients receive the complete on-boarding experience, which includes: a thorough client discovery, completion of a financial needs analysis to provide goals-based advice, an introduction to the centralized client servicing team as per client need, and completion of all requisite client documents
• Partner and promote lead generation
• Manage goals, prioritize tasks and work comfortably in a fast paced environment
• Ensure all new and existing clients are provided with a planning experience
• Effectively implement 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
• Serve as the primary point of contact for TD Wealth client relationships; manage all aspects of the client's relationships with TD Bank and refer to Retail and Wealth partners and affiliates as needed
• Implement and execute a differentiated service model/experience for TD Wealth clients
• Meet quarterly and annual sales goals
• Deepen wallet share by anticipating client needs and suggesting the most appropriate Wealth solutions. Maximize profitability, while ensuring the client receives an exceptional client experience
• Identify opportunities within your portfolio and network to refer business to Retail and Small Business/Commercial Partners
• Execute in thorough manner that is compliant with regulations, policies and procedures
• Adhere 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.)
• Ensure all Continuing Education requirements are attained
• Understand and adhere to TD Bank and TD Wealth Policies and Procedures
• Implement 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
• Uncover client's asset and transitions higher threshold clients to appropriate HNW Wealth partners as needed
• Foster and contribute to a positive and constructive work environment with a focus on supporting the overall Wealth team
• Provide coaching, Wealth referral training and on-going feedback to Retail and Small Business staff
• Contribute individually, as a team member and as a mentor to new FAs, to ensure strong performance, collaboration and enthusiasm
• Represent TD Wealth to the general public in a professional manner
• Be involved in the community and support TDBG charity and community initiatives

Qualifications

• Bachelor's degree strongly preferred
• 2+ years of providing advice, planning and investment sales
• SIE, Series 7, Series 63 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
• Advanced 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
• Strong understanding of wealth management business development techniques
• Strong understanding and experience interacting with retail and small business banking clients
• Consultative sales experience required
• Demonstrated ability to establish relationships and partner effectively with other departments
• Proven ability to achieve sales goals

Customer Accountabilities

• 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

Employee/Team Accountabilities

• Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and create an extraordinary employee experience
• Participates fully as a member of the team and contribute 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 learn from the expertise of other OCC Language

Pay

$72,280 - $108,160 USD. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

Schedule

40 hours per week. Ability to travel within assigned market to meet prospects, clients and partners five days a week. Ability to commute within assigned territory.

Benefits

Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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. Colleagues have access to an online learning platform and a variety of mentoring programs.

Physical Requirements

• Domestic Travel – Continuous
• International Travel – Never
• 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