Financial Advisor Associate - Lowell,… at TD Securities · Lowell

Summary: TD Securities is one of the world's leading global financial institutions, and they are seeking a Financial Advisor Associate to work with TD Wealth prospects and clients. The role involves analyzing financial information, educating clients on investment strategies, and maintaining client relationships to meet their financial goals. 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 Required Qualifications: - 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 Preferred Qualifications: - Cambodian language skills preferred to support client needs Required Skills: Financial analysis, Wealth management, Investment strategies, Insurance strategies, SalesForce, Money Guide Pro, SIE certification, Series 7 license, Life & Health insurance license, Series 66 license, Financial planning, Retail, small business banking experience, Consultative sales Benefits: 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, Reward and recognition