Financial Advisor Associate - Montgomeryville, PA

TD Bank, N.A.; Philadelphia (Philadelphia County); On-site; USD 62,000 - 93,000; Full time

Job summary

TD Bank Group seeks a Financial Advisor Associate (FAA) to work within TD Wealth, helping prospects and clients with wealth management needs. The FAA analyzes income, assets, and liabilities to tailor investment and insurance strategies, educates clients, and maintains ongoing advisory relationships.

The FAA will collaborate with Retail Store staff, utilize tools like Salesforce and Money Guide Pro, and travel within the assigned market as needed to grow the client base and achieve annual

Qualifications

• Bachelor's degree strongly preferred.
• SIE & Series 7 required.
• Series 66 (or equivalent) required/licensing.
• Willingness to travel within the assigned market five days a week.

Responsibilities

• Serve as primary relationship manager for TD Wealth clients with advisory needs.
• Analyze client financial information to determine investment and insurance strategies.
• Educate clients on wealth management options and coordinate onboarding.
• Meet quarterly and annual objectives; maintain client relationships and referrals.
• Proficient in Salesforce, Money Guide Pro and related software to track engagement.

Skills

Interpersonal skills

Sales and client relationships

Financial analysis

Time management

Education

Bachelor's degree

SIE & Series 7

Series 66 or equivalent

Tools

Salesforce

Money Guide Pro

Job description

Work Location: Montgomeryville, Pennsylvania, United States of America

Hours: 40

Pay Details: $61,880 - $92,560 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. 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. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business: TD Wealth

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 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 a 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.

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, 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

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

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

Who We Are

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. 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. Learn more

Additional Information

We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process

We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

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 [e-mail]. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Our Values

At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion

At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve. Helping to Make an Impact in Communities – TD Ready Commitment TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

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