Job TitleThis role works with TD Wealth prospects and clients to attract and retain clients by addressing their wealth management advisory needs. Meets with prospects and clients to analyze their financial information, including income, cash flow, assets and liabilities, analyzes and understands their short and long term financial goals, educates and advises prospects and clients regarding investment and insurance strategies and products, and recommends personalized/tailored investment and insurance strategies and products to meet their financial and wealth creation objectives.Possesses 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. 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, this role 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. Responsible for all aspects of developing and maintaining client relationships by providing on-going consultation, advice, planning and day to day account servicing.Relies 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, this role 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 & ScopeServes as the primary relationship manager and financial advisor for TD Wealth clients with a Wealth management advisory needDevelops, maintains and manages all aspects of the client's relationship with TD WealthWorks with prospects to attract and develop clients and address their wealth management advisory needsAnalyzes client and prospect financial information, including income, cash flow, assets and liabilities, analyzes and understands 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 sameBuilds a client base by acquisition of new clients on an ongoing basisEducates and advises prospects and clients regarding investment and insurance strategies and productsRetains 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 appropriateRecommends personalized/tailored investment and insurance strategies and products to meet client's financial and wealth creation objectivesMeets quarterly and annual objectivesProficient in SalesForce, Money Guide Pro and other authorized software to effectively track client engagement and provide adviceEnsures all new clients receive the complete on-boarding experience, which includes: A thorough client discovery leading to a truly exceptional client experienceCompletion of a financial needs analysis to provide objective, individualized goals based adviceCompletion of all requisite client onboarding documentsProvides education, coaching, Wealth referral training, and ongoing feedback to Retail and Small Business staffEffectively 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 needsDeepens wallet share by anticipating client needs and suggesting the most appropriate Wealth solutionsIdentifies opportunities within the portfolio and network to refer business to Retail and Small Business/Commercial PartnersExecutes in a manner that is compliant with regulations, policies and proceduresAdheres 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 attainedResponsible for understanding and adhering to TD Bank & TD Wealth Policies and ProceduresResponsible 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 proceduresDevelops understanding of client's assets and transitions higher threshold clients to appropriate HNW Wealth partners, as neededResponsible for fostering and contributing to a positive and constructive work environment with a focus on supporting the overall Wealth teamContributes individually, as a team member and as a mentor to new FAAs, to ensure strong performance, collaboration and enthusiasmRepresents TD Wealth to the general public in a professional mannerDemonstrates involvement in the community and support for TDBG charity and community initiativesEducation & ExperienceBachelor's degree strongly preferred1+ years of relevant work experience in the financial services industry, relevant college degree or completion of the FA Trainee programSIE & Series 7 requiredRequired to have L&H and Series 66 (or equivalent) or the ability to obtain all within the Licensing and Registration ScheduleSelf-directed, with strong ability to plan own activities to achieve sales and referral goalsComprehensive understanding of wealth products and servicesStrong verbal and written communication skillsStrong organizational and time management skillsAbility to travel within assigned market to meet prospects, clients and partners five days a weekAbility to commute within assigned territoryUnderstanding of wealth management business development techniquesUnderstanding and experience interacting with retail and small business banking clientsConsultative sales experience requiredAbility to establish relationships and partner effectively with other departmentsOCCThis position is with a FINRA member, broker and/or dealer and is subject to the requirements of FINRA and Securities Laws. May (or may not) be a registered position under FINRA.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.Physical RequirementsNever: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel – ContinuousInternational Travel – OccasionalPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – OccasionalSquatting – OccasionalBending – OccasionalKneeling – OccasionalCrawling – OccasionalClimbing – NeverReaching overhead – OccasionalReaching forward – OccasionalPushing – OccasionalPulling – OccasionalTwisting – OccasionalConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – Continuous