Personal Financial Advisor - Greenville, SC

Work Location:

Hours:

Pay Details:

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 candidates 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:

Job Description:

The Personal Financial Advisor (PFA) I works from a centralized hub with clients in the Mass Affluent (MA) segment to attract and retain clients by addressing their wealth management needs. The PFA I meets remotely with prospects and clients to understand their long-term financial goals objectives and risk tolerance by analyzing their financial information including but not limited to their income assets and liabilities. The PFA I recommends personalized investment and insurance solutions to meet the clients objectives. The PFA I will be part of a sales desk team responsible for developing and maintaining TD Wealths client base from several sources including Retail Store referrals from stores without Financial Advisors digital prospects marketing lead lists & accounts transitioned from a field Financial Advisors to the central desk.

The PFA I possesses broad knowledge and the ability inform and educate clients on the financial markets and market conditions. As a fiduciary the PFA I puts the clients financial interests first when providing ongoing objective financial advice long-term retirement planning and when conducting annual reviews to determine if there have been changes in their financial status or goals. The PFA I will be part of a team that collectively is responsible for all aspects of maintaining client relationships by providing on-going advice planning and day to day account servicing.

Depth & Scope:

• Analyzes clients financial information to determine appropriate investment and insurance strategies and products
• Builds a client base by acquiring new clients on an ongoing basis
• Maintains existing client base keeping client information up to date
• Retains a book of business through relationship management and periodic updates to clients financial plan as needed
• Meets quarterly and annual sales goals
• Proficient in Fin-Tech 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 goals-based advice
  • Completion of all requisite client onboarding documents
• Effectively implements a process to ensure every client receives an Annual Client Review (ACR) meeting with an enhanced agenda focused on the clients overall wealth needs as well as pro-active contacts
• Serves as a central sales and planning point of contact for TD Mass Affluent clients without a local FA relationship who have a Wealth need; service all aspects of the clients relationship and submits appropriate referrals to all relevant partners including local field FAs
• Anticipates clients needs and suggests the most appropriate Wealth solutions
• 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 TDs 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
• Uncovers clients asset 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 FAs to ensure strong performance collaboration and enthusiasm
• Represents TD Wealth to the general public in a professional manner
• Be involved in the community and support TDBG charity and community initiatives

Education & Experience:

• Bachelors degree preferred
• Valid and active Series S65 is required or obtained within allotted time period
• Candidates without a valid & active Series 65 must possess 2 years of work experience relatable to the role
• A valid and active Life & Health insurance license is required or obtained within allotted time period
• Understanding wealth management business development techniques products services and overall industry
• Understanding and experience with retail and small business banking and experience interacting with Mass Affluent and HNW clients
• Consultative sales experience preferred
• Ability to establish relationships and partner effectively with other departments

Preferred Qualifications:

• Valid and active Series 7 & 66

OCC Language:

• This 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 Firms 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 applicants Form U4 with the CRD and before representing on the applicants Form U4 that it has conducted this investigation and verified the accuracy and completeness of the information contained in the applicants Form U4; and the Firms obligation to verify the accuracy and completeness of the information contained on the applicants 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 Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel Occasional
• 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

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are:
TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

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:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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. Whether you have a passion for helping customers and want to expand your experience or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and were committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well 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 . Include your full name best way to reach you and the accommodation needed to assist you with the applicant process.