UNKNOWN

FEED

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. 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.

YEAR

Work Location: Burlington, Vermont, United States of AmericaHours: 40Pay Details: $75,000 - $75,000 USDTD 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: TD WealthJob 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 clients individual circumstances and a lasting role as a the client's advisor.As a fiduciary, the FAA will put the clients 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 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, 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 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 clients 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 & Experience:Bachelors degree strongly preferred1+ years of relevant work experience in the financial services industry, relevant college degree or completion of the FAA 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 departmentsOCC: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; andthe Firms 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 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 - ContinuousThe 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 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 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/in

The Toronto-Dominion Bank

Financial Advisor Associate - Burlington, Vermont

Address Management

Alliance/Partner Management

Analysis Skills

Background Investigation

Banking Services

Business Banking

Business Development

Cash Flow

Coaching

Communication Skills

Community Support

Consultative Sales

Credit Reports

Customer Acquisition

Customer Experience

Customer Relations

Customer Relationship Management (CRM)

Customer Retention/Renewal

Customer Support/Service

Customer Training

Customer/Client Research

Develop and Maintain Customers

Due Diligence

Federal Aviation Administration (FAA)

Federal Laws and Regulations

Fiduciary

Financial Analysis

Financial Planning

Financial Services

Global Financial Markets

Government

Insurance

Interpersonal Skills

Investment Strategy

Lift/Move 25 Pounds

Litigation

Meet Sales Quota

Mentoring

Multitasking

Needs Assessment

Office Equipment

Onboarding

Organizational Skills

Presentation/Verbal Skills

Product Management

Regulations

Relationship Management

Retail

Retirement Planning

Sales

Sales Management

Sales Prospecting

Salesforce.com

Securities and Exchange Commission (SEC)

Small Business

State Laws and Regulations

Stock Market

Time Management

Wealth Management

Willing to Travel

Writing Skills

FINRA Security Industry Essentials (SIE) Upon Hire (required) • FINRA License S7 Upon Hire (required) • FINRA License S66 or S63 and 65 Upon Hire (required) • Certified Financial Planner (CFP) (preferred) • Resident State Insurance Licenses (Life, Variable, and Accident/Health or Life & Disability) (required) • In the event you do not hold the required licenses at the time of hire, it will become a condition of your continued employment, and licenses will need to be obtained within the time frame specified in your offer letter. • Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice • Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Keys clients and Key.

Location:Job Summary
The Private Client Advisors focus will be on our Mass Affluent client base with planning and financial wellness as the basis of their methodology and will lead with these concepts. The Advisor will be the primary provider of investment services to KeyBank Mass Affluent clients by providing investment solutions to new and existing clients while identifying full relationship opportunities. Establish a strong partnership with Retail Branch Managers, teams, and Centers of Influence, and maintain strong working relationships with all partners.This is an evergreen posting. We continuously accept applications for this role to build a pipeline of qualified candidates for future openings. While there may not be an immediate vacancy, your application may be considered for upcoming opportunities aligned with this position.Essential Functions• Responsible for growing new clients and expanding existing relationships with clients more than $50,000 in investable assets and will specifically target and execute a consistent sales process and financial plan for clients and prospects with investable assets between $250,000 to $2 Million.
• Host holistic Financial Wellness conversations and complete comprehensive financial plans in order to uncover full household and relationship growth opportunities, both investments as well as banking related, and referring accordingly.
• Utilize a consultative sales process and assessment tools where appropriate, provide comprehensive, needs-based financial solutions to clients by offering a range of investment solutions and partnering with banking center staff.
• Attain sales production and referral goals to the Bank (closed and accepted) by working book of business, lead lists, and closing on received referrals.
• Develop a complete understanding of Key Investment Services solutions to support cross-selling opportunities and learn the core bank products to generate quality and qualified referrals back to the LOBs of the Consumer Bank, where appropriate.
• Be an active member and participant of the Branch team. Engage in person licensed and non-licensed Branch personnel to identify investment referral opportunities from new clients and the existing bank client base.
• Coordinate all aspects of investment product delivery within assigned Branch(es), including the in person coaching and mentoring of branch personnel, client management, service delivery and other resources in order to maximize client needs/best interest-based sales production.
• Develop a strong Center of Influence strategy that leverages partnerships throughout the Consumer Bank.
• Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice
• Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Keys clients and Key.Education• High School Diploma or equivalent experience (required) or
• Bachelors Degree (preferred)Licenses and Certifications• FINRA Security Industry Essentials (SIE) Upon Hire (required)
• FINRA License S7 Upon Hire (required)
• FINRA License S66 or S63 and 65 Upon Hire (required)
• Certified Financial Planner (CFP) (preferred)
• Resident State Insurance Licenses (Life, Variable, and Accident/Health or Life & Disability) (required)
• In the event you do not hold the required licenses at the time of hire, it will become a condition of your continued employment, and licenses will need to be obtained within the time frame specified in your offer letter. Failure to obtain licenses timely may result in termination of employment.Skills• Broad knowledge of characteristics and needs of clients and partners within the bank- based investment market space.
• Demonstrated ability to sell products and services to investment clients; evidence of strong sales results.
• Strong client centric focus.
• Proven ability to work as a collaborative team member.
• Ability to use standard office equipment, proprietary financial services systems.Core Competencies• All KeyBank employees are expected to demonstrate Keys Values and sustain proficiency in identified Leadership Competencies.Physical Demands• General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.Travel• Occasional travel to include overnight stay.Driving Requirements• May need to drive to multiple locations in a single day; ability to operate a motor vehicle with a valid drivers license required.COMPENSATION AND BENEFITSThis position is eligible to earn a base salary rate of $62,400 annually. Compensation for this role also includes eligibility for short-term incentive compensation and deferred incentive compensation subject to individual and company performancePlease click here for a list of benefits for which this position is eligible.Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.

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Financial Advisor Associate - Burlington, Vermont The Toronto-Dominion Bank

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