Financial Advisor Associate- Ramsey, NJ

Work Location

Work Location: Ramsey, New Jersey, United States of America

Hours: 40

Pay Details: $66,560 - $99,320 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  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 more specific details for this role.

This role works with TD Wealth prospects and clients to attract and retain clients by addressing their wealth management advisory needs. The role meets with prospects and clients to analyze their financial information, including income, cash flow, assets and liabilities, and understands their short and long term financial goals to educate and advise on investment and insurance strategies and products. A fiduciary, the role put the client's financial interests first when providing objective financial advice, long‑term retirement planning, and annual reviews.

The position is responsible for all aspects of developing and maintaining client relationships by providing ongoing consultation, advice, planning, and daily account servicing. The role also educates and coaches Retail Store staff to identify referral prospects, identify enterprise opportunities, and engage key partners across the organization.

• 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, and determines appropriate investment and insurance strategies and products.
• 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, and periodic analysis and updates to client’s financial planning as necessary.
• 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 Sales Force, Money Guide Pro and other authorized software to track client engagement and provide advice.
• Ensures all new clients receive the complete onboarding experience, including thorough client discovery, a financial needs analysis, completion of all requisite documents, and ongoing education.
• 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 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.
• 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 by collecting and verifying required customer identification information and performing customer due…