What are the responsibilities and job description for the Financial Advisor position at Pioneer Valley Financial Group?
Summary of Responsibilities:
PV Financial Group is seeking a local, community-minded, and driven individual to
join our growing financial planning firm. This individual will be responsible
for building long-term client relationships, converting prospects into clients,
and coordinating with internal and external professionals to help clients
achieve their financial goals.
Principal Responsibilities
• Sell effectively and ethically; convert prospects to clients, achieving a
closing ratio of >80 percent
• Help individuals identify their unique financial needs and objectives:
o Establish and define the client/advisor relationship
o Gather data, including goals
o Analyze and evaluate financial status
o Develop and present financial planning recommendations and/or alternatives
o Implement financial planning recommendations
o Monitor financial planning recommendations
• Analyze clients’ income and asset situation, as requested; at least once
annually, review and update financial plans and changes
• Recommend plans and products to help clients achieve goals; identify
appropriate investment and insurance solutions (e.g., estate issues, tax
considerations, retirement planning, business planning objectives)
• Comply with all FINRA/SEC/Raymond James compliance regulations; satisfy
continuing education requirements
• Provide personal client service:
o Work effectively with affiliated professionals who also serve as advisors to
clients
o Develop and sustain relationships with other in-house professionals and
strategic alliances; when necessary, refer clients to strategic allies (e.g.,
attorneys) to ensure that needs are met
o Respond to client questions and concerns
o Schedule and plan client meetings using the CRM system
o Rebalance client portfolios based on advisor’s criteria and using appropriate
tools (e.g., Model Management)
o Maintain client cost basis information
• Stay current on industry developments; service and product enhancements;
regulatory issues; and client needs or wants
• Create comprehensive financial plans, investment proposals, and retirement
timelines using planning software while considering client goals, risk
tolerance and financial situation
• Research investment products, insurance solutions, and estate planning
strategies.
• Coordinate with clients’ attorneys and CPAs to ensure financial plans align
with legal and tax strategies.
• Actively participate in networking, community and firm events.
Required
knowledge/skills/competencies
• BA or BS in business; advanced degree/designation a plus (e.g., MBA, CFP®, or
CPA)
o Prior enrollment in or willingness to enroll in CFP® certification program
o Insurance certifications (e.g., ChFC®), as appropriate
• FINRA Series 7, 63, and 65 or 66 securities registrations
• State Life and Health insurance licensing
• Minimum of 1 to 2 years of experience in financial services
• Excellent knowledge and communication of financial planning concepts and
terminology
• Excellent knowledge and communication of products, including mutual funds,
stocks, bonds, insurance policies, and annuities
• Knowledge in estate planning issues
• Proficiency in computer programs, including MS Office Suite and financial
planning software