SUMMARY: The Financial Advisor is the primary advisor for clients typically in the $250K - $2MM segment (and may support "Prime" relationships as designed), delivering a structured advice experience including inquiry, planning, implementation, and periodic reviews. The Financial Advisor partners with specialists as needed and ensures consistent, proactive client engagement.
PRINCIPAL ACCOUNTABILITIES: Time: Description: 15% Develop and maintain a portfolio of investment and wealth management clients.
15% Conduct comprehensive financial reviews and needs analyses. Deliver personalized financial planning and investment recommendations based on each client's objectives, risk tolerance, and financial circumstances.
10% Build long-term trusted advisor relationships through proactive communication and ongoing portfolio reviews. Identify opportunities to deepen client relationships across banking, wealth management, trust, insurance, and lending products.
5% Generate new investment assets through referrals, prospecting, centers of influence, and community involvement.
5% Partner with retail and commercial banking teams to identify and cultivate wealth management opportunities. Conduct client seminars, educational workshops, and networking activities to enhance business development efforts.
5% Meet or exceed established production, asset growth, and client acquisition goals.
5% Develop and implement tailored investment strategies aligned with client goals. Provide guidance related to retirement planning, education planning, wealth accumulation, income strategies, and legacy planning.
5% Monitor portfolio performance and recommend appropriate adjustments, as needed.
5% Stay informed of market trends, economic conditions, investment products, and industry developments.
5% Ensure all activities comply with applicable SEC, FINRA, state insurance, and Bank regulations.
5% Maintain accurate and complete client documentation and records.
5% Adhere to all fiduciary, suitability, and disclosure requirements. Complete all required compliance training and continuing education.
5% Work collaboratively with Bank leadership and referral partners to promote a coordinated client experience.
5% Participate in sales meetings, branch visits, community events, and strategic initiatives. Serve as a resource and subject matter expert for associates regarding wealth management solutions.
5% Contribute to special tasks and projects, as assigned.
BASIC QUALIFICATIONS: Bachelor degree with 4 years' experience in financial advisory, planning, brokerage, or Bank-based investment programs or an equivalent combination of education and experience.
ADDITIONAL QUALIFICATIONS: - FINRA Series 7 License
- FINRA Series 66 (or Series 63 and 65)
- North Carolina Life and Health Insurance License (or ability to obtain within a specified timeframe.
- Strong understanding of investment products, retirement planning, financial planning, and wealth management principles.
- Excellent interpersonal, presentation, and relationship management skills.
- Proven ability to identify client needs and recommend appropriate solutions.
- Strong sales, business development, and networking skills.
- Ability to communicate complex financial concepts in a clear and understandable manner.
- Strong organizational skills and attention to detail.
- Commitment to delivering exceptional client service consistent with Fidelity Bank's relationship-focused culture.
PREFERRED QUALIFICATIONS: - Certified Financial Planner (CFP®)
- Chartered Financial Consultant (ChFC®)
- Chartered Financial Analyst (CFA®)
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 of personnel so classified.
