Virtual Financial Advisor

In a hybrid call-center environment, this role supports clients through a combined Financial Advisor and Service Associate approach. Under limited supervision, you will help manage account activity, provide guidance on portfolios and service questions, and support risk-aware client outcomes for annuity contract owners and other brokerage clients.

Role Overview

Work in a team setting to provide financial services across the full client experience, combining front-line advisory support with operational and service functions. The position emphasizes fiduciary process alignment, escalated client guidance, and continued familiarity with capital market developments that may affect client accounts.

Key Responsibilities

• Complete timely entry of initial applications.
• Stay current on product changes and applicable deadlines.
• Coach and mentor less experienced Investment Central associates.
• Coordinate with other Virtual Financial Advisors to oversee over $3 billion in client assets, ensuring fiduciary processes and procedures align with business practices to mitigate business risk.
• Provide escalated support and guidance for client portfolios and customer inquiries.
• Notify appropriate management of client account issues that may involve or expose the business to potential liability.
• Support management in implementing adequate controls and quality assurance processes to address potential liability.
• Maintain working knowledge of current capital market news and how it may impact client accounts.
• Research, interpret, and translate portfolio investments; educate clients on proper asset allocation and modern portfolio theory.
• Handle sensitive client situations involving AML or other supervisory alerts generated by the firm.
• Understand complex business models and continuously evolving practices.
• Assist clients, branches, advisors, and back-office operations with general questions across business areas.
• Support sales practices, including oversight of the account opening process and execution of client unsolicited orders, with guidance and supervision related to associated sales activities.
• Manage, review, and approve client activity; educate and guide clients on available services and products.
• Establish and manage client brokerage accounts while maintaining complete client information in accordance with internal and external regulations.
• Contact clients to review portfolios, complete the Investment Policy Questionnaire, and provide investment information and suitable recommendations.
• Work to acquire additional assets held away from the firm.
• Place trades, including large volume trades, while performing due diligence and mitigating business risk.
• Ensure firm and regulatory policies are followed to meet compliance standards.
• Perform other duties and responsibilities as assigned.

Required Qualifications

• Knowledge of post-issue product details across various products.
• Understanding of concepts, practices, and procedures of the securities and banking industry.
• Fundamental investment concepts used in the securities industry.
• Principles of banking and finance and securities industry operations.
• Experience with financial markets and products including annuities, UITs, structured products, alternative investments, mutual funds, and stocks.
• Strong organizational and time management skills to prioritize workload, handle multiple tasks, and meet deadlines.
• Detail orientation to maintain quality standards without impairing workflow.
• Follow-up skills to ensure task resolution and completion.
• Ability to review trades and disbursements that may expose the firm to potential liability.
• Research client queries related to various types of brokerage accounts.
• Ability to gather information and prepare oral and written reports.
• Capability to prepare and deliver written and oral presentations.
• Ability to investigate relevant irregularities.
• Ability to identify portfolio gaps based on client objectives using modern portfolio theory.
• Effective, concise client communication (oral and written).
• Proficiency with standard office equipment and required software applications to research and produce emails, memos, spreadsheets, and reports.
• Effective questioning and listening techniques to identify customer needs.
• Ability to execute instructions and request clarification when necessary.
• Independent judgment on monetary issues with potentially significant liabilities to the firm.
• Ability to work independently and collaboratively in a team environment while maintaining confidentiality.
• Ability to establish and maintain effective working relationships at all organizational levels.
• Review a client’s financial profile and determine product appropriateness for risk tolerance, income needs, and goals.
• Bachelor’s Degree (B.A. / B.S.) in a related discipline and a minimum of four (4) years of experience in the financial services industry.
• Minimum of three (3) years’ experience in variable annuities and life insurance products.
• OR equivalent combination of experience, education, and/or training approved by Human Resources.
• SIE required, unless an exemption or grandfathering applies.
• FINRA Series 7 required.
• FINRA Series 66 or 63 & 65 required.

Education

Bachelor’s Degree (B.A. / B.S.) in a related discipline.

Experience

• Minimum of 3 years of experience.
• Minimum of three (3) years’ experience in the areas of variable annuities and life insurance products.

Work Location and Travel

• Location: Saint Petersburg, FL (hybrid)
• Travel: Less than 25%

Benefits

• Medical, dental, and vision
• Life insurance
• Critical illness insurance and accident insurance
• Disability benefits
• Retirement savings
• Paid time off (including vacation, holidays, and sick leave)
• Parental leave

Compensation

The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions.