Job
Description
Is your new career everything you thought it would be? Were you promised independence and now you find yourself being monitored? Were you told to build relationships and now being told to push products? At Guardian, we expect and reward forward thinking and creativity. If you’re interested in developing a certain market, you can. If you are interested in gaining new knowledge and expertise, we’ll help. As a Guardian Financial Representative, it is up to you to define your financial career any way you want, and it is up to us to provide you with the tools and support you need to truly have it all.
Job Responsibilities: - Provide sound financial recommendations to insure financial security for clients, and possess the capability to move clients to take action and implement said recommendations.
- Act as an advocate for your clients; commitment to enhance, enrich and serve client base.
- Learn and implement existing client resource tools, and employ cutting edge financial strategies to grow and develop long lasting, value based client relationships.
- Professional Growth: Commitment to engage in a career long process of ongoing training and education to acquire above average skill and knowledge of all financial products and services where applicable to changing economic conditions and market shifts.
- Expand a business practice by use of effective prospecting and referral based strategies, as well as identifying and cultivating new client relationships within a targeted market niche.
- Learn best selling skills practices and/or willingness to improve/develop existing sales skills
Job Requirements
To be a Financial Representative is to be passionate about people and their financial betterment. Successful Guardian Financial Representatives have a drive to contribute rather than simply a drive to succeed. They cultivate relationships easily and thrive on them. You’ll need four key personality traits as a Guardian Financial Representative: - The DRIVE to be an entrepreneur, to stay motivated, to contribute to your clients’ wealth and happiness
- The POISE to weather the ups and downs of owning your own business (it takes 3-5 years to build any business, including this one)
- A SOCIABILITY that transcends stereotypes, yet is targeted to a specific client that you define
- An AUTHENTICITY that shows itself in your own belief in, and ownership of, the products and services you are providing
Education and Experience: - Entrepreneurial minded with a strong work ethic
- Desire to help others manage and achieve financial security
- Highest level of integrity, ethics & trustworthiness
- Above average communication skills including great presentation ability
- Strong interpersonal and relationship building skills with a focus in identifying problems and developing solutions
- Basic computer skills
- Affinity for education and professional development
- Goal oriented with a commitment to personal growth
- Willingness to obtain certain recognized industry professional designations as a commitment to professional development
- Have or will secure a series 6, series 7, and series 63 as well as State Life and Health Exams
Benefits
As a Guardian Financial Representative, you are eligible for the following optional benefits: Medical coverage available at a reasonable cost, deducted from your salary on a pre-tax basis, plus a 100% cost sharing program of medical and dental benefits for all agents meeting certain production requirements. Short-Term Disability based on your length of service (from 60% to 100% of your salary) at no cost to you. Long-Term Disability for representatives under contract for at least one year. Dental Benefits for representatives under contract for at least two years, at a reasonable cost deducted from your salary on a pre-tax basis. These benefits include preventative care as well as other major services.
Accidental Death and Dismemberment for those representatives participating in a Guardian health plan, with coverage equal to your Guardian group life insurance up to $50,000.
Flexible Spending Account to allow tax-free payment of certain IRS eligible expenses, effective January 1 following your date of contract.
Cooperative Investment Plan, a retirement savings plan with pre-tax [401(k)] and after-tax [401(a)] contribution alternatives that provide tax-deferred cash accumulations for your retirement. Guardian also contributes an annual match on your behalf.
Non-Contributory Pension Plan in addition to the participatory Cooperative Investment Plan, at no cost to you and with a fast vesting schedule, after only five years of qualified service.
Wealth Accumulation Plan (WAP), Guardian's non-qualified supplemental retirement plan for our high-producing career agents, offers the potential for millions of dollars in appreciation for an outstanding career, above and beyond your pension, 401(k), post-retirement renewals and lifetime service fees.
Vision coverage, which representatives can enroll for annually.
Group Long-Term Care, a plan designed specifically to cover the costs associated with extended long-term care services for people who are unable to care for themselves. These services include assistance in the home with day-to-day activities, as well as services in a community-based setting such as adult day care, an assisted living facility or a nursing home.
Life Insurance coverage for representatives is available from the first day of the representative's contract with Guardian.
