Position: Financial Advisor
Location: Headquarters – Clarence
Department: Sales
Reports to: Sales Director
FLSA Status: Exempt
Job Description:
The Financial Consultant is responsible for identifying and delivering personalized financial solutions to individuals, families, and businesses. This role focuses on client acquisition, relationship management, and developing tailored financial strategies—including investment planning, retirement planning, risk management, estate planning, and insurance services. The consultant acts as a trusted advisor, guiding clients toward their financial goals through education, planning, and ongoing support.
Essential Responsibilities:
Client Acquisition & Business Development
- Develop and execute strategies to achieve production goals for investment and financial service offerings.
- Build a strong client base through referrals, networking, community engagement, and professional connections.
- Maintain influential relationships with prospects and clients by placing a high emphasis on one-trusted advisor-based relationship building.
- Represent the agency at community events, financial education sessions, and networking groups.
Consultative Financial Planning
- Assess client needs, risk tolerance, and financial goals through detailed fact-finding and discovery.
- Develop and present comprehensive financial plans, including retirement, wealth accumulation, college savings, insurance, and estate strategies.
- Provide insurance recommendations such as life, long-term care, disability, and annuities based on client objectives.
- Ensure plans are tailored to client-specific circumstances, regulations, and market conditions.
Account Management & Compliance
- Maintain client files and financial planning records in accordance with regulatory and firm standards.
- Collaborate with internal staff, investment providers, and insurance carriers to implement client strategies.
- Monitor portfolio and plan performance; provide ongoing reviews and recommend adjustments as needed.
- Stay current on industry regulations (FINRA, SEC, DOL), market trends, and product innovations to maintain compliance and offer best-in-class advice.
Professional Development
- Pursue continuing education and maintain all required licenses and designations (e.g., Series 6, 7, 63, 65/66, Life & Health).
- Attend training, seminars, and educational events to improve financial knowledge, client service, and consultative skills.
Other Responsibilities/Duties:
- Other duties as assigned by Management.
Certifications/Licenses Required
- Brokers’ License required
- Valid Driver’s License
Qualifications, Skills and Abilities Required:
- Bachelor’s Degree in finance, economics, business, or related field preferred.
- Minimum of 3 years of experience in financial services, wealth management, or insurance-based planning required.
- High School Diploma or general education degree (GED) with a minimum of 7 years insurance sales experience.
- Series 6, 7, 63/65 or 66 licenses (or willingness to obtain) required.
- Life, Accident & Health insurance license required.
- Excellent communication, presentation, and relationship-building skills.
- Ability to work independently, prioritize multiple client needs, and follow through with precision.
- Proficiency in financial planning software, CRM platforms, and Microsoft Office suite.
Physical Requirements:
While performing the duties of this job, the employee is regularly required to sit; use hand and talk or hear. The employee is occasionally required to stand; walk; reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl.
Occasional travel for client meetings and professional events is expected.
Emerling Floss Murphy & Associates (EFM) was established in July 2020, as the result of a merge of three prosperous Western New York insurance agencies combining to take their services to the next level. This newly merged company brings a combined total of over 200 years of experience serving in the industry and over $50 million in yearly premium volume from commercial and individual accounts.
Emerling Floss Murphy & Associates are also proud members of the EMS Group, which is an independent insurance agency formed in 1995 with the purpose of expanding resources, and competitive advantages even further. Other members of this group include Stahlka Agency, Inc., and McMahon Agency, Inc.
EFM partners with highly respected insurance companies which are carefully selected group of financially sound and reputable in the industry.
With that, EFM possesses a strong philosophy in business – success comes from outstanding service to our clients. EFM is here to help their clients see protection and prosperity through quality insurance, reasonable prices, and a partnership that will help them see success.
If you decide to join the EFM team, we hope you embrace this philosophy and enjoy being a part of a very special, locally owned company in Western New York.
Emerling Floss Murphy & Associates is Proud to be an Equal Opportunity Employer M/F/V/D Committed to Affirmative Action.