Financial Advisor

Job Title:

Financial Advisor

Department or Branch:

Workers Investments & Planning Solutions

Working at Workers Credit Union

At Workers Credit Union, everything starts with a simple but powerful purpose:

We enable financial prosperity through values-driven solutions because everyone deserves a future they can believe in.

For more than a century, we’ve been a trusted partner in helping people make confident financial decisions and build stronger futures. Today, as a $2.5B organization serving over 120,000 members, we continue to evolve, thoughtfully blending personal connection with modern capabilities to better support our members in the moments that matter most.

We call this the Workers Way. It shapes how we show up every day, with personalized guidance, practical solutions, and a deep commitment to doing what’s right. Just as importantly, it defines how we work together. We choose purpose over ego. We communicate directly with respect. We dare to grow. We

do the right thing, always

. And we

win together

, because meaningful results are built through shared success.

As we look ahead, we’re building on a strong foundation and continuing to evolve how we operate and deliver impact, simplifying experiences and strengthening capabilities.

We have big plans for the future, and we hope you’ll be part of what comes next.

Why this Role Matters

The Financial Advisor is responsible for developing and maintaining relationships with credit union members and clients by providing comprehensive financial planning, investment advisory services, retirement planning, insurance solutions, and wealth management recommendations. The Financial Advisor is expected to identify needs, deepen relationships, deliver exceptional experience, and achieve established business development and revenue goals while adhering to regulatory requirements and fiduciary standards. This includes recommending individually tailored financial planning strategies utilizing appropriate investment and insurance product solutions towards achieving desired short-term and long-term financial goals.

As a Financial Advisor, you will sell investment and insurance products, available through our Broker Dealer, LPL Financial (LPL), to individuals and small businesses. WCU partners LPL, a leading wealth management firm for independent advisors and financial institutions across the U.S., to offer a complete menu of financial products and services to credit union members. This employment opportunity at WCU would allow you to join the Workers Investments & Planning Solutions Program as a Financial Advisor associated with LPL.

Our program is built on trust, collaboration, and long-term relationships. We are a trusted financial partner offering a supportive environment where advisors can develop their practice while making a meaningful impact on the financial wellness of our members.

What You’ll Contribute

ESSENTIAL JOB DUTIES:

Relationship Management

• Develop and maintain strong relationships with clients and credit union members through proactive outreach, referrals, seminars, and branch partnerships.
• Conduct discovery meetings to understand members' financial goals, risk tolerance, investment objectives, and overall financial circumstances.
• Build long-term relationships that foster member loyalty, retention, and asset growth.
• Deliver exceptional client service and serve as a trusted financial resource.

Financial Planning and Advisory Services

• Create and present comprehensive financial plans tailored to individual needs.
• Provide recommendations regarding investments, retirement planning, college savings, estate planning strategies, insurance protection, and wealth accumulation.
• Review client portfolios regularly and recommend appropriate adjustments based on changing goals, life events, or market conditions.
• Apply a holistic planning approach that incorporates both investment and protection strategies.

Investment and Insurance Sales

• Recommend and implement investment and insurance solutions aligned with objectives and risk profiles.
• Assist clients with account openings, transfers, rollovers, beneficiary updates, and service-related requests.
• Manage and grow assets under management, gross dealer concessions, insurance premiums, and other assigned production metrics.
• Meet or exceed established sales, revenue, and activity goals.

Business Development

• Generate new business through referrals from credit union employees, member interactions, community outreach, and networking activities.
• Conduct educational seminars, workshops, and events to promote financial wellness and program awareness.
• Collaborate with branch personnel and management to identify member opportunities and enhance referral generation.
• Maintain a visible presence throughout assigned branch locations and communities served.

Compliance and Risk Management

• Maintain adherence to all regulatory requirements, compliance policies, and supervisory procedures governing securities and insurance activities.
• Ensure accurate and complete documentation of client interactions, recommendations, transactions, and suitability determinations.
• Complete required compliance training and licensing requirements in a timely manner.
• Protect confidential member information in accordance with privacy, cybersecurity, and information security requirements.

Program and Team Collaboration

• Partner with credit union leadership and branch staff to support organizational goals and initiatives.
• Participate in sales meetings, training programs, and strategic planning sessions.
• Maintain accurate records within broker-dealer platform, CRM, financial planning, and reporting systems.
• Contribute to a positive culture focused on client service, teamwork, accountability, and professional development.

MARGINAL DUTIES

• Assist with special projects related to the wealth management program.
• Participate in community events, sponsorships, and charitable activities representing the credit union and wealth management program.
• Mentor newly hired advisors or support staff as assigned.
• Provide input regarding sales campaigns, marketing initiatives, and program enhancements.
• Test and provide feedback on new technology, planning tools, and operational processes.
• Support business continuity, disaster recovery, and branch staffing initiatives when required.
• Participate in industry conferences and professional development activities.

Other Duties

• Maintain all required professional licenses, registrations, certifications, and continuing education requirements.
• Comply with all credit union, broker-dealer, and registered investment advisor policies and procedures.
• Maintain professional conduct and ethical standards at all times.
• Travel between assigned branch locations and attending member appointments as needed.
• Work occasional evenings and weekends to accommodate member schedules, seminars, workshops, and community events.
• Perform additional duties as assigned, required, requested, or deemed appropriate by management.
• Comply with all WCU policies and procedures.
• Contribute to departmental/organizational projects and initiatives.
• Provide backup support to other financial advisors when needed.

What You’ll Bring

• Associate or bachelor’s degree in business, finance, or a related field.
• Current FINRA SIE (Securities Industry Essentials), Series 7 & 66 (or Series 6, 63, & 65) & MA State Life, Accident, & Health Insurance license are required.
• CFP designation a plus.
• 3+ years in financial and/or estate planning related work, preferably at a professional financial services company or wealth management firm. Financial service and sales experience preferred.
• Experience and knowledge of working within a broker‑dealer, RIA, bank, or credit union and offered products/services a plus.

Knowledge

• Strong knowledge of investments, retirement planning, insurance products, asset allocation, and financial planning principles.
• Awareness of securities, insurance, banking, and consumer financial regulatory and compliance standards.
• Understanding of investment products (mutual funds, annuities, advisory accounts) and services offered.
• Solid knowledge of wealth management program operations and procedures.

Skills

• Excellent business development, networking, and relationship management skills.
• Strong organizational and time‑management skills.
• High attention to detail and accuracy.
• Proficiency in Microsoft Office (Excel, Word, Outlook), financial planning software, and CRM systems.
• Effective written and verbal communication skills.
• Sales-oriented, strong work ethic and self –motivated.

Abilities

• Ability to manage multiple priorities in a deadline‑driven environment.
• Ability to work independently while collaborating effectively with branch and corporate teams.
• Ability to handle sensitive client information with discretion and professionalism.
• Ability to quickly learn and adapt to new technology.

What We Offer

• Trusted institution with deep community roots.
• A collaborative, member-first, value-driven culture.
• Competitive compensation agreement that is based on 100% of your production.
• Assigned “book of business” of existing clients with recurring revenue to get started.
• Multiple branches with a large deposit base within an assigned territory.
• Warm member referrals from engaged credit union staff.
• Autonomy with robust back-office Financial Assistant support.
• Program-paid standard overhead, such as licensing & registration, technology, CE, E&O insurance, and other typical pre-approved expenses.
• Time off and continuing education support.
• Access to advanced financial planning software.
• The ability to grow your business with access to LPL’s tools, technology, support, resources, expertise and suite of customized services.
• An open architecture platform with access to thousands of investment products from leading third-party providers.
• Opportunity to make a real difference.
• And a whole lot more!

How You’ll Work

Hybrid Work Environment:

This position offers a hybrid work environment, combining remote work with regular on-site days. It is based out of our Lunenburg, MA Branch - IPS Offices, however there is flexibility to allow for working remotely as agreed upon. Travel between branches and surrounding communities to meet with assigned clients, members, and credit union employees is standard. This is subject to change based on business needs.

Compensation

Pay Grade:

12

FLSA Status:

Exempt

Pay Grade Range:

$60,000 - $200,000+

This is a sales commission-based position consisting of a tiered grid with a monthly draw that has levels of being forgivable and non-forgivable.

Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.

Total Rewards

• Comprehensive medical, dental and vision plans
• Basic life and AD&D insurance, short-term disability and long-term disability
• 401(k) that includes a Safe Harbor Match of up to 4%.
• Tuition Reimbursement Program
• Mental health resources including an Employee Assistance Program (EAP)
• Individualized learning and development programs

LPL Disclosure

Not Insured By NCUA Or Any Other Government Agency

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (Member

FINRA

/

SIPC

).

Insurance products are offered through LPL or its licensed affiliates. Workers Credit Union and Workers Investments & Planning Solutions

are not

registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Workers Investments & Planning Solutions are employees of LPL. The services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Workers Federal Credit Union or Workers Investments & Planning Solutions. Securities and insurance offered through LPL or its affiliates are:

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

Our Commitment to Inclusion

Workers Credit Union is an equal opportunity employer committed to creating an inclusive environment where all individuals feel respected, valued, and supported. We believe that diverse perspectives strengthen our organization and enhance our ability to serve our members and communities.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other protected characteristic under applicable law.