Retirement consultant

The Retirement Consultant (RC) works as a member of a broader team with a collaborative culture responsible for over $4.5B in annual asset retention including IRA rollover flows through educating and helping 401(k) participants who are terminating or retiring make good decisions about what to do with their retirement assets. This involves educating, guiding and helping terminating and retiring participants understand the variety of options available to them so they can make informed decisions.

The RC works to understand the unique needs of our participants, educates them on the different options available to them and offers guidance as to all available options. The RC is well versed in John Hancock 401(k) products as well as John Hancock’s IRA product offerings, which include the JH Mutual Fund IRA, JH Managed IRA and JH Guaranteed Income for Life Variable Annuity IRA (GIFL). The RC also needs to display expertise in the various John Hancock investment options and the different education-based and advice-based methodologies that are essential to facilitating a rollover into a John Hancock IRA that best meets the participant’s unique needs. Using discretion and judgement, the RC will collaborate with other key roles within the Personal Financial Services team and strategically manage the volumes of inbound and outbound calls necessary to assist all participants with their retirement needs in a timely manner.

Individual Responsibilities

• Member of a unique award-winning phone-based team with U.S. Retirement focused on educating and helping 401(k) participants make good decisions about what to do with their retirement assets when leaving their employers
• Education involves discussing the differences, nuances and advantages of the variety of distribution options and available products to help participants make informed decisions on what might be the best fit for their unique needs.
• Present options and offer solutions that are aligned with what the participant is looking to do in order for them to make an informed decision.
• Ability to quickly analyze and assess the unique needs of participants, present options and take action accordingly to help participants with their retirement decisions
• Assist advisors from partner firms navigate through the distribution process; refer potential leads to plan advisors, as needed, per predetermined commitments to key business partners
• Become well versed in John Hancock’s 401(k) products as well as John Hancock’s IRA product offerings, which includes the JH Mutual Fund IRA, JH Managed IRA and JH GIFL IRA
• Become an expert on the various John Hancock investment options and different education-based and advice-based methodologies that are essential to facilitating a successful rollover into the IRA product that best meets the participant’s needs (See “Job Requirements” for required licensing to facilitate a rollover into the John Hancock Investments IRA and John Hancock Managed IRA)
• Assist 401k participants with opening or funding of a JH IRA account
• Work directly with financial intermediaries and ultimately channel assets into John Hancock
• Deliver a superior customer experience in a professional manner while assisting participants in their decision-making process
• Review the investment line-up of a participant’s current 401(k), and analyze and compare it to the various options within the JH IRA product offerings
• Leverage investment tools and methodologies such as John Hancock’s proprietary Fund Matching tool
• Expected to achieve monthly activity and productivity targets
• Adhere to the highest levels of integrity and professional conduct
• Participate in training and coaching development programs designed to enhance skills and provide opportunities for advancement within the RES role and other firm-wide sales-, marketing- and management-related functions
• Share successful education and process improvement ideas in a team environment
• Other duties as assigned
  
  

Shared Responsibilities

(N/A) This job description does not represent a comprehensive listing of job duties that are required of the employee performing this role. We reserve the right to change duties or assign additional duties at any time with or without notice.

Required Qualifications

• Bachelor’s degree preferred
• 1-3 years of Financial Services experience, preferably in phone and/or sales type roles.
• Securities industry Essentials (SIE) Exam, Series 6/7, 63 required to facilitate a rollover into the John Hancock Investments IRA
• In order to be considered for advancement opportunities within this role, the ability to facilitate rollovers into a John Hancock Managed IRA as well as consideration for a promotion to the Retirement Consultant II role, the Series 65/66 license will be required
• The company supports licensing to be able to perform in the role and funds the costs for licensing and renewals. In our supportive effort to help you obtain licenses to perform and be successful in the role, additional licensing may be required. Licensing requirements are subject to change to be able to support changes in our business and evolving markets. As business needs change and new products or services are introduced, additional industry licenses (i.e Series 65/66) may be required for the Retirement Consultant I role to provide the necessary support. If additional licenses are deemed to be a “requirement” for the role, a 6-month period will commence where one will be required to obtain these additional licenses (i.e Series 65/66).
• Passion for helping people on a one-on-one basis
• Spanish-speaking is a plus
• Strong listening and customer service skills
• Strong analytical and problem-solving skills
• Excellent communication, presentation and negotiation skills
• Strong understanding of policies and procedures
• Ability to work independently as well as in a team environment to meet stated goals and targets
  
  

Decision Authorities

• Strong knowledge and understanding of IRA’s, 401(k) plans and investments in general
• Thorough understanding of the John Hancock story, products, pricing, services and procedures
• Good working understanding of 401k & IRA rules and regulations
• Ability to anticipate, meet and/or exceed customer needs, wants and expectations
• Ability to effectively communicate, build rapport and relate well to all kinds of people
• Detail oriented with the ability to prioritize and manage time in a multiple task environment to achieve desired outcomes
• Ability to affect other’s actions, decisions, opinions or thinking
• Ability to hold oneself accountable for personal actions
• Exhibit high levels of integrity and professional conduct
  
  

When You Join Our Team

• We’ll empower you to learn and grow the career you want.
• We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words.
• As part of our global team, we’ll support you in shaping the future you want to see.
  
  

About Manulife And John Hancock

Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit

Manulife is an Equal Opportunity Employer

At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.

It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact [email protected].

Working Arrangement

Hybrid

Salary & Benefits

Salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. Please contact [email protected] for additional information.

Manulife/John Hancock offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in the U.S. includes up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time (or more where required by law) each year, and we offer the full range of statutory leaves of absence.

Know Your Rights I Family & Medical Leave I Employee Polygraph Protection I Right to Work I E-Verify I Pay Transparency

Company: John Hancock Life Insurance Company (U.S.A.)