Dalton Nichols
Rock Hill,SC
Summary
Personable and dedicated with strong aptitude for financial planning and client relations. Well-versed in market trends and investment strategies, combined with proficiency in tax strategy and financial planning software. Committed to providing excellent service to clients and/or advisors.
Overview
2
2
years of professional experience
Work History
Financial Advisor
Equitable Advisors
10.2023 - Current
- Built strong relationships, converting strangers into clients and earning the trust to consult on their financial decision making.
- Financial analysis on clients' current situation and decisions in order to make suitable recommendations based on the relevant facts.
- Presenting new ideas to clients where there are gaps or inefficiencies in their plan, again, in relation to their individual goals.
- Holistic planning, utilizing advisory accounts, structured investment options and protective based assets. Emphasizing tax diversity, risk tolerance, time-horizon and, of course, retirement.
- Planned in all stages of life, from a client's son just out of college looking to hit the ground running, all the way to a post-retiree looking to minimize taxes as they transfer their wealth to the next generation.
- Serviced the group retirement plans of senior advisors, converting 401k/403b/457 clients into comprehensive planning clients.
- Investment concepts utilized: Advisory portfolios, brokerage accounts, tax-loss harvesting, modern-portfolio theory, the efficient frontier. Structured investment options to provide market downside protection or upside capitalization. Insurance utilization for a tax-free bucket.
- Most common insurance business: Long-term care planning, term insurance and Variable Universal Life.
Intern
New Perspectives
05.2023 - 08.2023
- Learned from the managing partner the foundations of fiduciary responsibility and financial planning.
- Mocked financial analysis of the real life clients in tandem with the advisor on site.
- Led my team of interns through very differing client profile's with exactly 0 years of experience in financial planning between the group, myself included.
- Found a passion for taking on the responsibility of helping people become better financial decision makers. (In what was initially an internship just to try out anything other than an accounting role)
- Through trial and error, improved my understanding of financial planning and client communication in a risk free environment.
- Main principles learned: Dollar-cost averaging, risk-weighted portfolio building, compounding interest/returns, legacy planning, tax efficiency and client engagement.
Education
Bachelor of Science - Business Administration, Concentration Accounting
Winthrop University
Rock Hill, SC04-2023
Skills
- FINRA licensed Series 66 & Series 7
- South Carolina Insurance License
- LPL Client-Works subscriber and user
- Relationship building and management
- Sales expertise
- Critical and analytical thinking
- Investment and retirement analysis
- Excel certified
Timeline
Financial Advisor
Equitable Advisors
10.2023 - Current
Intern
New Perspectives
05.2023 - 08.2023
Bachelor of Science - Business Administration, Concentration Accounting
Winthrop University
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