Real Estate Sales

HEATHER vARNER

**** ****** ****** **** . ******, Georgia . 30621

Home: 706-***-****, Cell: 706-***-****. *******.******@***.***

Highly motivated, results-driven business professional with 15+ years of

sales, client service and business development experience. Energetic, goal-

oriented & a go-getter attitude with an innate ability to easily comprehend

new ideas, concepts, methods & investment techniques. Achieved great

successes in the development of sound investment, insurance & property

solutions for clients by utilizing knowledge of tax and investment

strategies, securities, insurance, pension/retirement plans, real estate,

clients' financial objectives and risk adversity.

Areas of Expertise

Real Estate Sales & Marketing

Investment Environment & Strategies

Insurance Solutions/Planning

Market Trending & Analysis

Retirement Plans/Strategies

Portfolio/Account Management & Growth

Risk Assessment

New Business Development/Relationship Building

Client/Investor Relations

Solid Communication, Interpersonal, Time Management, Organizational,

Analytical & Leadership Skills

Strategic Market Positioning

Professional Experience

Principal Agent

Nationwide Insurance - Duluth, GA (2009-2010)

Responsible for building and growing a profitable and compliant book of

business consisting of property, casualty, commercial and financial

products. Created and maintained an on-going long term business plan that

included an operational model and success measures necessary to build and

grow a profitable Nationwide agency. Implemented effective prospecting,

referral processes and marketing programs including community involvement

and centers of influence activities. Installed and maintained on-going

customer retention programs. Managed the Loss Ratio of the book of business

in accordance with Nationwide standards. Managed the agency developmental

budget to ensure that acquisition costs aligned with the business plan.

Professional Experience cont.

Financial Advisor/Registered Representative

Mid-Atlantic Securities Inc. - Gloucester, VA (2007-2009)

Full Service Brokerage & Investment Advisory Firm

Conducted in-depth client interviews to determine their current income,

expenses, insurance coverage/provisions, tax status, financial objectives,

risk tolerance, future aims and other information needed to develop a sound

financial plan. Provide clients with information on new and existing

products and services. Educate and sell clients products to include mutual

funds, annuities, life insurance, 529 plans and various other financial and

insurance products. Liaise with corporate office and financial service

providers/correspondents. Maintain detailed records to comply with the

regulations of FINRA. Build and maintain client bases, and development of

new business. Contact clients regularly to determine if there have been

changes in their financial status. Explain and document for clients the

types of services that are to be provided, and the responsibilities to be

taken by the financial advisor. Guide clients in the gathering of

information such as bank account records, income tax returns, life and

disability insurance records, pension plan information, and wills.

Recommend strategies clients can use to achieve their financial goals and

objectives, including specific recommendations in such areas as cash

management, insurance coverage, and investment planning & retirement

planning. Review clients' accounts and plans regularly to determine

whether life changes, economic changes, or financial performance indicate a

need for plan reassessment.

Realtor

Abbitt Realty Company LLC - Newport News, VA (2007-2009)

Versatile, results-oriented real estate sales professional with extensive

experience in residential and new construction real estate. Demonstrated

outstanding customer service, business acumen and strategic planning

ability. Utilized diverse property sales tactics, including qualification,

strategy, proposal, and closing skills. Solid communication and

interpersonal abilities to establish and maintain rapport with clients and

staff. Established strong business development relationships with mortgage

loan officers, attorneys, & other industry peers. Designed & updated

marketing/advertising materials. Skilled in concise contract construction,

negotiation & mediation.

Realtor

Liz Moore & Associates - Newport News, VA (2003-2007)

Realtor

William E Wood & Associates - Newport News, VA (2002-2003)

Realtor

GSH Real Estate - Newport News, VA (2001-2002)

Selected Accomplishments

Sold over 5+ million in sales volume yearly

Achieved Gold & Silver awards status consistently

Placing top 10% companywide

President's Club

Company trips/incentives yearly

Licensures

Series 6 - Investment Company Products/Variable Contracts Rep

Series 63 - Uniform Securities Agent State Law Exam

Series 65 - Uniform Investment Advisor Law Exam

Licensed Insurance Agent- Property, Casualty, Life, Accident & Sickness,

Variable Products (GA & VA)

Education

Business/Finance Coursework

Christopher Newport University (1991-1993); part time-(1996-1997)

Organizations

Oconee Chamber of Commerce, Member

National Association of Insurance and Financial Advisors, Member

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