Sales Representative Life Insurance
Resume:
Ann M. Crehan, MBA, CFM, CSNA, CRPC
Certified Financial Planner (CFP )
Baltimore, Maryland 21224
***.*.******@*****.***
Professional Certified Financial Planner with over 10 years of
demonstrated growth and success within. Consistently
Summary recognized for outstanding achievements while contributing to a
team managing approximately 4 billion dollars in assets across
600 households. Integral in financial planning for the team's
high net worth clients. Considered by many to be the "go to
guy" for understanding and leveraging Merrill Lynch's Wealth
Outlook tools (financial planning tools), based on personal
mastery of the product.
Professional 1999-2009 Merrill Lynch
Experience Financial Advisor Washington, DC 2007-
2009
. Graduated early from the Paths of Achievement Program
(training program for Merrill Lynch Financial Advisors)
during one of the worst recessions in US history
. Manage book of clients:
. Through extensive experience with Merrill Lynch's Wealth
Outlook Tools, create financial plans, investment proposals
and regular performance reviews
. Prospect and obtain new clients through referrals, social
networking and team's stock option plans
. Provide guidance to other Financial Advisors in the region
with The Wealth Outlook Tools
. Created "Sample" Plan for Regional Life Insurance Specialist
to use in presentation to Financial Advisors to show how they
can use The Wealth Outlook Tools for estate planning for High
Net Worth clients.
. Responsible for all aspects of financial planning for the
team's clients and prospects:
. Evaluate and analyze the client's information in the main
areas of financial planning, including retirement,
taxation, investments, insurance, estate planning and
education
. Establish client - planner relationship with existing and
prospective clients
. Gather client information through interviews
. Assist clients in defining their financial goals and
priorities
. Assess client's values and expectations, as well as their
time horizon and risk tolerance
. Evaluate client's asset allocation options in order to meet
goals while maintaining their risk tolerance
. Create and present a full financial plan including The
Wealth Outlook Plan, an outline of assumptions used and a
summary page (when needed)
. Make recommendations for implementation of the plan using
the Merrill Lynch Client Review Center and Investment
Proposal
. Update and review the plan on a routine basis (may vary
based on client's asset level and needs)
Planning Associate Washington, DC 2004-
2007
. Responsible for all aspects of financial planning for the
team's clients and prospects
. Duties also included:
. Responsible for life insurance business on the team
. Uncovered life insurance opportunities within our
book of business
. Worked closely with the Financial Advisors to hold
them accountable for asking clients about their
current life insurance when having a routine annual
meeting
o Used this information to do Life Insurance
Policy Reviews
. Worked closely with the Financial Advisors to uncover
clients with a Net Worth of $5 million or greater.
o Once clients were uncovered, met with clients
to put together a full financial plan
o Using the Wealth Outlook Tools show the clients
that once their own goals and dreams could be
achieved, they still may maintain a growing
estate. Working closely with our Regional Life
Insurance Specialist, discussed lifetime gifts
to an Irrevocable Life Insurance Trust in order
to help offset the growing estate tax problems
that the client may be facing
. Closed several life insurance tickets, including a
few tickets for over 50,000 PCs
. Responsible for annuity business on the team.
. Leveraged the expertise of the district product
specialists and wholesalers
. Learned the various products and how to implement
them into the overall financial picture for our
clients.
. Annuity business for 2006: 16 contracts for $2.8
million
. Recognized as "Achieves with Distinction" 2005 (Not reviewed
for 2006, 2007, 2008 or 2009)
. Achieved Recognition Club in 2005 (the first year that it was
offered in WK)
Registered Client Associate Washington, DC 2002-
2004
. Work in a team environment designed to cover all financial
aspects of a client's situation
. Responsible for all aspects of financial planning for the
team's clients and prospects
. Worked with team to help outline roles and responsibilities
for the four Client Associates
. Started regular team meetings, created agendas and ran
meetings
. Worked with stock options plans to get them up and running
with Merrill Lynch
. Recognized as "Achieves with Distinction" 2002, 2004
Registered Client Associate Rockville, MD 1999-
2002
. Work on a team environment managing over 950 households with
over $340 million in assets.
. Responsible for financial planning relationship with clients
for team.
. Proactively train new hires in the complex.
. On the Client Associate Board for the Director. Assist
management with ways of motivating and rewarding others for
their good work.
. Awards received include Client Associate Recognition Award
2001, Award for Outstanding Teamwork 2001, Top in complex for
Merrill Lynch OnLine Competition 2000, Outstanding Award of
Achievement 1999.
. Recognized as "Achieves with Distinction" 1999, 2000, 2001.
1999. First National Bank of Maryland
Branch Sales Manager Damascus, MD 1998-
1999
. Responsible for maximizing the overall performance of the
branch.
. As sales coach, apply sales management practices and
routines to ensure employee effectiveness.
. Lead, coach, evaluate, recognize and develop staff to
maximize individual performance and career potential.
Motivate with incentives and celebrate success.
. Drive and participate on proactive sales activities to
better manage and expand customer base.
. Responsible for branch sales goals. In 1998, achieved over
100% of goals in 5 out of 6 categories.
. Manage and promote the sale of alternative investment
products to meet customer needs.
. Handle disciplinary action.
. Recruit and interview new hires.
. Promote customer satisfaction through effective management
and proactive customer service.
. Responsible for the retention of branch customer base
through a company merger.
. Maintain appropriate emphasis on sales, service and risk
management to achieve and sustain performance objectives.
. Promoted from Assistant Branch Manager in 1998 and from
Branch Sales Representative in 1997.
. "Pacesetter" (Top Sales Representative in region)
. Number of accounts sold: Quarter 1, 1998
. Number of investments sold: Quarter 2, 1998
. Highest dollar in investments sold: Quarter 2, 1998
. Branch highest percentage over goal: Quarter 2, 1998
. Top Branch Sales Representative 1997
Assistant Branch Manager Laurel, MD 1997-1998
Branch Sales Representative Germantown, MD 1996-1997
Licenses Series 7 Series 63 Series 65 Life
Insurance
Designations CFP - Certified Financial Planner
2002
CFM - Certified Financial Manager 2002
CSNA - Certified Special Needs Advisor 2006
CRPC - Chartered Retirement Planning Counselor 2007
Education 2007 College for Financial Planning Online
Chartered Retirement Planning Counselor
2001 American College Bryn Mawr, PA
Certified Financial Planner Courses
1997-2000 Loyola College Baltimore, MD
MBA (Concentration: Finance)
1992-1996 Mount Saint Mary's College Emmitsburg,
MD
BS: Business (Concentration: Finance)
References Available upon request
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