Manager Insurance
Resume:
John G. Kaiser Jr., CFP®
Morris Plains, NJ 07950
Telephone: 862-***-**** email: ******@*****.***
EXPERIENCE
Odell & Critchley Certified Public Accountants, Madison, NJ 2010 -
Tax Preparer / Reviewer:
• Prepare and review Individual Federal and State Income Tax Returns. Compare results with
income tax projections to assure accuracy.
• Provide individuals and their families with income tax planning to reduce tax their liability.
• Mentor new hires.
Waddell & Reed, Morristown, NJ 2009 - 2010
Financial Advisor:
Worked with individuals and their families to make smart financial decisions and become their trusted
advisor.
• Identified and defined client’s goals and objectives.
• Determined appropriate strategies and solutions that will help clients achieve their goals and
dreams.
• Educated individuals and their families in all aspects of financial planning.
The Ayco Company, A Goldman Sachs Company, Parsippany, NJ 1999 - 2008
Vice President Financial Counseling: 2005- 2008
Served as an Advisor to high net worth clients in financial issues associated with employee benefits,
personal income taxes, investments, cash flow and budgeting, retirement, insurance (life and property &
casualty) and estate planning. Educated, advised and implemented strategies through one-on-one
counseling with individual clients. Monitored financial plans. Developed and managed financial
counseling relationships with approximately seventy clients assisting them with their financial decisions
through providing information, pros/cons and guidance.
• Advised individuals with net worth greater than $7 million dollars to remove proceeds of life
insurance policies through the use of Irrevocable Insurance Trusts to minimize payment of estate
taxes.
• Helped clients to assess their financial net worth and developed short and long term financial
plans for the attainment of their personal financial goals.
• Assisted clients with decisions regarding retirement funds such as taking lump sum distributions
from retirement plans, taking monthly payments, when to take social security, and disbursement
of 401(k) plans facilitating retirement choices that would allow individuals and families to live
the life styles of their choice.
• Dealt with Individual Income Tax Projections / Estimated Payments for high net worth
individuals to assist them with income tax planning and reduced tax liability.
• Reviewed Individual Federal and State Income Tax Returns for accuracy and legal compliance.
• Advised Individuals regarding state tax filing requirements.
• Educated clients on the concepts of Estate Planning providing valuable information to make
estate planning decisions.
• Gathered data such as Beneficiary and Executor information for the preparation of Wills / Trusts /
Powers of Attorney and Health Care Power documents stipulating the intentions of individual
clients.
• Reviewed estate planning documents to assure that they conformed to clients’ intentions.
John G. Kaiser Jr., CFP®
Telephone: 973-***-**** email: ******@*****.***
• Implemented gifting strategies and sophisticated estate planning techniques such as Grantor
Retained Annuity Trusts and Qualified Personal Residence Trusts to pass assets to beneficiaries to
reduce future estate tax liability.
• Reviewed Life, Property and Casualty, Long Term Care and Disability Insurance coverages to
make sure that insurance help covered liabilities. Made recommendations to purchase insurance
products to provide adequate coverage and minimize risk.
• Advised company employees of the advantages of fringe benefits such as 401 (k) plans, Umbrella
Insurance Policies, Deferred Compensation Plans and Flexible Spending Accounts which could
help employees save money / tax dollars and meet their financial goals. This resulted in the
maximization of employee benefit plans.
• Reviewed asset allocations and individual’s risk tolerance. Recommended a diversified portfolio
to optimize returns while reducing risk. Evaluated alternative investments such as REITs and
Hedge Funds to reduce portfolio’s volatility.
• Implemented investment strategies to increase tax efficiency, minimizing income taxes and taking
advantage of tax deferred investments.
Assistant Regional Training Coordinator: 2004
• Trained new hires. Made presentations (asset allocation, retirement planning, income taxes,
estate planning, life insurance and company fringe benefits) to new hires familiarizing them with
the resources available to perform their daily job functions.
• Conducted monthly training sessions for 30 Financial Advisors on all aspects of financial
planning to keep everyone informed.
• Reviewed Financial Planners’ and Analysts’ files for Quality Control.
Senior Financial Planner: 2003 - 2005
• Prepared Excel spreadsheets for Vice President analyzing investments, income taxes, cash flow,
insurance needs and estate plans.
• Assisted Vice President with development of financial plans and implementation strategies.
• Made presentations to clients to assist them with asset allocation, retirement planning and tax
savings solutions, analyzing information presented and recommending customized solutions to
meet client needs.
• Served as an Advisor to 10 clients.
• Conducted seminars for 25 – 30 employees of corporate clients, presenting changes to their
benefit plans and helping the employees to understand the financial implications.
• Reviewed Individual Federal and State Income Tax Returns for accuracy and legal compliance.
Financial Planner: 1999- 2002
• Prepared financial exhibits for estate planning analysis, income tax projections, asset allocation
models, total return calculations, insurance analysis and long term cash flow projections.
• Prepared Individual Federal and State Income Tax Returns. Compared results with income tax
projections to assure everything included on returns.
Carpenters’ Pension Fund, Philadelphia, PA 1991 - 1999
John G. Kaiser Jr., CFP®
Telephone: 973-***-**** email: ******@*****.***
Fringe Benefits Collection Manager: 1996 - 1999
• Oversaw daily operations.
• Headed a department of 10 employees, delegating tasks and assignments and reviewing and
evaluating personnel.
• Reported directly to Coordinator and Union President.
• Identified problems and generated solutions.
• Interfaced with Attorneys and Employers to expedite collection efforts or turn over records for
Bankruptcy proceedings.
• Arranged meetings with delinquent contractors to resolve collection issues and generate revenues.
Assistant Fringe Benefits Collection Manager: 1995 - 1996
• Supervised 7 employees.
• Monitored companies’ fringe benefit contributions.
• Advised Union officials of all delinquencies.
• Recommended payment plans for delinquent contractors and tracked payments.
• Collected outstanding fringe benefits.
• Directed monthly Agent’s meeting with 20 participants.
• Prepared monthly reports for Board of Trustees.
Fund Auditor: 1991 - 1995
• Audited and verified the accuracy of employer contributions.
• Reviewed audit findings with company personnel and the Collections Manager.
• Prepared audit billings and monthly audit reports.
• Answered employers’ questions regarding fringe benefit contributions and recommended
solutions to their problems.
• Trained new auditors.
EDUCATION
Philadelphia College of Textiles & Science, Philadelphia, PA
Master of Business Administration
GPA: 3.79 Honors: Delta Mu Delta, Business Honor Society
Drexel University, Philadelphia, PA
Bachelor of Science in Accounting
Fairleigh Dickinson University, Florham Park, NJ
Financial Planning Certificate Program
CERTIFIED FINANCIAL PLANNERTM
Certified Employee Benefit Specialist
Successfully completed:
Course I Employee Benefits: Concepts and Health Care Benefits,
Course II Employee Benefits: Design, Administration and Other Welfare Benefits
Course VI Accounting & Finance and Course VII Asset Management
PROFESSIONAL LICENSES
General Securities Representative – NASD Series 7 & 63
John G. Kaiser Jr., CFP®
Telephone: 973-***-**** email: ******@*****.***
New Jersey Life and Health Insurance
COMPUTER EXPERIENCE
Microsoft Office, Excel, Word, BNA (Income Tax Projections), Fasttax and Lacerte (Income Tax
Preparation)
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