Customer Service Management

RICHARD LUTHMAN

CFP, CPA, Ser. * & **, CA Insurance License 0H64420

**** ******* ****, *** *******, CA 91201

**************@*****.***

INVESTMENT RESEARCH/PORTFOLIO MANAGEMENT

CUSTOMER SERVICE/COMPLIANCE/FUND ACCOUNTING

Executive SUMMARY

20+ years experience as Market Technical Research Analyst

Strong analytical skills -- investment management, financial planning, and accounting

Exceptional written, inter-personal, and presentation skills. For example, able to effectively

explain complex investment concepts to a non-investment oriented individual or audience.

Valued-added and investment results-oriented customer service

Proprietary market-timing (5 years ending 12/31/2012 in top percentiles)

Effective 401(k) education program leader that supports plan sponsors with 404(c)

AREAS OF EXPERTISE

Investment Research

Performance Analysis

Defined Contribution retirement plans 401(k) education custom programs

Customer service that is results focused Financial Planning

Advanced fund accounting/MS Excel Portfolio Accounting

Investment Portfolio Management Operational Analysis

PROFESSIONAL EXPERIENCE

Merrill Lynch / Bank of America (Present Employer DO NOT CONTACT!)

Investment Portfolio Manager

Market Technical Research Analyst

Pooled Defined Contribution plans

IRAs and annuities

401(k) investment platforms

Designing and presenting employee credentialed-education programs

Unique long-term care option investment plans

Luthman Financial Management & Investment Co LLC

Managed the development and execution of investment account reconciliations.

Communicated effectively and regularly face-to-face with current and prospective clients.

Managed 60 accounts with total approximately 100 active investments and 50

investments in-waiting while communicating with clients frequently. Effectively used

Time Management skills (Prioritization and Time Blocking).

Established and adjusted asset allocations for conservative to aggressive clients. Selected

equity and fixed income investments for discretionary client accounts. In 2008 clients scored in

the top 1% of the Morningstar Universe, Chicago, Illinois. Then In 2011 did 21.3% with

approximately the stock market risk while most investment managers lost money!

Chief Investment Officer (CIO) responsible for validating current and evaluating prospective

investment alternative methodologies. Chief Compliance Officer (CCO)

Performed all investment research on equities, fixed income, gold, interest rates & other

commodities

Major Research highlights: Correctly indentified…1.) stock market top in early

October 2007, 2.) bottom in March 2009, 3.) top in late April 2010 before the “flash

crash” in May, 4.) bottom in July 2010, 5.) top in the Spring of 2011, and 6.) the

bottom in August/September 2011.

C.H. Dean & Associates, Inc. (a business services firm)

Director of Accounting and Operational Controller of Third Party Administration (TPA) business

initiative with staff of 8 Qualified Pension Administrators (QPA) and Certified Pension

Consultants (CPC).

Established and executed the first comprehensive audit program at Dean to ensure quality

control of the TPA products for clients

In-charge of client retention initiative for the Northeastern U.S. region. Had the highest client

retention rate in the company

Chief Compliance Officer (CCO) for C.H. Dean & Associates, Inc. and the firm’s family

of mutual funds (balanced, mid-cap, and small-cap).

Conceptualized and authored a special research study regarding forecasting sector market

timing of Value vs. Growth stocks, and presented it at the annual company planning retreat at

The Greenbrier, White Sulphur Springs, West Virginia. Dean’s Director of Research commended

me on the comprehensiveness of the project.

Originator and Director of Marketing and Sales division at C. H. Dean & Associates, Inc.

Managed national sales staff of 15 (presenters and administrative personnel). Planned and

coordinated the sales management initiative that drove Dean’s assets under management

from $159million to $5 billion in approximately 7400 client accounts. Was responsible for

initially positioning Dean with Merrill Lynch’s Consults investment management “wrap”

program, facilitating the on-going due diligence process, and positioning Dean with

nationwide investment management “wrap” programs.

PREVIOUS PROFESSIONAL EXPERIENCE

Audit/Tax Accountant, William Schoenfeld & Co. CPAs, Dayton, Ohio

Audit staff, Alexander, Grant & Co., CPAs, Dayton, Ohio

Accounting Instructor, University of Dayton, Dayton, Ohio

Assistant Treasurer/Controller, Winters National Corporation, Dayton, Ohio

Accounting Instructor, Sinclair Community College, Dayton, Ohio

EDUCATION AND CERTIFICATIONS

Certified Financial Planner (CFP) CFP Board ID# 77433

Certified Public Accountant (CPA) ID # 10373

California Life, Accident & Health, Variable, Long Term Care License #0H64420

Ohio Life, Accident & Health, Variable, Long Term Care license #984967

Securities Licenses 7, 66

NMLS (Nationwide Mortgage Licensing System) License #1019260

Wright State University, B.S. Accountancy

Veteran United States Naval Reserve, Honorably Discharged

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