Customer Service Sales

Joanie Lockwood

PO box ******

San Diego, California 92192

acp9e0@r.postjobfree.com

JOAN LOCKWOOD

Cell: 858-***-****

CAREER PROFILE:

Financial Counseling and Management skills with, 13+ Years of Experience in Retirement, Tax and Financial Markets, with emphasis networking and cross selling.

Core Skills and Knowledge:

World Class Customer Service and Retention, Consultative Sale, Create Customer Loyalty, Cross Market Strategies, Vendor Contract Negotiations, Trade Show Marketing, Event Planning & Promotions, Presentations & Public Speaking.

Current: UCSD, Business Management HR Certification:

Adult Training and Development- complete

Pensions and Benefits specialist

Experience:

6/2009-current – Progressive Planners- my own insurance practice with emphasis on coordinating all sources of retirement planning and income to create a holistic picture for the client. Most clients are 401(k) defined contribution participants employees with local businesses.

4/2005-6/2009t- Benefit Insurance Services

Assistant District Manager of a group core and voluntary benefit program provider. Prospect, design and quote employee benefits with the additional option of a Human Resource PEO by CCH.

Salary deduction 125 plans benefit analyst, Benefit Enrollment meetings, pensions and retirement, voluntary benefits.

Health and welfare groups range in size from 15-250.

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CCH Human Resource software, Quotit, Excel.

7/1993- 4/2005 Progressive Planners San Diego, CA

7/1993 - 8/1999 Associated Securities Encinitas, CA

Full Service Financial Planning

Health, Welfare, Pensions, Individual and Group Annuities, Stocks, Mutual Funds, Laddered Bonds: tax-free and Corporate, Annuities: fixed and variable, Life Insurance: Term, and UL.

Grew a full service practice:

10M annuity premiums;

3M in managed accounts,

1 1/2M in individual brokerage accounts;

2M in laddered bond portfolios.

Charitable Lead Trusts, Charitable Unitrusts

Managed qualified distribution, nonqualified distributions, RMD, 72T distributions,

Customer Service: new account set up, reregistering trust accounts, recreating transaction and pricing history cost/tax basis, ACATS, reconciling accounts transactions.

Act, Access, Excel, PowerPoint, Vista, Progeny, Internet research skills

8/1999-12/2000 AnnuityZone -Del Mar, Ca

Online portal for retirement planning investments and tax free and tax deferred planning.

Placed 3M in Life and Annuity premium with Allmerica, Hartford, Aetna, and USG. All transactions were electronic, contracts by mail, and consultations over the phone/e-mail.

1/1993 - 7/1994 Cigna Financial La Jolla, CA

Estate Planning:

3M in split cases. ILITs, WRTs, FLPs, GSTs

1. Understand values and goals of the business owner’s vision for their future.

2. Determine tax and legal professionals in place.

3. Confer with Attorney on Trust Design

4. Deliver a first proposal to stakeholders, and adjust if necessary

5. Execute proposal with Trusts, and Trust Funding.

7/1991 - 6/1993 CCH/ViewPlan Software San Diego, CA

Mentored by Ralph Gano Miller, JD, & CPA,

Regional Manager/Estate Planning Analyst

Increased territory sales 150%

Received the Top Gun Recognition. Set One Day Sales Records, 20k & 24K respectively, at the Heckerling Conference.

Estate Planning Software Modules for Professional Advisors; Attorneys, Trust Departments, CPAs, and Financial Planners.

This POS electronic flowchart visually demonstrated the flow of assets and the tax savings/credits of the well-planned estate.

The modules address:

Revocable living trust; AB, QTIP, GST.

Irrevocable ILITS, WRT, Charitable; Lead, CRUTs, GRATS, GRITS.

Additional duties: After Sale customer start up and training on the modules

7/1986 - 6/1991 Morgan Stanley Carlsbad, CA

Financial Executive

Registered Representative and Inside Northbrook/Allstate Insurance Wholesaler

Marketing, Sales:

Northbrook Life/Allstate sales training, specialty the immediate, and deferred annuity case addressing immediate income with long term tax deferred double compound growth

Retirement Planning; Educating employees on the tax flexibilities between Qualified SEP IRA, (Roth and Traditional) 401(k), 403 (b) and Non Qualified Plans.

EDUCATION:

Current: UCSD: Business Administration

UCSD HR- current

Palomar College, Communications, PR

Vocational: 9/2004 Landmark Education US-CA-San Diego

3/1999-2007

American College of Financial Planning US-PA

AFFILIATIONS:

7/2002 -1/2008 Employer Support of the Guard

and Reserve Chair; Speakers Bureau Speaking Engagements

Camp Pendleton MOB Area 62 State Militia Seal

Base Coronado Publications, Articles, Awards & Honors, URLs

7/2001 - Present Red Cross Volunteer

Cuddlers Program, Balboa Hospital Pediatrics Neonatal Unit

9/1999-UnitedWay-

Training for non-profit boards: stewardship and fiduciary management skills

3/07-current ASTD, San Diego Chapter

4/07-current ODNet, San Diego Chapter

12/07-current SHRM, San Diego chapter

12/07- current SDCE

8/07- United Veterans Council

6/2000-1/08 ESGR –Employer Support of the Guard and Reserve

Custom Seminars:

“401Ks-How to get your Money Out” (72T) comparing the flexibility and tax consequences of distribution methods.

“In God we Trust-The Spirit of Money” exploring the psychological issues of belief systems and their effect on investing psychology

“IRA’s FBO Generations to Come” Stretch IRA

“Self Direct your Tax Dollar": Reviews the choices and corresponding rewards of

Philanthropy

Charitable and Community Interests: Literacy and Reading Programs

Self Expression Leadership Project:

Solicited donations from Sol Price Charities, Audrey Geisel, and Starbucks Literacy Program jointly donated 5 figures to fund Clair Burgener's Academy Library.

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