Sales Life Insurance

ORLANDO FERNANDEZ - RESUME

**** ***** ****** ** ****** MI 49224 Cell 954-***-****, email: *******@*******.***

My objective is to be part of a great management team that is goal oriented and motivated, so we may assist each other in achieving our financial and corporate goals. I am interested in a challenging management position that will take advantage of my background to positively influence company gross revenue and share my experience in training and business development. My proven track record in auditing, banking services, management, operations and sales will prove to be a very valuable asset that will increase productivity, motivation and revenues for the firm.

STRENGTHS

MANAGEMENT STRONG SALES AND PRESENTATION SKILLS ACCOUNTING / AUDITING TOP PRODUCER

SALES TRAINING/SUPERVISION MERGERS & ACQUISITION SALES & USE TAX NEW BRANCH DEVELOPMENT

POSITIVE ATTITUDE FULLY BILINGUAL/ ENGLISH-SPANISH EXCELLENT REPORTING & ANALYTICAL SKLLS

PROFESSIONAL EXPERIENCE

Newbridge Financial Securities, Boca Raton Florida

Sr. Financial Analyst 10/2013 – October 2015 ( See Below)

CBG Financial Group (CBG Insurance Group, CBG Wealth Management) Boca Raton Florida

Director of Insurance, Medicare & Annuities 05/2010 – 10/2013

Firm’s main focus was soley S&P 500 equities. I was hired to expand operations, training and products in areas such as mutual funds, closed end funds, ETFs, UITs, Life Insurance, Medicare Advantage & Supplement Plans, Variable and Indexed Annuities, Long Term care and establish RIA CBG Wealth Management Group with Fidelity for separately managed accounts. Reviewed and approved all firm’s annuity and life insurance applications for accuracy and proper suitability requirements submitted by our agents. Provide case / client solutions and product comparisons for agents. Completed and coordinated all new product sales agreements (over 450) for CBG.Coordinated training for 47 existing licensed brokers in Boca, New York and Ft. Lauderdale offices. Implemented new product training / educational, sales strategies & marketing events with product wholesalers for staff such as meetings, webinars, conference calls, wholesaler presentations, sales & business development trainings on a weekly basis. Interview, train, evaluate new employees. Assisted in creating new website(s)s for firm(s). Created new life and annuity compliance procedures and suitability purchase forms. Reviewed firm’s annuity and life insurance applications for accuracy and proper suitability requirements. Create business development activities and seminars in the community to expand, market our services and increase sales at the firm. Network with healthcare organizations, assisted facilities, physicians, in order to provide Medicare Advantage / Supplemental insurance with Humana, Wellcare, AARP United Healthcare, Careplus and others. Assist families with transition to assisted, long term care facility concerns and income needs. Interview, hire and train new employees. ( Firm was then sold. )

Newbridge Financial Securities, Boca Raton Florida

Sr. Financial Analyst 02/2008 – 02/2010

Actively manage 23 million in assets Prepare and implement Financial Planning and investment strategies for clients. Identify client/family short and long term objectives. Review clients tax returns, assets, liabilities and insurance needs to assess risk. NRC Certified (Non Resident Clients) for offshore mutual funds and annuities. Coordinate and provide sales events, seminars, workshops and marketing activities to increase sales. Provide IRA, 401K, Life Insurance, Long Term Care analysys and comparisons for clients and business owners. Community involvement with local Chamber(s) of Commerce and local businesses to attract and increase sales. Conduct Quarterly Client Account Reviews. Interview and train new employees with all insurance related strategies and product updates. Evaluate progess and performance. Conduct detailed reviews of client tax returns, life insurance policies, 401k / IRA statements, financial statements as needed.

Citibank - Smith Barney, Boca Raton, Delray and Boynton Beach Branches, Florida

Sr .Banking Representative / Financial Advisor / Trainer 12/2002 - 12/2007

Provide banking, checking services to bank customers. Cross refer to lending units and creditcard member services. Increased assets managed from 28 million to 80 million with over 1100 households for 3 Branch Locations ( Boca Raton, Delray Beach and Boynton Beach ) without an assistant. Develop Financial Plans that include insurance and investment strategies for clients. Identify client/family short and long term objectives. Conduct bi-weekly staff training and sales meetings. Acted as Branch Manager for 10 months; supervised staff duties and weekly schedules for 12 employees. Assisted Operations Manager with meetings, staff supervision, training and new employee interviews. Reviewed monthly bank P & L reports with manager to identify business needs and goals. Managed and assisted Personal Bankers with cross selling to achieve their quarterly sales quotas and goals. NRC Certified (Non Resident Clients) for offshore mutual funds and annuities.. Community involvement with local Chamber(s) of Commerce and local businesses to attract and increase total branch sales. Trained and evaluated bank staff and new advisors. Gold Leaders Club - Averaged above 400,000 in annual gross commissions during my 5 year tenure.

Orlando Fernandez Resume - Page 2

Washington Mutual Bank, Lake Worth Florida

Senior Financial Advisor 08/2001 - 12/2002

Increased assets managed from 18 million to 47 million. Average annual gross revenues generated were aprox. $300,000 - $375,000 per year .

ADT Security Services Inc ./ TYCO International L, Boca Raton, Florida

TAX SUPERVISOR / MERGERS AND ACQUISITION 11/97 to 3/00

Review, approve and evaluate Sales and Use tax returns filed in 39 states . Responsible for remitting over 9 million in monthly taxes prepared

my my group of 5 tax accountants. Review sales/use tax collected and applicable sales tax rates for different states where business nexus

exists. Work closely with Mergers & Acquisitions department to verify sales, tax exposures and compliance. Identify and evaluate merger

prospects. Complete check requests and make related journal entries. Assist management with sales and use tax audits of our vendors and

Corporate Acquisitions. Research tax related issues and case law using RIA and CCH software. Meet with State Auditors weekly and dispute

auditor findings, procedures and assessments if necessary. Review and resolve tax liability notices. Complete Quarterly & Annual

Performance Appraisals for my group.

Florida Department of Revenue, Coral Springs, Florida

Sr. TAX AUDITOR /AUDIT SUPERVISOR / TRAINER 9/91 to 12/96

Supervise, evaluate, and train group of 5 auditors. Review and evaluate audits completed by field staff. Perform tax audits independently or as a team leader, of all pertinent books and records of large multi-state or multinational corporations. Coordinate the scope of the audit. Analyze and reconcile intercompany transactions, financial relationships and identify business nexus & tax liability exposures. Review federal and state tax returns, financial statements, general ledgers and related records to determine compliance with various tax statutes and regulations. Taxes audited include Sales and Use, Intangible and Corporate Intangible Tax. Research tax related issues and case law. Compute tax liability as it may apply to areas such as sales, purchases, job costs and leases. Prepare detailed reports and exhibits of audit procedures used and audit results. Manage and train new auditors . Make written performance evaluations of personnel.

EDUCATION

Bachelor of Science in Business Administration - Interamerican University of Puerto Rico (1990)

Bachelor of Science in Accounting - Interamerican University of Puerto Rico (1991)

Sales, Use, Int & Advanced Auditor Certification - Florida Department of Revenue, Tallahassee FL (1991)

Senior Tax Auditor Certification - Florida Department of Revenue, Tallahassee FL (1993)

NASD Series 7, 63 & 65 Licenses - Medicare Licensed with Humana, Wellcare, and Care Plus

Florida 215 -Life, Health and Variable Annuities

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