Valentine M. Holmes

*** ********* ****, *** ***

Spartanburg, SC 29306

864-***-**** or advvzx@r.postjobfree.com

SUMMARY:

Valentine Holmes is a health and financial professional with Carolina Life & Health, domiciled in Spartanburg, South Carolina. Since entering the health and financial services area in 1999, Val has devoted his life to serving the under 65, semi-retired and retired communities.

Valentine Holmes is a performance and results oriented person that is skilled at balancing performance and client satisfaction. He also possesses the ability to LISTEN, as well as the ability to adapt, be creative and resolute when faced with Health and Retirement Planning challenges. He has the ability to work with different pre- retired, retired personnel to deliver desired outcomes and solutions for the rest of their lives. He is also able to work independently and/ or with fellow advisors to build a present and future health and financial plans for anyone. EXPERIENCE:

Carolina Life & Health Spartanburg, South Carolina Senior Coverage: October 2009 to Present

Provide a complete Technology Platform that provides complete transparency and accountability throughout your entire process. This includes full disclosure to monthly reporting and compliance with CMS.

Implement the “To Drop or Not to Drop” management and forecasting process that ensures the total elimination of fraud waste and abuse with the senior market; which presently exist with a predictable and in compliant health plan.

Design and implement a Health Plan with Future forecasting for the client. This prepares for possible future health problems, rising co-pays cost sharing and deductibles. With retention in mind. It helps maintain talent such as Key persons and rainmakers.

Help define Group Health Plan, cost implications for employer and employees alike.

Unbiased assessments of whether to stay, switch, leave your present plan. Group Coverage:

Define and implement a Health Plan with the use of our Decision Support Tools. Reduce and/ or eliminate compliance concerns, by evaluating an employer's compliance with 27 various IRS, DOL, ERISA and ACA rules and regulation gaps and complexities.

Provide a complete Technology Platform that provides complete transparency and accountability throughout your entire process. This includes full disclosure to monthly reporting.

Implement the “To Drop or Not to Drop” management and forecasting process that ensures the total elimination of penalties that presently exist with a predictable and in compliant health plan.

Design and implement a Health Plan with Future forecasting for the assistance on helping recruit and/ or maintain talent such as Key persons and rainmakers.

Help define Tax implications for employer and employees alike.

Identify the available Advanced Premium Tax Credit (APTC)/subsidies and cost sharing reductions for each employee.

Unbiased assessments of whether to stay, switch, leave your present plan.

Help the employer to assess whether he or she is in the way of a better plan for their employees, cost sharing benefits and subsidies or not.

Pinpoint penalties and compliance infractions both present and future. Additional Services:

Disability Insurance (Income Protection)

Business Interruption Protection (Business Protection)

Home Healthcare Insurance

Flagship Mortgage Greenville, South Carolina

Commercial & Residential Senior Loan Officer October 1999 to February 2009

Operated as a full service manager, presently managing a staff of six with planning and organizing the operations of a virtual office both from home and offsite locations.

Systematically we continue working with Builders and Realtors continuing to introduce products that result in the increase to their profit margin.

Created teams with direct marketing sales and lead marketing sales companies, in order to make my office and the industry overall more visible.

Continued to be very instrumental in loan close scheduling, working with in-house and third party processors to enforce the accuracy with regard to compliance.

Systematically I continue to work with bankruptcy attorneys, financial advisors and local businesses with an emphasis on first time home buyers and lower income communities (FHA). EDUCATION: Shorter College Stone Mountain, Georgia Elective Business Courses 1993

Westchester Business Institute White Plains, New York Associates Degree in Business 1987

IT Skills:

CRM Systems, Word, Access, Excel, Power Point, Publisher, Outlook, ACT, SEO and HTML. CONTINUING ED:

MEDICARE 101

MEDICARE SUPPLEMENTS

CMS COMPLIANCE AND CODE OF ETHICS

MEDICARE PLANS COMPLIANCE AND CODE OF ETHICS

LONG TERM CARE PLANNING

MEDICARE PRESCRIPTION DRUG PLANNING

GROUP HEALTH, LIFE AND SUPPLEMENTAL PLANS

INDIVIDUAL HEALTH AND LIFE COMPLIANCE

LICENSE(S)

SOUTH CAROLINA

NORTH CAROLINA

GEORGIA

VIRGINIA

FLORIDA

AWARDS: SALES SUPPORT AWARDS 1988,1989,1990,1991 & 1992 NEW YORK NEW ENGLAND TELEPHONE (NYNEX)

SALESMAN OF THE YEAR 1998 -CARL GREGORY CHRYSLER PLYMOUTH & JEEP

WEBSITE(S): www.carolinalifehealth.com

www.linkedin.com/in/valentineholmes

REFERENCES: Available upon request

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