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Annuity Life Living Benefits

San Diego, CA
October 11, 2018

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San Diego, CA

Cell: 760-***-****


Seeking to Transfer Broad-Based Skill Set, 8 + Years of Experience in Insurance, Financial Markets, and Business Development Success into a local/regional/national sales position.

Results-focused, quality-driven professional with extensive experience in business development positions, demonstrating consistent achievement of objectives, strong sales and service skills, and dedication to organizational goals. Advanced presentation and relationship development abilities, with track record of generating business-to-business growth.

Core Knowledge & Skill Areas:

Sales Training, Product training, Recruiting, Customer Relationships Service Strategies/Solutions Executive Networking Contract Negotiations Domestic Sales Growth Trade Shows Consultative Sale HR Niche Market Development Marketing & Promotions Sales Pipeline Expansion Training & Mentoring Presentations & Public Speaking

Current HR Management at UCSD HR Management Resources Certification Plan Benefits


7/1993- 10/2012 Progressive Planners San Diego, CA

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

Full Service Financial Planning;

Pensions, Annuities, Stocks, Mutual Funds, Laddered Bonds: tax-free and Corporate, Wrap Accounts, Annuities: fixed and variable, Life Insurance: Term, and UL.

Grew a full service practice with 10M annuity premiums, 3M in managed accounts,

1 1/2M in individual brokerage accounts, 2M in laddered bond portfolios.

Installed Trusts: NIMCRUTs, and Charitable Lead Trusts.

Developed and managed personnel training in qualified distribution, nonqualified distributions, RMD, 72T distributions, reregistering trust assets, and recreating transaction and pricing history to determine cost/tax basis.

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

Progressive Planners; Present Seminars on Retirement

401Ks-How to get your Money Out (72T and NUA strategies) 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 investors styles and risk tolerance.

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

Online portal for Executive carve outs retirement investments and tax deferred Annuities.

Placed 5M 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 - 7/1993 Cigna Financial La Jolla, CA

Consulted, Designed and Executed Estate Plans for Family Owned businesses, Sole Proprietors, S Corporations, and LLC’s.

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

1. Understand business owner and her/his family envision for their personal future and business future.

2. Determine what advisors were in place for tax, and legal guidance.

3. Meet with existing advisors and/or refer.

4. Deliver a first proposed trust plan.

5. install proposed Plan with Trusts, and trust funding

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

Mentored by Ralph Gano Miller, JD, & CPA,

Regional Sales Manager/Estate Planning Analyst

Increased territory sales 100%

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 - 6/1990 Morgan Stanley Carlsbad, CA

Financial Executive

Registered Representative and Inside Rep 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 prospects on the tax differences and flexibility between Qualified SEP IRA, (Roth and Traditional) 401(k), 403 (b) and Non Qualified Plans/deferred comp/exec benefits carve-outs.


Current: UCSD: Human Resource Management, Benefits and Compensation/training and Development

Fall09 in process

Mira Costa College, medical science, RN

Cal State San Marcos, Communication

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

Coach and Lead in personal and organizational development. Landmark methodology teaches leadership and communication skills. UCSD Adult Training and Development Certified.

3/1999-2004 American College of Financial Plans US-PA-



7/2002 – 2009 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

Speaking Engagements

Cuddlers Program Participant Fund Raiser

3/1998 - Present Society of Financial Professionals Member

Speaking Engagements

Senior Seminars, 401k's: how to take your money out,

3/07-current ASTD, San Diego Chapter

4/07-current ODNet, San Diego Chapter

Custom Training:

Defined Contribution Plans

How to get your Money Out

Early Retirement and Qualified Plans, 72T and NUA

Spirit of Money

What emotions drive your investing choices?

Are your money choices aligned with your values?

What is money accomplishing for you and your family?

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 in the Oceanside school

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