HBW Insurance & Financial Services
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HBW Insurance & Financial Services Employees
Aisle 9 Group May 2015 - Present
BYU-Idaho January 2014 - April 2014
BYU-Idaho January 2012 - July 2013
Accent Ink, INC. January 2006 - December 2012
Bank of America February 2009 - December 2010
HBW Insurance & Financial Services September 2008 - November 2008
BYU-Idaho May 2008 - July 2008
Skills
Public Speaking, Training, Microsoft Word, Microsoft Excel, Research, Teaching, Microsoft Office, Editing, Customer Service, Event Planning, Spreadsheets
Education
Brigham Young University - Idaho 2008 — 2014
Bachelor's Degree, English Language and Literature/Letters
Moorpark College 2005 — 2007
Associate of Arts (A.A.), General Studies
HBW Insurance & Financial Services June 2013 - Present
Avon Products Inc. April 2003 - Present
American Income Life April 2005 - May 2013
Shamin Hotels June 2003 - March 2005
Holiday Inn Crossroads 2002 - 2004
Skills
Leadership, Customer Service, Sales, Time Management, Insurance, Team Building, Training, Coaching, Marketing, Employee Benefits, Small Business, Management, Recruiting, Social Networking, Cold Calling, Strategic Planning, Sales Management, Direct Sales, Account Management, Public Speaking, Event Planning, Customer Satisfaction, Customer Retention, Teamwork, Leadership Development, Networking, Microsoft Office, Retail, Budgets, PowerPoint, New Business Development, Life Insurance, Outlook, Employee Training, Human Resources, Team Leadership, Microsoft Word, Negotiation, Entrepreneurship, Employee Relations, Event Management, Hiring, Sales Operations, Operations Management, Foreign Languages, Financial Analysis, Retirement Planning, Business Strategy, Building Relationships, Highly motivated...
Education
Universitatea „Babeș-Bolyai” din Cluj-Napoca 1996 — 1999
Associate's degree, Tourism
Colegiul National Unirea, Brasov 1992 — 1996
English
Team National July 2012 - Present
HBW Insurance & Financial Services June 2007 - Present
Grambling State University April 2001 - Present
Combined Insurance United States August 2002 - August 2003
Lincoln Parish School Board November 2001 - May 2002
Skills
Microsoft Office, Microsoft Excel, Teaching, Customer Service, PowerPoint, Microsoft Word, Higher Education
Education
Northwestern State University 2013 — 2017
Business Administration and Management, General
University of Phoenix 2006 — 2006
Accounting
Northeast Louisiana Technical College-Delta Ouachita Campus 1997 — 1998
Associate's Degree, Accounting
Louisiana Tech University 1990 — 1995
Computer Science and Business
Macy's November 2012 - Present
Sun Realty LLC 2012 - Present
HBW Insurance & Financial Services 2011 - Present
The Fresh Market August 2001 - April 2012
Skills
Store Management, Real Estate, Term Life Insurance, Life Insurance, Fixed Annuities, Customer Service, Rental Leasing
Education
DeVry University-Georgia 2003 — 2005
Associate's degree, Network System Administration
HBW Insurance & Financial Services 2011 - Present
Credit Solutions 2006 - 2009
Skills
Mortgage Lending, Sales Management, Insurance, Mortgage Banking, Investments, Strategic Financial..., Financial Analysis, Loan Origination, Refinance, FHA, Financial Services, Team Leadership, Call Center, Mutual Funds, Account Management, Banking, Call Centers, Cold Calling, Credit, Customer Service, Finance, Leadership, Loans, Management, Negotiation, New Business Development, Residential Mortgages, Retirement Planning, Sales, Strategic Planning, FHA financing, VA loans, Sales Process, Team Building, Life Insurance, Fixed Annuities
Education
The University of New Mexico 1999 — 2003
West Mesa Highschool
Life Matters Insurance and Financial Solutions August 2008 - Present
HBW Insurance & Financial Services March 2008 - May 2009
Countrywide April 2003 - April 2006
A Shot of Class 1995 - 1998
Skills
Life Insurance, Fixed Annuities, Insurance, Retirement, Term Life Insurance, Disability Insurance, Medicare Part D, Medicare Advantage, Mortgage Modification
Education
California State University-Sacramento 1985 — 1990
Bachelor of Arts (BA), Liberal Arts and Sciences/Liberal Studies-Communications emphasis
MassMutual Eastern Pennsylvania November 2014 - Present
JetPay June 2014 - Present
Legal Shield October 2013 - Present
Ambit Energy January 2012 - Present
HBW Insurance & Financial Services December 2012 - November 2014
ADP March 2011 - April 2014
PFS January 2001 - 2012
Lehigh County January 2004 - December 2011
DeSales University 2001 - 2007
U.S. Air Force Reserves April 1984 - July 2006
Skills
Public Speaking, Leadership Development, Team Building, Strategic Planning, Fundraising, Sales, Life Insurance, Financial Services, Payroll Services, Succession Planning, Risk Assessment, Accident Insurance, Voluntary Employee..., Pre-Paid Legal Services, Indexed Annuities, Leadership, Management, Public Policy, Entrepreneurship
Education
Eastern University 1993 — 1995
Bachelor, Organizational Management
Acosta Insurance October 2010 - Present
Miami Dade school Board August 1999 - June 2011
HBW Insurance & Financial Services May 2009 - January 2010
Skills
Social Entrepreneurship, Nonprofits, Program Management, Entrepreneurship, Management Consulting, Business Strategy, Business Planning, Training, Start-ups, Health Insurance, Commercial Insurance, Life Insurance, Homeowners, Employee Benefits, Customer Service, Insurance, Public Speaking, Term Life Insurance
Education
Inter-American University of Puerto Rico-Metropolitan Campus 1984 — 1994
BA in Arts, Elementary Education
HBW Insurance & Financial Services August 2010 - Present
Will Call Notary November 2007 - Present
SCMS~Disability June 2005 - Present
Healthnet February 2003 - June 2005
WellPoint March 2002 - October 2002
WellPoint August 1998 - March 2002
Skills
Insurance, Claims, Health, Employee Benefits, Disability Insurance, Long Term Care, Benefits, Benefits Administration, Customer Service, Customer Relations, Problem Solving, Microsoft Office, Excel, Word, Health Insurance, Healthcare, Claims Management, Brokers, Auditing, Claim, Long-term Care, Microsoft Excel, Microsoft Word, Performance Management, Health Savings Accounts, Coaching, Leadership, Risk Management, Claim Investigation, Strategic Planning, PeopleSoft, Outlook, Disabilities, Disability Management, Process Improvement, Training, Life Insurance, Group Insurance, Flexible Spending..., FMLA, Long Term Care Insurance, Voluntary Employee..., Claims Investigations, COBRA, Employee Relations, Medicare, Underwriting, Property & Casualty..., Commercial Insurance, Fixed Annuities
Education
Ameritech College 1998 — 1998
Medical claims/terminology
College of the Canyons 1995 — 1997
Medical
Morongo Casino Resort & Spa July 2006 - November 2008
HBW Insurance & Financial Services 2006 - 2008
Education
California State University-Dominguez Hills 2011 — 2012
MBA, Marketing
California State University-Dominguez Hills 2009 — 2010
BS with Honors, Business Admin - Entrepreneurship
HBW Insurance & Financial Services August 2009 - Present
Prepaid Legal Services Inc January 2001 - Present
National Agents Alliance Corporate March 1999 - Present
AmericaAppraise January 1996 - Present
Mega Investors January 1995 - Present
NASA SPACE STATION/SHUTTLE COMPUTER SYSTEMS January 1993 - Present
OnePercent ealty August 2007 - July 2011
PENNSYLVANIA LIFE INSURANCE COMPANY September 2003 - August 2009
United Texas Realty March 2007 - August 2007
Keller Williams Realty May 2006 - March 2007
Skills
Selling, Sales, Real Estate, Marketing, Management, Residential Homes, Customer Service, Investments, Real Estate Transactions, Insurance, Time Management, Commercial Real Estate
Education
Fairfield University 1962 — 1966
BSEE, electrical engineering
Bridgeport Engineering Institute
BSEE
State University of New York
MBA, equivalent
Cornerstone University, PGS June 2006 - Present
HBW Insurance & Financial Services November 2006 - November 2013
Pathway Financial Design 2006 - November 2013
Grandville Public Schools August 1972 - June 2008
126th US Army Band/Michigan National Guard June 1971 - June 1999
ABWE August 1997 - June 1998
ABWE August 1988 - June 1989
Skills
Coaching, Community Outreach, Customer Service, Finance, Financial Services, Insurance, Leadership Development, Non-profits, Public Speaking, Retirement, Strategic Planning, Teaching, Team Building, Higher Education, Leadership, Staff Development, Strategic Financial..., Training, Management, Instructional Design, Budgets, Fundraising
Education
Michigan State University 1974 — 1979
MA, Administration
Grand Valley State University 1968 — 1972
BS, Education
HBW Insurance & Financial Services September 2013 - Present
HBW Insurance & Financial Services, Inc. August 2003 - Present
HBW Insurance & Financial Services 2003 - 2012
Health Source December 1996 - August 2003
Skills
Long Term Care, Agent, Long-term Care, Retirement Planning, Fixed Annuities, Life Insurance, Term Life Insurance, IRAs, Insurance, Strategic Financial..., Wealth, Retirement, Disability Insurance, 401k, Long Term Care Insurance, Health Insurance, Retirement Savings, Estate Planning, Wealth Management, Universal Life, Employee Benefits, Mutual Funds, Financial Planners, Small Business, Indexed Annuities, Investments, Critical Illness, Whole Life, Financial Planning
Education
New Mexico State University
EmblemHealth October 2014 - Present
Combined Insurance May 2013 - October 2014
AWG Financial January 2010 - January 2013
HBW Insurance & Financial Services January 2010 - January 2012
HealthMarkets, a Goldman Sachs, Blackstone Co. March 2008 - January 2010
America Direct Mortgage, Inc. October 2007 - February 2008
ResMAE July 2007 - September 2007
ResMAE Mortgage May 2004 - September 2007
North American Mortgage September 2000 - February 2002
Long Beach Mortgage Co. 1996 - 2000
Skills
Insurance, Fixed Annuities, Disability Insurance, Life Insurance, Long-term Care, Real Estate, Sales Management, Underwriting, Mortgage Lending, Sales, Term Life Insurance, Risk Management, Budgets, Health Insurance, Banking, Marketing, Retirement Planning, Portfolio Management, Credit, Strategic Financial..., Loans, Mortgage Banking, Loan Origination, Selling, Universal Life, Finance, Whole Life, Long Term Care Insurance, Loan Servicing, IRAs, Critical Illness, Retirement, Investments, Residential Mortgages, Refinance, Mutual Funds, Small Business, Financial Services, VA loans, Personal Financial..., Brokers, Indexed Annuities, Inland Marine
Education
Phoenix College 1966 — 1968
AA, Liberal Arts
Eastern Arizona College 1964 — 1966
Associate's degree, Liberal Arts and Sciences, General Studies and Humanities
DeLong & Brower PC February 2014 - Present
Cetera Financial Specialists February 2014 - Present
EveningStar Capital October 2012 - December 2014
HBW Securities, LLC January 2013 - February 2014
HBW Insurance & Financial Services October 2010 - February 2014
HBW Advisory Services, LLC October 2010 - February 2014
Pathway Financial Design July 2010 - February 2014
Pro Players Services May 2013 - January 2014
Holland Global Trading July 2011 - September 2012
Edward Jones April 2010 - July 2011
Skills
Investments, Strategic Financial..., Wealth Management, Investment Advisory, Mutual Funds, Financial Analysis, Personal Financial..., Alternative Investments, Sales Management, Finance, Series 7, Estate Planning, Budgets, Wealth Accumulation..., Tactical Asset..., Series 6, Series 63, Retirement Planning, Wealth Preservation..., Sales Presentations, Salesforce.com, CRPC, Licensed Life & Health..., Debt Elimination, Fixed Annuities, Financial Planning, Budget
Education
Indiana Wesleyan University 1991 — 1996
BS, Business Administration
HBW Insurance & Financial Services 2009 - Present
mdcps 2008 - Present
Education
Nova Southeastern University 1995 — 1996
ELEMENTARY ED., EDUCATION
Florida International University 1987 — 1996
AAA Life Insurance Company July 2013 - Present
Notary Public May 2013 - Present
The Lending Company 2012 - Present
Legacy Full Circle Financial & Insurance Services January 2008 - June 2013
HBW Insurance & Financial Services October 2006 - December 2007
Bally Total Fitness January 1996 - July 2005
Skills
Life Insurance, Retirement Planning, IRAs, Rollovers, Annuity Sales, Notary Public, Fixed Annuities, Retirement, Mortgage Lending, Term Life Insurance, Financial Advisory, Insurance, Customer Service, Sales
Education
Pasadena City College 1994 — 1996
Eagle Rock High 1991 — 1994
Unlock Limits Coaching Group January 2012 - Present
John Maxwell Team 2012 - Present
Vitela Health January 2008 - December 2011
Sound Mortgage January 2008 - July 2009
HBW Insurance & Financial Services 2004 - 2009
Loan Source Funding January 2004 - January 2008
Skills
Public Speaking, Customer Service, Wellness, Marketing, Sales, Team Building, Coaching, Nutrition, New Business Development, Fitness, Lifestyle, Sales Management, Motivational Speaking, Life Coaching, Entrepreneurship, Leadership, Healthcare, Social Networking, Personal Development, Small Business, Leadership Development, Lifestyle Coaching, Staff Development, Wellness Coaching, Training, Executive Coaching, Business Coaching, Nutritional Counseling, Workshop Facilitation, Emotional Intelligence, Personal Training, Wellbeing, NLP, Weight Loss Coaching, Stress Management, Weight
Education
Montana State University-Bozeman
Business/Managerial Economics
Ford Motor Company August 2013 - Present
CDI Corporation assigned to Chrysler Group, LLC February 2013 - August 2013
Echo Global Logistics July 2012 - February 2013
HBW Insurance & Financial Services April 2011 - February 2012
Skills
Microsoft Office, Microsoft Excel, Microsoft Word, Team Building, Leadership, Time Management, Organization, Critical Thinking, Automotive, Stamping, Logistics Management, World Class..., Purchasing, Manufacturing, Kaizen
Education
Wayne State University
Master of Business Administration (MBA), Global Supply Chain Management/ International Business
Grand Valley State University 2008 — 2012
B.B.A, Business Administration/Finance
Brighton High School 2004 — 2008
3.5
FirstBest Systems, Inc. September 2011 - Present
Insurance Specialty Group LLC August 2008 - September 2011
HBW Insurance & Financial Services 2001 - 2008
ALEXANDER HOWDEN NORTH AMERICA February 1986 - June 1997
Skills
Insurance, Process Improvement, Business Analysis, Requirements Gathering, SDLC, Risk Management, Business Process, Requirements Analysis, Vendor Management, Business Process..., Visio, CRM, Program Management, Software Documentation, Analysis, Agile Methodologies, Underwriting, Casualty Insurance, Casualty Claims, Home Builders, Construction litigation, Property & Casualty...
Education
Kennesaw State University
Destiny One Group, LLC June 2008 - Present
HBW Insurance & Financial Services 2013 - Present
Education
Tulane University - A.B. Freeman School of Business
Southern University and Agricultural and Mechanical College at Baton Rouge
Penn Medicine (University of Pennsylvania Health System) December 2014 - Present
Pearl Financial Literacy 2011 - Present
Lincoln Educational Services September 2013 - November 2014
HBW Insurance & Financial Services 2010 - 2013
City of Richmond 2008 - 2010
Ameriprise Financial Services, Inc. 1999 - 2009
Skills
Financial Planning, Financial Education, Portfolio Optimization, Retirement Planning, Investment Advisory, Insurance, Investment Management, Estate Planning, Tax Reduction, Cash Flow, Long Term Care Insurance, Strategic Financial..., Management, Mutual Funds, Finance, Financial Analysis, Retirement, Risk Management, Small Business, Portfolio Management, Analysis, Financial Services, Program Management, Securities, Asset Management, Wealth Management, 401k, Asset Allocation, Series 63, Fixed Annuities, Financial Planners, Series 7, Series 6, Investments, Leadership Development, Public Speaking, Leadership, Strategic Planning
Education
University of Pennsylvania - The Wharton School
Bachelor of Business Administration, Management
Fisk University
Economics
Central High School
Diploma, Academic
HBW Insurance & Financial Services March 2012 - Present
Royal Caribbean International December 1986 - July 2008
Skills
Team Building, Financial Analysis, Strategic Financial..., Management, Business Analysis, Leadership, Insurance, Customer Service, Training, Investments, Marketing Strategy, Small Business, Entrepreneurship, Business Planning, Team Leadership, Employee Benefits, Sales Management, Negotiation, New Business Development, Sales, Forecasting, Real Estate, Marketing, Business Strategy, Account Management, Public Speaking, Portfolio Management, Asset Management, Fixed Annuities, Retirement, Mutual Funds, Retirement Planning, Securities, Life Insurance, Financial Planning
Education
Nova Southeastern University 2004 — 2006
Bachelor of Business Administration (B.B.A.), Business Administration and Management, General
Hialeah-Miami Lakes Senior High School 1985 — 1988
Diploma
Asset Realty Group July 2015 - Present
Century 21 Hart Realty June 2015 - Present
Horace Mann August 2014 - Present
HBW Insurance & Financial Services January 2005 - August 2014
CENTURY 21® January 2000 - May 2010
Skills
Property & Casualty..., Commercial Insurance, Mortgage Lending, Microsoft Excel, Microsoft Word, Microsoft Office, Life Insurance, Retirement Planning, Insurance, Team Building, Financial Planning, Umbrella Insurance, Marketing, Vietnamese Language, College Savings, Traditional & Roth IRA, Real Estate Services, Loan Originator
Education
Portland State University
Marketing
Portland State University
The First Church of Christ, Scientist October 2014 - Present
Muzikman Productions January 1992 - Present
Christian Science Church Gig Harbor October 2006 - Present
Oak Harbor Freight Lines July 2007 - Present
Allegro Music Instruction March 2013 - February 2015
First Church of Christ, Scientist August 2013 - October 2014
Organo Gold - What a Latte October 2011 - January 2013
Empower Network November 2011 - September 2012
iZigg Mobile Marketing July 2010 - July 2012
HBW Insurance & Financial Services June 2002 - June 2009
Skills
Mobile Marketing, Windows, Investments, Lead Generation, Team Building, Time Management, Coaching, Customer Service, Social Media Marketing, Marketing, Entrepreneurship, Blogging, Public Speaking, Telemarketing, Sales, Strategic Partnerships, Social Networking, Email Marketing, Facebook, Leadership, Management, Music, Online Advertising, Online Marketing, Sales Management, Small Business, Social Media, Teaching, Training, Web Marketing
Education
Westminster Choir College 1988 — 1992
Music Education / Performance
Tacoma Community College 2007 — 2007
Certificate, Creating Web Pages
Olympic Community College 2007 — 2007
Certificate, Creating Web Pages II
Strategy Computers 2003 — 2004
A+ Certification
Daycroft School 1986 — 1988
Diploma, Prep School
Dedicated Financial Services February 2012 - Present
Edward Jones March 2009 - February 2012
HBW Insurance & Financial Services July 2007 - February 2009
Lacro International 1997 - 2002
Skills
Fixed Annuities, Customer Service, Wealth Management, Small Business, Finance, Insurance, Retirement Planning, Marketing, Strategic Planning, Retirement, Life Insurance
Education
College of Financial Planning 2013 — 2013
Accredited Wealth Management Advisor
Los Medanos College 1987 — 1988
Business Administration and Management, General
Direct Selling Today November 2013 - Present
brightpeak financial December 2011 - November 2013
Eaglecap Consulting March 2005 - December 2011
Kyani 2008 - 2009
HBW Insurance & Financial Services March 2005 - August 2007
Primerica February 1985 - March 2005
Skills
Compensation & Benefit, Acquisition Integration, Turn Around Management, Small Business, Strategic Planning, Team Building, Marketing, Social Media, Leadership Development, Strategic Consulting, Fundraising, Public Speaking, Sales Management, Coaching, Executive Management, Business Strategy, Management Consulting, Change Management, Start-ups, Strategy, Entrepreneurship, Team Leadership, Management, Sales
Education
University of Montana 1978 — 1980
Music/ Business
HBW Insurance & Financial Services November 2009 - Present
Century21NorthShore July 2012 - November 2012
GRET 1996 - 2003
Programme de Soutien aux Initiatives Culturelles Decentralisees (PSICD) 1998 - 2000
Skills
Insurance, Fixed Annuities, Term Life Insurance, Non-profits, Disability Insurance, Strategic Planning, Retirement Planning, Indexed Annuities, Strategic Financial..., Sales, Universal Life, Life Insurance, Real Estate, Customer Service, Life & Health Insurance..., Medicare, Nonprofits, Whole Life, 401k, Team Leadership, Retirement Savings, Small Business, Financial Planners, Estate Planning, Outlook, Wealth, Team Building, Critical Illness, Financial Planning, Public Speaking, Leadership, Research
Education
Merrimack College 2013 — 2014
Management, Master of Science in Management
Florida Atlantic University 2008 — 2011
Public Administration & Non-profit Management
Faculte d' Ethnologie Port-au-Prince, Haiti 1992 — 1996
Bachelor's Degree, Sociologie
Institut Superieur Technique d'Haiti ISTH (Universite Leconte) 1988 — 1990
Topography
Bernardo-Goldstein & Quinn Agency, Inc. January 2014 - Present
HBW Insurance & Financial Services 2010 - 2011
Skills
Commercial Insurance, Personal Insurance, Insurance Planning, Insurance, Property & Casualty..., Umbrella Insurance, Legal Liability, Financial Services, Sales, Professional Liability, Life Insurance, Term Life Insurance, Financial Planners, General Insurance, Casualty, Small Business, Homeowners, Retirement, Casualty Insurance
Education
Siena College
Bachelor's degree, Business Administration and Management, General
Siena College
Bachelor of Science (B.S.) Business Adm, Marketing and Business Management
HBW Insurance & Financial Services 2008 - 2008
Skills
Leadership
Education
LA Trade Technical College 1990 — 1992
Liberal Arts
Los Angeles Valley College 1989 — 1990
HBW Insurance & Financial Services January 2014 - Present
HBW Insurance & Financial Services April 2010 - January 2014
Farmers Insurance October 2009 - January 2010
Enterprise Rent-A-Car September 1992 - June 2009
Skills
Customer Service, Customer Relations, Sales Management, Account Management, Team Building, Cold Calling, Training, Negotiation, New Business Development, Management, Sales, Marketing, Insurance, PowerPoint, Microsoft Excel, Team Leadership, Leadership, Coaching, Customer Retention, Financial Analysis, Customer Satisfaction, B2B, Pricing, Sales Process, Risk Management, Outlook, Selling, Sales Operations, Business Planning, Forecasting, Strategic Planning, Profit, Budgets, Contract Negotiation, Microsoft Office, Direct Sales, Business Analysis, Operations Management, Public Speaking, Leadership Development, Recruiting, Sales Presentations, Series 6
Education
Concordia University-Irvine 1988 — 1992
BA, Business Administration
Lutheran High School of Dallas 1984 — 1988
Willams Real Estate January 2013 - Present
Wiliams Real Estate December 2012 - Present
HBW Insurance & Financial Services January 2008 - Present
William E. Wood and Associates February 2006 - December 2012
Ceramics and Flowers By Vera January 1991 - September 2007
Skills
Buyer Representation, First Time Home Buyers, Short Sales, Sellers, Listings, Relocation, Single Family Homes, New Home Sales, Foreclosures, REO, Condos, ABR, Referrals, Investors, SFR, Investment Properties, Real Estate, Townhomes, Real Estate Transactions, Waterfront, Residential Homes, HUD, FHA, Seniors, New Homes, Real Property, Real Estate License, Move Up Buyers
Education
TRILE C BIBLE COLLEGE 1996 — 1997
MINISTRY
CHOWAN UNIVERSITY 1971 — 1973
AA, BUSINESS
Chowan University 1971 — 1973
BUSINESS
HBW Insurance & Financial Services August 2007 - Present
Education
The College of Saint Rose 1974 — 1977
BA, History
HBW Insurance & Financial Services November 2013 - Present
American Income Life Insurance Company November 2012 - Present
SunTrust Bank April 2003 - January 2012
Skills
Financial Analysis, Banking, Credit, Credit Analysis, Loans, Portfolio Management, Commercial Banking, Financial Modeling, Finance, Credit Risk, Strategic Financial..., Cash Management
Education
George T Baker Aviation School 2013 — 2014
Aviation, Aeronautics/Aviation/Aerospace Science and Technology, General
West Virginia University 1996 — 1999
Finance, Accounting and Finance, 3.0
Kyäni August 2015 - Present
SPI - American Express July 2015 - Present
Skyway Electric June 2014 - Present
Wave Broadband November 2014 - August 2015
SPI - American Express November 2013 - May 2014
Lincoln Heritage Life Insurance Company 2013 - November 2013
HBW Insurance & Financial Services December 2010 - November 2013
N2Sleep Homecare February 2011 - October 2013
NaseCare October 2010 - May 2013
self-employed, internet and marketing April 2010 - November 2010
Skills
Insurance, Life Insurance, Customer Service, Term Life Insurance, Marketing, Disability Insurance, Health Insurance, Sales, Management, Sales Management, Team Building, Business Strategy, Universal Life, Small Business, New Business Development, Retirement Planning, Strategic Planning, Direct Sales, Cold Calling, Leadership
Education
PSBA 1979 — 1983
Bachelor of Science in Business Administration, Marketing
Philippine School of Business Administration 1979 — 1983
BS in Business Administration, Business, Management, Marketing, and Related Support Services
HBW Insurance & Financial Services June 2009 - Present
Skills
Life Insurance, Fixed Annuities, Indexed Annuities, Financial Analysis, Term Life Insurance, Disability Insurance, Long-term Care, Retirement Planning, Insurance, Long Term Care Insurance, IRAs
Education
Roxbury Community College
Pozas-Monsalve Associates January 2009 - Present
HBW Insurance & Financial Services April 2001 - Present
Gateway Mortgage Group April 2012 - October 2012
FREEDOM FINANCIAL GROUP LLC January 2006 - December 2007
H&R Block January 2004 - April 2006
Skills
Mortgage Lending, Loans, Investments, Banking, Credit, Strategic Financial..., Financial Analysis, Insurance, Strategic Planning, Sales Management, Refinance, Risk Management, Sales, FHA, New Business Development, Real Estate, Fixed Annuities, Team Building, Customer Service, Marketing
Education
Vantage Career Center 2006 — 2007
Loan Officer, Banking and Financial Support Services
College Commercial Institute 1974 — 1978
Accounting, General Accounting
VITA
Advance Income TAX Assitant Certificate, Personal Income TAX
HBW Insurance & Financial Services March 2010 - Present
Argent Mortgage Company 2003 - 2007
BNC Mortgage 2001 - 2003
Skills
Loans, Sales, Mortgage Lending, Customer Service, Leadership, Credit, Fixed Annuities, Sales Management, Retirement Planning, Disability Insurance, Term Life Insurance, Insurance
Education
Nova Southeastern University 1996 — 1998
BS, Business Management
Howard University 1986 — 1988
Accounting
Peermusic January 2015 - May 2015
Warner Bros. Records January 2014 - May 2014
Rhino Entertainment August 2013 - December 2013
Harman International June 2011 - January 2012
HBW Insurance & Financial Services November 2010 - October 2011
Skills
Microsoft Excel, Team Building, Microsoft Office, Music Production, Social Networking, Social Media Marketing, Communication, Investments, PowerPoint, Customer Service, Time Management, Social Media, Music Industry, Microsoft Word, Marketing, Facebook, Event Planning, Event Management
Education
California State University-Northridge 2010 — 2014
Bachelor's Degree, Finance
HBW Insurance & Financial Services November 2011 - Present
Occidental Life August 2011 - Present
Added Care Solutions January 2011 - Present
Soft Sheen Products January 1991 - July 1999
Education
Knoxville College
Bachelor of Arts, Communications
Independent Health and Life Insurance June 2005 - Present
HBW Insurance & Financial Services April 2005 - July 2014
Global contact Servicess September 2007 - September 2009
Skills
Income Tax, Annuities, Health and..., Term Life Insurance, Insurance, Real Estate, Healt and Life Insurance, Small Business, Customer Service, Life Insurance, Health Insurance, Retirement Planning
Education
Universidad Santo Tomas Bucaramanga-Colombia 1977 — 1981
Bachelor in Accounting, Accounting
Universidad Santo Tomas-Bucaramanga-Colombia 1977 — 1981
Bachelor in Accounting
Colegio Santander -Bucaramanga-Colombia 1971 — 1976
Bachelor in Accounting
Universidad Santo Tomás
Bachelor's degree in Accounting, Accounting and Finance
HBW Insurance & Financial Services Sofware Development ManagerIBM CorporationAugust 1967 - August 1997
Education
Morehouse College 1962 — 1967
Bachelor of Science (BS), Mathematics
University of Houston-Clear Lake
HBW Insurance & Financial Services July 2011 - Present
Self-employed November 2009 - Present
Primerica Financial Services November 2009 - July 2011
Skills
Sales Management, Managerial Finance, Sales Process, Problem Solving, Coaching, Insurance, Team Building, Entrepreneurship, Small Business, Leadership, Team Leadership, Term Life Insurance, Mutual Funds, Management Consulting, Strategic Planning, Team Management, Leadership Development, Retirement, Public Speaking, Life Insurance, Long-term Care, Business Planning, Retirement Planning
Education
Bethune-Cookman University
Bachelor of Business Administration (BBA), Business Administration and Management, General
HBW Insurance & Financial Services March 2003 - Present
Self-employed October 1997 - Present
Primerica October 1997 - March 2003
Skills
Helping families save..., Saving with fixed index...
Education
Appalachian Bible College 1964 — 1967
Barnes Insurance Group September 2014 - Present
HBW Insurance & Financial Services January 2011 - Present
Federated Insurance March 1993 - November 2011
Skills
Insurance, Financial Planners, Life & Health Insurance..., Property & Casualty..., Disability Insurance, Small Business, Fixed Annuities, Life Insurance, Term Life Insurance, Marketing, Customer Service, Sales, Strategic Planning, Account Management, Public Speaking, Health Insurance
Education
Indiana University Bloomington 1973 — 1977
Bachelor of Science (BS), Education