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Posts Tagged ‘Services’

How can I become a licensed financial services rep?

12 May

I currently work for a bank and want to progress into investment services. I know that becoming an investment banker (mutual funds, annuities, etc…) requires a degree or certificate, but I want to know what kind of degree/cert this is.

I live in Texas if that’s relevant. Any ideas?

 
1 Comment

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Can letters of protection be used for debts other than medical services?

26 Apr

have an annuity payment from a settlement coming in at the end of the year and want to pay a debt that has been lingering for a while.
haven’t had the letter issued yet. the annuity payment comes in January and will more than cover a debt I have with a creditor.

 
1 Comment

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The market just topped 12000 today, what does it mean for new financial services associates just hired?

20 Apr

I just started working for a large Insurance company that offers variable annuties and mutual funds. With the market topping 12000 does this mean good things for my career?

 
5 Comments

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What is the salary range for a Financial Services Consultant?

31 Mar

I have an interview Tuesday for an Financial Services Consultant position. Its basically new accounts, credit/lending, selling cds, annuties etc for a local credit union. What is the salary range for this type of position and assuming I take series 63 licensing, what is the future outlook for the field for someone with excellent sales and service skills but no degree?

 
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Why do financial institutions open brokerage accounts, if they offer brokerage services as well?

20 Mar

Ex. Say Bank A, who offers annuity investments, in Santo Domingo opens a brokerage account with Merrill Lynch in the US. Why would it do that if it can just trade and clear directly thru the institution?

 
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Advice on Insurance and Financial Services Career(s)?

15 Mar

It looks like I am about to test for the Life & Health (license) in my state (Virginia). I have twice before held a Property & Casualty (though it was not for the purpose of selling insurance). The P&C, studying and exam wise (by my account, and virtually everyone I ever spoke to about it), was rather difficult. I am told by everyone now that the Life & Health is not nearly as difficult. Is this anyone elses experience? Is it advisable to perhaps simply go to the library, work from the internet, and learn enough to pass the exam? Also, I am looking at (hoping for) the possibilty to work in annuities and other financial products – however I am not even exactly sure what an annuity is (lol). Can anyone explain an annuity and offer any other advice about the industry (Life & Health, financial services, etc.)?

I appreciate all responses – thx! – g.

 
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Know anything about Ameri-Life and Health Services in Brooksville, FL?

02 Mar

This company is trying to get me to trade-in my IRA annuties for a Indexed annuity through American Equity Insurance Company. I will lose money, surrender value on my present annuity but gain 10% on their’s. Is this a reputible company?

Is a guaranteed 5% index annuity a good deal?

 
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Primerica Financial Services: Word- of- Mouth, Gwinnett County, Georgia, Series 6, FINRA, Long- Term care Insurance, Variable Annuity, Credit Monitoring

01 Mar

Product Description
High Quality Content by WIKIPEDIA articles! Primerica Financial Services (PFS) is a referral marketer of financial services through a large sales force of full-time & part-time representatives. Headquartered in unincorporated Gwinnett County, Georgia the company is currently segregated from Citi as part of Citi Holdings, having announced its intention to completely divest away from its parent through an IPO to occur in 2010. It is the largest financial services marketing organization in North America with more than 100,000 licensed independent representatives, 26,000 of whom are FINRA securities licensed through Primerica’s securities broker-dealer affiliate PFS Investments, Inc. in the US, and through PFSL Inv… More >>

Primerica Financial Services: Word- of- Mouth, Gwinnett County, Georgia, Series 6, FINRA, Long- Term care Insurance, Variable Annuity, Credit Monitoring

 
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I work in a financial services department in a bank. I have been working in this field for only a year…?

19 Feb

I have decided to go back to school to receive my bachelors in Finance. The paperwork I have to fill our for reimbursement for schooling asks how Statistics directly relates to my current job or how it will enhance my potential for advancement at the bank.

Right now I work with investments (stocks, bond, Annuity’s, Mutual Funds…etc). Any suggestions would be greatly appreciated.

 
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Brining Financial Services Online

26 Nov

The variety of financial tools and services available today has multiplied dramatically from a generation ago. On both the personal front and in the business sector there has been a dramatic increase in the number of products available, the methods by which they are delivered and the services they require.

The internet is a perfect system for laying out preliminary information in the financial services industry, where product options can get complicated fairly quickly. Businesses of all sizes that are engaged in some portion of this industry are finding that a website makes good business sense.

An enormous amount of financially related business is still done at the local level. Mortgages, auto and home loans and insurance policies are still usually secured from a local agent. The small businessman engaged in providing such products need only think about the amount of time he or she spends on the phone explaining the basics of their services to realize how much time a website could save them.

When a customer calls about auto insurance, think about the ability to refer the caller to your website to learn about the required minimum coverage, about the relationship of the vehicle’s value, about the relationship of personal injury coverage to health insurance.

Think about having a website that explains the four or five home mortgage options that are available, about how they are affected by down payment, credit history and loan amount. Consider the enormous number of variables available in health insurance for both individuals and families, and envision a chart on your own website that explains how those policies work.

That’s only a start on the types of benefits a website can provide to a small businessman or regional company in the financial services business. Your website can provide explanations, charts, even video clips explaining:

* Retirement planning
* Medicare insurance options
* Home loans, including specialties such as tenants-in kind
* Real estate history and trends in your area
* Auto insurance, including the effects of driving records and assigned risk
* Investments – mutual funds or annuities? Stocks or CDs?
* Estate planning
* Health insurance - a new policy, or COBRA?

These are a few examples plucked from a vast array of financial services that are out there today. Your website can become your reference library, your consulting tool, and your business partner when it comes to educating your clients. Websites provide multidimensional explanations of material in a far more effective fashion than brochures. No matter how glossy, stacks of paper that use terms only half understood are intimidating to people.

Your website can have an entire dictionary section, so that potential customers can learn terminology at their leisure, rather than ask embarrassing questions. And of course, the fewer questions they have when they pay a call on you, the less time is consumed in moving towards a potential sale.

Use the graphics capability of a website to maximize the attractive nature of your particular company. Take advantage of a personalized business website to explain why your services are better, unique, priced more reasonably, performed more thoroughly. With any complex financial product, you’ll need to explain how your selection of products can meet an entire range of consumer needs. Your website can do that for you.

Financial products can be presented online just as attractively as real estate is today. For every financial product, there is a personal benefit that can be reinforced with images. For products with multiple options and complex purchasing decisions, a website provides a consumer with an invaluable tool that is available 24/7. Your potential customer won’t be sitting across from you, concerned that there’s been a question missed or an issue not fully understood. A website is like an office staff to a financial services professional: there’s no better business for harnessing the efficiency of the new technology.

 

 

Guide to Online Financial Services

25 Nov

The variety of financial tools and services available today has multiplied dramatically from a generation ago. On both the personal front and in the business sector there has been a dramatic increase in the number of products available, the methods by which they are delivered and the services they require.

The internet is a perfect system for laying out preliminary information in the financial services industry, where product options can get complicated fairly quickly. Businesses of all sizes that are engaged in some portion of this industry are finding that a website makes good business sense.

An enormous amount of financially related business is still done at the local level. Mortgages, auto and home loans and insurance policies are still usually secured from a local agent. The small businessman engaged in providing such products need only think about the amount of time he or she spends on the phone explaining the basics of their services to realize how much time a website could save them.

When a customer calls about auto insurance, think about the ability to refer the caller to your website to learn about the required minimum coverage, about the relationship of the vehicle’s value, about the relationship of personal injury coverage to health insurance.

Think about having a website that explains the four or five home mortgage options that are available, about how they are affected by down payment, credit history and loan amount. Consider the enormous number of variables available in health insurance for both individuals and families, and envision a chart on your own website that explains how those policies work.

That’s only a start on the types of benefits a website can provide to a small businessman or regional company in the financial services business. Your website can provide explanations, charts, even video clips explaining:

* Retirement planning
* Medicare insurance options
* Home loans, including specialties such as tenants-in kind
* Real estate history and trends in your area
* Auto insurance, including the effects of driving records and assigned risk
* Investments – mutual funds or annuities? Stocks or CDs?
* Estate planning
* Health insurance – a new policy, or COBRA?

These are a few examples plucked from a vast array of financial services that are out there today. Your website can become your reference library, your consulting tool, and your business partner when it comes to educating your clients. Websites provide multidimensional explanations of material in a far more effective fashion than brochures. No matter how glossy, stacks of paper that use terms only half understood are intimidating to people.

Your website can have an entire dictionary section, so that potential customers can learn terminology at their leisure, rather than ask embarrassing questions. And of course, the fewer questions they have when they pay a call on you, the less time is consumed in moving towards a potential sale.

Use the graphics capability of a website to maximize the attractive nature of your particular company. Take advantage of a personalized business website to explain why your services are better, unique, priced more reasonably, performed more thoroughly. With any complex financial product, you’ll need to explain how your selection of products can meet an entire range of consumer needs. Your website can do that for you.

Financial products can be presented online just as attractively as real estate is today. For every financial product, there is a personal benefit that can be reinforced with images. For products with multiple options and complex purchasing decisions, a website provides a consumer with an invaluable tool that is available 24/7. Your potential customer won’t be sitting across from you, concerned that there’s been a question missed or an issue not fully understood. A website is like an office staff to a financial services professional: there’s no better business for harnessing the efficiency of the new technology.

 

Top 6 Critical Personal Coaching Services For Your Life And Career

27 Sep

As you move through your professional career, through the growth and maturity of your family, and through all that this life throws at you, it helps to have wise council along the way – especially in those critical times where your mental and physical balance may be disrupted. For some, advice from a spouse or family member is enough; for others guidance and council from a trusted friend may do the trick. However, for those particularly difficult and complex life or career challenges, those that truly threaten your longer term earnings ability and perhaps even your mental health – seek professional, experienced advice. This is exceptionally important during major transitions – when laid off, once your children are finally in school, when seeking a career change, or during any other significant life event. Following are 6 Critical Types of Personal Coaching Services to consider to repair, rebuild or re-energize your career, health and earnings potential.

Personal Life Coaching

Without self-confidence, we tend to make choices based on fear instead of hope. A person who lacks confidence may have a stronger tendency towards self-destructive behavior, and create a more stressful environment. You might work at a job you hate. You may allow yourself to get deep in debt. You may find yourself moving from one bad relationship to another. Without confidence, you don’t allow yourself to pursue your dream, make the changes that matter, relieve the stress that inhibits your success.

A Personal Life Coach, for example found through the services of Janie Behr (jblifecoach.com), will help empower motivated individuals to overcome obstacles that hold them back from having a meaningful, productive and ultimately successful life. She partners with her clients in a personal coaching relationship that will allow them to gain insight and develop an action plan, helping them create a life of empowerment, purpose and happiness. Through these life coaching and stress management processes, you develop new ways to problem solve, achieve a higher degree of self-awareness, and create improved personal and professional abilities.

Executive Coaching

Business today (especially on the Internet) is fast paced and dynamic, and requires constant learning in order to keep up with the demands of customers in local, regional and the global marketplace. Leaders must continually grow and develop skills to keep up with new challenges and new challengers. However, for many, there simply is no time in the schedule for development, and the days of executive retreats and seminars are over in this ecomony. Executives have learned that the incremental gain from traditional training is not worth the investment of time away from the office.

Unlike general training, Executive Coaching focuses on a leader’s specific development needs, and addresses those needs through one on one learning. Executive coaching deals with real time issues and real work situations, tailored to quickly and effectively address today’s challenges. The coach’s role, for example found through the services of James Bowles and Associates (jamesbowles.com), is to assist clients in developing the insight, skills, and techniques needed to achieve business success. Coaching achieves all of this with only the investment of a few hours a month, and builds accountability that lasts past the coaching engagement – resulting in sustained improvement, increased opportunities and earning potential.

Career-at-Home Coaching

Particularly for women and moms who are returning to workforce, after having children, following the advice and counsel of other successful Career-at-Home-Moms (CAHMs) is very important to finding this kind of success. Most typically consider supplemental income from Work-at-Home-Mom (WAHM) opportunities or simply leaving the children to daycare and pursuing work outside of the home – there do exist credible, amazing opportunities for professional women and moms to build or rebuild their professional careers, while working from home. But how is this achieved? How do you actually find the time, manage the right set of professional expectations, and deliver professional results while managing a household?

Guidance and coaching is available, for example through the services of Kelly McLaughlan at The Fulcrumpoint (fulcrumpoint.wordpress.com) – Kelly has successfully navigated the Career-Out-of-Home to Career-at-Home-Mom lifecycle over many years, regaining her six-figure professional earnings, revitalizing a durable and quickly-growing career, and creating a work-life balance that delivers both family satisfaction and an ongoing stream of income and investments. Kelly can also provide a wealth of information regarding leveraging the Internet for building relationships, using Internet Marketing and Social Media, and growing your business and career.

Personal Exercise Coaching

Personal exercise coaches aren’t a new concept, but personalized in-home exercise coaching, delivered through the Internet via online counsel and easy to use videos, is. How do you find the time and motivation to actually start or complete exercise routines, while managing your household, working around the clock, or otherwise engaging in activities that don’t address your body’s health and fitness? This is an especially important question for women and moms, typically consumed at home with work, family management and household chores.

SqueezeItIn.com is a form of online personal exercise coaching specifically developed to deliver quick and easy home exercise and workout programs for women and moms (and anyone else, for that matter) – that’s totally, easily incorporated into daily housework and family schedules. The online video segments, and online collaborative community provide “virtual” personal exercise coaching that can quickly add up to increased energy, decreased weight and a much more positive and stress-free day – enabling you to more readily achieve your personal and financial goals.

Personal Nutrition and Detoxification Coaching

Personal nutrition coaches aren’t quite as common as personal exercise coaches – but can be equally important, considering the deterioration, stress and damage being done to your body and health on a daily basis. While exercise is great, exercise alone doesn’t necessarily remove all the bad chemicals, toxins and biological material left around your body over your lifetime and less-than-healthy lifestyle. A good personal nutrition coach will not only help you change your eating habits, discover new and better food and drink, and recommend the right balance of nutritional supplements as necessary – but may also be able to provide bodily detoxification alternatives and guidance, to rid and cleanse your body of chemical toxins, unwanted chemicals and other trash clogging up your system.

Over at California Earth Minerals (californiaearthminerals.com), for example, a wealth of information, guidance and products exist that many Personal Nutrition Coaches recommend, focused on detoxifying your body with natural products including Calcium Montmorillonite, or “Bentonite Clay”. This is a natural ionic mineral that’s not only edible, but also useful for detoxification of your environment (i.e. koi ponds and landscape pools) and your pets (i.e. in edible form for animals).

Personal Finance, Insurance and Tax Coaching

Rounding out the Top 6 Personal Coaching Services to consider to improve your life, career and earnings potential, are personal finance, insurance and tax coaches. The types and styles of these coaches range from “advisor” to professionally-licensed “accountants” or “agents”. Your financial needs may also range from personal investments or spending, to your business or commercial insurance, investments and tax issues. The point is, consider professional coaching and guidance for any and all of these financial, insurance or tax areas, especially when changing careers or jobs, relocating, or starting a new business – or when you’ve found you and your family’s finances to be severely threatened due to personal or professional loss.

You may find significant “all-in-one” help from your local Insurance Agent, who’s typically experienced in helping clients deal with significant life changes or issues, and recommending insurance programs plus referrals or suggestions for further financial, tax or investing counsel. For example, Khalid Umerani, of NOVA Insurance Group (Allstate) in Chantilly, VA (south-riding-insurance.com), offers truly local, personalized and family-oriented coaching and services for all insurance needs, from long-term care, to housing, personal property and medical insurance. As a Personal Financial Representative, he’s also licensed to sell financial products such as IRAs, mutual funds, variable life insurance, variable annuity products and more. This means you can take care of a wide variety of your insurance and financial needs in one place. Check with your local insurance agent, or if in the Northern Virginia, Loudoun County or Chantilly Insurance coverage area, check in with NOVA Insurance Group.

Add it up – these 6 types of Personal Life Coaching and advisory services can be extremely effective at helping you reset, renew and restart your physical, mental and financial health – for you personally, and for your family and associates. Be sure to take advantage of services like those described, for the most professional and helpful guidance available during the roughest transitions of your life and career.

 

Financial Planning Martinez Ca L S Financial Services

19 Sep


Financial Planning Martinez Contra Costa Alameda Sacramento San Francisco Retirement Planning Tax Mutual Funds Fixed Variable Annuities Long Term Care Life Insurance 529 College Plans 403(b) IRA (8…