1/2 the weight, 1/2 the time = better results. BFR bands; A workut program for the busy individual, seniors and people with physical restraints, injuries and inactve lifestyles.

I represent 14 of the strongest insurance companies in the country. I am able to insure anyone 0-99 years old with most any condition. I am able to find the perfect product for everyone. We are able to cover individuals and families for final expense, mortgage protection, student loans, income protection as well as annuities. Our annuities pay some of the highest interest rates with a guaranteed income stream.I love to be able to help and educate people who want to protect their families.

Handle all aspects of construction projects. Rebuilding single family homes after Hurricane Sandy devastation.- Working with homeowner; scope of work, budget & time frame- Provide quotation (researching cost for supplies & subcontractors)- Order supplies & hire subcontractors- Oversee job to ensure compliance with homeowners requirements and managing budget- Conduct minor construction, including but not limited to: demolition, install insulation & ceramic tile.- Manage business' financials

Advise customers on the insurance policies that best suit their needs. Develops base for long-term sources of clients by using referrals, occupational, and special-interest groups to compile lists of prospects.Approaches potential clients by utilizing mailings and phone solicitation; making presentations to groups at company-sponsored gatherings; speaking publicly to community groups on the subject of financial well-being.Determines clients' particular needs and financial situations by scheduling fact-finding appointments; determining extent of present coverage and investments; ascertaining long-term goals.Develop a coordinated protection plan by calculating and quoting rates for immediate coverage action and long-term strategy implementation.Obtains underwriting approval by completing application for coverage.Completes coverage by delivering policy; planning future follow-up visits and evaluations of needs.Provides continuing service by providing direct deposit forms; processing changes in beneficiary and policy loan applications.Provides death benefits by delivering policy proceeds; reassessing client needs.Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.Enhances insurance agency reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.

• Integrated 2 sites, reduced redundancy• Lead the construction of new facility, merger of 2 sites, came in 20% under budget.• Managed Service Administration Department• Reduced in-transit inventory by more than $1M• Implemented paperless filing system• Reduced order-to-invoice time from 2+ weeks to less than 4 days• Created & documented processes, trained, tested & implemented 3rd party logistics company for service organization.• Cross-trained entire team on all functions reducing downtime and increasing productivity• Led several focus groups to improve customer relations, internal communications and to ensure accountability and follow-up which many times resulted in positive and successful business improvements. • Implemented and managed several sharepoint sites for departmental processes; key sales accounts and several projects.• Implement and manage incoming sales inquiries to ensure given to proper sales person and quickly followed up on.• Recovered more than $1M in insurance claims• Facilitated the recovery of $10K in overpaid NJ taxes for out-of-state employees

• Create, maintain and implement Disaster Recovery and Evacuation Plan for 3 sites. Developed Safety Committee, which continually discusses the business and implements safety and recovery initiatives should a disaster occur.• Responsible for the management of 3 facilities totaling 70,000 sq.ft.• Reduced overhead costs and expenses by 20% by negotiating with vendors.• Regularly develop innovative solutions that cut costs in both the short and long term. Conduct special analyses and cost comparisons and purchase research.• Integration Manager for new acquisition "LiveWave"

• Managed all in-house accounts from conducting site surveys to installation.• Account Manager for key customers to ensure order accuracy, installations, service and invoices were handled with efficiency meeting customer expectations.• Implemented after warranty service program and sold more than $5M in two years. This program is still in place 13 years later.• Developed and implemented all processes and procedures for the growing service department from incoming call to invoicing. This process is still in place 13 years later.• Implement and manage all insurance claims for damaged freight. Recovered more than $1M in claims.• Managed build-out and renovation projects at 2 locations on time and under budget by 5%.