Stephen Premo Email & Phone Number

Panama City, Florida, United States

Financial literacy and financial Readiness.

Panama City Beach, Florida, United States

Provides a wide variety of Personal Financial Management classes and workshops on Financial literacy and education to Service Members.

Rochester Ny

Confidential financial consultations for Military Service Members and their families. Money management and spending plans. Credit and debt management. Retirement and estate planning. Risk management and planning for deployment. Investments and life insurance. Financial trainings and community resources referrals to Military families.

Rochester, New York Area

Survivor Outreach Services (SOS) purpose is to deliver on the Army's commitment to families of the fallen by providing financial services to Active, Reserve, and Army National Guard families. Financial Counselors provide assistance to surviving families through investment, insurance, tax, and estate planning. SOS is Army funded program that helps all Military branches including Army, National Guard, Navy, Marines, Air Force, and Coast Guard.Certified Financial Counselors provide training and presentations in money management, proper use of credit, financial planning, investing, Thrift Savings Plan, Savings Deposit Program for deployed Service Members, relocation spending, and personal financial readiness . Financial Counselors also conduct financial literacy awareness campaigns including Military Saves, Identity Theft, and tax issues related to active duty Military Service Members. Created Military Money Map to break financial goals into smaller more manageable steps that eliminate debt, start automatic savings, fund retirement and addresses estate planning & life insurance needs.

Greater Chicago Area

Prepare annual and quarterly statutory financial statements, including schedules for GAAP to STAT analytical review. Preparation of various credit life annual statement filings. Coordination of premium tax filings by E&Y. Review investment schedules prepared by Clearwater. Calculates investor positions in small life insurance companies. Issues distributions checks and corresponding 1099's. Compilation of data for internal, external auditors, and state examiners. Prepare journal enteries on Peoplesoft GL and runs Trial Balance. Continued education includes Booke seminars.

Prepared quarterly and annual statutory financial statements "Blue Books" for small life insurance companies domiciled in Arizona, Turks & Caicos Islands, Bermuda, and Cayman Islands. Produced investment schedule D along with AVR and IMR exhibits. MDA and cash flow analysis. Estimated federal taxes. Calculated 1120L, 1120PC, & 1120 federal income tax returns. Compile exotic (P&L) statements. Computed dividend checks for shareholders. Assembled presentation materials for client meetings.

Purchase, renovate, and manage rental real estate properties.Prepare cash flow projections. Budget capital expenses.Formulated depreciation schedules. Created marketing plan to identify desired targeted tenants.Risk management and leasing. Established line of credit. Compliance of building codes with village inspectors.

Maintained accounting records for reinsurance companies. Accounted for asset classes such as stocks, bonds, mutual funds, treasury securities, CD'S, GNMA's, private securities, and derivatives. Monitored non-admitted assets for compliance to Arizona statutes. Researched and responded to external and internal inquiries from clients and marketing.

Analyzed claim reserves and loss ratios. Researched pending and paid claims. Verfied audit confirmations. Confirmed litigation expenses. Prepared warehouse report. Reconciled and coded reinsurance general ledgers. Tested and implemented claims into Xycor.Developed and documented procedures for testing and conversion into Xycor. Established written procedures. Contributed in special projects.

Prepared audits. Analyzed rates. Computed premiums and refunds. Researched pending and paid claims. Processed accounts receivables and accounts payable. Introduced survey to measure the effectiveness of client service to automotive dealers.

Assisted in computerization of department. Reduced freight costs. Invented tracking system. Established service guidelines. Prepared reports. Standardized billings. Increased morale.

Analyzed inventory levels. Purchased animal feeds and pet supplies. Prepared sale audits. Attended trade shows. Assisted in promotion of brand name.

Bachelor, Finance

State & Federal Income Taxes

Individual income taxes for state & federal income tax returns

Clu/Chfc, Financial Planning

Flmi, Fellow, Life Management Institute

Education record