• Face-to-face and remote sales to new customers and cross/up/repeat sales to existing customers. • Assessing customer needs and suggesting appropriate products, services, and/or solutions. • Developing and delivering sales bids/proposals/presentations and conducting product demonstrations. • Developing medium to long-term sales plans and preparing strategies to protect, grow and diversify the relationship with my customers.

​Vinnie RICP® (Retirement Income Certified Professional) has been working with Baby Boomers and Retirees for 22 years with a focus on retirement security. ​In his early 30’s, Vinnie’s career hit a fork in the road and he decided to pursue his love of finance. Once he started working in the financial services arena, he knew he could make a difference in people’s lives. Since then, Vinnie has been guiding families, baby boomers, women and business owners to make well educated decisions with their money.“I finally felt I had a purpose in my career.” “It’s a great feeling to help people gain visual clarity about what matters most to them so they can live the retirement lifestyle they want and deserve. I enjoy educating people about their finances, so they can make better informed financial decisions. For me, it’s all about making a difference in people’s lives. I want to empower people to live a life of significance and abundance, filled with purpose and passion, to ultimately leave their footprint on this earth to all those they love and care about.”​Vinnie has worked for MetLife, Guardian and Principal Financial throughout his career. He has spoken on Retirement Income Distribution and Social Security Topics at Northern Essex Community College, Newburyport Community Senior Center, Alcatel-Lucent, Edgewood Retirement Community, and the Boys and Girls Club.​When he is not working, Vinnie enjoys spending time with his wife and 2 children. Vinnie participates in his daughter’s and son's school activities. Vinnie competes as an outfielder in the Over Thirty Baseball League out of Lowell, MA. Vinnie likes spending time outdoors, walking, biking, gardening, and reading on the beach.Services* Retirement Income Planning* Volatility buffers for safe growth* Social Security Planning to maximize your benefits* Show you how to pay for long term care

At Combined Services LLC, we work with you, the producer, to bring top quality products and services to your clients at affordable prices with enrollment and ongoing support services.Combined Services LLC is available to attend meetings with your client, perform employee education sessions, create personalized employee enrollment materials and assist with the actual enrollment. We understand that paying attention to the details will ensure a smooth implementation and a satisfied client.Combined Services LLC represents insurance carriers that have been carefully selected for their financial stability and ability to meet employee benefit needs.Group & Voluntary Group ProductsLife/AD&D/Dep LifeShort-Term DisabilityLong Term DisabilityVisionDentalIndividual & Worksite ProductsLifeAccidentCritical IllnessHospital IndemnitySupplemental MedicalAdministrative ServicesFlexible BenefitsPlan Document PreparationCOBRA Compliance Administration

We provide independent brokers and advisors with solutions to help their clients better manage their risks. We focus on understanding your business and market niches so you can better serve your client's needs.We offer small businesses, business insurance to help them better manage their risks so they can focus on running their business.* workers compensation* general liability* professional liability* business owners policy

* Offered prospective clients a full range of retirement products and services such as: annuities, mutual funds and brokerage accounts.* Advised MetLife clients on a wide range of insurance plans such as life, long term care and disability. * Evaluated clients’ financial objectives & leverage MetLife products to develop financial plans

* Conducted 50-100 outside cold calls per day to small/medium sized New England based corporations* Generated leads through the use of the Internet, referrals and telemarketing* Created valuable, easy-to-use marketing materials for prospective buyers

* Increased account base by 60% through consistent marketing of food, paper and chemical products* Effectively maintained customer relations through informative product demonstrations and excellent customer service* Provided sales, marketing and software training for new employees* Developed cost saving menu solutions for client base

* Achieved 100% monthly sales quota by increasing cookie/cracker sales through assertive salesmanship and consistent communication with clients* Successfully managed 2nd largest sales territory in Merrimack Valley Region by constantly meeting sales goals and accurately managing inventory control* Voted “Most Valuable Merchandiser” (Rookie of the Year) during first year of employment