Steve Curtis, CLU, ChFC

801-691-2345
sce5d55a@westpost.net
Objective:
Outside Sales, Divisional Manager, Sales or Marketing Executive
Career Profile:
Fourteen years of experience in outside sales in the financial sector as a exter
nal wholesaler with focus on variable annuities, mutual funds, and managed money
. Four years additional experience in the financial services industry as a fina
ncial advisor adding increased insights into the approach talk and mindset of ou
r advisor clients. Three additional years of experience in financial audit and
taxation including management and training of junior associates during financial
audits.
Summary Of Strengths:
(R) Developing and maintaining strong relationships with advisor clients leadi
ng to growth in their practice and growth in assets gathered
(R) Consistently ranked as one of the top wholesalers in the firm(s)
for sales call activity
(R) Strong technical knowledge of annuities and annuity applications along with
ability to communicate and to motivate annuity and mutual fund sales.
(R) Chosen by past and present managers and peers as one
of the top wholesalers in the firm(s) in sales presentation skills.
Professional Experience:
JACKSON NATIONAL LIFE UT / ID / MT / WY 2005-2010
Regional Vice President a" Annuities
Develop annuity sales with advisor clients in the independent channel in Utah, e
astern Idaho, eastern Montana, and Wyoming. Present sales ideas, practice manag
ement ideas, and business development solutions using Jacksonas variable annuity
solutions.
Achievements:
(R) Increased annual variable annuity sales in territory 100% YOY 2006 vs. 2009
(R) Increased market share in territory to among the top in West 2009
(R) Recognized as one of the top wholesalers in the company 2007 a" Super Stretc
h
(R) Recognized as one of the top wholesalers in the company 2006. - Super Stretc
h
(R) Increased variable annuity sales over 115% of yearly goal 2007
(R) Increased variable annuity sales over 115% of yearly goal 2006
(R) Top 10% in the firm in sales call activity 2008 - 2009
(R) # 1 or # 2 in the firm in sales call activity 2005 (prorated), 2006, 2007
LINCOLN FINANCIAL DISTRIBUTORS UT / AZ / NV 2002-2005
Regional Marketing Director a" Annuities and Mutual Funds
Develop annuity sales with advisor clients in the independent channel in Utah, A
rizona and Nevada. Present sales ideas, practice management ideas, and business
development solutions using Lincolnas Choice Plus Assurance Annuities. Also ma
rket Delaware Mutual funds 2002 - 2004.
Achievements:
(R) Increased annuity sales 28% in 2004 from 2003 with half of the territory.
(R) Increased mutual fund sales 18% in 2004 from 2003 with half of the territory
.
(R) Increased mutual fund sales 100% annualized first qtr 04a from 03a before te
rritory cut
(R) Increased annuity sales 300% first qtr 04a compared to first qtr 03a before
territory cut
(R) Increased annuities and mutual funds sales 125% last half of 03a before terr
itory cut
(R) Increased key planner and outside planner new tickets substantially
(R) Awarded #1 in Firm for total office visits 03a and 04a during focus period
(R) Performance appraisal 03a a" aConsistent among top in sales calls activitya
(R) Performance appraisal 03a - aAmong top in sharing sales ideas w/ peersa
GUARDIAN Utah / No. California 2000-2002
Regional Sales Director a" Annuities and Mutual Funds
Develop annuity and mutual fund sales with clients and prospects from independen
t, regional, and wire house firms in Utah and Northern California. Contact prosp
ects and clients and present concepts, features, benefits, and sales solutions u
sing the Guardian Annuities and the Park Avenue Portfolio Mutual Funds. Develop
new producer relationships and close business.
Achievements:
(R) Increased outside broker dealer VA sales 500% in 2001.
(R) #1 Wholesaler 2001 - Western Division Annuity Production - Guardian
(R) #1 Wholesaler 2001 - Western Division Total Annuity Production
MERRILL LYNCH UT / AZ / NV / NM 1999 - 2000
Portfolio Services Specialist a" Managed Money Wholesaler
Develop managed money and mutual fund sales with 500 advisor
clients in three states. Build and maintain raving fans client relationships.
Proactively organize and provide group and individual client training
and client presentations. Primary focus includes face time with clients,
return calls quickly, coordinate external wholesalers, and grow business.
Achievements:
(R) Increased net new accounts to 2nd quartile from 4th quartilea"8 mos.
(R) Improved average net account retention 45 percenta"8 mos.
(R) Instigated recurring monthly client office dinnersa"speeding profitability.
(R) Initiated anewa client training which increased account growth & retention.
MERRILL LYNCH UT / CO / WA / ID 1996 - 1999
Insurance/District Annuity Specialist a" Regional Wholesaler
Develop insurance and annuity sales with 350 clients in six states. Contact cli
ents and explain concepts, features, and benefits of policies and annuities offe
red, recommending amount and type of coverage or annuity based on analysis of cl
ientas circumstances. Develop and close business. Increased sales participatio
n within the six state region for three consecutive years.
Achievements:
(R) Received Merrillas highest annual reviews every year - FE 97a, 98a, 99a
(R) Increased outside annuity sales 35% and proprietary sales 10% - 98a-99a.
(R) Finished 99a top quartile producer (out of 30) in total annuity PC/FC.
THE INSIGHT GROUP Salt Lake City, UT 1995 - 1996
Financial Consultant a" Sales
Develop and implement custom financial plans for high net worth individuals, bus
inesses, and organizations; utilizing knowledge of tax and investment strategies
, securities, insurance, pension plans, and estate planning.
BROCK AND ASSOCIATES Salt Lake City, UT 1992 a" 1995
Financial Consultant a" Sales
Develop and implement financial plans for individuals, businesses, and organizat
ions with primary focus on variable life insurance and estate planning applicati
ons. Present numerous seminars for sales marketing.
Achievements:
(R) Recognized as top junior associate in the Company for 1994.
(R) Awarded Companyas Professional Development Award 1994.
(R) Created new seminar that increased fee revenuea"adopted by others.
(R) Gained insights and credibility with consultants as a financial wholesaler.
BDO SEIDMAN Orange, CA 1990 - 1992
Audit and Tax Consultant
Examine accounting records to determine financial status of establishment and pr
epare financial reports concerning operating procedures. Supervise review of da
ta regarding material assets, net worth, liabilities, capital stock, surplus, in
come, and expenditures. Prepare tax returns for individuals, partnerships, and
corporations. Provide management consulting.
Achievements:
(R) Provided management recommendationsa"increased company profits.
(R) Developed a new client proposal presentationa"new Company standard.
(R) Supervised $100,000 revenue audit(s); managed junior associates.
(R) Managed other associates on special compliance engagements.

MCGLADREY AND PULLEN Orange, CA 1989 - 1990

Audit and Tax Consultant
Consult on Capital Projects, Agency, and Internal Service Fund engagements. Pre
pare journal entries and financial statements for inter-fund transactions. Prep
are budgetary, operating, and closing entries for governmental and not-for-profi
t audits. Primary focus governmental industry audits.
Achievements:
(R) Supervised several audits and trained junior accountants.
(R) Learned and taught new graphics software to Firma"set new standard.
(R) Completed most audit and tax engagements under budget.

KPGM PEAT MARWICK Costa Mesa, CA 1988 - 1989

Audit Consultant
Inspect items in books of original entry to determine if accepted accounting pro
cedure was followed in recording transactions. Verify journal and ledger entrie
s of cash and check payments, purchases, expenses, and trial balances by examini
ng and authenticating inventory items.
Education:
(R) Volunteer Service for a non-profit organization - Dallas, TX 1983 -1985.
(R) Brigham Young University - Provo, UT 1985 - 1988.
(R) Bachelor of Science Degree in Accounting; Minor in Business 1988.
(R) Chartered Financial Consultant (ChFC) - American College, 1994.
(R) Chartered Life Underwriter (CLU) - American College, 1994.
(R) Professional Selling Skills Workshop - Learning International, 1995.
(R) Certified Financial Manager (CFM) - Merrill Lynch, 1997.
(R) Fusion Sales Training - Merrill Lynch, October 1999.
(R) Managed Money Sales Training - Merrill Lynch, December 1999.
(R) High Net Worth Sales Training - Merrill Lynch, January 2000.
(R) The Sequoia System Wholesaler Training a" Guardian, April 2001
(R) Discovering Your Value Sales Training a" Lincoln, 2003
(R) Series 7, 6, 65, 63, and Insurance Licensed