My Career path

As a Personal Financial Planner By Mike Morrow

My Career Path My personal background and experiences has helped guide me towards a path of a Certified Financial Planner. I have always felt like there was a better way to use money; instead of working for money, I wanted to figure out how to make my money work for me. I have always made enough for my current needs and desires, but I know that what I am doing now will not secure me for the future. It was fall semester when I took my first finance class which so far has been the most influential class that I have taken. I learned many ways to make my money work for me! I learned about budgets, stocks, bonds, insurance, and many other things that gave me the desire to better not only my life, but others as well. These desires lead me to the career of a Certified Financial Planner or CFP for short. These professionals do a lot of things that I want to learn and then do, which for the most part the title is self-explanatory, they help people with their monies to be prepared for the future. As a CFP, your duties are to review clients financial goals, current investments, and risk tolerance. Together they develop the clients financial plan and investment strategy for the future. A CFP will be able to help other people with investing in the stock markets; whether directly invest the clients money or simply direct them on how and where to do it. CFPs help with retirement planning; there are a lot of people out there that want to retire and have money, they just need some direction on how to retire with money. CFPs can help clients with budgets and family financial goal setting. Many financial institutions will hire CFPs. Banks and credit unions will hire CFPs; large investment groups such as Fidelity are always looking for planners. And there is also the

ability to start your own business as a sole proprietor. For the third option, it can be the most risky of the three options because starting out a business is never easy. You will be responsible for getting your name out there in order to get clients in. But the rewards are amazing! From what I have read, it is typical to have at least a bachelors degree in some kind of financial related field such as accounting, economics, etc. It was interesting to me that it is not required to have a masters or a MBA. I read that it is helpful to be knowledgeable in taxes, insurance, estate planning, but that also is not a requirement. In fact, what I read suggested that if a CFP wanted to do this independently it was more important to understand business than things like tax laws, insurance and other sub categories of financial planning. There are multiple ways to get paid; you can take a commission based on what you have earned for the client, or a fee based compensation. For my goals, I want to start people on the path, I want to be the person who shows them their horizon and helps them form budgets and goals and gets them started down their path to success. I think I would prefer to be a fee based CFP even though I may not make as much money in comparison. I am not in it for the money; I am in it to help better peoples lives.

Dear hiring committee,

I would like to apply for your job opening as Administrative assistant 2. For almost 5 years I was in charge of starting up a company in cedar city. As a lead technician it was my job to research available materials and test them to make sure the products would be able to pass our rigorous testing and high quality standards. Afterwards, I worked with the specific vendors to negotiate costs, and outline shipping requirements. I also handled pricing, billing and invoices as well. I have strong experience working in customer relations as it has been my responsibility to market the company at tradeshows, and communicate with Project Managers from major companies to define schedules and expectations. I have also worked with homeowners to ensure that the work performed for them met their expectations. I have also supervised installations at local grocery stores. I managed 2-4 install sites with a wide variety of projects, and multiple people per location. I worked well with the clients in order to meet hard deadlines and resolve any issues that may have arisen. My previous work experience qualifies me to be a good candidate for the Administrative assistant 2 position. I believe that my experience will be a great contribution to your department. Thank you for taking the time to review my resume, and hope to hear from you soon. Sincerely,

Michael Morrow 801-647-4871 Tomorrow906@yahoo.com

P.O. Box 875 West Jordan, UT 84084 Tomorrow906@yahoo.com

Michael Morrow
Objective Experience To utilize my skills and experiences to help the company grow 2003-2007, 2010LDS Print Division SLC, UT Journeyman Operator Oversee the quality and production of work assigned. Assign tasks to complete work to a team of 3-12 people. Assess mechanical issues with machinery and fix when possible. Work with management and other departments as needed to resolve issues. Resolved a 10 year old quality issue with a machine in 6 months. Analyzed and prioritized issues with machines and schedule. 2007-2010 Metro Repair Cedar City, Utah

Lead Technician Oversee and assign daily tasks. Tradeshows and product demonstrations. Sales. Product research, purchasing, and invoicing. Handled customer/client relations. Was part of Chambers of Commerce in Cedar City. 2007-2010 Decorworx Cedar City, Utah

Production lead Assigned daily tasks to meet deadlines. Managed in town and out of town installations. Organized inventory to increase productivity. Worked with vendors to reduce cost of materials. Worked with customers Project Managers to meet deadlines on installs. Education Interests References I will obtain my Associates degree in the fall of 2016. Learning and applying new ideas and techniques make processes more efficient. References will be made available upon request.

REFERENCES FOR
MIKE MORROW
Steve Hillock
Group Manager LDS Printing Division 1850 w. Industrial way SLC, Utah, 84123 801-240-5300

David Sweat
Supervisor LDS Printing Division 1850 w. Industrial way SLC, Utah, 84123 801-240-5300

Shane Hopkins
Graphic Design Supervisor Browning Morgan Utah, 84138 435-590-3233