D. Marie Scharnagl

· Corporate Benefits Professional with 15 years experience advising HR Leaders and C-Suite Executives on Group Medical, Dental, Vision, 401K, 403B, HSA/FSA, Payroll, HR technology, life insurance, voluntary Benefits and Medicare Plans. Partnering with the Director of Benefits to lead the strategy and administration for company-wide, multi state and site employee Health and Retirement Benefit Plans.

· Support annual benefits enrollment process including working with vendors/brokers to managing employee communications, presenting applicable benefit plans to employees, gathering and analyzing data and preparing recommendations. Provide recommendations on current and potential programs to make the benefit package more competitive

· Strong organizational skills to ensure vendors are administering programs accurately and adhering to contractual obligations including PEO's and outsourced contractors.

· Assist with other HR Programs such as Wellness, Short-term Disability, Long-term Disability, Worker's Comp, Unemployment Claims, COBRA, Leave of Absence and Open Enrollment.

· Strong knowledge of government regulations and compliance as they apply to all benefit platforms. Consistent review of compliance of ERISA, ACA, HIPPAA.

• Provided comprehensive financial advice on retirement planning, estate planning, tax strategies, insurance coverage and other areas of personal finance.
• Prepared presentations for prospective investors explaining features of different investments offered by the firm.
• Communicated with existing and prospective clients to identify financial goals and provide recommendations on investment solutions.
• Identified potential investments and opportunities for clients according to their individual needs.
• Counseled clients on financial matters and provided recommendations on investment opportunities, products and services based on client needs and asset availability.
• Implemented financial plans and insurance strategies specifically tailored to client's financial goals.
• Reviewed clients' accounts and plans regularly to determine need for plan reassessment.
• Interviewed clients to assess income, expenses, insurance coverage, tax status, financial and investment goals and risk tolerance.

• Developed and expanded financial planning relationships with customers through loyal and dedicated service.
• Researched economic trends and market conditions to provide up-to-date information on investment options available to clients.
• Facilitated client meetings to discuss portfolio performance and suggest modifications as needed.
• Analyzed wills, insurance policies and corporate contracts for potential financial risks and opportunities for improvement.
• Implemented financial plans and insurance strategies specifically tailored to client's financial goals.
• Profiled and analyzed investment products to devise financial strategies, meeting client financial needs and forecasting opportunities with highest return on investments.

• Prepared presentations on portfolio performance, strategy analysis, and risk management for clients.
• Presented information regarding investment opportunities at conferences and seminars.
• Advised high net worth individuals on complex wealth management issues related to trusts, estates, asset protection planning, philanthropy.

• Developed and deepened relationships with new and existing clients to advance progress and improve business.
• Conducted detailed analysis of clients' current financial situation, including risk assessment, cash flow management, and retirement planning.
• Articulated value of stocks, bonds and mutual funds and educated clients on benefits of each.
• Strengthened client relationships by conducting routine portfolio reviews to measure plan success.