Summary
Work History
Education
Skills
Hobbies and Interests
SalesManager
Efrain Toro

Efrain Toro

Financial Advisor
Aventura,FL

Summary

Motivated financial professional with outstanding relationship-building and retention skills. Driven to exceed expectations and operate efficiently through repeatable processes and due diligence. Self-motivated team player adept at cultivating partnerships and building lasting relationships across all demographics, management levels, as well as working with clients of all backgrounds and proficiencies. Personable with an adaptable approach with 12 years of experience in financial services, 8 of them as an advisor.

Series 6, 63, 65 & 7

Insurance; Life & Health, Prop & Casualty

Work History

Financial Advisor

Suncoast Investments Services-LPL Financial
Miami/Naples, FL
03.2021 - Current
  • Offer and deliver Comprehensive Planning through in depth data gathering and risk assessment
  • Design investment and income strategies through the use of Insurance Products, Mutual Funds/ETF's/Trading, Managed Portfolios, Life Insurance and Long-Term Care
  • Financial literacy and educating the client is a passion that turns into long lasting relationships. When the client understands the process and feels comfortable is how I build my referral network.
  • Use technology based financial planning tools in order to create a path tailored the client's immediate and macro needs.

Retirement Plan Consultant

Suncoast Investments Services-LPL Financial
Tampa/Miami/Naples/Fort Myers, Florida
01.2018 - Current
  • Manage territories in Tampa and Miami school districts and colleges
  • Duties Included marketing strategies to present and promote the SCU 403b/457 Plans
  • Consult with Members on the benefits of a Retirement Planning outside the State Pension Plan.
  • Educate on the pro and cons of Pre-tax or Roth contributions,
  • Enroll in the plans and advise on investment options,
  • Conduct regular reviews
  • Retirement Readiness to develop a seamless transition into retirement with lasting income strategy

Senior Associate

JPB & Associates
Tampa, FL
2016.02 - 2018.01
  • Manage a book of business as well as assisted other advisors in training, prospecting, selling Life Insurance, Long Term Care, Disability and Fixed/Indexed Annuities
  • Unfortunately they never became registered and I couldn't be the advisor I wanted to be without securities

Financial Representative

AIG Financial Network
Tampa/Bay
01.2015 - 02.2016
  • Prospected, presented and serviced accounts as well as sold Life Insurance and Fixed Annuity Products
  • I managed a book of business and scheduled yearly reviews whereby opportunities arose to improve and maximize client's portfolio and retirement needs
  • AIG eliminated the Financial Representatives in January of 2016 and the management team reorganized and became JPB & Associates which I joined as a partner later that year

Agent

American Senior Benefits
Tampa/Bay
09.2014 - 01.2015
  • Sold Medicare Supplements and Advantage Products as well as annuities and life insurance products

Agent

New York Life
Atlanta
09.2013 - 09.2014
  • I worked as an Agent, prospecting, writing and servicing clients with Life Insurance and Financial Products
  • Primarily working in multicultural markets and diversity initiatives

Agent

Nationwide P&C
Atlanta, GA
01.2013 - 09.2013
  • I Prospected, sold and serviced Property, Casualty and Life Insurance products to Individuals as well as commercial entities
  • Primarily through individual consultations and follow up

Agent

GEICO P&C
Atlanta
01.2011 - 12.2012
  • I worked as an agent prospecting and assisting clients in their purchase of Property and Casualty Insurance, which included private consultations and proposals followed by writing and placing insurance policies

Sales & Marketing Director

Ace Services
Atlanta, GA
05.2000 - 01.2010
  • Prospected and developed a market where there was not one
  • I grew a start-up operation and tripled the revenue with a year and beyond.
  • My duties included, Strategizing and Developing Marketing Campaigns, Account Acquisitions and Ancillary Services
  • The client were Claims Managers, Adjusters and Case Mangers of Workman's Compensation Carriers, who would contract Ace to Manage the Rehab process of injured workers
  • I oversaw a network of interpreters and rehab providers Nationwide
  • The industry was dependent on the construction industry and between 2007 and 2009 the recession took its toll and ACE Services closed shop in 2010

Education

Graduate Studies - MEd

University of Miami
Miami
01.1992

Bachelor of Arts - Political Science

Florida International University
Miami, FL
01.1986

Skills

  • Bilingual: English/Spanish
  • Financial Planning Tools and CRM's
  • Presenter: Webinars & Seminars

Hobbies and Interests

  • Art (paint)
  • Cycling
  • Swimming
  • Streaming
  • Cooking
  • Meditation

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Efrain ToroFinancial Advisor