K Catherine Pate

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·Provide personal, individualized financial counseling directly to Service Member clients and their families; 85% of clientele return for ongoing financial counseling.

• Identify immediate and long-range measures to increase income, reduce household expenditures, and avoid additional financial burdens.
• Provide financial planning counseling to reduce, eliminate, and avoid debt and achieve financial goals.
• Teach Service Members (and their families) money management techniques to encourage them to live within their means.
• Educate Service Members in understanding credit, finance charges, interest rates, and the implications of only paying the minimum amount each month.
• Instruct military families on the importance of maintaining excellent credit histories and ratings.
• Help Service Members with establishing, monitoring, and protecting their credit.
• Teach Service Members to make informed decisions and to be aware of associated costs such as insurance, maintenance, fuel costs, etc.
• Train and counsel Service Members - about their retirement systems and providing financial models to assist them in establishing a comprehensive retirement plan.
• Assist Service Members and their families in learning how to save for emergencies, unanticipated contingencies, and both short and long-term goals.
• Support and refer individuals and families to help address specific needs, including the provision of appropriate resources at Army Community Services or within the community.

• Worked with the economically vulnerable including the un-banked or under banked, Senior Citizens, Students and Veterans.
• Conducted individual sessions which required the use of open-ended questions to the determine the values and relationships to money in order to set financial goals.
• Determined and evaluated customer objectives and current financial situations in order to set the client up for success by recommending best possible strategies to achieve goals based upon their values.
• Developed and expanded financial planning relationships with customers through loyal and dedicated service.
• Interviewed clients to determine income, expenses, financial objectives and risk tolerance in order to develop successful financial plans.
• Provided ethical, objective and holistic financial planning advice to clients.
• Answered clients' questions regarding details of financial plans and strategies and explained data in easy-to-understand terms.
• Acted a consumer advocate when necessary.

• Maintained company confidence and protected business operations by keeping sensitive information confidential.
• Opened, read and replied to e-mails, letters and correspondence on behalf of the CEO.
• Scheduled and arranged travel and hotel reservations for meetings, conferences and seminars.
• Tackled and addressed top-level, high-priority issues with professional administrative discretion.
• Assisted in preparing bids.
• Developed and maintained financial spreadsheets for company investment portfolio, as well as retired owner. Compiled rates of return on portfolios valued over $30M and $2.5M, respectfully.
• Obtained signatures for financial documents and internal and external invoices.

• Delivered outstanding service to clients to maintain and extend relationship for future business opportunities.
• Liaised with customers, management, and sales team to better understand customer needs and recommend appropriate solutions.

• Interviewed clients to determine current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance and other information needed to develop financial plan.
• Provided specialized financial planning support for clients with diverse portfolios and individual needs.
• Monitored and updated financial plans to comply with client goals.
• Developed and maintained strong relationships with clients to maximize satisfaction.
• Established and deepened existing client relationships through complex financial planning.