Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Tammy Higgins

Plymouth,MN

Summary

Enthusiastic financial services professional highly effective at working with clients of all levels and backgrounds. Friendly and personable with adaptable approach. Exceptional knowledge in wealth management, estate planning and investment.

Overview

27
27
years of professional experience
1
1
Certification

Work History

Senior Vice President Financial Advisor

RBC Wealth Management
09.2015 - 11.2022
  • Met with clients to discuss assets, expenses, and long-term and short-term investment goals to devise personalized financial plans.
  • Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
  • Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
  • Developed comprehensive retirement planning strategies to help clients maximize retirement savings.
  • Cultivated and strengthened relationships with new clients and educated clients on account services and capabilities.
  • Educated clients on various financial matters and provided professional recommendations on investment opportunities, products and services based on individual needs.
  • Provided specialized financial planning support for clients with diverse portfolios and individual needs.
  • Helped individuals and families build and execute wealth management strategies based on unique goals and objectives.
  • Facilitated new client onboarding process and investment account setup.
  • Worked with clients to support understanding of rationale and details of financial strategies.
  • Facilitated presentation and recommendation of services by optimizing client relationships.
  • Assisted clients with preparing financial plans, conducting investment research, and completing trades and transactions to assess and meet financial goals.
  • Assisted clients with estate planning to organize distribution of assets based on client wishes.
  • Analyzed financial needs of clients and developed tailored strategies to meet goals.
  • Helped clients make informed decisions about financial future.
  • Presented financial plans and investment recommendations to clients.
  • Advised clients on investments, retirement and estate planning.
  • Monitored and updated financial plans to comply with client goals.
  • Developed and maintained strong relationships with clients to maximize satisfaction.
  • Recommended specific investments to help clients meet financial goals.
  • Educated clients on financial topics and best practices.
  • Devised comprehensive financial plans for clients to achieve short and long-term financial goals.
  • Educated clients on potential risks and rewards associated with various investments.
  • Researched and evaluated potential investment products for clients.
  • Collaborated with clients to develop customized investment portfolios.

Branch Service Manager

RBC Wealth Management
09.2012 - 09.2015
  • Delivered quality service with remarkable efficiency by skillfully overseeing daily branch operations.
  • Coached staff to improve efficiency with more effective procedures and approaches.
  • Trained staff in operations procedures.
  • Supported branch director with special projects and additional job duties.
  • Managed and motivated employees to be productive and engaged in work.
  • Maintained professional, organized, and safe environment for employees and clients.
  • Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
  • Maximized performance by monitoring daily activities and mentoring team members.
  • Onboarded new employees with training and new hire documentation.
  • Evaluated employee performance and conveyed constructive feedback to improve skills.
  • Established performance goals for employees and provided feedback on methods for reaching those milestones.
  • Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
  • Supervised day-to-day operations to meet performance, quality and service expectations.
  • Cultivated positive rapport with fellow employees to boost company morale and promote employee retention.
  • Mentored team members to enhance professional development and accountability in workplace.
  • Assessed employee performance and developed improvement plans.
  • Maintained positive client relations by addressing problems head-on and implementing successful corrective actions.
  • Directed initiatives to improve work environment, company culture or overall business strategy.
  • Exhibited high energy and professionalism when dealing with clients and staff.

Senior Investment Associate

RBC Wealth Management
10.2008 - 09.2015
  • Cultivated client relationships through high levels of direct communication to maintain customer loyalty.
  • Monitored, managed and developed investment portfolios.
  • Compiled meeting notes, reviewed after client meetings and entered tasks into CRM while ensuring tasks where assigned to the correct team members.
  • Created and maintained marketing material.
  • Planned client appreciation events.
  • Processed business expenses.
  • Provided financial planning support and relationship management.
  • Delivered advice in client meetings.
  • Completed action items related to client follow-ups.

Senior Registered Client Associate

RBC Wealth Management
09.2007 - 10.2008
  • Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
  • Facilitated new client onboarding process and investment account setup.
  • Assisted brokers and advisors with servicing clients by preparing financial plans, conducting investment research and completing trades and transactions.
  • Processed and verified all new account applications and documents.
  • Prepared reports and other materials for client reviews.
  • Maintained all paper and electronic files.
  • Maintained CRM with client notes.
  • Managed client service requests and account maintenance.
  • Educated clients on account services and capabilities.
  • Scheduled client meetings.

Insurance Agent

Country Financial Insurance
05.2005 - 10.2006
  • Built relationships with clients using active listening and issue resolution to provide excellent service.
  • Responded to customer calls swiftly to resolve issues and answer questions.
  • Maintained high standards of customer service by building relationships with clients.
  • Prepared and reviewed insurance applications to verify compliance with regulations.
  • Determined client needs and financial situations by listening and scheduling fact-finding appointments.
  • Monitored changes in insurance industry to stay compliant with relevant laws and regulations.
  • Approached potential clients by using direct marketing mailings and phone contacts.
  • Investigated and processed claims swiftly to keep customers satisfied.
  • Utilized CRM software to manage client relationships.
  • Educated clients on insurance policies and procedures.
  • Analyzed customer needs to provide customized insurance solutions.
  • Met with customers to provide information about available products and policies.
  • Generated leads through cold-calling, networking and other outreach methods.
  • Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals.
  • Analyzed risk factors to recommend appropriate coverage levels.

Financial Advisor Trainee

Edward Jones
08.2004 - 03.2005
  • Studied and successfully passed exams


Manager

The Buckle
09.1995 - 04.2004
  • Managed and motivated employees to be productive and engaged in work.
  • Accomplished multiple tasks within established timeframes.
  • Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
  • Maximized performance by monitoring daily activities and mentoring team members.
  • Onboarded new employees with training and new hire documentation.
  • Developed and implemented business strategies to achieve business goals and stay competitive.
  • Maintained professional demeanor by staying calm when addressing unhappy or angry customers.
  • Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success.
  • Established team priorities, maintained schedules and monitored performance.
  • Evaluated employee performance and conveyed constructive feedback to improve skills.
  • Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
  • Established performance goals for employees and provided feedback on methods for reaching those milestones.
  • Cultivated positive rapport with fellow employees to boost company morale and promote employee retention.

Education

Bachelor of Science - Business

University of Phoenix
Phoenix, AZ
07.2014

Skills

  • Time Management
  • Financial Management
  • Critical Thinking
  • Coaching and Mentoring
  • Verbal and Written Communication
  • Microsoft Excel
  • Portfolio Management
  • Judgment and Decision-Making
  • Performance Monitoring
  • Mentoring
  • Relationship and Team-Building
  • Microsoft Office

Certification

  • Licensed Series 7, 65, 63 and insurance

Timeline

Senior Vice President Financial Advisor

RBC Wealth Management
09.2015 - 11.2022

Branch Service Manager

RBC Wealth Management
09.2012 - 09.2015

Senior Investment Associate

RBC Wealth Management
10.2008 - 09.2015

Senior Registered Client Associate

RBC Wealth Management
09.2007 - 10.2008

Insurance Agent

Country Financial Insurance
05.2005 - 10.2006

Financial Advisor Trainee

Edward Jones
08.2004 - 03.2005

Manager

The Buckle
09.1995 - 04.2004

Bachelor of Science - Business

University of Phoenix

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Tammy Higgins