Robert H. Horstman
Norwest Bank Minnesota (currently Wells Fargo)
Manager, Personal Tax & Planning
Designed and implemented the financial planning product and delivery method for Norwest. Piloted an individual tax department, which in the first year completed over 200 tax returns, utilizing 6 tax preparers. Achieved revenues 20% over budget. Increased client retention by 8% through excellent client relationships and quality services. Reduced operating expenses 15% through detailed cost control and budget management.
PlanNow Personal Financial Planning
Started a fee-only financial planning practice. The successful design and implementation of this system can be attested to by Norwest Bank's institution of it as the core of their financial planning product.
Schweitzer Rubin Gottlieb & Karon
Personal Financial Planning Coordinator: Instituted a new fee-only personal financial planning department.
Institutional Fixed Income Sales: Developed the market and sold a new product for municipal investors.
I. D. S. (currently American Express Financial Services)
As a Registered Representative, consistently achieved the top 10% of the sales force.