Joshua Duguay
Bathurst,New Brunswick
Summary
Bilingual in French and English with excellent written and oral communication skills. Developed high-level presentation skills through school and business presentations. Prepared and analyzed budgets, adjusting spending or savings habits based on results. Made product suggestions accordingly. Strong knowledge and understanding of financial statements. Collected, assessed, and analyzed data to identify sales trends. Created proper savings plans adhering to 'know your client' standards. Expertise extends to various types of funds including safety, conservative, growth, segregated funds, and mutual funds. Experienced in calculating present and future returns to estimate clients' potential ROI. Well-versed in utilizing multiple savings/investment planning applications and calculators for different types of accounts such as RRSP, TFSA, RESP, FHSA, LIRA, RRIF, pension plans, etc. Strong background in underwriting and application process of insurance policies. Analyzed group benefits plans to suggest individual policies covering clients' remaining needs. Calculated income replacement for disability or premature death. Knowledgeable about pros and cons of mortgage insurance with banks versus underwriting insurers. Created and implemented multiple insurance plans tailored to clients' goals and needs. Skilled in overcoming customer objections from insurance and sales roles. Proficient in Microsoft Office (Excel, Word, Outlook, Teams) and experienced with CRM tools like Salesforce.
Overview
8
8
years of professional experience
Work History
Associate Financial Advisor/Mutual Funds Specialist
Co-operators
04.2024 - Current
- Similar duties to previous positions with following added task :
- Insurance sales and planning
- Saving/investment plans with the options of segregated or mutual funds
- Estate and business planning
Financial Security Advisor
iA Financial Group
11.2023 - 03.2024
- Prospecting and soliciting new business to grow portfolio of clients
- Clients financial analysis to determine insurance needs accompanied by a proper savings plan
- Suggesting and managing investments in a wide array of accounts such as RRSP, TFSA, RESP, etc
- Suggesting, selling, and applying for a wide array of insurance products
- Independently managed scheduling, managing client relationships, applying for insurance, signing contracts, and managing documentation
- Creating financial plans utilizing a diverse array of financial tools such as estimating investment revenue, retirement revenue, and potential tax savings etc
- Informing clients on the importance of estate planning: Impacts of different debts, tax implications, insurance proceeds, distribution of certain assets, etc.
Salesman/Finance/Administrative work
Roulottes Acadie Trailers
Beresford, NB
05.2016 - 01.2023
- Managed, calculated, and recorded daily sales transactions
- Assisted customers in filling out finance applications for acquisitions
- Salesman for parts and recreational vehicles
- Handled social media management responsibilities
- Customer service: ensured customer satisfaction before, during, and after purchases
- Managing and training employee’s
Education
Mutual Fund Certification - Finance
Canadian Investment Funds Course
IFSE Institute05.2024
LLQP Certification - Financial Services And Insurance
Life License Qualification Program (Certification)
Financial and Consumer Services Commission11.2023
Bachelor of Commerce (Business) - Finance
University of Ottawa - Telfer School of Management
Ottawa, ON04.2023
Skills
- Investment advice
- Relationship building and management
- Sales expertise
- Retirement planning
- Sales and Marketing
- Client Relations
- Stock market understanding
- Wealth Management
- Asset Allocation
- Insurance Planning
- Retirement needs
- Insurance sales
- Budget Compliance
- Financial Services
- Budgeting advice
- Investment planning
- Mutual funds
- Financial Planning
- Estate Planning
- Business Succession Planning
- Lead Generation
- Client Needs Assessment
- Analytical Thinking
- Critical Thinking
- Attention to Detail
- Customer Referrals
- Know Your Customer
- Microsoft Excel
- Honest and Dependable
- Salesforce
- Strong sales skills
- Sales Closing Techniques
- Customer service and assistance
- Problem-Solving
- Computer Skills
- Organizational Skills
- Active Listening
- General accounting
Languages
English
Native or Bilingual
French
Native or Bilingual
Other Information
Punctual, with a great personality; dependable and flexible.
Always seeking ways to improve and I am also a quick learner.
Willing and able to work independently but also a great member of a team.
Awards
- Entrance scholarship - uOttawa
- Merit Scholarship for academic excellence - uOttawa
- Member of the Dean's Honors List - uOttawa
- Graduated with honors (Magna Cum Laude) – uOttawa
- Rookie of the Year - École Secondaire Nepisiguit
References
Names, numbers and reference letters can be provided upon request
Extracurricular Activities
Andrews Hockey Growth Programs – Showcase member Midget AAA Minor – Hockey player Hometown fundraiser – Volunteer
Timeline
Associate Financial Advisor/Mutual Funds Specialist
Co-operators
04.2024 - Current
Financial Security Advisor
iA Financial Group
11.2023 - 03.2024
Salesman/Finance/Administrative work
Roulottes Acadie Trailers
05.2016 - 01.2023
Mutual Fund Certification - Finance
Canadian Investment Funds Course
LLQP Certification - Financial Services And Insurance
Life License Qualification Program (Certification)
Bachelor of Commerce (Business) - Finance
University of Ottawa - Telfer School of Management