NICHOLAS J.

RUGGERI, CPA, PFS, CFP, CLU 12949 Royal George Ave Odessa, Florida 33556 (727) 517-5264 nr15b2cd8@westpost.net SENIOR MANAGEMENT EXECUTIVE Financial Analysis * Benefits Planning & Leadership * Fiscal Control CERTIFIED PUBLIC ACCOUNTANT (CPA) | PERSONAL FINANCIAL SPECIALIST (PFP) CERTIFIED FINANCIAL PLANNER (CFP) | CHARTERED LIFE UNDERWRITER (CLU) Highly seasoned and results-oriented professional with exemplary record leading investment and financial analysis / planning operations within commanding, highgrowth organizations. Rich mix of accounting, operations, and technical expertis e complement advanced education and pertinent industry certifications. Combine C -Level experience with a keen business acuity and entrepreneurial spirit that co ntribute to meeting the goals of key stakeholders and produce strong, substantiv e results. Respond to operational and financial challenges with confidence, dete rmination, integrity, and focus. Areas of Expertise * Strategic Planning & Forecasting * Benefit & Tax Research & Modeling * Business Development & Sales * Cost Avoidance & Reduction * Regulatory Compliance Issues * Accounting Oversight & Fiscal Control * Multiple Project Management * Operations Leadership & Best Practices * Process Engineering & Performance Metrics * Analysis, Interpretations & Conclusions * Financial Technology & Implementation * Critical Thinker & Problem Solver PROFESSIONAL EXPERIENCE NJR INVESTMENT ADVISORY, Tampa, FL * 2001 to January 2011 President C-level executive accountable for bottom-line directives of a corporate investme nt firm. Provide corporate and individual consulting in the areas of financial a nd market analysis / planning, investment advisory services, and tax planning / management assistance. Lead strategic / business planning, forecasting, busines s development, marketing, fiscal control, for both the corporation and client as well as client relationship management. Built company from ground-up by leveraging a keen business sense, experience, h igh-level education, and industry-recognized certifications. Grew account base 100% per year of business while simultaneously cutting unnece ssary expenditures 50%. Developed and implemented all corporate polices, procedures, processes, and cli ent acquisition strategies. Increased business alliances and revenues by forging partnerships with local CP A firms. Succeeded in meeting product sales and revenue generation benchmarks required f or company participation in six annual conventions investment conferences. Partner in the CPA firm of Michael Crabtree and Co CPAs, delegating and supervi sing daily activities of 15 staff members.

Nicholas J. Ruggeri, CPA, PFP, CFP, CLU Page Two AEGON, NV, St. Petersburg, FL * 1994 to 2001 Director of CPA Relations Established a record of promotions and increased responsibility for a world-lead ing provider of life insurance, pensions, and long-term savings / investment pro ducts with more than 40 million customers throughout 20+ countries. Establish financial planning in CPA offices. Spoke at the National Association of Tax Preparers conference as well as other national and local events involvin

g CPAs . Masterminded and implemented a highly successfully CPA marketing program that w as adopted company-wide and remains in place today. Director of Qualified Plans Led daily operational directives for the Qualified Plan Division including sales , product management, operational systems / processes, technical advice, and CPA marketing initiatives. Taught advanced marketing classes to nations top regis tered representatives. Director of Sales and Marketing Handled marketing of entire west coast of unities states for marketing financial services. Taught classes on working with company financial statements and tax returns to identify financial service opportunities to top registered representa tives. Exceeded all sales targets and qualified for 100% of bonus on a quarterly basis for 8 straight quarters. Created (and primary speaker) publicized video o n one of the companys most key products. Recognized for acquiring 100% of departmental sales activity and opening new di stribution channels to enhance profitability. Served as company representative in facilitating formal presentations on compan y products and services, as well as State-level accountancy association continui ng education classes. FORMAL EDUCATION & CERTIFICATIONS UNIVERSITY OF SOUTH FLORIDA * Tampa, FL Bachelor of Science Degree in Finance (1994) Bachelor of Science Degree in Accounting (1992) College for Financial Planning Denver, Colorado PROFESSIONAL AFFILIATIONS & MEMBERSHIPS AMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS (AICPA) FLORIDA INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS (FICPA) FINANCIAL PLANNING ASSOCIATION (FPA) ~ Excellent Personal & Professional References Furnished Upon Request ~