Career PortfolioNicholas Schummer

Northwood UniversityCareer Development

Introduction…………………………………….. 3

Goals……………………………………………… 4

Career…………………………………………….. 5

Resume…………………………………………… 6 Letters of Recommendation………………… .7 Work Examples

◦ Spread Sheets…………………………………………….8-9◦ Writing……………………………………………………..10-11◦ Power Points……………………………………………...12-14

Table of Contents

This presentation shows my accomplishments and past work for my college career.

This presentation also shows my goals of where I want my career to go after college.

Introduction

Obtain a job in financial services industry

Grow my client base and have my name recognized in the community

Partner with a local charity to give back to my community

Eventually open up my own financial planning office

Goals

Financial Representative

Nicholas Schummer (248) 802-7776 | Schummern@northwood.edu

4902 Butterfield Dr. | Midland, MI 48642 LICENSE

Life, Accident & Health License February 2012-Present Series 6 &63 Securities License March 2013- Present Variables Producer License March 2013-Present EDUCATION

Northwood University – Midland MI Bachelor of Business Administration – Finance May 2014 Cumulative GPA: 3.93/4.0 President’s List: All 5 terms Scholarships: Northwood University Freedom Scholarship awarded on academic merit, Business Professional of America Scholarship, Private Donor Scholarship

PROFESSIONAL EXPERIENCE

Northwestern Mutual Financial Network – Grand Blanc, MI 2012-Present Financial Representative Intern

Demonstrate professionalism with strong communication, interpersonal and sales skills to develop and maintain client base for life, disability, long-term care insurance and annuities

Currently manage over 20 clients and have written over $10M of face value insurance Independently operate all aspects of my commission-based business while adhering to strict

corporate, state and federal regulations for insurance and investment sales ADDITIONAL EXPERIENCE

Alden B. Dow Center for Creativity & Enterprise – Midland, MI 2011-Present Administrative Assistant

Manage and execute all aspects of ABDCCE-sponsored events; Business Pitch Competition, Global Entrepreneurship Week and guest speaker events

Conduct extensive research for a variety of projects and activities to enhance learning opportunities for constituents and expose Northwood University on a global scale

Reconcile monthly expense report for Director Utilize effective time management skills while balancing two jobs, full-time college courses,

leadership and volunteer activities while maintaining a strong GPA LEADERSHIP

Northwood University Finance Association 2011-Present

Kappa Sigma Fraternity 2010-Present Founding Father of the Northwood University Kappa Sigma – Sigma Zeta Chapter

Business Professionals of America 2009-Present

1st Place, State Competition – Small Business Management - 2012 1st Place, State Competition – Small Business Management - 2013

VOLUNTEER

Youth basketball camp, Dow Corning Tennis Classic, Big Brothers Big Sisters, Circle K, American Red Cross, Global Entrepreneurship Week, Camp Centaur, Northwood University Auto Show

Recommendation Letter

To Whom It May Concern: February 12, 2013

Please accept this letter as my personal letter of recommendation for Nick Schummer.

As the Director of the Alden B. Dow Center for Creativity & Enterprise, Nick currently works under

my direction to advance campus initiatives in entrepreneurship, family enterprise, creativity &

innovation and new business development. Nick works as part of a student team of six individuals

who cover the administration of everything from planning and actualizing events to handling all

communication and public relations for the ABDCCE.

As a part of the team, Nick is in charge of event planning, entrepreneurial finance

professional guest panels, and research related to family enterprise and entrepreneurship. He

recently has assisted me in developing a model for a student mock investment portfolio competition

and has been an integral part of the development of the Build the Business competition.

As I have worked with him, I am convinced that Nick is an outstanding performer. The most

revealing qualities that I can point out are the following:

Nick has great organizational skills. He is able to take complex direction, often where the

process has yet to be developed completely and run with it. He is flexible, open to change

and embraces challenges.

Nick is a person who asks good questions, is a great communicator and follows up

consistently. He is friendly, engaging and has a great sense of humor, yet is professional

and inclined to assume serious commitment and leadership with appointed objectives.

Sincerely,

Georgia A. Abbott, MBA

Director, The Alden B. Dow Center for Creativity & Enterprise

Northwood University

Class works-Spreadsheets

YearEnding value of

Portfolio Cash Distributed Return Growth Return from Dividends Shares

New Shares

Value of Portfolio

$ 10.00 1000 100 1,000.00$ 1 10.50$ 0.30$ 12% 8% 1,030.00$ 198.10 98.10 2,080.00$ 2 12.00$ 1.00$ 17% 24% 1,198.10$ 297.94 99.84 3,575.24$ 3 11.25$ 0.50$ 2% -2% 1,148.97$ 400.07 102.13 4,500.75$ 4 12.50$ 1.00$ -3% 20% 1,400.07$ 512.07 112.01 6,400.90$ 5 14.00$ 1.25$ 14% 22% 640.09$ 557.79 45.72 7,809.10$

Spread Sheets

Loan Amount $100,000.00

Annual Interest Rate 3.00%

Loan Period in Years 30

Number of Payments Per Year 12

First Payment Date 1/1/2013

Month Date Beginning Loan Balance Monthly Payment Interest Principal Ending balance1 1/1/2013 $100,000.00 $421.60 $250.00 $171.60 $99,828.402 2/1/2013 $99,828.40 $421.60 $249.57 $172.03 $99,656.363 3/1/2013 $99,656.36 $421.60 $249.14 $172.46 $99,483.904 4/1/2013 $99,483.90 $421.60 $248.71 $172.89 $99,311.015 5/1/2013 $99,311.01 $421.60 $248.28 $173.33 $99,137.686 6/1/2013 $99,137.68 $421.60 $247.84 $173.76 $98,963.927 7/1/2013 $98,963.92 $421.60 $247.41 $174.19 $98,789.728 8/1/2013 $98,789.72 $421.60 $246.97 $174.63 $98,615.10

Class works-Essay’s

How can someone sleep at night when they know they have violated an ethical matter

and taken advantage of an individual or family? Ethics has plagued many industries, but

none more in the news lately than the finance profession. A root of the issues causing

these terrible acts is companies who pay their employees commissions based on the

business they complete. Few people these days follow the idea that a client’s needs

should come before the agents at all time. Instead, the past as showed that agents

needs or wants often come before that of a client, and sometimes, recommendations

made to clients are not suitable to them, but put more money in the agent’s pocket.

Earning commissions can be a very awarding thing, but very manipulative at the same

time. When someone’s income is based on commissions, it can lead them to take

advantage of clients that will earn them more money. Companies that pay their

employees off of commissions should move away from this system and try to

incorporate compensation on a salary basis.

Essay’s Enlightenment music vs. Romantic music

Ever since music has been around, it has had the power to inspire people,

transform people, and give people an escape from the real world. Music has changed

dramatically from its origin to what it is today. Music ranges from rap to country all the

way to scream-o and back to opera. Everyone can make a connection to some genre of

music as there are so many different types for each different person. Let’s go back to

when music began involving and growing in wide popularity. Let’s look at music from the

Enlightenment period and compare it to that of Romantic times.

First, let’s take a look at the Enlightenment period. “The Enlightenment period

marked the divide between the medieval view of the world as dominated by religion and

the principles of religious faith, and the modern view of the world as governed by

science and the principles of human reason” (Fiero, 2009). This time in history is said to

take place between 1650-1800 A.D. The Enlightenment period is also sometimes called

the Age of Reason and this period took inspiration from the Scientific Revolution. Also,

the people and culture of the Enlightenment period sought to get back to the values of

the Greco-Roman culture.