Garth Bernard

About Garth Bernard

Consulting on retirement income sales process, products, solutions, marketing and strategy.I developed four inventions in the retirement income space:(1) an immediate variable annuity with full liquidity (100% access);(2) a restructred GLWB with rider fee under 35 bps;(3) a portfolio distribution method that adjusts for life expectancy without using annuities;(4) a GLWB with tax exclusion treatment for non-qualified funds.I created a web-based sales platform for combining income annuities and investments into compelling retirement income solutions. The program is available nationwide. See Thrive Retirement Income Solution presentation and Thrive Income website on my profile.I built compelling FINRA reviewed calculators for engaging and educating consumers about financial basics, retirement risks, retirement readiness and retirement income solutions. See RISE website on my profile.I\'ve developed corporate strategies for retirement markets.I\'ve trained advisors on effective retirement income solutions as well as on all annuity products.I\'ve managed annuity product lines including income annuities, fixed annuities, MVA annuities, variable annuities, fixed index annuities. Sales of my most recently developed products have exceed $10 Billion.Specialties: Financial literacy, sales tools and platforms for retirement income solutions, retirement income product management, income annuities, marketing, interactive sales literature, asset liability management, risk management, non-traditional solutions, independent analysis, turning Excel spreadsheets into user-friendly tools that can be imbedded in PDF, PPT and HTML(web sites)

Experience

1. Devoted User

   Google

   Jan 2008 — Present

   Deployment of all Google tools on computer and android platforms to increase productivity and quality of work output.

Education

• University of Toronto - University College

  BSc, Actuarial Science

  1978 — 1981

• University of Waterloo

  MMath, Mathematics

  1981 — 1982

Skills

• Insurance
• Marketing Strategy
• Financial Services
• Project Planning
• Investments
• Product Management
• Tax
• Marketing
• Fixed Annuities
• Portfolio Management
• Selling
• Start-Ups
• Strategic Planning
• Indexed Annuities
• Financial Advisory
• Variable Annuities
• Investment Advisory
• Sales
• Financial Planning
• Actuarial Science
• Training
• Product Development
• Analysis
• Consulting
• Mutual Funds
• Risk Management
• Public Speaking
• Entrepreneurship
• Life Insurance
• Finance
• Sales Process
• Retirement Planning
• Finra
• Business Strategy
• Microsoft Excel
• Business Planning
• Financial Education
• Access
• Investment Strategies
• Retirement