The document discusses Nicholas Schummer's career development presentation. The presentation includes sections on goals, career, resume, letters of recommendation, and work examples. It shows Nicholas' accomplishments in college and goals for his career in financial services after graduation, including obtaining a job in the industry and eventually opening his own financial planning office.

1. Nicholas Schummer
Northwood University
Career Development

2.  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

3.  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.

4.  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

6. 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

7. 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

8. Ending value of Return from New Value of
Year Portfolio Cash Distributed Return Growth Dividends Shares Shares 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

9. 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 balance
1 1/1/2013 $100,000.00 $421.60 $250.00 $171.60 $99,828.40
2 2/1/2013 $99,828.40 $421.60 $249.57 $172.03 $99,656.36
3 3/1/2013 $99,656.36 $421.60 $249.14 $172.46 $99,483.90
4 4/1/2013 $99,483.90 $421.60 $248.71 $172.89 $99,311.01
5 5/1/2013 $99,311.01 $421.60 $248.28 $173.33 $99,137.68
6 6/1/2013 $99,137.68 $421.60 $247.84 $173.76 $98,963.92
7 7/1/2013 $98,963.92 $421.60 $247.41 $174.19 $98,789.72
8 8/1/2013 $98,789.72 $421.60 $246.97 $174.63 $98,615.10

10. 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.

11. 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.