OBJECTIVE: To become gainfully employed with a company enabling further professional growth and development of my current customer service, business and management skills. EDUCATION: Business Administration: September 2014- Present DeVry University Atlanta, GA Computer Information Systems: June 2004- January 2006 Savannah Technical College Savannah, GA WORK EXPERIENCE: Personal Banker Wells Fargo - Atlanta, GA- April 2016- Present · Building and managing customer’s accounts · Understanding customers’ financial needs in order to achieve the greatest possible value from our products and services · Analyzing current customer relationships and proactively contacting customers with recommendations to help achieve financial success · Developing and maintaining relationships with partners to maximize sales opportunities Retail Sales Associate T-Mobile - Atlanta, GA- June 2011 to April 2016 · Presented, demonstrated, and explained features and benefits of the products in order to close sales · Maintained an awareness of all promotions and advertisements · Assisted with merchandising, displays, and price changes · Explained financing options for purchasing merchandise and processing applications · Handled customer complaints via telephone and in person · Assisted upper management with the onboarding process by facilitating training and mentoring of new associates Sales Professional HHgregg - Savannah, GA - July 2009 to May 2011 · Presented, demonstrated, and explained features and benefits of the products in order to close sales · Facilitated training sessions upon the arrival of new promotions or products · Explained financing options for purchasing merchandise and processing applications · Handled customer complaints via telephone and in person · Processed transactions including setting up deliveries and installations for products Sales Supervisor Circuit City - Savannah, GA - June 2005 to March 2009 · Managed, motivated, and coached a team to increase sales and ensure efficiency · Performed weekly cycle counts to ensure accurate inventory · Analyzed sales figures and forecasted future sales volumes to maximize sales · Maintained daily paperwork in accordance to audit and loss prevention standards · Responded to customer complaints and comments · Controlled staffing needs including interviewing, scheduling, conducting appraisals and administering corrective action methods when necessary Running head: FINANCIAL CENTER 1 FINANCIAL FITNESS 3 Financial Fitness Youth Center PRELIMINARY EXIT STRATEGY FOR FINANCIAL FITNESS YOUTH CENTER In the unlikely event, should the industry not be favorable to the financial fitness youth center, the most lucrative exit strategy for my business would be to merge with an existing and well established financial training institution considering my passion of the business. This has many benefits and will ensure that I remain in control of my business while still enjoying the capital brought.

1. OBJECTIVE:
To become gainfully employed with a company enabling further
professional growth and development of my current customer
service, business and management skills.
EDUCATION:
Business Administration: September 2014- Present DeVry
University Atlanta, GA
Computer Information Systems: June 2004- January 2006
Savannah Technical College Savannah, GA
WORK EXPERIENCE:
Personal Banker
Wells Fargo - Atlanta, GA- April 2016- Present
· Building and managing customer’s accounts
· Understanding customers’ financial needs in order to achieve
the greatest possible value from our products and services
· Analyzing current customer relationships and proactively
contacting customers with recommendations to help achieve
financial success
· Developing and maintaining relationships with partners to
maximize sales opportunities
Retail Sales Associate
T-Mobile - Atlanta, GA- June 2011 to April 2016
· Presented, demonstrated, and explained features and benefits
of the products in order to close sales
· Maintained an awareness of all promotions and advertisements
· Assisted with merchandising, displays, and price changes
· Explained financing options for purchasing merchandise and
processing applications
· Handled customer complaints via telephone and in person

2. · Assisted upper management with the onboarding process by
facilitating training and mentoring of new associates
Sales Professional
HHgregg - Savannah, GA - July 2009 to May 2011
· Presented, demonstrated, and explained features and benefits
of the products in order to close sales
· Facilitated training sessions upon the arrival of new
promotions or products
· Explained financing options for purchasing merchandise and
processing applications
· Handled customer complaints via telephone and in person
· Processed transactions including setting up deliveries and
installations for products
Sales Supervisor
Circuit City - Savannah, GA - June 2005 to March 2009
· Managed, motivated, and coached a team to increase sales and
ensure efficiency
· Performed weekly cycle counts to ensure accurate inventory
· Analyzed sales figures and forecasted future sales volumes to
maximize sales
· Maintained daily paperwork in accordance to audit and loss
prevention standards
· Responded to customer complaints and comments
· Controlled staffing needs including interviewing, scheduling,
conducting appraisals and administering corrective action
methods when necessary
Running head: FINANCIAL CENTER 1
FINANCIAL FITNESS 3

3. Financial Fitness Youth Center
PRELIMINARY EXIT STRATEGY FOR FINANCIAL FITNESS
YOUTH CENTER
In the unlikely event, should the industry not be favorable to the
financial fitness youth center, the most lucrative exit strategy
for my business would be to merge with an existing and well
established financial training institution considering my passion
of the business. This has many benefits and will ensure that I
remain in control of my business while still enjoying the capital
brought in by the training institutions and the incoming profits
from doing business with an established and well known firm
(Robbins, 2015).
For a successful merger the financial training institution would
have to invest a substantial amount of money in my company.
The merger will ensure that I will not default on loan
repayments and dividends payments, while at the same time
keeping my assets intact and producing even better services for
my clients. Basically my clients will not feel the negative
effects that might have preceded the merger.
The only disadvantage of this is that I will lose the sole control
of the business and have to consult with my partners before
making any decisions.
References
Robbins, S. (2015, December 08). Exit Strategies for Your
Business. Retrieved from entrepreneur:
https://www.entrepreneur.com/article/78512

4. Running Head: Financial Fitness
1
Financial Fitness 7
Financial Fitness Youth Center
Financial Fitness
Introduction
The problem of unplanned for spending and impulse buying is
common among many people. Everyone has been in a situation
at some point in one’s life where you cannot account for some
portion of funds that one initially had. This problem cuts across
people of all ages and because of this I decided to come up with
a business that would train people on financial responsibility
and responsible spending from an early age. I decided to
develop a daycare center that would incorporate teaching of
these skills in its day to day schedule. (Moritz, 2015)
A business description
Financial Fitness Youth Center is a business created by Tyvon .
The business works to cater for and to teach children about
being financially responsible. Being able to start financial
responsibility at a young age is important. It will allow children
to learn why it is important to manage their money. . (Bonis,
2014)
The business was formed based on the problem of poor spending
habits that is often faced by many adults.

5. When you start teaching financial responsibility at a young age
there is a greater potential of that child being able to handle
their finances as an adult. The goal is if you start early on in
life with teaching this, it will in turn help out the economy in
the long run.
Financial Fitness Youth Center will be special compared to
other daycare centers because of the financial responsibility
lessons. Due to this provision, Tyvon the founder believes the
business will attract a huge number of clientele and stand out in
the daycare industry.
In order to run such a facility, a team of well trained personnel
that are also very good with children will be required. Space for
the children to play and a place that is child proof where
financial responsibility training and training for other skills will
be conducted.
In order to start the business, the following funds will be
required.
Total Startup Cash Needed
Capital Investments
Amount
Property
0
Furniture and fixtures
14000
Computer equipment
23000
Other equipment
6000
Vehicles
75000
Operating Expenses
Amount
Legal, accounting, and professional services

6. 800
Advertising and promotions
4000
Deposits for utilities
1500
Licenses and permits
680
Prepaid insurance
6000
Lease payments
2500
Salary and wages
175000
Payroll taxes
32000
Travel
4000
Signs
1500
Tools and supplies
3000
Starting inventory
0
Cash (working capital)
30000
Other expense 1
0
Other expense 2
0
0
Total Startup Cash Needed =
378,980
The business will generally be a public cooperation. Shares will
available for purchase to the public.

7. An industry analysis
The daycare industry is primarily an industry that is neither
concentrated nor fragmented. It is an old industry as daycare for
children has been there for a long time. The industry is however
growing at a relatively moderate rate since there is development
of more daycare centers but very few have a distinction as in
the case of Financial Fitness. Although newer daycare centers
are being developed every now and then, most only deal with
looking after the children.
All the existing daycare facilities are small scale and are only
locally recognized. No single business can claim to be at the
leader of the industry and this is why Holmes decided to venture
in the industry. The industry is very competitive due to the fact
that there exist very many daycare centers but the distinction
that Financial Fitness has will enable it stand out hence it will
receive less competition. . (Bonis, 2014)
The industry is very important to the members of the public
since everyone who has a child at one point will need to do an
activity which will require them not to have the child present.
This will force the person to look for someone who they can
trust to take care of the child while they go about their business.
The fact that most people are not financially responsible is also
a factor that shows how important a business that will promote
financial responsibility really is. The fact that everyone with a
child at one point will require someone to babysit the child is an
indication that everyone is a potential client. . (Bonis, 2014)
Developing a firm that is differentiated and modern in this
industry is very lucrative and has very strong long-term
prospects since as times change, people begin looking for
something that is up to date with the current methods.
A market analysis
The market is for the business is mainly the working class who
have children. These are the target market since they need
someone to take care of their child while they go to work. The
target population often have very little to help them decide on
what daycare they should take their children since the available

8. ones usually have very little differences. (Bonis, 2014)
Most parents end up choosing a daycare facility based on its
proximity to where they live and such factors. The development
of a daycare facility that is different from the rest and has the
provisions that Financial Fitness aims to provide will surely
help the parents in deciding what daycare is best for their
children. (Moritz, 2015).
Revenue Sources
Financial Fitness aims to raise the revenue necessary for the
business through pumping back profits, loans from banks and
banks overdrafts and sell of shares.
Financial Information
The business is estimated to earn approximately $85 from a
child for one week and approximately 50 children per week. For
a year, the company I expected to raise $204,000 which is just
average if compared to other daycare firms. The net income is
expected to be $174,980 this is arrived at after subtracting the
cost involved in startup.
From the nature of the business, Financial Fitness will have a
lot of recurring sources of income since the clients it will attain
will probably be retained since it is not common for parents to
keep on changing daycare centers. This will make it possible for
the business to be easily predict expected average income.
Recurring sources will enable the business to easily generate
funds to finance growth of the business. The business is
therefore financially feasible. (Moritz, 2015).
Marketing and sales plan
Financial Fitness will mainly deal with passing of skills to the
children who will be brought to them for daycare services. The
provision of training for children will be the main marketing
tool for the business since that is what makes it stand out from
other daycare industries.
For Financial Fitness to stand out and be the best in the daycare
industry, it aims at concentrating on the following which I
researched and found that they are among the basic provisions

9. that must be present and are the key for the business to be
successful during startup and when the business is fully
operational. (Bonis, 2014)
The service being offered needs to be unique from the rest. The
service that the business is offering requires to be either
different from the ones others are offering in the market or offer
something that is not being offered in the market yet it has or
can develop demand. These are the kind of services that end up
being recognized worldwide and can earn the business the
desired publicity.
Offer services that are of of superior quality that will be
preferred by the consumers and will fetch a higher price than
the competitors.
Have an aggressive marketing force that will ensure the
business is well recognized and it is generally presented well to
the potential consumers.
The services being offered should be well supplied to the
potential customers to increase the sales. In most cases the huge
businesses ensure their services are available globally. This also
helps in marketing the business.
The business should be subject to ongoing innovation and
improvements constantly made to the business and the services
they will be offering to ensure that it maintains its place as the
best compared to other services being offered by competitors.
The business aims to succeed and be the best in the market by
applying effort in the following areas; (Moritz, 2015).
Acquiring new technology
Financial Fitness plans to always be up to date and always
acquire the latest technology.
In the case of Financial Fitness, by acquiring new technology,
the business will have the opportunity to create new products
and adapt its offer to the business's different customers locally
and on a global basis if it manages to reach that point. The new
technology has also implications for the process as it will allow
remote services making it more efficient.

10. Social symbolic value
This can be defined as the value a business gains due to
prestige, honor or recognition of deeds or services that the
business may have offered towards a specific culture or group
of people.
Financial Fitness as a business aims to develop above
everything else, a well reputed symbolic value despite having
very little control over how people on the outside of the
business perceive them. The business aims to ensure that with
the minimal impact they have, they will maximize on it and
perfect their social symbolic value.
An example of this is how the business aims to improve on this
is how it will be providing its services to its consumers. This
will affect the attitude that will grow within those who have at
one point been served by Financial Fitness. (Dalpiaz, 2010)
Aesthetic experience
Aesthetics in a business deals with reactions of the consumers
towards their service or product, experiences through which the
business takes their clients through, the emotions and feelings
the business exudes and brings out to their customers. The
ability to be a good finance manager in this case is what will be
the most important concern for Financial Fitness since they will
be dealing with their client’s ability to use funds in a
responsible way. Financial responsibility is the ultimate goal
and through the quality and professional services that the
business will be offering by the employees who will be well
trained and motivated. Once this has been achieved, Financial
Fitness will be able to maintain and attract more clientele and
this will act as a competitive advantage against other daycare
centers. (Charters, 2006)
Conclusion
With doing some more research on the industry I believe the
overall assessment for my business is feasible, Judging by the
data that I found I can see the business turning a profit by year

11. 2. There is a lot more that I need to do to make this dream come
to life but I believe I can make it happen.
Through the high level of specialization and the marketing
methods mentioned above, the business will surely be very
successful and its services will stand out. The industry is
clearly very lauraceous and filled with opportunity if looked at,
at a right angle.
References
A global and local strategy - Creating an effective
organisational structure. (2016). Businesscasestudies.co.uk.
Retrieved 21 November 2016, from
http://businesscasestudies.co.uk/coca-cola-great-
britain/creating-an-effective-organisational-structure/a-global-
and-local-strategy.html#axzz4QfKv2sSU
Bonis, M., Loftin, M., Ward, D., Tseng, T. S., Clesi, A., &
Sothern, M. (2014). Improving physical activity in daycare
interventions. Childhood Obesity, 10(4), 334-341.
Charters, S. (2006). Aesthetic Products and Aesthetic
Consumption: A Review. Consumption Markets &
Culture,9(3), 235-255. doi:10.1080/10253860600772255
Dalpiaz, E., Rindova, V. P., & Ravasi, D. (2010). Where
strategy meets culture: The neglected role of cultural and
symbolic resources in strategy research. Advances in Strategic
Management The Globalization of Strategy Research, 175-208.
doi:10.1108/s0742-3322(2010)0000027010
Moritz, E. D., Hanson, B. M., Kates, A. E., & Smith, T. C.
(2015). Molecular characteristics of Staphylococcus aureus

12. isolated from employees, children, and environmental surfaces
in Iowa child daycare facilities. American journal of infection
control, 43(5), 482-488.
KinderCare | Child Daycare Centers & Early Education
Programs. (2016). Kindercare.com. Retrieved 22 November
2016, from http://www.kindercare.com/