Sentences with phrase «clients as an account manager»

From our discussion about your project management style and your five - year goals as a company, I can see that I am a strong fit for what you're looking for because of my proven skills in aeronautical applications for 3 - D printing and my experience working with clients as an account manager within this industry.»

Not exact matches

People with roles such as account planner, a strategic thinker who brings in consumer research, and account manager, who looks after the relationship with the client, will also be involved in a process that can take several weeks or even months before any ideas are shown to a client.

A minimum of $ 1,000 is required as a deposit, but this account also offers more advanced educational tools, which also comes with access to a client success manager.

As District Manager, Orlando will directly oversee accounts in Dallas, responsible for the district's performance for financial, guest satisfaction, client satisfaction and business development objectives.

He is now covering the south of England for Beatson Clark, working closely with the Business Development Manager Alison Hughes and handling the company's existing client accounts such as English Provender, Meantime Brewery and Aspall.

This role includes working very closely with clients, and with internal resources such as Project and Account Managers, Instructional Designers, Software Developers, Business Analysts and the...

Joe Cummings Board Member Joe Cummings started in the recruiting and staffing industry in 1988 as an Account Manager; placing his candidates to his developed client base on a direct hire basis.

«This product is going to cross over and will appeal to business clients as well as consumers; prosumers if you will,» said the national account manager for Motorola Mobility Canada Ltd, Mr. Glenn Kennedy.

Wi - Fi (802.11 b / g) connectivity for expanded coverage, as well as faster Web browsing and file downloading Support for T - Mobile HotSpot @Home add - on plan Enabled for T - Mobile's myFaves SM so customers can stay in touch with those who matter most with quick, one - click access via instant message, e-mail, or by calling or texting their five favorite contacts from the home screen Popular instant messaging clients: AOL ®, Yahoo! ® Windows Live ®, Google ® and ICQ ® 2 - megapixel camera with 5x digital zoom, built - in flash, self - portrait mirror and full - screen viewfinder Advanced media player with search capabilities, full - screen video playback, stereo Bluetooth ® support (A2DP / AVRCP), 3.5 mm full - size stereo headset jack and dedicated volume controls - supports MP3, AAC, WAV, WMA audio and MPEG4, H. 263 and WMV video formats Roxio ® Media Manager for BlackBerry ® (included with BlackBerry ® Desktop Manager software), which allows customers to easily search for media files on their computers, view and organize them, create MP3 music files from CDs, add audio tags, create playlists and automatically copy or convert pictures, music and videos for optimal playback High - performance HTML browser for visiting favorite Web sites while on the go Incredibly intuitive user interface with an easy - to - use trackball, dedicated «menu» and «escape» keys, and context - sensitive menus that make navigation feel instinctive and fast Full QWERTY keyboard for easy text entry Large, ultra-bright 320x240 color display for vibrant imagery Innovative light - sensing technology that automatically optimizes the screen, trackball and keyboard lighting for indoor, outdoor and dark environments E-mail and memo spell - checking available in various languages including English, French, Italian, German and Spanish Premium phone features with Speaker Independent Voice Recognition (SIVR) for Voice Activated Dialing (VAD), dedicated «send», «end» and «mute» keys, noise - cancellation technology to offset background noise, a low - distortion speakerphone for hands - free conversations, and Bluetooth ® support for hands - free use with headsets, car kits and Bluetooth peripherals Intuitive call management features such as smart dialing, conference calling, speed dialing and call forwarding Quad - band GSM / GPRS / EDGE / Wi - Fi network support for international roaming BlackBerry Maps, a mapping application that provides customers with driving directions Built - in Handango ™ InHand catalog of additional software applications available for download Support for polyphonic, MP3 and MIDI ring tones Expandable memory storage via microSD expansion slot Ultra-thin, high - capacity, removable battery that further extends the exceptional battery life for which BlackBerry smartphones are known BlackBerry ® Internet Service support allowing access to up to 10 supported e-mail accounts, including most popular ISP e-mail accounts such as Yahoo! ®, AOL ® and Gmail ® BlackBerry ® Enterprise Server support tightly integrated with IBM Lotus ® Domino ®, Microsoft ® Exchange, and Novell ® GroupWise ®, and featuring IT policy controls for IT departments to manage usage and deployments

Michael E. Stack, CFA, Mike is a fixed income portfolio manager and serves as chair of the Financial Reserves Management Team (FRMT), responsible for managing US Broad Market portfolios for clients with customized risk and return objectives often related to accounting and / or regulatory constraints, such as insurance clients.

While its Credit Experts work directly with creditors and the bureaus to dispute items and help repair your credit, the Pyramid Account Managers act as mediators between the experts and you, the client.

As part of our top tier service experience, clients of the high net - worth program receive a dedicated, professional account manager who ensures that any questions or requests are fielded right away.

you fail or omit to disclose to us your capacity as the beneficial owner of more than one accounts you may maintain with us and / or your capacity to act as a money manager on behalf of any other client of us;

Mark also serves as Senior Portfolio Manager to both SMI Advisory Service's Private Client managed account program and the SMI Funds.

She has spent the last 20 years in the corporate arena in a variety of roles such as Office Manager for an accounting firm, and Compliance Administrator and Project Controller for two large general contractors, managing subcontractor insurance compliance, and client and subcontractor billing for $ 8MM to $ 20MM projects.

Previously at URS Corporation, Tim served as the Regional Operations Manager for the Central Coast asrea, the Client Account Manager for serveral key national energy clients, and the National Power Business Line Leader.

She continues it for the love of her profession, she says, while acknowledging that it helps bring in phone calls at her current job as manager of client accounts for an Atlanta court - reporting firm.

To support the growing, global e-discovery community and client base, Abigail joined kCura in 2015 as an Account Manager for the Asia - Pacific region.

The student will also be expected to assist with other ongoing PLIAN projects, including researching, developing, and editing legal information publications; assisting in the development and delivery of legal information presentations; supporting proposal development for future projects; managing PLIAN's social media accounts; assisting with office and administrative tasks where needed; potentially assisting in answering client inquiries on PLIAN's Legal Information Line and Lawyer Referral Service; and completing other tasks as requested by the Executive Director and Office Manager.

As a Vario Account Manager in Australia he is responsible for ensuring our clients receive the world - leading service they have come to expect from Pinsent Masons.

Amy Ratcliffe joins IPRS from Workhouse Marketing, where, as senior account manager, she specialised in consultancy for legal clients and in new business development.

Darren Verrian, CEO, GO DPO explains: «This headline figure of 7,000 DPOs isn't a wild exaggeration and if anything is an under - estimate of the actual requirement as many banks and insurance companies employ more than one senior manager to fulfil the requirements of a DPO whose role can involve handling millions of customer and client accounts.

Professional Summary Sales professional with extensive experience in product sales and assessing client... position as Account Manager in electrical industrial sales.

As an account manager, you'll satisfy clients with the aim of retaining their contracts, upselling them on further product and service offerings, and interact directly with a varied group of decision - makers at your customer organizations.

Acceleration Partners seeks an experienced Affiliate Marketing Account Manager / Consultant to autonomously manage large projects in our affiliate marketing practice and serving as key client facing liaison.

Prior to joining Acceleration Partners, she worked as an account manager for clients in the hospitality, education, and retail spaces, developing strategy in both affiliate and paid search.

Advertising managers known as account executives manage clients» accounts, but they are not responsible for developing or supervising the creation or presentation of advertising.

Whether you are seeking work as a Client Manager, a Strategic Sales Executive at an investment firm, as an Account Sales Manager at a media group, or an Advertising Sales Executive at a prominent agency, we have the job options for you.

As a Strategic account manager, you will represent our company and interact with major clients.

Our client in the solar / manufacturing industry, is in search for an Accounting Assistant to be the right hand person to their Accounting Manager as they are experiencing growing pains.

We are looking for a Junior Account Manager to act as the first point of contact with existing customers, answer their queries and increase client satisfaction.

IT professionals tend to work as part of a team from their own firm (which can include colleagues from other areas of the business such as accounting and tax advisory), but you will also work closely with the client's IT team and liaise with its IT managers.

The Role: Working within the Corporate team as an Account Manager, you will be responsible for selling fleet solutions to an existing client portfolio, through cross-selling and up - selling.

Served as a point of contact with clients, vendors, and internal stakeholders on behalf of the account managers to streamline email and phone correspondence.

This following resume sample provides generic example of a resume for key account manager positions and job titles as follows: Accounting Manager, Advertising Account Manager, Senior Account Manager, Account Executive, IT Account Manager, Insurance Account Manager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship Maccount manager positions and job titles as follows: Accounting Manager, Advertising Account Manager, Senior Account Manager, Account Executive, IT Account Manager, Insurance Account Manager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship Mmanager positions and job titles as follows: Accounting Manager, Advertising Account Manager, Senior Account Manager, Account Executive, IT Account Manager, Insurance Account Manager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MManager, Advertising Account Manager, Senior Account Manager, Account Executive, IT Account Manager, Insurance Account Manager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MAccount Manager, Senior Account Manager, Account Executive, IT Account Manager, Insurance Account Manager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MManager, Senior Account Manager, Account Executive, IT Account Manager, Insurance Account Manager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MAccount Manager, Account Executive, IT Account Manager, Insurance Account Manager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MManager, Account Executive, IT Account Manager, Insurance Account Manager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MAccount Executive, IT Account Manager, Insurance Account Manager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MAccount Manager, Insurance Account Manager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MManager, Insurance Account Manager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MAccount Manager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MManager, Sales Account Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MAccount Manager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MManager, Territory Manager, Key Account Manager, Client Relationship Manager or Business Relationship MManager, Key Account Manager, Client Relationship Manager or Business Relationship MAccount Manager, Client Relationship Manager or Business Relationship MManager, Client Relationship Manager or Business Relationship MManager or Business Relationship ManagerManager.

Delivering critical support to account managers for top - tier Fortune 500 clients, encompassing areas such as advertising, metrics, promotions / events, and web development initiatives.

* Prospect for new clients seeking new business development opportunities Liquid Personnel's awards: * Ranked 24th in the Sunday Times 100 Best Small Companies to Work For 2016 * Recognised in the UK's Best Workplaces in 2013, 2014, 2015, 2016 and 2017 * Recognised as a Disability Confident Employer * Winners of both the «People Development Business Award» and the «Best Back Office Support Team Award» at the Institute of Recruitment Professionals Awards 2016 * Investors in People status since 2007 Typically our Social Work Recruitment Consultants start off in the following industries / Job titles: «B2B sales», «B2C sales», «Face to face sales», «Door to door sales», «Charity Fundraising», «Sales», «Graduate», «Telesales», «Phone sales», «Direct Sales», «Outbound Sales», «Sales executive», «Sales manager», «Headhunter», «Resourcer», «Account Management», «Trainee», «Trainee Sales», «Business Development» «Estate Agent» «Membership sales» Other available roles within our Sales teams include: «Recruitment Consultant», «Trainee Recruitment Consultant», «Graduate Recruitment Consultant», «Experienced Recruitment Consultant» «Graduate Recruiter» «Trainee Recruiter» «Recruiter» «Sales Consultant» «Consultant» «Social Work Recruitment Consultant», «Healthcare Recruitment Consultant», «Nursing Recruitment Consultant», «Permanent Recruitment Consultant», «Temporary Recruitment Consultant» Liquid Personnel is an Equal Opportunities employer.

Account Managers, or Accounts Managers, follow trends in their specific industries, such as marketing or technology, in an effort to create and maintain business accounts for a variety of new and present clients.

As an experienced district sales and account manager with a strong history of managing client relationships and drastically increasing revenues, I stand in a prime position to significantly contribute to your objectives as your next District Sales ManageAs an experienced district sales and account manager with a strong history of managing client relationships and drastically increasing revenues, I stand in a prime position to significantly contribute to your objectives as your next District Sales Mmanager with a strong history of managing client relationships and drastically increasing revenues, I stand in a prime position to significantly contribute to your objectives as your next District Sales Manageas your next District Sales ManagerManager.

Also worked as project manager on a variety of accounting projects, utilizing strong client rapport, effective office administration skills and multi-tasking.

The ability to make reliable proposals, present ideas, and implement strategies are essential for an account manager as it minimizes conflict in tasks and helps clients meet deadlines as well as certain standards in the industry they are in.

How do I handle requests for such references?Thank you so much for your help!CherylCHERYL M. EARLE3407 Old Dobbin Road, Montgomery, Alabama 36116 - 1903Home Phone: [phone] Cell Phone: [phone] Fax: [phone] E-mail: [email protected] position managing legal discovery and document review with opportunity to assist attorneys with civil litigationBAR ADMISSIONAlabama State Bar, 1999LAW - RELATED EXPERIENCELaw Firm, AlabamaResearch Attorney for Special Projects, Mass Torts Department, November 2001 — February 2008 • Managed Multi-District Litigation (MDL) Document Depository (September 2002 to February 2008) o Reviewed more than 1 million pages of evidentiary documents for litigation purposes and for inclusion in electronic databaseso Coordinated document review assignments with attorneys at local depository and at other sites across the USo Retrieved, reviewed and coded documents in Concordance and Summation legal databaseso Prepared memoranda and spreadsheets providing detailed analysis of discovery materials • Aided attorneys and support staff with processing and preparation of personal injury claims and litigationo Conducted legal research and drafted pleadingso Conducted supplementary online research for additional documents and information pertinent to litigationo Assisted with preparation of correspondence to clients and referring attorneyso Contacted clients for additional information needed in case preparation, litigation, and potential settlementso Prepared and input case intakes and referrals into databaseLaw School, AlabamaStudent Intern, Alabama Disabilities Advocacy Program (ADAP), August 1996 — June 1997 • Participated in law school clinical program under third - year law student practice rule (as authorized by Alabama Supreme Court) o Assisted attorneys and advocates in cases involving mentally ill patients confined to state mental health facilitieso Interviewed clients in person (at state facilities) and over the phoneo Worked with clients, attorneys, and social workers to investigate and resolve issues concerning involuntary confinement and treatmento Aided in legal research on an appellate brief submitted to the U. S. Court of Appeals for the Eleventh Circuit (ruling granted in favor of our client) Faculty Research Assistant for Library Services, Bounds Law Library, March 1996 — June 1997 • Prepared research and teaching materials for law school faculty; worked 20 hours per week while matriculating 10 - 15 hours per semester) o Investigated copyright issues related to procuring and reproducing texts for academic useo Conducted legal research using WESTLAW, LEXIS and the InternetADDITIONAL RELEVANT EXPERIENCEManufacturing Company (MC), Montgomery, AlabamaAdministrative Assistant and Cost Analyst, Materials Purchasing Department, April 1999 — September 2001 • Assisted materials buyers in negotiating and preparing commodities contracts between raw materials suppliers and MC for manufacturing plants in the US and Mexicoo Assisted Legal Department at MC's corporate headquarters with coordination and preparation of documents for litigationo Notified and educated suppliers about MC's freight - on - board policy and its corresponding Uniform Commercial Code (UCC) provisions; result was the reduction of freight claims for both the company and its supplierso Prepared contracts and purchase orders for raw materials and capital projects involving plant maintenanceo Solicited price quotations from current vendors and established Excel spreadsheet format which simplified quote submission process and allowed MC to track and compare usage volumes and costs over timeo Prepared and analyzed cost reports used by materials buyers and production planners in purchasing decisions, including cost reductions, materials consolidation, and selection of vendorso Acted as liaison between vendors and the Purchasing, Transportation and Accounting Departments on issues concerning inbound freight, commercial carriers, and payment terms for commodities, resulting in reductions in freight costs and greater payment discounts for raw materialso Established online databases and printed directories for the Purchasing Department, allowing buyers to have easier and faster access to current vendor informationo Completed Year 2000 (Y2K) compliance project, which involved data collection and communication with MC's past, present, and potential materials suppliers and service providersNot - For - Profit Organization, AlabamaAdministrative Assistant, Combined Federal Campaign, September 1998 — January 1999 • Aided Campaign Director with 1998 Federal Campaigns (CFCs) in City 1 and City 2, which together generated nearly $ 700,000 for more than 1,000 local, national and international charitieso Prepared weekly reports on donations using WordPerfect, Microsoft Word, Excel and dBase IVo Wrote script for Talent Showcase at City 1's 1998 CFC Kickoffo Assisted Director with merger of the City 1 and City 2 CFCs in 1999Regional Bank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon request

Activities such as developing sales strategies, liaising with potential customers, nurturing client relationships, promoting products, monitoring sales staff performance, and making sure sales targets are attained are often seen on Insurance Account Managers resumes.

Selected accomplishments: • Increased efficiencies & reduced production turnaround time 25 % by utilizing functional prioritization • Reduced cancelled orders 30 % and salvaged the threatened loss of key accounts by initiating daily and weekly communications reports and focusing on personalized client supervision • Recognized Client Relationship Specialist and preferred project manager by major national accounts • Key contributor in improvement of inter-departmental project flow by assisting in the establishment of real - time based deadlines for order entry and job order release • Improved office efficiency by initiating purchase order requirements and pre-production checklists implemented by company president for use throughout customer service department and included in new client information packets • Strengthened inter-departmental relationships by practicing team focused recognition and open communication • Won the respect of all department managers, company president and owner as recognized by receiving MVP employee of the quarter award January 2007Page TwoMarketing Manager, Company Name7 / 2002 — 7 / 2004Created and implemented successful internal and external store marketing proclient supervision • Recognized Client Relationship Specialist and preferred project manager by major national accounts • Key contributor in improvement of inter-departmental project flow by assisting in the establishment of real - time based deadlines for order entry and job order release • Improved office efficiency by initiating purchase order requirements and pre-production checklists implemented by company president for use throughout customer service department and included in new client information packets • Strengthened inter-departmental relationships by practicing team focused recognition and open communication • Won the respect of all department managers, company president and owner as recognized by receiving MVP employee of the quarter award January 2007Page TwoMarketing Manager, Company Name7 / 2002 — 7 / 2004Created and implemented successful internal and external store marketing proClient Relationship Specialist and preferred project manager by major national accounts • Key contributor in improvement of inter-departmental project flow by assisting in the establishment of real - time based deadlines for order entry and job order release • Improved office efficiency by initiating purchase order requirements and pre-production checklists implemented by company president for use throughout customer service department and included in new client information packets • Strengthened inter-departmental relationships by practicing team focused recognition and open communication • Won the respect of all department managers, company president and owner as recognized by receiving MVP employee of the quarter award January 2007Page TwoMarketing Manager, Company Name7 / 2002 — 7 / 2004Created and implemented successful internal and external store marketing prmanager by major national accounts • Key contributor in improvement of inter-departmental project flow by assisting in the establishment of real - time based deadlines for order entry and job order release • Improved office efficiency by initiating purchase order requirements and pre-production checklists implemented by company president for use throughout customer service department and included in new client information packets • Strengthened inter-departmental relationships by practicing team focused recognition and open communication • Won the respect of all department managers, company president and owner as recognized by receiving MVP employee of the quarter award January 2007Page TwoMarketing Manager, Company Name7 / 2002 — 7 / 2004Created and implemented successful internal and external store marketing proclient information packets • Strengthened inter-departmental relationships by practicing team focused recognition and open communication • Won the respect of all department managers, company president and owner as recognized by receiving MVP employee of the quarter award January 2007Page TwoMarketing Manager, Company Name7 / 2002 — 7 / 2004Created and implemented successful internal and external store marketing prManager, Company Name7 / 2002 — 7 / 2004Created and implemented successful internal and external store marketing programs.

A public relations account manager is responsible for managing accounts of different clients in a PR agency, PR departments of big commercial companies, as well as integrated marketing organizations, and a host of other organizations.

Sales Account Managers assume responsibility for multiple sales accounts and perform duties such as managing campaigns, training members of the account team, identifying business opportunities, achieving sales targets, taking part in client meetings, and doing papAccount Managers assume responsibility for multiple sales accounts and perform duties such as managing campaigns, training members of the account team, identifying business opportunities, achieving sales targets, taking part in client meetings, and doing papaccount team, identifying business opportunities, achieving sales targets, taking part in client meetings, and doing paperwork.

Serve as relationship manager and fiduciary advisor for clients with more than 1,000,000 in investable assets and support a book of accounts having an asset base of at least 100,000,000.

Since he / she deals with everything related to bank accounts, this type of manager serves as a client's main contact in the branch.

Kathy's background is in the fields of banking and IT, holding such positions as Vice President of Operations, MIS Director, Client Services Manager, and Account Executive.

Since the manager must be aware of the accounts he / she is handling, the bank account manager can also study these accounts and find out which clients would need other bank services, such as home or car loans, mortgage, time deposits, investments and other financial needs.