J. Michael Norton

PROFESSIONAL CAREER SUMMARY:

Management and Operations responsibility for day to day operating and accounting functions including motivation of sales staff, direction and utilization of support staff, recruiting, and motivation functions, Maintaining operating and administrative policy to facilitate delivery of services. Operated several profitable financial services organizations.

Sales, Field Sales, Sales Management: Thirty years of personal experience and leadership in sales and sales marketing function for financial products and services. In every position I consistently achieved the highest level of sales production performance for the employing organization. As an achiever I was able to set an example for others to follow so that I always became a leader and sales manager charged with team production and sales management.

Financial Services Professional providing services to the public as a financial planning professional utilizing experience in the fields of investment advisor, business management, real estate development, mortgage broker, insurance agent and income tax preparation. Capable of effectively delivering a unique combination of organizational, management, sales marketing, and technology skills.

Information Technology, Automation and Computerization: designed, developed and implemented a computerized business operation plan to serve a mortgage broker and a financial planning firm including accounting and administrative functions as well as industry specific software for automation and financial services delivery. I am highly computer literate.

Financial Accounting: Accountant organized and managed accounting systems, fiscal management and financial reporting. 30 years experience with full charge book keeping, financial statements and Tax Return preparation. IRS registered tax preparer.

 

PRO    PROEFSSIONAL SKILLS:

 

REAL ESTATE DEVELOPER

  • Organized and managed a single purpose entity to obtain entitlements to build single family housing.
  • Conceived and implemented a business plan to commercially justify permitting, remediation and development.
  • Selected, organized and managed a team of professionals to design and engineer a 70 million dollar development project.
  • Raised equity capital and secured debt to finance the permitting and development process.
    • Recruited organized, trained and supervised three regional branch offices for the Branch Division
    • Organized from inception a mortgage loan origination company.
    • Computerized and automated the office administration and loan origination process.
    • Developed a sales and marketing strategy which generated, in first year, fifty five million loan origination volume.
    • Developed a continuous source of new loans through network marketing with financial planners.
    • Acquired familiarity with FNMA and FHA underwriting guidelines and compliant mortgage practices.
    • As quality assurance manager enhanced customer satisfaction and repeat business.
    • Supported customer satisfaction by developing a TQM system to avoid customer complaints.
      • Established and maintained asset allocation for client investment portfolios.
      • Income tax preparation and tax matters consultant.
      • Maintained post sale due diligence and client communication.
      • Provided technical and professional knowledge for financial plan development and implementation.
      • Computerization of administrative and industry professional tasks.
      • Generate new business from client referrals and self directed marketing strategy.
        • Developed a marketing strategy to attract managed account assets from private and corporate clients.
        • Maintained and monitored client investment portfolios and prepared portfolio and performance analysis.
        • Raised equity capital for direct participation limited partnerships utilizing a self-directed marketing plan.
        • Maintained product knowledge and relationships with industry equity product providers.
          • Fluent with MS Office Software: Word, Excel, Outlook, Power Point .
          • Familiarity with Local Area Networks, Windows, Internet Access & Email, Web Site Development, Goldmine and several industry specific software systems.
          • Capable of quickely learning industry specific software and supporting others to maximize software potential.
          • Capable of ferreting out software defects and shortfalls in functionality and or design.
            • Capable of full charge bookkeeping and accounting for small business including trial balance & financial statements
            • Tax Return Preparation: Personal, Corporate, Trust and Partnership returns.
            • Fluent with CCH ProSystem FX professional tax preparation software and Drake Tax Software.
            • Budget Development and Cash Flow Management (Accounts Payable, Accounts Receivable, Capital and Liability)

MORTGAGE BROKER

FINAF   FINANCIAL PLANNING PRACTITIONER 

INVES   INVESTMENT ADVISOR & N.A.S.D. REGISTERED REPRESENTATIVE

   COMPUTER TECHNOLOGY

   ACCOUNTING:


Professional Employment:

 

January 2005 to present

GREEN VIEW REALTY, LLC: Managing Member

Organized and managed a single purpose entity for the purpose of developing a 52 acre parcel of land that will remediate a brownfield, provide affordable housing & utilize green building concepts. A 200 unit housing development is permitted for revenue to exceed seventy million. Value added $6,400,000 Green View Realty, LLC

January 2008 to December 2010

 


Jacob Dean Mortgage, Inc: Branch Manager

Consolidated branches and Loan Originators post East West closing, transitioned to Jacob Dean Mortgage under new NMLS regulatory environment. Coordinated with Home Office compliance. Originated and processed loan originations through FHA or FNMA Lenders. Maintained local compliance and interaction with MA DOB.

February 2001 to December 2007

 

East West Mortgage Co., Inc.: Regional Branch Manager

Achieved highest national branch production as Branch Manager at branch office located in Massachusetts. Responsible for all aspects of Branch Office including hiring, training production and compliance. Promoted to Regional Branch Manger supervising three branch offices. Reported to National Branch Manager.

January 1992 to January 2001

BAYSTATE HOME MORTGAGE CO., INC. : Principal & Founder

Founded Baystate Mortgage Company as Director of Sales & Marketing. Organized Company from inception. Responsible for new business development employing a multi faceted marketing plan, which effectively produces mortgage application referrals from financial professionals. Designed, installed and maintained a LAN (local area network) to support a computerized Loan Origination System. Documented the mortgage brokerage operations process.

October, 1984 to December 2010

BAYSTATE INVESTMENT ADVISORS, INC.: President

Organized from inception a financial planning company that provided fee based Investment Advisory and business management services.   Marketing and sales to attract affluent clients. Configured computer hardware and software collections to automate a financial planning practice. Registered Investment Advisor.

April 1982 to August 2002

 

 

January 1980 to December 1988

 

COMMONWEALTH FINANCIAL NETWORK: Registered Representative NASD Registered Representative Series 7, 6 and 22. Investment Securities sales

 

GUARDIAN LIFE INSURANCE COMPANY: Field Representative

Generated annual sales in excess of 1 Million of MDRT Insurance Volume. 1982 & 1983 Million Dollar Round Table qualifier.

 

Education:

 

1995

 


1986



1982



1970-1972

College for Financial Planning, Denver CO

CFP professional designation


The American College, Bryn Mawr, PA

CLU & ChFC professional designations


Bentley University, Waltham, MA

BS. Economics, AS. Accounting


United States Naval Academy, Annapolis, MD

 


 

PROFESSIONAL QUALIFICATIONS:

 

Certified Financial Planner: (former) CFP Board of Standards

Registered Investment Advisor: (former) Securities Exchange Commission, Commonwealth of Massachusetts

Mortgage Broker: Commonwealth of Massachusetts

Realtor: Commonwealth of Massachusetts Realtor Sales Agent

Chartered Financial Consultant (ChFC) : American College

Charter Life Underwriter (CLU): American College

Registered Representative Series 7: (former) National Association of Securities Dealers

Insurance Agent: Life, Health and Variable Annuity: Commonwealth of Massachusetts

Accountant: Bentley University.

ASA Certified Sailing Instructor: Narragansett Sailing School

 

Organizations:

2012-2014 

2006-2014 

2000-2008

2001-2003

1984-2004

1995-1999

1991-1995

 

American Sailing Association

Sail Newport Member

MMBA and MMA Member

Financial Planning Association Boston Chapter Board of Directors

Financial Planning Association (successor to ICFP & IAFP)

International Association of Certified Financial Planners (ICFP)

Registry of Financial Planning Practitioners

2011

1984-1986

1977-1979

Holliston Selectman Candidate

Medway Finance Committee, Medway, MA (appointed)

Ashland Park Commissioner, Ashland, MA (elected)