David S. Crystal ResumeDS.C
AVID RYSTAL
P.O. Box 416151, Miami Beach, FL 33141 917-750-1229 CrystalClearTutors@gmail.com
OBJECTIVE To employ my unique set of analytical and innovational skills, coupled with my diverse
professional background, in finding imaginative and viable solutions to a gamut of problems
facing the clients we serve.
EDUCATION
UMSBCoral Gables, FL
NIVERSITY OF IAMI CHOOL OF USINESS
August 2005 to
Master of Business Administration, Finance and Marketing
May 2007
Graduate Assistantship (75% merit-based scholarship), GPA: 3.6 / 4.0
UP Philadelphia, PA
NIVERSITY OF ENNSYLVANIA
Bachelor of Arts, Philosophy, Politics and Economics
August, 1995 to
May 1999
cum laude;
Honors in Philosophy, Politics and Economics, GPA: 3.5 / 4.0
FINANCIAL
EXPERIENCE
SHBoca Raton, FL,
January, 2012 to
EEMAN OLTZ
August, 2012
Financial Advisor
Licenses: Series 7; Series 66; 215 (Life, Health & Variable Annuity)
Developed expertise in retirement and post-retirement planning
Educated clients on how to utilize life insurance policies as a tool for tax-efficient wealth transfer
Helped clients use annuities for the purpose of chronic illness and terminal illness planning.
Developed expertise in structured settlements
STCoral Gables, FL
August, 2008 to
OUTHERN RUST
April, 2009;
and MSAventura, FL
ORGAN TANLEY
June, 2007 to
April, 2008
Financial Advisor
Licenses: Series 7; Series 66; Series 31; 215 (Life, Health & Variable Annuity)
Advised wealthy individuals and businesses on the management and growth of their assets while
minimizing the standard deviation of that growth.
Achieved some of the best client returns in the branch, in both absolute terms and relative to respective
benchmarks and style indices.
Acquired proficiencies in municipal bonds and municipal auction rate securities, and cash management.
Developed expertise in retirement and post-retirement planning
BFCoral Gables, FL
June 2006 to
AYVIEW INANCIAL
September 2006
Full-service real estate advisory and mortgage-backed securities firm.
MBA Summer Intern
Only MBA-level intern in Finance Division.
Developed first-ever firm-wide interest expense attribution spreadsheet, which allowed management to
optimize its sources and levels of warehouse and liquidity-line financing.
Reported directly to Chief Financial Officer and Senior VP of Finance.
MLCJersey City, NJ
August 1999 to
ERRILL YNCH ONSULTS
July 2002
Separately managed account division of Merrill Lynch., which directs and oversees over $60 billion in
assets under management invested with over 35 program-approved money managers.
Investment Manager Research Analyst
One of only fifteen research analysts in division; reported to manager of Consults. Responsible for due
diligence and analysis of top money management firms.
Was primary analyst covering the following money managers: Nicholas-Applegate, Brandes, Provident,
and Duff & Phelps.
Provided secondary coverage of several other money managers.
Wrote time-sensitive and thorough quarterly reports, year-end reports, and ad hoc updates for Merrill
Lynch financial advisors; provided financial advisors with personal consultation on best choice of
managers for their clients.
EDUCATIONAL
EXPERIENCE
CCTMiami Beach, FL
May 2009 to
RYSTAL LEAR UTORS
Present
Private tutoring business serving grades 6 through college, focusing on standardized test preparation (SSAT,
SAT, ACT, GMAT and Series 7 preparation).
Founder and Tutor-in-Chief
Specializing in in-home tutoring services
To date, all clients have increased their respective scores, in most cases dramatically.
Secured back-up team of Ivy League-educated professionals in the event of excess demand for services.
CrystalClearTutors.com
Developed and manages all content and communication on
M-DCMiami, FL
May 2009 to
IAMIADE OLLEGE
December 2011
SAT Prep Professor
Taught 4 to 6 courses per annum, each covering all aspects of the SAT
To date, all students have improved SAT scores.
MISCELLANEOUS
EXPERIENCE
3C,I.New York, NY
October 2000 to RD
HANNEL NC
June 2005
Provider of cost-effective online e-commerce solutions for small and mid-sized businesses.
Director of Sales, Marketing and Business Strategy
Segued from part-time consultant to full-time principal. Responsible for general management, client
relations, marketing and business strategy.
Turned company around from a start-up in the red to a consistently profitable business by revamping
business model to provide e-commerce solutions that protect brand equity and build economies of scale.
Trained and managed all non-technological personnel. Developed a small army of grassroots guerilla
marketers and salespeople. Made all hiring and firing decisions.
LRCArlington, VA
May 1998 to
UNTZ ESEARCH OMPANIES
August 1998
Legislative Intern
Reported to principal. Analyzed polling data and extrapolated useful information. Developed talking points
for key members of Congress in interviews and press conferences.
Provided political clients with advantageous responses to expected questions on timely issues.
SKILLS AND ACTIVITIES
Author, essayist and lecturer on political topics. Experienced organizer of political campaigns. Writer of poetry. Leader in various not-
for-profits. Junior-professional ski-racer. Well-traveled and experienced in many cultures. Computer skills: Microsoft Word, Microsoft
Excel, Microsoft Access, Microsoft PowerPoint, Microsoft Outlook, Wordpress.