About Deborah Hornberger:

Deborah Hornberger's expertise is strategic planning and product development for financial services firms. With more than twenty years of in marketing management, she helps her clients acquire new high net worth affluent customers and increase the value of existing relationships.

As a consultant, Deborah has lead numerous product development teams. Products include mini-trusts (fill-in-the-bank living trusts starting at $50,000), probate avoidance products, a small company 401(k) plan, employee banking, and investment products.

Strategic planning has focused on:

creating a new Internet-only bank, increasing market share of retirement assets, assessing new target markets, designing a new Private Bank for $5 million plus clients, restructuring the delivery of bank brokerage services, and integrating the delivery of business and personal banking services to affluent small business owners.

Her clients include large brokerage firms, and mutual fund companies, national and regional banks, and community banks that target small to mid-sized businesses and wealthy individuals.

Prior to becoming a management consultant in 1992, Deborah was employed at Charles Schwab & Co., where she managed the marketing for the new trust brokerage division in which assets increased over $4 billion in two years. During that time she developed and introduced Schwab's Designated Beneficiary Plan.

As Director of Marketing for Wells Fargo's Trust and Investment Group, she created and introduced WELLS TRUST, which was marketed mainly through the retail branches and accounted for 25% of all new business within six months. Product development included the systems, operations and procedures, as well as a new sales incentive program, employee training and collateral materials.

Deborah received a Bachelor's Degree in Marketing from The Ohio State University, an M.B.A. in Financial Planning from Golden Gate University and has obtained her Series 7 and 63 registered representative broker's licenses. She is accredited by the Institute of Management Consultants as a Certified Management Consultant and by the Institute of Certified Bankers as a Certified Financial Marketing Professional. Deborah has been President of the Northern California Chapter of the Institute of Management Consultants and serves on various community boards.