More About Me
My mom’s dad was killed in a work related accident when she was eleven years old. She was tasked with taking care of her two younger brothers, so her mom could work cleaning houses. My mom described how she fainted a lot due to hunger.
My dad’s father was attacked by three men. One of the men died as a result of the fight and my grandfather went to prison. The family had no money to hire an attorney. The court-appointed attorney convinced my grandfather that he should plead guilty to a reduced sentence because he had no witnesses and the two other men in the attack would testify against him.
As a result, the family broke apart and my dad, at age 15, went to live with an older sister in California so he could finish high school.
My first money lesson: I learned that you have no choice when you have no money.
Growing-up, I could see how my parents were shaped by the struggles they had in childhood and how those experiences shaped their views about money, scarcity and financial education.
My dad had started his own electrical contracting company as a result of being laid-off. He worked six days a week, and over time, he did well.
My parents never talked about money when I was growing up, other than to tell me I should open a bank account when I got my first job.
My mother was so incredibly frugal that it made everyday living really stressful. One time my brother accidentally spilled his glass of milk, and my mom became very upset. It seemed my mom was always stressed out about money.
My parents made many money mistakes and never sought advice from a financial professional. My parents did try investing in the stock market when they got a hot stock tip from a friend. They lost all of their investment in that stock and never invested in the stock market again. Another time they lost thousands investing in three plots of land that ended-up being worthless.
My second money lesson; do a lot of research and get competent advice before you invest in anything.
As I grew up, I saw that I needed to learn for myself what money was all about.
We lived in Southern California and I saw it was a place with many wealthy people. It seemed that only a few lucky people learned the secret to making money. Everyone was very secretive about money. No one talked about it. That made me very determined to find out all I could about money.
When I graduated from High School, I received two college scholarships. A friend found out about the money and asked if he could borrow the money for a short time to get his car fixed. He assured me he would pay me back with his next paycheck. He never paid me back.
My third money lesson, some people will try to take your money.
So, by the time I was 18 years old I learned that it’s important to be careful how you invest your money and to protect it.
I worked my way through college by working at veterinary hospitals I explored the idea of becoming a veterinarian, but after a while I developed allergies to the chemicals and pet dander, so I switched to the business side and became a hospital administrator.
I worked as a hospital administrator and moved up quickly to managing large hospitals. But, in order to advance my pay I would need to relocate to manage even larger hospitals. However, by then I was divorced and the sole support for my daughter.
I did a lot of soul searching to learn what I really wanted to do with my life I felt that the financial services industry needed more women and needed someone like me. I knew it was a big risk, but I had thought a lot about becoming a financial advisor, and asked myself, “if not now, when?”
In 2003 I began working for very high net worth families in their private family offices in Southern California. I developed a good reputation from the families and individuals I worked for, and these families referred me to their friends who also had family offices.
I wanted to get experience working for a large ‘Wall Street’ firm, so I could see what it was like to work in the ‘big leagues’. I was hired by a public U.S. global broker-dealer in 2013. Overall, it was a good experience because I could see from the inside how the financial markets worked and how a very large company worked with their clients and they systems they used to manage portfolios.
However, I wanted to do more for my clients and develop meaningful relationships with my clients and that was just not possible at the large firm.
I left the large firm and I worked for an independent registered investment adviser and ultimately launched my own firm. I would take all of the best practices I have learned and create a client experience that would be exactly the experience I would want if I was seeking advice.
It’s been seventeen years since I began this journey and I’m thankful every day that I have the opportunity to help people and make a difference in their lives.
I hope my story has helped you get to know me.
Please feel free to contact me, I would love to hear from you.