Athena K. Stone has been with Attentive Investment Managers, Inc. since 2003, is an Investment Advisor and the Chief Compliance Officer for the company. Mrs. Stone earned her Chartered Retirement Planning Counselor (CRPC) designation in 2010 from the College for Financial Planning. She received the designation of Accredited Investment Fiduciary (AI...F) from Fi360 in 2011. She earned her Bachelor of Arts Degree in Organizational Leadership from Brandman University in 2012 and her Master of Science in Financial Planning and Designation of MPAS (Master Planner Advanced Studies) from the College for Financial Planning in 2018. More
Jul
17

Withholding Changes

tax-withholding

The new tax law made it hard to know how much to withhold from your paycheck every few weeks. As a result, many people withheld less than they might otherwise have, and either received a smaller rebate than expected or had to pay additional taxes in April.

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Jul
03

Health Savings Accounts - HSA

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Health savings accounts are accounts that are paired with high-deductible health plans. They are also a tax-efficient way to save for retirement offering savers a triple tax advantage, via tax-free contributions, investment growth and withdrawal (if money is used to pay qualified medical expenses). To qualify for an HSA you must have a high-deductible health care plan (HDHP) and must be 18 years old.

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Jun
20

Understanding Medicare

medicare-sign

Retirement is just over the horizon and while most people have making ends meet during that period on their minds there is another extremely important part of aging that should be explored. Medicare! There is a 7-month initial enrollment period that begins 3 months before you turn 65, the month you turn 65 and 3 months after you turn 65. If you do not sign up during that window of time you will be penalized for late enrollment, which comes in the form of higher premiums (typically a 10% increase premiums).

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May
23

401(k) Options After Separation from Service or In Retirement

401k-options

When you have a job change or are facing retirement there are a number of decisions that need to be made. One of the more significant ones is what to do with your 401(k). The choice may seem straight-forward but it is anything but. When making this decision it is critical to weigh in all the factors to your decision.

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May
07

Tariffs, Trade and the Ultimate Goal with Agreements with China

us-china-trade-talks

It is clear that any perceived direction of the trade talks or tweets from the President regarding tariffs are market movers. No one, with the exception of a few insiders, really knows the true status of the ongoing negotiations between the U.S. and China.

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Apr
02

In-Service Withdrawals

withdrawal

Many believe that their money is locked in when you are a participant in a 401(k) or profit sharing plan through an employer where you are a participating and current employee. However, certain qualifying events allow employees to access their vested balance to either withdraw and/or roll over money from those accounts and still continue to contribute.

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Mar
11

Pay Yourself First

woman-saving-money

Earlier this month, we discussed dollar-cost averaging as a strategy for investing which can offer you a higher average rate of return over the long-term and a seamless means of investing each month without too much pain for your wallet. Today, we will discuss the best way that you can achieve this strategy through the concept called “Pay Yourself First”.

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Mar
01

What is Dollar-Cost Averaging?

dollar-cost-averaging

Market moves can be choppy at times and downright terrifying. This is one reason many would-be investors never take the leap into investing their savings. We know that in order to make your dollars last, we must take on some risk in order to grow them. Then our rational minds try to determine that perfect moment to begin, which in itself is an impossible task - as we all know that trying to time the market is a fool’s errand. You can avoid the stress of getting together a lump-sum to invest and make saving possible without having to overthink it by utilizing the principle of dollar-cost averaging.

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Feb
08

2019 Contribution Limits and Deadlines

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How do the new contribution limits affect you? Retirement contribution maximums have increased across the board for 2019. Here are some of the biggest changes to be aware of this year.

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Jan
16

Tax Law Changes and the Government Shutdown

tax-changes

As the shutdown continues, we would like to urge you to continue to monitor your own tax situation and how it relates to your financials, being prepared for when the shutdown ends as well as continuing to look toward your future. 

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Dec
03

Harvesting Losses

tax-loss-harvesting

Recently, we have experienced a downturn in the markets and while that is frustrating and, at times, downright scary, there are ways that you can take advantage of these tough times. Tax-loss harvestingnot only can decrease your tax liability exposure by offsetting taxable income, it also allows you to indirectly increase your overall return or have the ability to reap the gains from some of your other investments.

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Nov
21

Tariffs, Trade and Global Growth

tariffs-trade

While you may have heard that the economic summit was contentious, to say the least, for the first time in nearly 3 decades the Asia-Pacific Economic Cooperation did not issue a communique. This was largely due to Chinese officials feeling they were singled out by the group for not being transparent.

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Nov
12

How to Disaster-Proof Your Finances

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The fires burning in California and the recent hurricanes on the East Coast have begged the question: how can one disaster-proof their financial house? Often times when a disaster strikes, the last thing on our mind is to snag those important papers—our primary concern is always our life and the lives of our loved ones. But when the dust settles and the rebuild begins, those important papers are going to form the foundation of how quickly you can get your life back on track.

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Sep
11

Charitable Contributions Using RMD’s

charitable-contributions

With the new tax law changes from the 2017 Tax Cut & Jobs act, many Americans will be utilizing the increased standard deduction rather than itemizing. Those of you who are subject to the Required Minimum Distribution (RMD) rules can make distributions to your favorite charities from your IRA.

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Aug
28

Designating Beneficiaries & Owning an Inherited Retirement Account

retirement-beneficiary

What happens to your Retirement account if you pass away? Retirement accounts offer an advantage in the way they can be passed to your beneficiaries without a costly Trust or extensive Probate of your estate. A beneficiary designation allows you to allocate your hard earned savings to your loved ones in any manner you choose. But, there are pitfalls that should be avoided when designating beneficiaries.

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Aug
27

Estate Planning

estate-planning

What happens to all of the wealth you have accumulated after you pass away? That is Estate Planning—making a plan ahead of time to decide who will benefit from all you accumulated during your life. This concept has recently been highlighted by the passing of a music icon. Ms. Aretha Franklin passed away without having a will or a trust in place, meaning her estate and its beneficiaries will be decided through the public probate process. This can be lengthy and costly to an estate.

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Jan
22

DNR – A Life Choice

dnr-form

The California EMS Authority along with the California Medical Association and EMS providers in California developed a PreHospital Do Not Resuscitate DNR Form to instruct EMS to not provide resuscitative measure for patients having a heart attack. This would include CPR, assisted breathing, intubation, defibrillation and drugs to stimulate the heart. It does NOT include treatment for pain, difficulty breathing such as an obstructed airway or asthma treatment, or major bleeding, etc. The form must be signed by the patient or their healthcare decision-maker and be CLEARLY posted or maintained with the patient. California EMS does recognize and honor Medallions or bracelets worn by the patient, however, there are only three Approved Medallion Providers for California: Sticky J Medical ID, based in Florida; MedicAlert Foundation, based out of Salida, CA; and Caring Advocates, based out of Encinitas, CA.

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Jan
14

End of Life and Incompetency Planning

advance-health-care-directive

There are several planning tools at our disposal to help clients handle the often times very unpleasant idea of what happens to both our finances and ourselves if something horrible should befall you. Ones of particular urgency are executing documents for durable power of attorney and advance health care directives.

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Jan
08

High-Deductible Medical Plans

health-savings-account

If you are in very good health, a high-deductible medical plan is an excellent way for you to cut your healthcare costs. Firstly, (and most obvious) it brings down your monthly premium. But, did you know that most of these plans can be coupled with a Health Savings Account (HSA)? You can save up to $3,450 (as an individual) for 2018. This gives us yet another avenue to save toward debts or toward your retirement. It is critical to any financial plan that individuals take advantage of any and all programs that fit their situation.

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Dec
28

Seasonal Cleaning and the New Year

financial-goals

Everyone likes spring cleaning – dusting off the cobwebs, cleaning the windows and letting the light shine through the windows, the freshness of spring and the renewal of the spirits. I’m a bit of an odd bird, though, I like to have that feeling of renewal at the start of every season and winter is no exception. Winter offers us a unique opportunity – like the dawn of a new day – the New Year offers us a fresh start, one that can be even more impactful than dusting off cob webs or even that new gym membership. Ultimately, you are pretty stuck inside anyhow.

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Dec
04

’Tis the Season

busy-season

The period between Thanksgiving and the end-of-year holiday season would seem like a sleepy time for financial planners, but in fact it is anything but. You might be surprised at how much activity takes place on behalf of you and your investments in the final month of the year.

For instance? Even though this has been a good year in the markets, not all investments will have gained value. This is the last opportunity to harvest any losses we find in taxable accounts, by selling investments that have gone down and “booking” the loss. Then we can look for investments that have gained value, sell some of those to offset the losses, and thereby save capital gains taxes in the future. Up to $3,000 of ordinary income can be offset by investment losses as well.

This is also the time of year when mutual fund companies post, in advance, the amount of ordinary income and capital gain distributions they will make to their shareholders. Since the value of the shares drops by the amount that is distributed, this would seem like a non-event performance-wise. But in fact some mutual funds are poised to make 20% or even 30% distributions, and this cash is immediately taxable, unlike gains in the share values, which are only realized when you decide to sell. By selling funds before the distributions, and buying them back later, we can reduce your tax bill this year.

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Dec
01

Dollar-Cost Averaging

dollar-cost-averaging

Are you retiring or changing jobs and have a rollover? Getting a bonus or expecting a large tax-refund. Let’s invest it!

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Nov
20

What to do with your First Eagle Fund settlement check

settlement-money

If you receive a settlement check in the coming days ranging from $10-$40 from FEF Settlement Fund you were identified as a shareholder of a First Eagle Fund during the time which administrative investigations were conducted and proceedings founded by the SEC. You have two options with these checks.

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Recent Comments
Athena Stone, MS, MPAS, CRPC, AIF®
Hi Ms. Westbrook; Thank you for commenting on our blog. We wrote it in hopes to lessen some of the confusion regarding these chec... Read More
Wednesday, 21 March 2018 13:31
Athena Stone, MS, MPAS, CRPC, AIF®
Hi Ms. Weaver; I'm glad you found our little blog - although a little late I suppose. You could try to cash it, you might get luc... Read More
Wednesday, 21 March 2018 13:28
Athena Stone, MS, MPAS, CRPC, AIF®
Visit FEF Settlement website for more details! https://www.fefsettlementfund.com/contact.cfm... Read More
Monday, 12 November 2018 17:07
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Nov
15

Tax Proposal: What does it mean for you?

tax-proposal

There is a lot of discussion happening regarding the recently released GOP Tax Proposal. With pages and pages of proposed changes the most important thing to note is that this is a proposal, certainly not a finished product and the tax overhaul is far from certain. For you, our clients, not much has changed in the kind of preparation we believe you should be doing. As in every year, we want you to review your expenses, income and last year’s returns and of course, look at any what-if scenarios that may be on your horizon.

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Sep
11

How to Respond to a Data Breach

data-breach

You may have read that hackers broke into the Equifax database and stole personal information tied to 143 million people. The hackers accessed people's names, Social Security numbers, birth dates, addresses and, in some instances, driver's license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. There is no reason to think that data is not for sale to criminals who can use it to open new lines of credit or file phony tax refund requests in peoples' names.

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Sep
05

Facts About Powers of Attorney

power-of-attorney

Everybody should have a power of attorney, but not everybody knows exactly what it is or why it's so important.

A power of attorney is a legal document that empowers a person you trust to handle your financial affairs if and when you become incapacitated. While you're up and around, the document just sits in a file. But if you're in an accident and suddenly can't act on your own behalf, the document allows somebody else to make decisions on your behalf—usually temporarily, until you can start handling your own affairs again. At that point, the document goes back in the file, and you're back in charge.

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Aug
16

Teach Kids About Money: Recommended Books

kids-money

Kids have a unique way of blowing any parent's budget. The endless requests of "Can I get ….?" give us a clear indication as parents that children do not understand the value of money, and teaching them important values about spending and saving can be a difficult task.

Spare your budget and your patience by teaching your children the value of money early on and help them become super saving smart adults! We recommend these books to help YOU teach your children about managing money and saving.

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Aug
07

Managing Health Care Costs in Retirement

health-care-retirement

Many people say that their #1 retirement concern is now not outliving their money but the cost of health care in retirement. There is much debate over Medicare and health care costs overall. The important idea to take from this overall concern is that financial planners can be of assistance and bridging this gap can be addressed relatively simply.

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Jul
05

Getting a Grip on Your Credit & Financial Health

checking-credit-score

Credit is an arbitrary idea that affects us all and has a huge impact on our overall financial life. According to the US Debt Clock, the average personal debt per citizen in the US is $56,322. Whether you have good credit or are struggling to take control of your credit, here are some tips to help you navigate this difficult concept.

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Jun
06

Risk Management / Long-Term Investments

risk-management

What is your Risk Tolerance? Identifying and analyzing your preferred level of potential loss is essential in Financial Planning. Once you have saved toward any given goal, the idea is to leverage it so that you can gain more. Risk Management involves the trade off – how much you are willing to risk on the downside to potential gain on the upside.

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May
30

Retirement Strategies

retired-couple

There are many ways to implement plans for your retirement. The two sides of the spectrum of possibilities are to develop a plan and stick to it no matter what, or just go with the flow and see how things play out. Outlining these two options seems almost ridiculous as they represent extreme polar opposites of one another. The reality is that the best plans are those that are well thought out but also allow for flexibility.

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Mar
29

Financial Planning Goals

Financial Planning Goals

Defining one's goals in the Financial Planning process is an integral part of creating a basis for analysis of current financial conditions and how they relate to future plans of action to be developed and implemented. It is critical for goals to be realistic, but more importantly specific and measurable. A Financial Planner can assist you in asking the central questions and guiding you toward how to think about and accomplish your goals. One would develop and recommend actionable steps that can allow you to both prioritize and achieve your goals. Goals can be either short-term or long-term in nature but understanding their role in the overall planning process is important so that you don't mismanage your assets along the way.

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Mar
21

Financial Planning is...

Financial Planning is...

Financial Planning is the comprehensive analysis and evaluation of an individual's current financial state and needs used in the development of a strategy to successfully meet your financial goals in the future. Professionals, like Mike, utilize their knowledge of client's future life goals, transfer plans (in life and death) and future expense needs to develop comprehensive Financial Plans.

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Mar
21

Clear Long-Term

Clear Long-Term

The Federal Reserve has once again raised interest rates by 25 basis points, but is still maintaining their placid stance toward economic policy. This allowed equities last week to end a tumultuous week with a slight uptick. The expectation is that the Fed is going to continue to raise rates very slowly.

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Mar
02

Greece’s Return to the Headlines

Greece’s Return to the Headlines

As you can see from the graph, the nation of Greece, once the subject of almost daily speculation about the viability of its government bonds, has pulled its economy out of a disaster into a muddle. No doubt, you got tired of hearing about Grexit scenarios and all the times when the European Central Bank and the European Stability Mechanism came to the rescue.

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Jan
25

Becoming Debt Free

Becoming Debt Free

Starting off the New Year on a good foot is always preferable but sometimes it takes a little planning and preparation to get you on track, especially when it comes to debt. Facing debt issues can be intimidating but pretending it isn't there makes matters much worse. There is no better time than the present to begin working on your finances and becoming debt free. 

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Jan
03

The Role of Bonds

The Role of Bonds
Bond prices go down when rates go up, and rates are beginning to do just that. Preceding the current environment, we had nearly 30 years of declining interest rates and about 8 years of nearly zero rates. U.S. equities are up, and we are all holding our breath in anticipation of the all-time high 20,000 mark on the DOW so why would someone want to buy bonds? The purpose of bonds in a portfolio is not to generate massive returns.Bonds are an agent of protection against the most dreaded market risk – a crash in equities.In 2008, the last time the markets crashed a allocation that included bonds could have achieved a positive return while at that time stocks were losing 37%, meaning bonds were outperforming stocks. This is not to say that we are going to have a market downturn however, over time, investors holding bonds in their portfolio often experience a less bumpy market ride and fewer losses during downturns. In the bond markets, it's possible that the decades-long bull market—which ...
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Dec
15

Higher Rates: The Tempest in the Teapot

Higher Rates: The Tempest in the Teapot

Anybody who was surprised that the Federal Reserve Board decided to raise its benchmark interest rate this week probably wasn't paying attention. The U.S. economy is humming along, the stock market is booming and the unemployment rate has fallen faster than anybody expected. The incoming administration has promised lower taxes and a stimulative $550 billion infrastructure investment. The question on the minds of most observers is: what were they waiting for?

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Oct
18

IRA vs. 401(k): Which is the better option?

IRA vs. 401(k): Which is the better option?
We can all agree that saving for retirement is a must. The next question is where. Both an IRA and 401(k) can be excellent options for retirement savings. Both offer you tax-advantages, as you don't pay any taxes on the growth of your investments. Typically, costs associated with 401(k) management are higher than those of an IRA plan. However, with many new regulations in the financial industry today, participants are given protection from exorbitant fees. Within an IRA account your investment options can be almost never-ending but many times 401(k)'s limit your investment capabilities to a select offering or have restrictions on investment types. With 401(k)'s most employers offer an "employer match", usually ranging dollar for dollar anywhere from 2%-5% of your salary deferral (depending on the plan). If you elect to not participate you are essentially "leaving money on the table" and forgoing additional monies that are employment incentives – ...
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Aug
25

Costs of Living

Costs of Living

What is a dollar worth?

If you answered that it's worth a dollar, you must be living in Illinois. A research report by U.S. Bureau of Economic Analysis found that the prices for a particular basket of goods and services—food, transportation, housing and education—are higher in some states than others. Illinois came in at almost exactly the average; a $100 bill will buy $100.70 worth of the items. People living in the District of Columbia, the nation's most expensive area, would have to pay, on average, $118.10 for the same basket of items.

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Aug
05

Diversification

Diversification
So far, we have discussed the concepts surrounding building a financial pyramid, risk vs reward, and understanding your own risk tolerance. These ideas give you a clear path in which to create your ideal allocation of investments. Here is where diversification comes in. Whatever your risk tolerance level or what your goals are you must use diversification as part of your investment strategy. So what exactly is diversification? Diversification is allocating your assets across the major asset classes (stocks, bonds and cash) in order to make your best possible return within your risk spectrum. Each class then has a deeper diversification capability – you may take advantage of different investment styles such as growth or value stocks and even further by sector such as technology or healthcare. Diversification is a balancing act that encompasses your risk tolerance. All investments have a certain amount of risk and by utilizing diversification strategies your goal...
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May
25

Risk v. Reward

Risk v. Reward
If you desire high long-term returns, you must be willing to accept the high levels of volatility associated with the types of asset classes that produce such returns. There is a wide spectrum of risk levels among asset classes. Risk is defined as fluctuations in returns from one period to the next. Lower-risk investments, such as cash alternatives (for example, Treasury bills or certificates of deposit), have averaged modest long-term historical returns. Higher-risk investments, such as large, small, and international stocks, have averaged higher returns historically but with more volatility or fluctuations in value. One of the first steps in developing an investment plan is to determine which is most important: return stability or long-term investment performance. Government bonds and Treasury bills are guaranteed by the full faith and credit of the U.S. government as to the timely payment of principal and interest, while stocks and corporate bonds are not guaranteed. Certificates of...
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May
13

Long-term Care Insurance

Long-term Care Insurance
Understanding the risks of needing long-term care and the possibility of incurring substantial expenses is a huge part of financial planning. Proper planning can allow a person to avoid not being prepared for the need for care as you age. Over the last century medical science has been able to greatly increase life expectancy. Individuals are living on average 20-30 years longer and sometimes need assistance with day to day needs. Long-term care is now offered in a variety of settings, such as; nursing homes, assisted living residences, life care communities, adult day-care or even in person's home. A person's health status affects the likelihood of incurring a long stay with catastrophic expenses. It is imperative that you weigh all the risks involved with purchasing or not purchasing insurance. Likewise, understanding what you may need in terms of coverage is prudent. A few tips when shopping for a Long-Term Care Insurance policy are: Buy a policy with a ...
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Apr
28

Your Financial Pyramid

Your Financial Pyramid
When you develop your Financial Pyramid there are numerous factors that you need to be mindful of. One of the most important is the concepts of managing your risk versus reward and diversification. With this in mind it is of critical importance that you start off with a good financial base which mitigates your risks. Insurance needs, including medical, home & car insurance (just to name a few) are imperative for protecting your assets from unforeseen loss. As an example of how this can affect your Financial Pyramid and your overall budget, we once had a client whom had drastically cut their annual budget expenditures. After further inspection, we discovered they had cancelled their medical insurance – thinking that they were young and healthy; they didn't need to be concerned with that "unneeded" expense. At that point, we advised them to immediately reinstate their insurance. They had saved up a large nest egg which they intended to invest in the stock mar...
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Apr
26

IRA Options

IRA Options
Almost everyone can have some sort of IRA. There are Traditional & Rollover IRA's and Roth IRA's. Annual contribution limits have increased over the years, making IRA's much more attractive for saving for retirement. Individuals over age 50 can make additional "catch-up" contributions each year. If you are not participating in an employer sponsored 401(k) plan you may contribute to a deductible Traditional IRA at a maximum of $5,500 per year or $6,500 for those over 50 years of age. Additionally, if you do participate in an employer sponsored plan and income allows you may make a non-deductible contribution to a Traditional IRA and then further transfer the contributions to a Roth IRA, making them non-taxable upon withdrawal through the use of a Roth Conversion. The Roth IRA has become a popular way to expand retirement investing for many investors because, although contributions are not tax deductible, Roth distributions can be tax free if certain conditions ar...
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Apr
26

What is Compound Interest?

What is Compound Interest?
Compounding can seem like a complex concept however, it is quite simple – the longer amount of time you give your money to accumulate the more they have the potential to accrue. Compounding can be thought of interest paid on interest, in other words, deposits can grow at a faster rate. As an example, Investor A saves $2,000 per year for the first 10 years of a 20 year time period. Assuming a 6% annual return her investment would be worth $50,042. Likewise, Investor B saved $3,000 per year during the second 10 year period of a 20 year time period. Assuming the same annual rate of return Investor B would have only accumulated $41,915. Even though Investor B saved more principal than Investor A the earnings of Investor A had longer to grow and therefore they ended up with a larger nest egg. Albert Einstein called the power of compounding the 'eighth wonder of the world'. The bottom line here is to make your money work for you, start saving early and often.
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Apr
13

2016 First Quarter Report: The Bear That Wasn’t

2016 First Quarter Report: The Bear That Wasn’t
The first quarter of the new year has brought us small positive returns in many of the U.S. market indices, which means that investors survived—for now, at least—the worst start to a calendar year ever for the U.S. stock market. The easy call at the beginning of the year would have been to bail out when the markets were declining and sit out the widely-predicted start of a painful, protracted bear market. Some analysts were talking openly about another 2008-9 drop in share prices. But 10% market declines are simply a part of the market's normal turbulence, and anyone who spooks as soon as they see a month of bearish sentiment is likely to miss out on the subsequent gains. Since hitting their 2016 lows on February 11, both the S&P 500 index and the Nasdaq Composite have gained roughly 13% in value. That doesn't guarantee that there will be gains going forward, however. The Market Watch website reports that half of the S&P 500 sectors are reporting declin...
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Mar
04

Difference between a Traditional IRA & a Roth IRA

Difference between a Traditional IRA & a Roth IRA

Do you know the difference between a Traditional IRA & a Roth IRA??

IRA accounts, otherwise known as, Individual Retirement Accounts are a way for to save for retirement. A Traditional IRA can be funded with pre-tax contributions and can be a tax deductible (check with your tax advisor) and grow tax-deferred until age 70 ½ (when the IRS requires you to begin distributing the assets).When you retire and draw on the funds, the money would be taxable as ordinary income.Theoretically, you would be in a lower tax bracket during the withdrawal phase.It is important to note, that any distributions taken prior to 59 ½ are subject to both taxes and an early withdrawal penalty from the Fed of 10% and the State of 2.5%. 

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Feb
12

Don’t Try to Catch a Falling Knife

Don’t Try to Catch a Falling Knife

There has been much discussion over the last month and half about Bear Markets, Sell-offs, the Global economy and a possible Recession. The vast majority of analysts believe we are not in a recession (neither the U.S., China, nor Europe) and that most economic indicators seem to point to the fact that overall the U.S. economy is strong. In fact, most analysts indicate that there is only a 20 -30% chance of a recession in the making for the U.S. In addition, trucking and retail industries are showing signs of stabilization indicating that things did not get worse in January. The factors that are seemingly the 'cause' of this downturn are angst surrounding global growth, politics, oil and Euro banking woes and each day one or another have been blamed for the sell-off during this downturn. However, none of them should be a catalyst for the down market indicating a true disconnect between reality and what investors in the market are thinking. It is important to note that when investors are buying in huge rallies it's traditionally thought the market has created a herd mentality however, when they are selling in bulk during downturns there is an assumption they are right.

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Feb
04

Staff Profiles: Athena Stone

Staff Profiles: Athena Stone

​My name is Athena Stone. Growing up as an "Army Brat," I moved all over the country and even lived overseas for a time. My father and both of my brothers have proudly served our country which I am very honored by and has greatly influenced who I am. 

I live in Lodi with my husband, Jon, and our four children, Kylee, Samantha, Mack and baby Myles. Being a wife and mother with a full-time career is challenging, but I feel my upbringing and my family enable me to bring a unique perspective to my role as an Advisor and Financial Planner.

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