With more than three decades of experience in financial services, I am passionate about building enduring relationships with clients through personal service, objective advice, and disciplined investment management. I began my career in 1991 as an Assistant Cash System Analyst for the Los Angeles County Treasurer and Tax Collector, Cash Management Division. I joined Merrill in 1993.Today, I am honored to serve the financial needs of high-net-worth individuals and families, including executives, professionals, and business owners who have complex wealth management needs. In addition to working with a diverse clientele, I have a profound understanding of the needs of police officers nearing or already in retirement. I also serve as a bridge between generations to help address the financial needs of your children and grandchildren, and I am proud many of my new relationships come from referrals.The foundation of my approach starts with listening. I ask detailed questions to help you articulate what you’re trying to accomplish with your wealth. Whether your objectives are capital preservation, securing your lifestyle in retirement, providing for a child or grandchild’s education, or arranging for the tax-efficient transfer of wealth to the people and causes you care about, my personalized approach to wealth management encompasses every phase of your financial life. I strive to educate you about complex topics without jargon so you understand exactly what I’m recommending, the reasons behind my recommendations, and the associated fees.I am committed to continually improving my skills and knowledge and have earned several professional designations that help me stay abreast of new ideas, innovative approaches, and industry trends. After earning my bachelor’s degree in finance from California State University Los Angeles, I earned the CERTIFIED FINANCIAL PLANNER®, CFP® certification, as well as the Chartered Retirement Plans Specialist™ CRPS™ designation. Additionally, I hold the FINRA Series 7, 63, and 65 registrations and California insurance licenses for life, health, long-term care, and variable contracts.As a Portfolio Manager, I can help you pursue your objectives by managing on a discretionary basis my own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Furthermore, I believe that everyone is unique in their goals, objectives, risk tolerance, and time horizon so the tailored investment portfolios I create are reflective of who you are and what you want to accomplish.On a personal note, I am actively involved with several environmental causes. I enjoy building awareness through education and by working on projects with various organizations and schools in my local community. Additionally, I am a member of Bank of America’s Women’s Exchange of Orange and Los Angeles counties (serving as Treasurer).## Recognitions****Named to the 2023 and 2024 Forbes “Top Women Wealth Advisors Best-in-State” list.*Published annually in February. Rankings based on data as of June 30 - Sept. 30 of prior year.***Named to the 2021 Working Mothers “Top Wealth Advisor Moms” list.**Published on October 12, 2021. Rankings based on data as of Mar 31, 2021* *Forbes “Top Women Wealth Advisors Best-in-State” list. Opinions provided by SHOOK® Research, LLC and is based on in-person, virtual and telephone due-diligence meetings that measure best practices, client retention, industry experience, credentials, compliance records, firm nominations, assets under management and Firm-generated revenue (investment performance is not a criterion). SHOOK’s rankings are available for client evaluation only, are not indicative of future performance and do not represent any one client's experience and available for investor help in evaluating the right financial advisor and should not be considered an endorsement of the advisor. Compensation was not received from anyone for the study. Past performance does not guarantee future results. Details available at www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.*2021 Working Mother/SHOOK Research’s “Top Wealth Advisor Moms” list. Opinions provided by SHOOK® Research, LLC considered women advisors with children living at home under 21 years of age and is based on telephone and in-person interviews and surveys: service models, investing process, client retention, industry experience, review of compliance records, firm nominations, etc.; and quantitative criteria, such as assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s rankings are available for client evaluation only, are not indicative of future performance and do not represent any one client’s experience and do not guarantee investment success or higher level of performance results and not an endorsement of the advisor and should not be considered an endorsement of the advisor. Compensation was not received from anyone for the study. Details available at the SHOOK Research website. SHOOK is a registered trademark of SHOOK Research, LLC. Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER® *certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.**Chartered Retirement Plans Specialist™, CRPS™, and the CRPS™  logo  are certification marks or registered certification marks of The College for Financial Planning Institutes Corp. in the United States.**A Portfolio Manager can help clients pursue their objectives by managing on a discretionary basis her own Personalized or Defined Strategies, which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies.*Merrill Life Agency's California License Number 0522776