because I want to make a difference in the lives of others.

the San Francisco Bay Area. However, with more people connected virtually, I can now work with people in other parts of the country. I now have members in Arizona, Missouri and Nevada.

life insurance, annuities, stocks, bonds, ETFs and mutual funds.

people approaching retirement. Retirement is one of the biggest financial decisions in most people's lives. I can help you make the best decisions with proper distribution and general planning.

the University of California, Santa Cruz, graduating with a degree in economics. I took a lot of finance classes. I enjoy solving problems with numbers more than with words. I've been like that for as long as I can remember.

working with a woman who was unsure if she could retire. She worked well past the normal retirement age because she didn’t know if she could stop. I ran her numbers and some scenarios. We determined she had enough savings her money to last the rest of her life. She was very grateful. This was a turning point in my career.

worked as a banker and ran a side business cutting hair for about six years. It made me realize I enjoy being with people and having great conversations. In that way, by stint as a barber led me to where I am now.

I really liked Modern Woodmen’s business model; it exists for the benefit of its members and the community. I came to this business to help people, and the model reflects my ideals and beliefs. I felt like I could see myself here in the long run. Every year, we donate millions back into the community.

At the end of the day, I can shut my office door feeling like I’ve brought value to someone, made their life a little bit better, and that they walked out of my office a little bit better informed.

A member is famous on YouTube, with about 2 million subscribers, for cleaning shoes.

I look at life in a very holistic way. I want to be there for you from the day we start working together, through retirement, until the day you pass away. Money is an ongoing part of our lives. It continuously affects us and every time something changes in your life, your money situation changes, too. I want to be there every step of the way to help however I can.