PERSONAL

I was born in Montana and grew up in a small farming community in Montana, the youngest of four children.  My parents had been farmers, but changed careers and became small business owners when I was a toddler, running a grocery store in Denton.  I went to college at Montana State, completed my MBA through the University of Montana, so I can legally claim that I am both a Bobcat and a Griz fan!  (Although when it comes to CatGriz football, I still bleed blue and gold) My passions would include wine tasting, white water rafting, golf, and I would have to say my greatest passion (other than my family and two grandsons, Kasen and Colton!) is animal welfare.  I have always loved cats, horses and dogs, pretty much in that order.  I still live and recreate under the Big Sky.  I have two beautiful, talented, successful daughters, both of whom I pretty much raised as a single parent since 1989.  Jaymee, an honors grad from Washington State, is currently a free-lance social media consultant, and Heather, also an honors grad from Washington State, is Mom extraordinaire and Director, Global Campaigns, for Amazon, at their Seattle headquarters, where she oversees office teams in NYC, Paris, London and Tokyo.  I believe in giving back.  I served six years on the National Council of Kappa Delta Sorority as National Vice President, Finance, and recently served for eight years as the Vice Chairman of the Investment Committee for Montana State University Foundation.  I have also served and on various National Committees for Kappa Delta Sorority and the National Panhellenic Conference.  I recently served on the Board for the United Way of Cascade County, and as a member of the Board of Trustees--of the Great Falls Animal Foundation.

WEALTH MANAGEMENT APPROACH 

I employ a wealth management approach that integrates your objectives into a customized plan that can be updated as life changes occur.  I utilize our sophisticated Envision^® planning program with Wells Fargo Clearing Services professional resources where I strive to manage risk through strategic asset allocation.

MY PROCESS 

I work with businesses, foundations and a select number of high-net-worth individuals and families. I focus on striving to build wealth and deriving income from that wealth, as well as transferring wealth in a tax efficient manner.  I help accomplish this through a disciplined approach of risk assessment, risk management and asset allocation.

• Understanding Your Financial Objectives---

        I begin by asking questions to understand you, assess your goals and determine your financial objectives.  Time honored strategies, including Modern  

        Portfolio Theory are then employed to qualify and quantify your financial and personal information, and customize a strategy to best fit your objectives.

• Implementing Thoughtful and Creative Solutions---
• I use these strategies to develop solutions tailored to your specific objectives, drawing from a wide selection of world-class products and services.  
• Providing Timely, Ongoing Service---

           Touch base for Service and Review - I can meet with you as your life and markets change to help ensure your financial objectives are being met.

QUALIFICATIONS

I have been assisting clients in working toward achieving their financial goals since 1988.  In addition to my B.S. and my MBA, I am a CERTIFIED FINANCIAL PLANNER™ professional and have also earned certifications as a Certified Investment Management Consultant (CIMC^®) and Certified Investment Management Analyst (CIMA^®) professional.  I think it is important to continue to advance my professional development to better serve my clients, and frequently attend professional conferences. I have completed specialized training dealing with the wealth management process.  This process concentrates in the areas of business and retirement planning, insurance solutions, charitable giving, advanced investment strategies and estate and trust planning strategies.

Asset allocation and diversification cannot eliminate the risk of fluctuating prices and uncertain returns nor can they guarantee profit or protect against loss in declining markets.

I do not provide tax or legal advice.  I will work with your independent tax/legal Advisor to help create a plan tailored to your specific needs.