1) What was the turning point for you in deciding to change careers?
After I left England, I moved to the United States. I just wanted to accelerate my college education and finish it quickly so that I could start making money and be my family’s savior. I moved to the States for more affordable options. I attended a community college in Seattle and graduated from the University of New Hampshire. I decided to study finance, hoping that the degree would give me the knowledge on how to become rich sooner. While in school, I tried to make money from several different channels, started a few different businesses with friends, and invested in options and penny stocks. But like what your advisors would normally tell you: “Don’t try to beat the market.” I lost money from those risky moves. Looking back, what helped get me through my hardships were: (1) the support from friends; (2) my personal emergency fund (which I had before my family hit rock bottom); (3) discipline for a long-term financial plan; and (4) my stable college jobs like tutoring in economics, financial accounting and statistics, and being a teaching assistant for microeconomics. During my last two years of college, I worked as an economic forecasting analyst for a professor at my university, and then as one of the 35 financial analyst students specially selected to manage the university’s endowment. Then, through working with affluent clients in the wealth management business, I slowly discovered that I had put the wrong attention on MONEY matters. Prosperity and happiness are far beyond money. There is also knowledge, health, and mental wellness. Financial planning is not about getting rich, it is about long-term planning for your money so it works for your values.
2) What lessons have you learned from your past work life that you’ve brought to MC?
3) Empowering a customer or client is something many of us hope to achieve in our work. What opportunities have you had to accomplish this in the past?
I believe in the power of financial literacy. I want to be able to extend my knowledge to others who do not have the means. I strive to promote financial literacy to the public by providing free financial workshops for my local community. I also volunteered with San Diego Junior Achievement to promote financial literacy to middle school and high school students. I was an active member of the Financial Planning Association (FPA) and the National Association of Personal Financial Advisors (NAPFA). I co-founded a small women-advisor-only study group that is comprised of younger minority advisors. We have learned the power of having a community of friends and peers to turn to for advice and support. I was humbled and honored to be a recipient of the 2019 Diversity and Inclusion Scholarships for both FPA and NAPFA. These awards were granted to professionals willing to demonstrate and act upon an intense desire to affect the diversity of the financial planning profession.