A driven and dedicated financial life coach for all clients, I strive to give the service I expect to receive. If I cannot accomplish what is needed, I will recommend someone who can. I specialize in retail and commercial lending, as well as, deposit growth. I pride myself on budget planning, consolidation and doing my best for a long-term result that will place my client in a position to afford life changes. In respect to lending, I also look at the bigger picture. There is no such thing as a quick fix. Whether it is refinancing to get new windows, consolidate debt or simply lower your term/payment there is a bigger picture and long term effect. I give suggestions to my clients by showing them what they request and the "what ifs", letting them choose what is best by giving another option. I open the box to lending with me possibilities can be endless and financial struggle can end. I have a wonderful family and know that everyone experiences life changes. I am here to help hold down the harness on the financial roller coaster of life. From a basic checking, to your first home, through the first savers and the new addition, finally getting you into the interest bearing money market, the new car because your passing yours down, referring you to investment specialists, setting up your IRA, listing beneficiaries then starting over with your children making sure they have the financial guidance needed to prosper I will be here on the largest hill holding the harness securely in place.