Professional Focus and Services
My role as a financial planner and investment advisor is to assist my clients in reaching an understanding of the money matters in their lives and making informed financial decisions. Though my special interest is values or mission-based investing, also known as socially responsible investing (SRI), I work with clients across the full range of investment opportunities. Those clients include individuals, businesses, and organizations.

I have always advocated diversity and balance as the key principles in investment. I work with clients to develop portfolios that fit comfortably with their time frames and risk tolerances. As a fiduciary, I am legally required to put my client’s interests before my own.

I am a full-disclosure financial advisor, which means that I clearly explain up front the options for services I will provide and the costs the client will incur. I work on either a fee basis—hourly or asset-based, meaning a percent of the amount under management—or commission. The first hour of consultation, the exploratory meeting in which I review client information/needs and explain my service, is free.

• A fact-finding overview or check-up. This diagnostic step focuses on legal obligations, insurance needs, tax management, investment goals, cash flow, budget and similar matters. It may be accomplished face-to-face or over the phone.
• Analysis of financial information to identify areas that require attention.
• Presentation of a financial plan that lays out the strategy for achieving financial goals.
• Periodic reviews to assess the success of the plan implementation.

Other services I offer include: financial seminars on socially responsible investment, basic investment and financial wellness; social profile screening of investments, and; selecting/creating/maintaining retirement plans for small and large businesses.

Professional Affiliations

• American Institute of Certified Public Accountants (Personal Financial Specialist Division)
• Financial Planning Association
• Social Investment Forum
• Wisconsin Institute of Certified Public Accountants
• First Affirmative Financial Network (FAFN)
• Co-op America

Education and Experience

• Accredited Investment Fiduciary® (AIF®) Designee
• Licensed General Securities Principal
• Personal Financial Specialist
• Licensed General Securities Representative
• Certified Public Accountant
• Certified Financial Planner™ (CFP®) Certificant
• MS Accounting, University of Wisconsin, Madison
• MS Resource Economics, University of New Hampshire, Durham
• BA Botany/Ecology, Goddard College, Plainfield, Vermont

From 1979 to 1996, becoming an associate professor, I taught undergraduate business and accounting at the University of Wisconsin-Marshfield/Wood County. In 1989 I took a one-year sabbatical leave to live and work in Kuala Lumpur, Malaysia where I taught business and economics in an associate degree program for Malay students coming to the United States.

Community Involvement
In the mid-70s, my husband and I made a decision to build our lives in the rural heart of Wisconsin. Community involvement has been a significant part of our life in Marshfield, and we receive as much as we give. Over the years, I have served on the boards of Central City Credit Union, Main Street Marshfield, the Marshfield Area Chamber of Commerce and Industry (MACCI), the Marshfield Area Community Foundation, and Saint Joseph’s Hospital. I am past president of the Marshfield Rotary Club and the Marshfield Area Chamber of Commerce and Industry president for 2005. One of my favorite local activities has been as head of the Downtown Flower Project, since, as a gardener, it got me out of the office and into the soil. Other civic programs important to me include Marshfield Sister Cities and the Marshfield Cultural Fair. Both have helped to open connections from our small community to the larger world.Back to Top

Disclaimer
Investment Advisory Representative of First Affirmative Financial Network, LLC
First Affirmative is an independent Registered Investment Advisor registered with the Securities and Exchange Commission. *Lifetime Financial Services, LLC is not a Registered Investment Advisor with the SEC.Back to Top

The credential(s) CFP®, AIF® listed above page bear trademarks; for technical reasons, trademarks are not shown above. We appreciate your understanding in this matter.