With more than 30 years of experience in financial and retirement planning, I have dedicated my career to helping individuals and businesses make confident financial decisions that lead to lasting security. As the owner of Pathway Wealth Management, I have the freedom to put my clients' interests first—always. I earned my Bachelor of Science in Foreign Service from Georgetown University's School of Foreign Service and hold the Chartered Life Underwriter (CLU®) and Chartered Financial Consultant (ChFC®) designations. Throughout my career, I have worked with individuals preparing for retirement as well as businesses seeking financial consulting, retirement education seminars, and guidance for their employees. My clients often share the same concerns: "Will I outlive my retirement income?" "How can I minimize taxes in retirement?" "When should I claim Social Security?" "How do I navigate Medicare?" These are significant questions that deserve thoughtful, personalized answers—not one-size-fits-all solutions. What sets Pathway Wealth Management apart is our independence. Because I own my firm, I am not limited to a single company's products or philosophy. I have the flexibility to recommend the strategies, investments, and solutions that best fit each client's unique circumstances. While I work independently, I am never alone. I collaborate with a trusted network of experienced professionals who provide specialized expertise whenever my clients' situations require it. Another distinction is my extensive knowledge of Medicare. Retirement planning is about much more than investments—it is about preparing for every aspect of retirement, including healthcare. Medicare is one of the most confusing pieces of the retirement puzzle, and I take pride in helping clients understand their options, avoid costly mistakes, and feel confident about their healthcare decisions. The foundation of my practice is built on integrity, compassion, and empathy. I believe people spend decades working hard, saving diligently, and making sacrifices to build their retirement. It is a responsibility I take very seriously. My role is not to recommend what benefits me—it is to recommend what is genuinely in my clients' best interests. My passion for this work began long before I became a financial planner. I watched my own parents struggle as their retirement savings had to stretch farther each year. Inflation gradually reduced their lifestyle to little more than the basics. That experience showed me how important thoughtful planning can be and inspired me to help others avoid the same uncertainty. Financial planning can be overwhelming because most people are experts in their own professions—not in the ever-changing world of retirement planning, taxes, Social Security, investments, and Medicare. My goal is to simplify those complexities so my clients can make informed decisions with confidence. When clients leave my office, I want them to feel secure in the plan we've created together, confident in the decisions they've made, and relieved to know they have a trusted professional walking beside them. Retirement should be something to look forward to—not something to fear. Outside of my practice, I enjoy traveling, learning about different cultures, reading, and continuing my own education. I am also passionate about giving back to my community through several charitable organizations and by serving as a foster dog mom. Whether you are planning for retirement, navigating Medicare, developing tax-efficient retirement strategies, or seeking guidance for your financial future, I would be honored to help you build a plan that allows you to move forward with confidence.