I believe in a realistic approach to financial literacy and want to equip you with the spirited initiative to allow you to focus on your future.  I am a lifelong learner with a Bachelor's degree in Accounting from Bethune-Cookman University and a Master of Business Administration degree from the University of North Florida with an emphasis in Finance.   Additionally, I completed leadership training at Harvard University's John F.  Kennedy School of Government.  My career began as a hospital accountant and I later worked 32 years for the Federal government. Career experience:  Certified Fraud Examiner, Certified Master Financial Coach, Auditor, Educator, Entrepreneur, Adjunct Professor, Community Development Specialist, Financial Analyst, Senior Account Executive, Community Volunteer.