Monica Brown has been an independent financial advisor since 1994. She earned her bachelor’s degree in education, using that background to break down complex financial concepts and explain them to clients in a way that makes them easy to understand. Monica also earned a Master of Science in Financial Services in 2003 from The American College. She holds the Chartered Financial Consultant (ChFC) designation, the Chartered Advisor for Senior Living (CASL) designation, as well as the Retirement Income Certified Professional designation. Monica is a member of the Baltimore chapter of The Society of Financial Services Professionals as well as Women in Insurance and Financial Services (WIFS). In her spare time, Monica enjoys anything associated with the water: swimming, boating, scuba diving, and kayaking. She also enjoys hiking and running.