has worked in personal finance for 26 years, including 23 years of supporting the military community through both professional roles and volunteer service. She is passionate about helping individuals improve their financial literacy and confidence so they can make informed decisions and achieve financial freedom. A graduate of the Military Spouse Fellowship Program, Josephine holds the Accredited Financial Counselor® (AFC®) and Project Management Professional (PMP®) certifications, as well as a Master of Science in Management (MSM).