Arleth Espino
Oceanside,CA
Summary
Finance student at San Diego State University pursuing the CFP track, graduating May 2026. Experience supporting financial reporting, expense tracking, and documentation in a healthcare finance setting. Seeking to begin a career in wealth management or financial planning.
Overview
3
3
years of professional experience
Work History
Personal Assistant
Private Client
Oceanside, CA
02.2023 - Current
- Managed complex scheduling, vendor coordination, and record-keeping for a private household and business-related activities.
- Processed receipts and organized financial documentation to support monthly budgeting and expense reconciliation.
- Communicated with multiple stakeholders to coordinate logistics and deadlines, demonstrating initiative and discretion.
Finance & Administration Intern
Tri-City Medical Center
05.2025 - 01.2026
- Compiled and reviewed financial reports, invoices, and compliance documentation for the Finance and Administration Department.
- Maintained Excel-based tracking sheets for expenses, reimbursements, and departmental budgets.
- Supported the preparation of internal documentation used for audits and executive meetings.
- Collaborated cross-functionally with administrative and accounting staff to streamline workflows and ensure financial data consistency.
Education
B.S. - Financial Services
San Diego State University
San Diego, CA05-2026
A.S. - Business Administration
Palomar College
San Diego, CA05-2024
Skills
- Financial Analysis
- Excel (Data Tracking, Budgeting)
- Financial Modeling (Basic)
- Investment Fundamentals (ETFs, Asset Allocation)
- Data Analysis & Visualization
- Microsoft Office (Excel, PowerPoint)
Relevant Coursework and Projects
Coursework
- Financial Modeling & Forecasting (Excel-based)
- Personal Financial Planning (CFP-aligned)
- Risk Management & Insurance Analysis
Projects
Investment Policy Statement (IPS) Portfolio
- Constructed a diversified ETF portfolio aligned with a 3–4 year client horizon and moderate risk tolerance
- Analyzed expected return, standard deviation, and Sharpe ratio to evaluate portfolio performance
- Assessed portfolio shortfall risk and recommended a conservative reallocation strategy
Financial Modeling & Valuation (DCF & DDM)
- Developed discounted cash flow and dividend discount models to estimate firm and equity value
- Applied WACC and growth assumptions to calculate intrinsic value and analyze sensitivity to key inputs
Time Value of Money & Compounding Analysis
- Modeled impact of compounding frequency on investment growth using Excel
- Visualized results to compare return differences across scenarios
Additional Involvement
- Finance and Investment Society: Engaged in meetings focused on financial markets, investing strategies, and career development in Finance.
- Women in Business: Engaged in professional development workshops and networking events focused on leadership and financial careers.
- International Business Society: Contributed to group projects analyzing international markets and currency risks.
Languages
- English, Fluent
- Spanish, Fluent
Timeline
Finance & Administration Intern
Tri-City Medical Center
05.2025 - 01.2026
Personal Assistant
Private Client
02.2023 - Current
B.S. - Financial Services
San Diego State University
A.S. - Business Administration
Palomar College