Cathy Lu Espel, CFP®, CSLP
Nashville,TN
Summary
Detail-oriented Financial Planner recognized for delivering customized financial plans and effective withdrawal strategies. Strong background in working with physicians and retirees to navigate complex financial landscapes, ensuring optimal outcomes.
Overview
2
2
Languages
13
13
years of professional experience
Work History
Financial Planner, VP
First Horizon Bank
Nashville, Tennessee
05.2020 - Current
- Crafted tailored financial plans to meet unique client objectives and requirements.
- Evaluated retirement scenarios for clients nearing retirement, delivering comprehensive withdrawal strategies for Social Security and retirement accounts.
- Analyzed business owners' income, expenses, insurance coverage, tax status, and financial and investment goals to create a comprehensive business succession plan.
- Developed strategies for physicians to navigate student loans, conducting gap analyses for life and disability insurance policies to identify coverage needs.
- Leveraged financial planning software to produce detailed reports and forecasts for clients.
- Collaborated with estate attorney to design estate planning strategies that align with clients' financial objectives.
Senior Credit Consultant
First Horizon Bank
Memphis, Tennessee
01.2014 - 04.2020
- Realized $250 million in savings by recalibrating system parameters, including probability of default and loss given default.
- Developed logistic regression economic capital model for risk-adjusted returns, ensuring vendor and in-house model discrepancies remained under 3%.
- Prepared quarterly reviews of $41 billion portfolio concentration limits, informing chief credit officer's strategic decisions.
Education
Master of Arts - Economics
University of Tennessee
Knoxville, TN05-2013
Bachelor of Arts - Economics
State University of New York At Stony Brook
New York, NY05-2010
Skills
- Certified Financial Planner
- Certified Student Loan Professional
- License: SIE, Series 7, Series 66
- Life and Health Insurance License
- Estate planning
- Student Loan Planning
- Cash flow management
- Retirement analysis
- Investment strategies
Languages
English
Native/ Bilingual
Chinese (Mandarin)
Native/ Bilingual
Affiliations
- Co-chair of Women Initiative of First Horizon Bank at Nashville
Timeline
Financial Planner, VP
First Horizon Bank
05.2020 - Current
Senior Credit Consultant
First Horizon Bank
01.2014 - 04.2020
Master of Arts - Economics
University of Tennessee
Bachelor of Arts - Economics
State University of New York At Stony Brook