Action-driven, motivated, experienced, diligent, extremely detail-oriented Financial Planner with strong initiative and genuine passion for helping clients achieve financial fitness through an ethical, objective, customized, and disciplined approach through clients' eyes.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Financial Planner, Centralized Planning Group
Charles Schwab & Co
Phoenix, AZ
11.2015 - Current
Crafts comprehensive financial plans for clients tailored to individual needs and objectives through a thoughtful discovery process and analysis of financial data and projections.
Provides holistic guidance to clients on retirement income planning, investment planning, banking and credit management, education and family support, risk management and insurance planning, estate planning, and tax planning.
Develops action plans for clients and business partners, helps bring new assets to firm, helps drive additional solutions and retain business.
Learning Manager, Schwab Portfolio Consulting
Charles Schwab & Co
Phoenix, AZ
01.2014 - 11.2015
Collaborated with department heads to design effective learning strategies that support organizational goals.
Organized and coordinated training sessions for Portfolio Consulting employees.
Developed training materials, including manuals, guides and handouts.
Created post-training evaluation surveys to measure performance improvement.
Portfolio Consultant, Schwab Private Client
Schwab Private Client Investment Advisory
Phoenicia, AZ
05.2002 - 06.2012
Charter member of Charles Schwab's first fee-based relationship advice service, and one of eight portfolio consultants in Phoenix.
Responsible for partnering with high net worth investors to analyze, construct, monitor, and review investment portfolios on a non-discretionary basis.
Recommended customized banking, insurance, retirement planning, cash flow planning, college planning, and stock option analysis solutions.
Helped grow practice to over $300 million in assets and over 240 clients.
Effectively retained client relationships through several difficult business transitions.
Senior Investment Specialist, Retail Advice Team
Charles Schwab & Co
Phoenix, AZ
05.1999 - 05.2002
Chosen as one of eight team members in Phoenix to launch Schwab's first advice service.
Responsible for working referrals from internal partners and selling one-time portfolio consultations for a flat fee dependent on portfolio complexity.
Worked with investors to analyze and construct investment portfolios appropriate to their goals and circumstances.
Elected to serve as Team Manager where responsibilities included: mentoring and coaching peers with their skill development, auditing team's investment recommendations to ensure appropriateness, writing and delivering quarterly reviews, and screening, interviewing, and hiring new Investment Specialists.
Registered Customer Service Representative
Charles Schwab & Co
Phoenix, AZ
01.1998 - 05.1999
Chosen as team point person for quality assurance and trained peers to improve their scores.
Chosen for pilot program testing mutual fund advice to clients and led team in productivity.
Received first promotion within three months.
Education
Bachelor of Science - Finance
Arizona State University
Tempe, AZ
12-1997
Skills
Over 28 years professional experience
Expertise with investment planning, Social Security planning, Medicare planning, retirement income planning
Highly skilled in building rapport with, advising, and educating clients with different levels of investment experience, knowledge, and risk tolerances
Extremely strong reputation with Financial Consultants and Retail Branch Managers, Independent Branch Leaders and their staff, and peers
Fluent in Thai and Laotian languages
Affiliations
Part of costume team and new parent liaison at children's theatre
Room parent and volunteer at daughters' schools
Accomplishments
25 Years of Service at Charles Schwab
Portfolio Consultant of the Quarter Award
Chairman's Club Awards
Key Contributor Award
I Am Chuck Award
Top Investment Consultant Award
Employee of the Month Awards
Outstanding Net New Asset Gathering Performance Award
Lifesaver Award
Unsung Hero Award
Phoenix National Investor Services Team of the Year Award
Best of The Best Award
Superior Productivity Award
Certification
CERTIFIED FINANCIAL PLANNER™
Retirement Income Certified Professional ®
Series 7, 9, 10, 63, and 66 Securities Licenses
Life, Health, and Variable Annuities Insurance License
Senior Team Manager- Financial Planner (PL), Centralized Planning Group at Charles SchwabSenior Team Manager- Financial Planner (PL), Centralized Planning Group at Charles Schwab
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.