Tess Miller graduated from the University of the Pacific with a Bachelor of Science degree, and has extensive experience in hospital laboratory work. She moved here with her family in 1987 and took up the studies to become a Certified Financial Planner. After successfully completing these studies, she was licensed by California as a life and health insurance agent, and by NASD as a Series 7 Investment Securities Representative. In 1995, Tess teamed up with Rich Campbell and Fred Crummey, who offered her the independence she wanted and allowed her to pursue a career based on honesty and excellent client service. As part of this team, her clients have access to all three professionals' expertise and services