Cheryl is an Analyst Relationship Director and has passed her Series 7, 63 and her Life/Health and Property and Casualty exams. She also graduated from The American College earning the designation of Chartered Life Underwriter (CLU). She has more than 20 years of experience helping clients realize their financial and retirement goals. Cheryl enjoys travel (mostly by cruise ship) and scrapbooking her adventures. She is married to Terry Smith, whom she traveled across the globe with in his Air Force career. They have three children and five grandchildren.