Nancy Deren opened her private practice in 2001 to assist clients in developing the confidence, practical skills, and understanding to deal with a broad range of day-to-day money matters, and to plan for life transitions.  She received her certification as a Financial Recovery SM Counselor from the Financial Recovery SM Institute’s training program in December 2000. She completed a program in co-active coaching from The Coaches Training Institute in 2002, and received her AFC®, Accredited Financial Counselor designation, in January 2004. She is a member of the Association for Financial Counseling and Planning Education and the Financial Planning Association. Nancy has served on the board and investment committee of a private foundation since 1994. She helped develop the investment policy guidelines for the board, including the incorporation of social justice, women’s, and environmental issues in their financial management and decision-making. She managed two custodial accounts for 14 years and has assisted family members in various aspects of personal finance planning.