Johanna is one of the most beautiful souls I have had the pleasure to meet and work with!  I know very little about money and finances.  She took the time and explained everything so well to me, and I can honestly say I now feel comfortable and empowered in making smart decisions regarding my future.  She is extremely knowledgeable in her field of work, personable on every level, and I can tell that she truly loves what she does.  I would recommend her to anyone and everyone. Thank you so much Johanna!