Penny earned a BSc. in Mathematics from the University of Wales Institute of Science and Technology in Cardiff, Wales. Penny is licensed as an Investment Advisor Representative. Prior to joining The Kocen Financial Group, Inc. in 2019, Penny worked in financial services in Santa Cruz, CA. She also spent several years in Software Development in Silicon Valley, CA. Penny is responsible for managing the marketing and communication program, as well as managing the compliance functions within the firm.