Joan Perry has developed her expertise over twenty-five years, beginning as an Investment Banker working on Wall Street and continuing as a Money Manager and Owner of a Securities Brokerage Firm. As President of Take Charge Financial!™, Joan initially founded one of the first female-owned Municipal Investment Banking firms in the United States known as Perry Investments Inc. in 1985, which then began retail and brokerage services to individuals in the mid-90s. She has in-depth trading and market experience from managing institutional and retail investment dollars in the securities markets, and throughout her career has managed billions of dollars in the bond, stock and options markets. Joan combined her personal and professional background in her book A GIRL NEEDS CASH© published by Random House in 2000 - a story of money in women's lives and the transition to taking charge of it. She received her MBA from Vanderbilt Owen Graduate School of Management and undergraduate degree from Denison University. She was the founding President of the Los Gatos Morning Rotary Club and currently the Co-Chair of the Los Gatos, CA 'Jazz on the Plazz' Summer Concert Series.