Client Services   The Client Services team assists clients with matters related to their ABFS accounts, and also serves as liaison between clients and financial institutions (e.g., Schwab and TD Waterhouse).  It is their job to assist clients with everything from the mundane to the complex.  This includes processing of all client requests and paperwork, establishing and maintaining brokerage accounts and transferring assets.  Client Services Associates also handle IRA distributions, funds disbursement, gifting and general problem resolution.      Andrea Laub, Client Services Manager Andi is the Client Services Team Manager and has been with Appropriate Balance since 1998.  She came to ABFS with over 25 years of experience in brokerage operations, including 10 years with Charles Schwab.  Andi is originally from Chicago, which is where she began her industry experience.  While managing the Options Purchase and Sales Department at Schwab, they relocated her to San Francisco, where she resided and worked for 8 years.  She has been in the Puget Sound area for about 12 years, and resides in Bellevue with her precocious 18 year old daughter.      Jennifer A. Nelson, Client Services Associate Jennifer joined ABFS in 2000. Jennifer graduated cum laude from the University of Washington with a Bachelor of Arts degree in Anthropology. She is the Client Services Associate assisting Marhe Youch, Mary Ann Ferreira, Joe Cervantes, Richard Merrifield and Reginald Tilley.  She holds her NASD Series 11 and Series 63 licenses. Jennifer was born and raised in Seattle and currently resides in Kirkland, WA with her husband and two children.  Jennifer works Monday through Thursday, from 8:00 a.m. to 4:00 p.m         Kristine A. Fredricks, Estate and Trust Account Administrator/Corporate Travel Kristine has been with ABFS since 1986.  As ABFS’ Estate and Trust Account Administrator, she assists clients with a variety of estate and trust matters, including acting as liaison for their CPA's and attorneys during settlement of estates. She handles trust administration for our clients, including tracking and disbursement of trust income to beneficiaries. Kristine is also our Corporate Travel Coordinator, making arrangements for advisor's business travel, such as speaking engagements and meetings with out-of-town clients. Her hours are Tuesday, Wednesday and Thursday from 8:00 a.m. to 3:00 p.m. Kristine studied Communications at Washington State University.  She is a chairperson for the Dewey Fredricks Memorial Endowment at Bellevue Christian School.  She has served as a Youth Leader/Counselor and on Auction Committees for BCS and Kings West.  She participates in fundraising and/or supports several organizations including JDRF, YWCA, Fare Start and the Huntington Historical Society/Kissam House Foundation in Huntington, New York.        Courtney Smith, Client Services Associate Courtney joined ABFS in July 2009 as part of the client service team.  Prior to joining ABFS she was a Client Service Associate for Coldstream Capital Management.  She began her career in financial services as a registered representative for HarrisDirect, where she obtained her series 7; 63 and 65 licenses.    She graduated from Washington State University and currently resides in Sammamish, WA with her husband and two young daughters.