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To the Empowered Woman:
We’re Here for You

At ICM, You’re Surrounded by

Women Who Understand

Take control of your financial future with the right team of professionals by your side.  We have built a community of support for women just like you and deliver financial guidance on your terms.


Our Community of Women
Cultivates a Vital Perspective

The financial industry is home to few female advisors. This is why we’re proud to foster a community of accomplished female financial professionals that you may be hard-pressed to find elsewhere.



With a Strong, Independent Character That Mirrors Your Own,
The Women at ICM Are:


57% Branch Managers

40% Top 15 Advisors

34% Board Members


Exemplary Women Create a Complete Team

Our team features exceptional women who lend their expertise across the moving pieces of our firm, and many have been with us for over 15 years. From managing to advising, the women of Independent Capital Management are critical to our comprehensive approach.

Jackie Marloe Photo
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Jackie Marloe

DIRECTOR OF BUSINESS DEVELOPMENT

Jackie Marloe

DIRECTOR OF BUSINESS DEVELOPMENT

Phone: 949-453-7660
Fax: 949-453-7672
E-mail: jmarloe@sagepointadvisor.com

Jacqueline joined Independent Capital Management in 2015 as their Director of Business Development. Out of ICM’s Newport Beach location, Jacqueline assists a team of dedicated professionals who specialize in personalized, comprehensive financial planning and she helps recruit ideal candidates for the full-time Financial Advisor career. She is seeking smart, motivated, and energetic Financial Advisors who are interested in growing their business.

Prior to her career with ICM, Jacqueline graduated with honors from the University of Washington. While living in Seattle, she spent several years in the real estate industry where she worked as a listing coordinator and office assistant for 60+ real estate agents.

Jacqueline holds a CA Insurance License.

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Pamela Rodriguez

DIVISION MANAGER

Pamela Rodriguez

DIVISION MANAGER

Phone: 310-557-9850
Fax: 310-557-8978

Pamela Rodriguez graduated from Pepperdine University with a Bachelor of Science degree in Business Administration. During her time at Pepperdine, Pamela consulted for a nonprofit organization focused on the development of women, to help them implement a sound financial strategy which has allowed the once fledgling organization to flourish. Since her academic career at Pepperdine, Pamela has wholly embraced Pepperdine’s philosophy that “spiritual commitment, tolerating no excuse for mediocrity, demands the highest standards of professional excellence.”

Pamela moved on to apply her degree to the administration of an international travel business where she was responsible for the management of over thirty employees. She demonstrated her dynamic public speaking skills by conducting regular training seminars for several affiliated companies.

Pamela joined ICM in 2007 and continues to strive to show her exceptional commitment to her clients. She is a Registered Representative with SagePoint Financial, Inc. Ms. Rodriguez has consistently achieved recognition as the Monthly Top Representative in the Irvine office and was recognized as the Regional Top Representative of the Year in 2008 and 2009.

Pamela was promoted to Senior District Manager in 2012 in the Irvine office and is now the Division Manager for our Beverly Hills office.

She was recognized as the #2 Branch Development Leader in SagePoint Financial for 2013.

Fluent in both English and Spanish, Pamela provides full-service financial strategies for individuals, families and businesses using tax-efficient strategies to help them achieve their financial goals. She is dedicated to educating her clients in the areas of tax-favored college planning, tax-advantaged retirement plans, wealth preservation and estate planning, as well as insurance needs analysis. Pamela firmly believes in providing her clients with the tools and knowledge to become financially confident.

Ca. Insurance # 0F81687

Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation.

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Susan Green

DIVISION MANAGER

Susan Green

DIVISION MANAGER

Phone: 805-484-1011
Fax: 805-484-0420
E-mail: Sgreen@sagepointadvisor.com

Susan Green has been the branch manager of the Camarillo office for Independent Capital Management since 1995. Susan is a senior managing partner for ICM and serves on the board of directors for the company. She is a CERTIFIED FINANCIAL PLANNER™ and a Registered Principal with SagePoint Financial. Susan is also a Notary Public for the state of California and a licensed life and disability agent. Susan is an Investment Advisor Representative with Independent Capital Management, Inc. Susan has had one of the top production offices for ICM for the past 16 years.

Susan grew up in Cheney, Washington and graduated from Washington State University with a business degree in 1988. She has been in the financial services field since 1993. Susan resides in Simi Valley, CA with her three dogs Ruby, Andy & Katy. Susan spends her free time as a police officer for the City of Santa Paula.

Susan specializes in helping individuals and families with all aspects of financial planning. Those aspects include college and retirement planning as well as insurance, estate and tax planning*. Susan’s focus is to provide a complete financial plan that helps prepare a client for pre- and post-retirement needs.

Ca, Insurance # 0B19834

*Securities and Advisory services offered through SagePoint Financial, Inc., member FINRA/SIPC. Additional Advisory services and Fixed and/or traditional insurance services offered through Independent Capital Management, Inc. Mortgage services offered through ICM Lending, Estate Planning services offered through Citadel Law Offices. Independent Capital Management Inc., ICM Lending, Inc., and Citadel Law offices are not affiliated with SagePoint Financial, Inc., and are not registered as a broker-dealer or investment advisor.

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Tina Montoya

DIVISION MANAGER

Tina Montoya

DIVISION MANAGER

Phone: 310-527-0355
Fax: 310-323-3557

Tina Montoya is the Division Manager of ICM’s Torrance, California office. She graduated from the University of California, Berkeley with a Bachelor of Arts degree in Fine Arts. Tina joined ICM in 2001 and specializes in retirement, estate planning, asset protection and small business. She currently holds Series 6,7,63,66,24,51 securities registrations as well as a California Life and Health License. Tina is a Registered Principal with SagePoint Financial Advisors, Inc. (member FINRA/SIPC), and a Notary Public.

Ca. Insurance # 0D70698

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Marie Cammack

DIVISION MANAGER

Marie Cammack

DIVISION MANAGER

Phone: 949-453-7660
Fax: 949-453-7672
E-mail: mcammack@sagepointadvisor.com

Marie Cammack is the Division Manager of the Newport Beach, California ICM office. She was a member of the Honors Program at the University of California Los Angeles and received a Bachelor of Arts degree in Economics. 

Marie joined ICM in 2003, received the Rookie of the Year award and has been a repeat recipient of the ICM’s President’s Club designation, in recognition of outstanding sales performance. She was promoted to the Senior Management team a year and a half after joining the firm, and through her dedication to excellence, she led her Senior District to the number one ranking in the company in 2005. Ms. Cammack was promoted to Division Manager 2006 and currently manages the Newport Beach branch location. Beginning in 2007, she co-hosted ICM’s “Real Advice from Real People,” a radio talk show covering various financial topics of interest.

The Newport Beach branch that she oversees was the number one hiring, insurance sales and overall produce branch for ICM in 2014.

Marie Cammack specializes in working with businesses and individuals to help them create customized plans to enhance their overall financial situation. She advises her clients on topics that include: implementing tax-favored retirement programs, tax-efficient college savings vehicles, real estate investments, estate and succession planning, asset preservation, and insurance needs analysis.

Ms. Cammack is a dedicated volunteer with Susan G. Komen for the Cure. Her mother is a breast cancer survivor, whose diagnosis in 1997 inspired the Cammack family’s commitment to the annual Susan G. Komen Race for the Cure in Newport Beach, California

CA Insurance License #0D88487

* Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation.

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Jeanette Castillo

SENIOR DISTRICT MANAGER

Jeanette Castillo

SENIOR DISTRICT MANAGER

Phone: 949-453-7660
Fax: 949-453-7672
E-mail: jcastillo@sagepointadvisor.com

Jeanette Castillo graduated from California State University, Fullerton with a Bachelor of Arts degree in Business Administration. During her time at Cal State Fullerton, Jeanette became president of Golden Key International Honor Society, where she was inspired by the organization’s philosophy that the power of knowledge transforms lives and changes situations for the better.

After graduating, Jeanette spent several years in the mortgage industry where she realized the true value of a client’s mortgage to their overall financial well-being. Because of this, she decided she wanted the ability to expand the services she could offer her clients to build their overall net worth. This led Jeanette to ICM in 2011, where she could offer her client a full array of financial services.

Jeanette Is a Senior District Manager in the Newport Beach office. She was also recognized as one of the top producing financial advisors in the company for 2015, 2016 and 2017. Jeanette has also been the #1 insurance producer for 3 straight years.

California Life Insurance License #0H77752

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Fany Marissa Hirales

SENIOR DISTRICT MANAGER

Fany Marissa Hirales

SENIOR DISTRICT MANAGER

Phone: 619-282-1182
Fax: 619-282-3219
Email: Fhirales@sagepointadvisor.com

Marissa Hirales joined Independent Capital Management in 2010 and is now a Senior District Manager in the San Diego office and a Registered representative with Sagepoint Financial. Marissa graduated with honors from Instituto Tecnológicos y de Estudios Superiores del Occidente in Guadalajara, Mexico. She has a bachelor in Finance and currently holds various securities registrations and insurance licenses including: Series 6, 63, 66, 7 and 24.

As a financial advisor, Marissa teaches her clients about the importance of having a financial plan in order to achieve financial independence. She specializes in designing financial strategies to help her clients address risk and taxes and helps them build a well balanced plan to accumulate and preserve wealth.

Fluent in both English and Spanish, Marissa also participates actively in the Hispanic community.

According to Marissa, “Education is the most important factor. When my clients are truly informed on the investments they have, the markets, and the opportunities out there we are able to improve their finances dramatically. My general philosophy is Improvement through education.

Ca. Insurance # 0G95690

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Liberty Dela Cruz Lee

DISTRICT MANAGER

Liberty Dela Cruz Lee

DISTRICT MANAGER

Phone: 909-948-1608
Fax: 909-948-7483

Liberty Dela Cruz is a District Manager with the Ontario ICM office. She has graduated from the University of California, Riverside with a Bachelors of Science in Business Administration. Recognized as one of the top producers in her first year working with ICM, Liberty currently holds a Series 6, 63, and California Life and Disability License.

Since Liberty's debut with ICM, she has found great joy in establishing a stronger mindset for her clients and their finances. Her diligence has allowed her clients to walk confidently with financial freedom, and construct the necessary foundation to make long-time dreams a reality.

Ca. Insurance # 0G36713

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Lori Mahoney, CFP

FINANCIAL ADVISOR

Lori Mahoney, CFP

FINANCIAL ADVISOR

Phone: (805) 484-1011 ext 101
Fax: (805) 484-0420
E-mail: LMahoney@SagePointAdvisor.com

As a CERTIFIED FINANCIAL PLANNER™ professional, she creates a financial plan for a client’s ideal future. Working with Lori, you will be empowered to save for your needs, spend according to your values and invest to fulfill your dreams.

Lori has a passion for money. As a UCLA graduate in Electrical Engineering, her strong analytical mind enjoys understanding the inner workings of the U.S. and Global markets. But the element of chaos makes each day a thrill.

Independent Capital Management provides answers in the perplexing world of finance, ICM offers a unique combination: independent professional advice with a personal touch. In other words, ICM offers "real financial advice from real people."

Lori and Bobby, her husband of 32 years, are long term residents of Thousand Oaks. They enjoy sights and smells of the trails in Ventura County. She is actively involved in the community:

  • American Association of University Women, Thousand Oaks Branch
  • BASC Foundation, Scholarships for non-college career education
  • Ventura County Treasury Oversight Committee

CA Insurance License # 0E75888

Securities and Investment Advisory offered through SagePoint Financial, Inc., member FINRA / SIPC and a registered investment advisor. Fixed and traditional insurance services offered through Independent Capital Management. Mortgage services offered through ICM Lending. Estate Planning services offered through Citadel Law Corporation. Independent Capital Management, ICM Lending and Citadel Law Corporation are not affiliated with SagePoint Financial, Inc., and are not registered as broker / dealer or investment advisor. CERTIFIED FINANCIAL PLANNER™ Professional, Series 6, 63, 7, 24, and 66 Securities Registrations

Barbara Orechoff Photo
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Barbara Orechoff

FINANCIAL ADVISOR

Barbara Orechoff

FINANCIAL ADVISOR

Phone: 805.484.1011 ext. 114
Fax: 805.484.0420
E-mail: Borechoff@SagePointAdvisor.com

Barbara Orechoff is a Financial Services Specialist with Independent Capital Management and an Investment Advisor Representative, offering Securities and Investment Advisory through SagePoint Financial, Inc., located in Camarillo CA. Her financial planning practice services help individuals and families secure their future through the review of assets, investments, money management, estate planning, insurance, and mortgage lending services. She has special experience working with widows, child actors and their families.

Barbara is a financial planner with international credentials. She worked for many years at Citibank in Paris France, setting up and running a seat on the stock exchange at Paris Bourse, now known as Euronext Paris. She has a degree in International Business Administration from American University of Paris, and has a post-graduate certificate in Financial Planning. She speaks fluent English, French, and Polish.

Barbara was born and raised in Los Angeles, lived and traveled extensively in Europe, spent ten years in the New York area, and has, for many years now, resided with her family in Ventura County.

Education and Licensing

  • B.A. degree in International Business from the American University of Paris, France
  • California Licensed Insurance Agent-Health and Life Lic # 0F68892
  • California Licensed Real Estate Salesperson Lic. # 01441984
  • Investment Advisor Representative with SagePoint Financial, Inc.
  • Series 6,7,63 and 65 Securities Registrations
  • Graduate Certificate in Personal Financial Planning
  • Paralegal for Citadel Law Corporation
  • Notary Public

Personal

  • Native Californian and resident of Ventura County since 1997
  • Fluency in Polish and French
  • International work experience

Volunteer with

  • Rotarian – Moorpark Morning Rotary Club –President 2011-2012
  • Rotary Avenue of Service Award and Master PRLS Graduate & Instructor
  • Rotary District 5240 Vocational Service Chair 2016-17
  • USC Town and Gown – Committee Member
  • Trojan League of the Valley Associates
  • Moorpark Active Adult Center
  • Moorpark Education Foundation - Board Member
  • Simi Valley Hospital Foundation – Hats Off Committee Member

Business Associations

  • Financial Planning Association of Ventura County
  • Moorpark Chamber of Commerce - 2009-2014 Board of Directors
  • Toastmasters International– Past President Moorpark Toastmasters
  • Women’s Information Network-Simi Valley (WINS) Special Projects Chair

*Barbara Orechoff is an Investment Advisor Representative offering Securities and Investment Advisory through SagePoint Financial, Inc. Member FINRA/SIPC, and SEC-Registered Investment Advisor. Insurance services offered through Independent Capital Management, not affiliated with SagePoint Financial, Inc.

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Genie Lebay-Short

FINANCIAL ADVISOR

Genie Lebay-Short

FINANCIAL ADVISOR

Phone: 619-282-1182
Fax: 619-282-3219

Genie Lebay-Short, a Financial Services Specialist for Independent Capital Management, helps clients map their financial futures by setting goals and determining financial strategies focused on achieving them. She is a Registered Representative with SagePoint Financial, Inc., registered in California for over 7 years. Prior to joining ICM, Genie was in the banking field for 14 years. She began as a teller in San Francisco (her hometown) and worked her way up to management positions at institutions in Virginia and Michigan. Genie has plenty on her plate outside of her career, she is happily married to Zane Short, a local Civil Engineer, a devoted mom of an active daughter and son. She is also a member of the San Diego Regional Chamber of Commerce, she is a Co-Leader of the Business Alliance Networking Group, an active member of her local church in La Mesa, she advises on financial matters for several local churches in San Diego and a board member of a local retirement center. Genie brings a refreshing perspective to her work; she genuinely loves helping people achieve their financial goals.

Ca. Insurance # 0C44889

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Nancy Serritella

Financial Professional

Nancy Serritella

Financial Professional

Phone: (805) 484-1011 ext. 132
Fax: (805) 484-0420
E-mail: nserritella@sagepointadvisor.com

Nancy Serritella is a Registered Representative with SagePoint Financial Inc., and a Financial Services Specialist with Independent Capital Management Inc. Along with her Securities registrations, Nancy is a Life/Health licensed Agent for the State of California. In addition to her licenses, Nancy is a Notary Public, is Long Term Care certified as well as a CCEP, Certified Citadel Estate Planner by which she was presented the "Award of Excellence" for outstanding Estate Planning in 2002.

Prior to her career in Financial Services, Nancy, a Certified Marketing Professional, held a successful position as Marketing Director for a southern California computer audit based company. Her responsibilities included: marketing the company and its services worldwide; creation and editing of an annual catalog; traveling to and overseeing all site activities within the United States as well as internationally; administration of day-to-day operations; and management of corporate office staff.

Nancy is committed to her career and considers her many clients to be her most valuable assets. Nancy quickly earned an impressive position demonstrated by her continued inclusion as part of the Elite Financial Advisor category who have been with ICM for 5 or more years and have achieved their highest levels or production, service and ethical standards. She is revered and respected among her colleagues and clients and continues to reap the rewards of commitment and hard work.

Ms. Serritella is involved in her community. She is a member of the Moorpark Chamber of Commerce, past President & Vice President of the Alliance For Success Chapter of Business Network International (BNI ) and is a member of the Ventura County Women of Worth Chapter of the American Business Women’s Association. She held the positions of Treasurer for the 2003 – 2005 years and Vice President 2005 – 2006 and was named "Woman of the Year" in 2006. In her personal life Nancy is dedicated to her husband of 25 years and their two sons. Her interests include spending time with family and friends, traveling, playing cards, decorating, swimming and walking.

Ca. Insurance # 0C98097

*Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the representative by any client nor are they representative of any one client’s evaluation.

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Rachel Trillanes

Financial Professional

Rachel Trillanes

Financial Professional

Phone: (619) 282-1182
Fax: (619) 282-3219

Rachel is a Financial Services Specialist with ICM and a Registered Representative with SagePoint Financial, Inc. She graduated with a Bachelor's degree from the University of San Diego and later joined the San Diego branch in May 2007. Rachel specializes in helping her clients achieve both their short and long term financial goals efficiently and oftentimes on a tax-favorable basis. She accomplishes this by developing customized financial strategies that are unique to each individual's specific needs.

Rachel's clientele continues to thrive since she consistently meets her clients' objectives who in turn refers her to other people who may benefit from her services. Rachel is a CCEP and currently holds Series 7,6, 63 Registrations, and California Life and Health Insurance licenses.

Ca. Insurance # 0F66217

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Roxanne Jones

FINANCIAL ADVISOR

Roxanne Jones

FINANCIAL ADVISOR

Phone: 909-948-1608
Fax: 909-948-7483

Roxanne M. Jones is a native of Los Angeles, California. She earned her Bachelor of Science Degree in Engineering with an emphasis in Industrial Engineering at CSUN. Fortunately, she never professionally entered the Engineering field, God had other plans for this outgoing, people loving woman. She entered the Financial Services industry over 20 years ago and has never looked back. She is one that loves to learn and enjoys making herself a resource for others. She also holds an MBA degree from Pepperdine University.

She has over 20 years of experience in the Financial Services industry; working for firms such as SunAmerica Securities, AIG Advisor Group, National Planning Corporation, and Securities Service Network. She is currently a Financial Advisor with Independent Capital Management/SagePoint Financial, Inc, specializing in overall wealth management. She educates clients with respect to retirement, college, investment, real estate and insurance as well as estate planning.

Roxanne continues to serve her community as a member of Spirit Filled Family Church in Hesperia, CA. She is a lifetime member of Delta Sigma Theta Sorority, Inc.  She was a founding board member of the Black Alumni Association at CSUN and the 2015 recipient of their Volunteer Service Award. Currently she sits on the board for Camille Russell Wooden Ministries and KnowLeadership, which educates at-risk students about college.

Roxanne enjoys helping others find the purpose and destiny God has for their lives. Her passion is to help others and she strives daily to do just that.

Ca. Insurance # 0B36281

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Roya Rohani

Financial Professional

Roya Rohani

Financial Professional

Phone: 949-453-7660
Fax: 949-453-7672
E-mail: rrohani@sagepointadvisor.com

I strongly believe when you love what you do, and are passionate about helping people, then success will follow. That's exactly how I feel about my career as a Financial Professional with Independent Capital Management.

Having years of experience in managing and servicing business accounts and dealing with clients face to face, has made me a firm believer that building relationships and earning my clients’ trust is the only way I want to conduct business.

Helping people plan for different stages of their financial goals, by truly understanding their unique needs and developing a personalized road map through a consultative approach is what makes my job extremely fulfilling.

I would love to help you navigate the sensitive yet very important world of financial planning that is vital to you and your future. My clients are absolutely my number one priority. There is no reward greater than having happy and satisfied clients and that's how I earn my business.

Below is the list of my education and professional licenses that I hold:

  • Bachelor of Science in Business Management, University of Florida. Graduated with High Honors
  • Holder of California Health, Life and Accident as well as Property and Casualty Licenses
  • Certified Covered California Agent
  • Holder of series 6 and 63 registrations

CA Insurance License number: 0I01799

* Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor of any client nor are they representative of any one client’s evaluation.

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Deborah Chen

SUPERVISOR

Deborah Chen

SUPERVISOR

Phone: 949-453-7660
Fax: 949-453-7672
Email: dchen@sagepointadvisor.com

Deborah Chen graduated Magna Cum Laude from California State University, Long Beach. She completed both her undergraduate degree and her teaching credential in four years.

Deborah was a middle school math and computer science teacher for six years and experienced that many adults felt intimidated by math and money. Thus in efforts to bridge the gap of understanding how to manage finances as an adult, Deborah started her career  at Independent Capital Management.

She currently holds a California Life and Health license.

Deborah is a Supervisor in the Newport Beach office.

CA Life Insurance License #0M54169