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), an Investment Advisor Representative with Independent Capital Management, Inc., a Registered Investment Advisor, not affiliated with SagePoint Financial Inc. and a Notary Public.