Dr. Lorie A. L. Nicholas, Ph.D, CFEI, AFC has an extensive background in counseling, teaching, and research, with over 30 years of working with children, youth, and adults. She has presented at many conferences and has conducted a variety of workshops and trainings on topics which include stress management, race-related stress, the criminal justice system/law enforcement, incarcerated mothers and their children, and financial stress/financial literacy. Dr. Nicholas holds a doctorate in Clinical Psychology, is a Certified Financial Education Instructor and an Accredited Financial Counselor.