I try to explain my approach. But others think they know it all." She says, "My clients tend to have pretty good savings, so I don't have to worry about trying to build up their assets quickly. A lot of my time is spent finding out what their risk tolerance is," she says. "It usually turns out that it's a lot less than they thought. They tend as a group to have a lot less downside risk tolerance, particularly after they have retired." In general, she says her professional clients are "focused on their careers," and so their attitude is that they want to hire an expert to manage their finances for them so that they can pursue their careers. An advantage, she says, is that because she works in a credit union, "there is a built-in sense of trust. It's their credit union, and they trust it, so they trust me." About half her clients are referred to her by credit union staff, with the other half coming through client referrals (credit union staffers have incentives in place to refer members to her). Pedroncelli, a Sonoma native, graduated with a degree in finance from Sonoma State University. She worked in commercial banking at several small banks and at Bank of America before going to work for a small broker-dealer called Legacy Financial Services, where her responsibility was going out and explaining 401(k) plans to employees. She moved to Addison Avenue five and a half years ago. ? WHAT YOU