Pam Owens is a native of the Bronx, NY. She attended Stony Brook – a State Univ of NY, receiving an Electrical Engineering degree. After graduation, she relocated and worked in MN for many years, early in her career, and attended graduate school at the Univ of St. Thomas in St. Paul, MN, receiving a Masters in Software Engineering. She relocated to FL in 1995 and married her husband Michael the same year, from the Bronx as well. Pam is in the IT industry for 25+ years now as a Senior Analyst; an Adjunct Professor for 10+ and 18+ as a Registered Representative helping families and small businesses with financial literacy, services and guidance. Pam and her husband have two children, 16 year old daughter and 19 year old son. Their son is a sophomore with the Air Force Academy in CO. They love traveling and spending time with them. Pam loves to constantly learn and help to give back and empower people wherever she can.