Financial Advisors of San Antonio for 2022

Finance and Investing is pleased to announce our Financial Advisors of San Antonio for 2022. These advisors work closely with their clients to create personalized plans for the future, whether that is retirement savings, children’s education, or starting a business. These individuals are trusted names in money management in the San Antonio area for a reason: their experience, education, and care for their clients have set them apart in this highly competitive field. Despite the different specialties of this year’s advisors, each one has shown a dedication to their client’s financial wellbeing. Their work has allowed countless families and individuals in the San Antonio area to plan for the biggest transitions in their life.

Included in this list is David Wallace, Senior Vice President and Financial Advisor with CAPTRUST, who spent 25 years in banking, including private trust and estate planning. Also recognized is Rob Levin, Manager and Financial Advisor with USAA, whose 20 years in the Air Force motivated him to help every one of his clients. Awardees such as Yvonne Martinez demonstrate the importance of financial experience in the education sector, as her work with Hallmark University allows her to provide information and advice on student financial aid and education costs.

Please join us in celebrating the Financial Advisors for the San Antonio Area.


Jaime Gutierrez
Wealth Advisor & AVP, Citi

Jaime Gutierrez is a Wealth Advisor and AVP at Citi, which he first joined in 2020 as an advisor. Citi's mission is to serve as a trusted partner to their clients by responsibly providing financial services that enable growth and economic progress. Their core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of their clients. They have 200 years of experience helping their clients meet the world's toughest challenges and embrace its greatest opportunities. They protect people's savings as well as advise people on how to invest for future needs, such as their children's education and their own retirement, and help them buy securities such as stocks and bonds.

Jaime is a UTPA alumni with over ten years of experience in sales and customer service, as well as over six years of experience in marketing, business development, management, and business strategy. He also has two years of experience in financial planning, portfolio assessments, startups, public speaking & brand development. Previously, Gutierrez was a VP of operations at James & James Formalwear and before that a founder & CEO at Loop Social, LLC.


Walter Tramontin
First VP & Financial Advisor, Morgan Stanley

Walter Tramontin is a San Antonio-based Financial Advisor and Certified Private Wealth Advisor® (CPWA®) providing holistic, tailored advice to a select number of individuals, families, and business owners both locally and around the country. His mission is to work with clients to define and pursue their vision of financial success through a trust-based relationship based on knowledge, integrity, and transparency.

Tramontin joined Morgan Stanley in 1987 and has been with the company for more than 35 years. Tramontin graduated from Manhattan College with an undergraduate degree in business administration and management. He currently serves on the San Antonio Food Bank Board of Directors.


Luis Testas
International Wealth Management Advisor & First VP, Merrill Lynch Wealth Management

Luis Testas is an International Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management, one of the largest wealth management businesses in the world. Merrill financial advisors combine financial knowledge and experience with a deep understanding of their clients’ needs to help their clients pursue the lives they want. With a deep commitment to placing their clients' interests first, Merrill financial advisors draw upon the investment insights of Merrill and the banking insights of Bank of America to unlock opportunities tailored to their clients’ needs in many areas of their financial lives. The strategies their financial advisors offer go beyond investment management to include college savings strategies, retirement planning, eldercare, philanthropy, estate planning services, small business services, and access to cash management & banking strategies.

Testas began his career in the financial services industry in 1997 after obtaining his B.S. in Business Administration from Trinity University. He joined Merrill in 2006 having previously worked at JPMorgan and predecessors since 1997. He holds the Certified Investment Management Analyst® certification, administered by the Investments & Wealth Institute™ (The Institute) and taught in conjunction with the Wharton School, University of Pennsylvania. He is a member of the Investments & Wealth Institute™ (The Institute). Testas also earned the Chartered Retirement Planning Counselor℠ designation in 2022.


Jared Rawson
VP & Financial Consultant, Charles Schwab

Jared Rawson is the Vice President and Financial Consultant of Charles Schwab, a different kind of investment services firm – one that strives to disrupt the status quo of the traditional Wall Street approach on behalf of their clients. They believe today, as they did on Day 1, that when they find ways to improve the investing experience for their clients, then business results will follow.

Before joining Charles Schwab, Rawson was a financial solutions advisor at USAA and before that an investment specialist at Hancock Investment Services. He has 14+ years of investment advice with strong emphasis on client service. Rawson is an experienced professional in training and coaching teammates, as well as the recipient of multiple employee recognition awards and client compliments. He has been selected multiple times to new teams that would be a model for others that follow. Rawson graduated from Louisiana State University with an undergraduate degree in Spanish.


Steven Mitchell
VP, Financial Advisor & Financial Planning Specialist, Morgan Stanley

Steven Mitchell is the Vice President, Financial Advisor, and Financial Planning Specialist at Morgan Stanley. In his past experience as CEO of a local bank-owned brokerage firm that specialized in trading and individual client investments, Mitchell desired to seek a better, more holistic way to serve the needs of an ever-growing affluent clientele. His transition to a more client-centered, holistic planning approach and application has been both an informative and gratifying journey. Implementing a plan to grow and preserve generational wealth requires both a depth of understanding that only comes from experience and a dedication to finding a better way to enrich the lives of those whom he serves. Affluent families often have more complex needs that go beyond retirement to include issues surrounding closely held businesses, taxation and charitable and legacy considerations.

His goal as an advisor is to help empower and enrich the lives of his clients through encouraging dialogue, discernment and the implementation of a plan designed to address their unique goals and dynamic circumstances for generations to come. Mitchell began his career at Morgan Stanley in 2005. Mitchell graduated from the University of Arkansas at Little Rock with an undergraduate degree in liberal arts.


Doug Sehres
Financial Advisor & VP, Ameriprise Financial Services

Doug Sehres is the Financial Advisor and Vice President of Ameriprise Financial Services, which he first joined in 2019. Ameriprise advisors are dedicated to helping secure their clients financial future with comprehensive, one-to-one advice and ongoing communication. Their advisors are required to meet certain educational and business qualifications to help ensure they recommend personalized solutions according to their clients’ best interests. Many Ameriprise advisors have also received national recognition from Barron’s, Financial Times, Forbes and Working Mother. The strategies created with Ameriprise Financial Services will address four key needs: covering essentials, ensuring lifestyle, preparing for the unexpected and leaving a legacy.

Sehres provides 1:1 financial advice for individual clients, which includes regular meetings to review investments and goals. Previously, Sehres was a financial advisor at Planto Roe Financial Services and before that a Director of Photography at San Antonio Express-News. Sehres earned an undergraduate degree from the University of Miami.


Scott Glover
Portfolio Manager & Financial Advisor, Wells Fargo Advisors

Scott Glover is a Portfolio Manager & Financial Advisor of Wells Fargo Advisors, a premier financial services firm, serving investors nationwide through over 12,000 Financial Advisors. Driven by a strong and abiding commitment to service, they help their clients succeed financially with investment planning and advice designed to help them achieve their life needs and financial goals. Whether through face-to-face contact with a Financial Advisor, over-the-phone advice, or online and mobile tools, they help manage their clients’ accounts. Their advisors and online tools are supported by well-known investment research analysts and strategists. As a leading investment firm with a history of serving communities across the nation, they bring both Wall Street vision and Main Street values to their relationships with clients.

As an accomplished Financial Services Executive, Glover offers experience in investment management, market analysis, and equity / credit research. He has a record of success restructuring and revitalizing underperforming teams to affect sustainable gains in performance. His leadership philosophy embraces a focused approach to mentorship and employee engagement to extract meaningful contributions to organizational success.

Throughout his career, he has been recognized as an analytical thought leader with strong evaluation skills and deep knowledge of investment strategies that achieve portfolio goals.
Glover first got his start in 2001 as a senior fixed-income analyst at USAA Asset Management Company. Glover graduated from St. Mary's University with an MBA and from Texas Tech University with an undergraduate degree in computer science.


Collin Fabac
Investment Officer & Wealth Advisor, Frost

Collin Fabac is an Investment Officer and Wealth Advisor of Frost, which provides banking, investments, and insurance services to businesses and individuals throughout Texas. Founded in 1868, Frost is one of the 50 largest U.S. banks by asset size. At Frost, everything they do is aimed at making customers’ lives better. They do it by creating and delivering great experiences to them every time they interact with them. Through teamwork, collaboration and a commitment from everyone involved, they’ve succeeded in that goal time and time again. And they’re incredibly proud of the results—technology that helps them serve their customers, industry-leading security that inspires confidence and a quick and agile workforce that serves their customers in ways no other bank can.

Prior to being appointed as an Investment Officer, Fabac held several important positions at Frost, including Central Associate Wealth Advisor and Associate Wealth Advisor. Fabac also worked as a Financial Professional for AXA Advisors and as a Sales and Marketing Intern at Milliman Financial Risk Management. Fabac graduated from Baylor University with an undergraduate degree in management information systems.


Kameron Wood
Executive Director, Senior Portfolio Management Director & Financial Advisor, Morgan Stanley

Kameron Wood is the Executive Director, Senior Portfolio Management Director and Financial Advisor of Morgan Stanley, where she mobilizes capital to help governments, corporations, institutions and individuals around the world achieve their financial goals. For over 85 years, the firm’s reputation for using innovative thinking to solve complex problems has been well-earned and rarely matched. A consistent industry leader throughout decades of dramatic change in modern finance, Morgan Stanley will continue to break new ground in advising, serving and providing new opportunities for its clients. Morgan Stanley is committed to maintaining the first-class service and high standard of excellence that have always defined the firm. At its foundation are five core values — put clients first, do the right thing, lead with exceptional ideas, commit to diversity and inclusion, and give back — that guide its more than 70,000+ employees across 41 countries.

Wood began his career with Morgan Stanley in 2006 and has been with the company since that time. Wood graduated from Texas Lutheran University with an undergraduate degree in business. He serves on the Texas Lutheran University Alumni Association and has worked with Big Brothers Big Sisters of America in the past.


David Stevens
SVP & Senior Investment Advisor, Texas Capital Bank Private Wealth Advisors

Dave Stevens is a Senior Vice President and Senior Investment Advisor at Texas Capital Bank Private Wealth Advisors, where he manages client investments across multiple asset classes and works closely with his clients to align their financial plan and investment portfolio with their short-term and long-term financial goals. Dave manages over $600 million in client assets. His clients include individuals and families, corporations, corporate endowments, private foundations, and other non-profit entities. In addition to his duties as an Investment Advisor, Dave manages Texas Capital Bank’s Customized Municipal Bond Strategy, which has grown to over $500 million in assets since Dave joined Texas Capital Bank in 2016. He has managed the strategy since its inception.

Dave is also a Certified Financial Planner. Prior to joining Texas Capital Bank, Dave worked as a Global Investment Specialist at J.P. Morgan Private Bank in San Antonio and a Portfolio Manager at Credit Suisse Family Wealth Management in Chicago. Dave began his career in Chicago at Ernst & Young, LLP, providing assurance and advisory business services for private investment companies, hedge funds, private equity funds and private real estate partnerships.

Dave received a Master of Accountancy/MBA with Accountancy Emphasis and Bachelor of Science in Accountancy from Brigham Young University. He is a member of the Nature Conservancy and an active supporter of the Alamo Area Council of the Boy Scouts of America. Dave speaks Korean, loves hiking, playing soccer, traveling, teaching Sunday School and spending time with his wife Sarah and their four children.


Dale Tucker
VP of Wealth Management, UBS

Dale Tucker is the Vice President of Wealth Management of UBS, which he first joined in 2002 as financial advisor. UBS works with individuals, families, institutions, and corporations around the world to help answer some of life's questions – whether through award winning wealth management advisory, investment banking and asset management expertise, or private and corporate banking services in Switzerland. With more than 71,000 colleagues around the world, they collaborate across all major financial centers in 50 countries. Although they all come from different backgrounds and specializations, two things unite them: the conviction that they’re stronger together, and the will and curiosity to constantly innovate. That’s the key to them unlocking their full potential. It’s also why they’re regularly recognized as an attractive employer.

Previously, Tucker was a manager at Northwest Airlines and before that a manager at Saudi Arabian Airlines. Earlier in his career he worked with Albany Area Schools as a department chairman and educator. Tucker earned an undergraduate degree in physics and mathematics from Bemidji State University.


Rob Levin
Manager & Financial Advisor, USAA

Rob Levin is a Manager and Financial Advisor of USAA. USAA’s mission is to facilitate the financial security of its members, associates and their families by providing a full range of highly competitive financial products and services. USAA has worked hard to build a company that supports its people and its mission. They're proud to be recognized as a top employer. At USAA, their mission is more than just words – it’s the reason they do what they do. Their goal is to be the military community’s provider of choice for insurance, banking, financial products and advice. Take a look back at their history and you’ll see a strong track record of providing members with the highest level of care and support. And they’re proud to continue helping them achieve better financial futures.

Levin earned a master's degree in business and managerial economics from the University of Oklahoma. He served as a Superintendent in the US Air Force from 1980 to 2000 and has been with USAA since 2004.


Roberto Espinosa
Wealth Management Advisor, Northwestern Mutual

Roberto Espinosa is a Wealth Management Advisor of Northwestern Mutual. Northwestern Mutual has been helping families and businesses achieve financial security for over 160 years. Through a distinctive big-picture approach, including both insurance and investments, they’re helping people navigate life and guide them to their goals today, and in the days to come. They combine the expertise of their financial professionals with a personalized digital experience and leading-edge technology to best serve their clients. With $265.0 billion in assets, $28.1 billion in revenues, and more than $1.8 trillion worth of life insurance protection in force, Northwestern Mutual delivers financial security to more than 4.5 million people who rely on them for life, disability income and long-term care insurance, annuities, brokerage and advisory services, trust services, and discretionary portfolio management solutions. The company holds more than $125 billion of client assets as a part of its wealth management company and investment services. They are strong supporters of their financial workforce nationwide.

Espinosa graduated from Instituto Tecnológico Autónomo de México with an undergraduate degree in business and managerial economics. Espinosa is a CHFC, which received from the American College of Financial Services. He currently serves on several boards, including the San Antonio Botanical Garden, the Classical Music Institute, and the San Antonio Hispanic Chamber of Commerce.


Julius Hill
Financial Advisor, WestPac Wealth

Julius Hill is a Financial Advisor at WestPac Wealth Partners. At WestPac Wealth Partners they take pride in delivering cutting edge strategies. They give clients the confidence to take control of their lives and guide them to build a clear path to their financial future. Hill’s primary focus is to provide wealth management for healthcare professionals, athletes, and business owners. He specializes in comprehensive planning, risk management, and asset management for individuals and provides benefits solutions to small businesses.

Hill first got his start in 2008 as a financial advisor at New York Life Insurance Company. From there, he went on to USAA and later Merrill Lynch, before eventually rising to become a Wealth Relationship Manager and AVP and Citi, his most recent position prior to joining WestPac Wealth. Hill graduated from Southern Methodist University with an MBA in organizational leadership and from East Carolina University with an undergraduate degree in finance and financial management services.


Claudia Hinojosa
Wealth Advisor & VP, Truist Wealth

Claudia Hinojosa is the Wealth Advisor and Vice President of Truist Wealth, which she first joined in 2021. As a Truist Wealth advisor, Hinojosa serves as a relationship manager and advocate for affluent clients and their families. She is supported by a broad array of specialists who work together to deliver personalized, tailored solutions that address clients’ specific banking, strategic credit, investments, insurance, and trust and estate planning needs. As a trusted advisor, she values the confidence their clients have in them, and she strives each and every day to exceed their expectations by delivering service that is reliable, responsive, empathetic and competent.

Previously, Hinojosa was a wealth advisor and VP at BB&T Wealth and before that a consumer market manager at Bank of America. Earlier in her career she worked with Walmart as an assistant manager. Hinojosa earned an undergraduate degree in business administration and management from The University of Texas-Pan American.


David Wallace
SVP & Financial Advisor, CAPTRUST

David Wallace is a Senior Vice President and Financial Advisor at CAPTRUST. For more than 30 years, Wallace has provided expert investment and trust services to individuals and businesses. He believes effective risk management is critical to long-term success; Wallace devotes energy and focus to understanding his clients’ goals and risk profiles to ensure his investment approach is tailored to their desires. He joined CAPTRUST from Covenant Multifamily Offices—a multidisciplinary financial advisory firm—where he served as a senior investment advisor.

Before Covenant, Wallace was chief investment officer of One Advocate Group, where he evaluated investment managers and funds for inclusion in client strategies. He also spent 25 years in banking, including commercial lending, private trust, estate planning, trust administration, and investments. Wallace earned a Bachelor of Arts degree in economics from Vanderbilt University and a Master of Business Administration degree from Southern Methodist University.


Charles Hoffman
SVP & Private Wealth Advisor, Rockefeller Capital Management

Charles Hoffman is a Senior Vice President and Private Wealth Advisor of Rockefeller Capital Management.Hoffman brings over 18 years of experience in successfully guiding clients through two major recessions and in navigating through important financial decisions in their life. A planning-based process allows him to provide clients with individually tailored and goal specific investment plans. Using a long term, disciplined, but most of all quality service approach to investing and UBS's global resources, he creates plans that allow clients to focus on their financial priorities and goals while maintaining appropriate allocation and risk levels. Through personal meetings and discussions he is able to deliver a broad range of services to clients

With a B.S. degree in Business from Louisiana Tech University, Hoffman began his career in the financial industry in 1996. He holds series 7, 63 and 65 registrations in 13 states, allowing him to accommodate and extend his services to clients near and far. He additionally holds Life, Annuity and Long Term-Care Insurance licenses, and has been certified by the College for Financial Planning as a Chartered Retirement Planning Counselor®.


Ruben Ruiz
Financial Advisor & Regional Director, Money Concepts

Ruben Ruiz is a Financial Advisor & Regional Director at Money Concepts, an independent broker-dealer founded on the principle of true ownership. Since 1979 they’ve formed a network of wealth management franchises (no franchise fee) for advisors, and financial institutions. Independently owned franchises allow advisors to apply "Best Practices"​ to build their business their way. They’re not the typical financial institution and services firm. They’re a community, a full-service hub committed to providing the tools needed to succeed and the freedom to chase goals. They want to strengthen their clients’ business, create new connections, and increase profits.

Ruiz teaches, educates, and provides consulting services to clients and associates in Financial Planning, Wealth Management, Retirement Planning, Estate Planning, Investment Management, Advisor, Coaching. Ruiz served on the Board of the International Association of Registered Financial Consultants (IARFC) and was the President and Chairman of the Board of the Financial Planning Association (FPA) of San Antonio and South Texas. An avid speaker, Ruiz has spoken to over 500 groups ranging from baby boomers and senior citizens to parents and business owners, as well as educators, non-profit organizations, and corporate employees on strategies to accumulate wealth, maximize their tax-benefits, investment options, risk tolerance, and reaching their wealth and financial independent goals.

A native of San Marcos, TX, he holds a BBA in Marketing from Southwest Texas State University (now Texas State University). He served as a member of the Texas State University Board on Estate Planning and is a member of the University’s Alumni Association. He received a Master of Science degree in Financial Services (MSFS) from the American College.


Bob Wells
Senior Wealth Manager, Victory Capital

Bob Wells is a Senior Wealth Manager at Victory Capital, a diversified global asset management firm. Victory Capital operates a next-generation business model that combines boutique investment qualities with the benefits of a fully integrated, centralized operating and distribution platform. Their differentiated model consists of twelve autonomous investment franchises, each with an independent culture and investment approach. Additionally, they offer a Solutions Platform, featuring their VictoryShares ETF brand. Victory Capital provides specialized investment strategies to institutions, intermediaries, retirement platforms and individual investors. They offer a diverse array of independent investment approaches and innovative investment vehicles designed to drive better investor outcomes. This includes actively managed mutual funds and separately managed accounts, rules-based and active ETFs, multi-asset class strategies, custom solutions and a 529 College Savings Plan.

Wells first got his start in 1992 as a production manager at Quaker Oats. From there, he went on to Northwest Airlines, before eventually rising to financial advisor at USAA, his most recent position prior to joining Victory Capital. Wells graduated from United States Military Academy at West Point with an undergraduate degree in engineering management.


Yvonne Martinez
Senior Financial Planning Advisor, Hallmark University

Yvonne Martinez is a Senior Financial Planning Advisor at Hallmark University. The staff and faculty at Hallmark University, believe that they excel at helping students attain their dreams for a better future. Besides being among the very best schools academically, they pride themselves in the fact that they stand above the crowd when it comes to helping people achieve their goals. Their objective for every Hallmark University graduate is that each one should be a true professional - personally responsible, developed in character, and technically skilled.

Martinez has eighteen years of experience in the Financial Aid Department. She is experienced in the upkeep of FA forms used in cooperation with the Department of Education and is able to determine student’s eligibility for Financial Aid to cover cost of tuition. She possesses a high degree of professionalism and dedication to exceptional quality and is able to communicate in a clear and concise manner with people of diverse backgrounds.


Tom Stringfellow
Chief Investment Strategist, Argent Financial Group

Tom Stringfellow is the Chief Investment Strategist of Argent Financial Group, which he first joined in 2021. Argent Financial Group, domiciled in Ruston, Louisiana, was formed in 1990 and traces its roots to 1930. Responsible for more than $35 billion in client assets, Argent Financial Group provides individuals, families, businesses and institutions with a broad range of wealth management services, including trust and estate planning, investment management, ESOPs, retirement plan consulting, funeral and cemetery trusts, charitable organization administration, oil and gas management and other unique financial services.

Previously, Stringfellow was a president and chief investment officer at Frost Investment Advisors and before that a VP at Frost Bank. Stringfellow earned an MBA in marketing from Texas A&M University-Corpus Christi, an MA in economics from St. Mary's University, an undergraduate degree in political science and government from Texas State University, and an undergraduate degree in accounting from University of Houston.


Benjamin Westney
VP of Wealth Management, Pensionmark Financial Group

Benjamin Westney is the Vice President of Wealth Management of Pensionmark Financial Group. They provide a tailored and centralized service model, giving their clients the best of both worlds- a boutique advisor experience with the strength and resources of a large national firm. They blend traditional quantitative analysis with qualitative research and behavioral finance to go beyond typical performance metrics to ensure they are best serving their clients’ unique objectives. Accepting no pay-to-play money or third-party payments allows them to better support their clients.

Before joining Pensionmark Financial Group, Westney was a financial advisor and field director at Symmetry Financial Solutions and before that a business manager at Terra Nova Violins, LLC. Earlier in his career he worked with San Antonio Symphony as a director of operations. Westney graduated from Texas Tech University with an MBA in business administration and management, from The University of Texas at Austin with an MM in music, and with an undergraduate degree in music.


Fred Steubing
Financial Advisor & Special Care Planner, Capital Strategies, a MassMutual firm

Fred Steubing is a Financial Advisor and Special Care Planner of Capital Strategies, a MassMutual firm. At Capital Strategies, their vision is to help their clients build a healthier financial future. Through a holistic approach to financial services, their representatives collaborate in teams that provide multiple perspectives toward problem-solving that result in improved client solutions and higher quality advice. Achieving financial independence is a journey, at Capital Strategies they have created an enthusiastic culture of accountability that underlies their commitment to guiding their clients each step of the way.

Steubing takes every client through an in-depth process of getting to know them personally and professionally, learning about their values and what matters most to them. He is obsessive about helping others succeed, and he is committed to providing his clients with the information, resources, and strategies necessary to help them meet their specific financial objectives. Steubing is a native Texan, and he proudly served as a paratrooper in the US Army’s 82d Airborne Division and in the Texas Army National Guard. Following a career in public education, he transitioned to Financial Services, where he continues his work investing in the success of his clients and community.

Steubing graduated from Oklahoma State University with an MS in wildlife biology and statistics, from the University of Saint Thomas with an MEd in educational leadership and administration and from Texas A&M University-Kingsville with an undergraduate degree in range and wildlife management and biology.


Bryan Kaarlsen
Independent Wealth Manager, Peak Brokerage Services

Bryan Kaarlsen is anIndependent Wealth Manager of Peak Brokerage Services. At PEAK, everyone has a voice and they are here to change the industry together. The founding partners of PEAK have a true understanding of what is necessary to grow and thrive in a challenging environment because they live it every day. They possess a proactive culture that fosters collaboration, flexibility, and support. From their founding partners to their committed support staff, everyone has the same goal and everyone realizes that they are dependent upon the success of their advisors to achieve that goal. In the spirit of that commitment, they stand ready to provide great people, ideas, technology, and support to manage and grow their client’s business profitably and efficiently.

Kaarlsen first got his start in 1992 as a certified financial planner at Northwestern Mutual. From there, he went on to Wealth Management Firm, before eventually rising to certified financial planner at Next Financial, his most recent position prior to joining Peak Brokerage Services. Kaarlsen graduated from the University at Buffalo with an undergraduate degree in psychology.