Doretha Clemon Ph.D., MBA, PMP Expertise: Cryptocurrency, Fintech, Foreclosure, Real Estate, Real Estate Taxes Title: Real Estate Agent Education: University of Mississippi, University of New Haven, Post University Location: San Diego, CA Highlights Member of The Balance's Financial Review BoardState of CT Home Improvement licensed, and property preservation and rehab contractor for HUD/FHA/VA/Fannie Mae/Freddie Mac and mortgage lenders for foreclosed properties, including opportunity zones and enterprise zones. Govern regulatory compliance and reporting for FFIEC, PCI, SOX, GDPR, HIPAA, SSAE18/SOC. Dean of Academics for four years and received State of CA BPPE certification in Accounting, Business, and Computer Electronics. Experience Doretha's subject matter expertise began as a software developer at Aetna Insurance Company automating Medicare Part B financial systems and United Technologies Pratt & Whitney maximizing ROI on factory automation systems then CEO of The Computer Institute government contracting for 10 years engaged in non-profit financial planning to achieve ROI for IT investment projects prior to joining IBM. Her diverse range of skills cover all areas of finance, she is PMI PMP certified and has 34 years as adjunct college professor in business and computer science graduate and undergraduate programs, including a role as Dean of Academics.Her 24 years at IBM advising hundreds of clients to achieve capital budgeting and forecasting goals not only fuels her passion for fintech, real estate wealth building, and early retirement planning, but also powers the insights shared with her students to inspire their understanding of portfolio diversification, risk-reward concepts and how fiscal and monetary policies can all lead to exponential growth and achievement of personal financial security.In addition to managing her real estate trust, Doretha's knowledge of SoFi money, retail investing in equities and cryptocurrency markets (Bitcoin, Ethereum, Alt-coins) allows her a rare skill to assess the impacts that blockchain technologies and smart contracts will have on decentralized finance and security valuation on all exchanges.Stella is currently preparing to sit for the FINRA Series 66 and Series 7 licenses. "With blockchain being the engine, digital currency and defi will propel the next generation of investing and spending." Education Doretha has a Ph.D. In Finance with minor fields in Management Information Systems (MIS) and Organizational Behavior from University of Mississippi, MBA in Finance from University of New Haven, BS in Management from Post University and minor in Computer Science. About The Balance The Balance, a Dotdash Meredith brand, makes money easy to understand. We give people tools they need to not only make smart financial decisions but also prepare for the experiences they will have along the way. Our team of expert writers and editors have extensive qualifications in the topics they cover, and many of them have MBAs, PhDs, CFPs, and other advanced degrees and professional certifications. We require our writers to use primary sources in their articles, which are also approved by our Financial Review Board and fact-checked. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.