Kathy has 22 years of public finance and municipal advisory experience and has structured or reviewed more than 500 transactions totaling more than $50 billion. Kathy’s specialties include the design and execution of complex financial structures. She assists HFAs in strengthening their master indentures and financial flexibility through a range of executions including bond redemption strategies, liquidity replacement, evaluating economic refunding and new issuance opportunities. Kathy has helped HFAs by providing direct and measurable benefits, including millions of dollars in increased revenues and cost savings as well as rating agency upgrades. In addition, Kathy also prepares and updates complicated open indenture consolidated cash flow analyses, Universal Cap calculations as well as strategic financial plan and long term resource allocation studies on a regular basis. Kathy is a Chartered Financial Analyst (CFA) and holds an MBA from Georgia State University. She received her B.S. in linguistics from Shaanxi Normal University in Xi’an, China.