Fozia graduated from University of Central Florida with a B.S. degree, majoring in Finance. Upon graduation, she worked at an investment bank as a stockbroker then at an insurance company as registered representative, to gain valuable experience, as well as develop the foundation for her business. Fozia’s ultimate dream was to be an independent representative and business owner. She founded FM Financial Services in 1992 and the company was incorporated in State of Florida in 2000. The corporation has evolved over the years, at first financial products were the only services offered, but after careful planning and strategizing, Fozia recognized the need to diversify her services. In 1996 she added accounting services for small to medium sized business and individuals. Years later, she attended Keller Graduate School of Management and received her MAFM (Master of Accounting & Financial Management degree). Fozia understands the unique factors that come with creating a well thought-out strategy for her clients. That’s why she specializes in helping her clients and their families address their financial, estate, and retirement needs and take into account both their business and personal financial situations.