Lecture helps women get money-wise

CARMEL VALLEY — Join Richard M. Ina, a lecturer and senior vice president for UBS Financial Services Inc., for a discussion on the “7 Ways Women Sabotage TheirFinancial Future” from noon to 1:30 p.m. Jan. 15 at the Arterra Restaurant,

11966 El Camino Real, San Diego. Ina has been helping women navigate the financial challenges they face for 25 years.

Special guest speaker, Michelle Bergquist, national author and speaker will present how business women can work smarter, not harder, and share strategies to

improve your career. She will also review the “Five Key Elements to Being Referable” and “Building Your Network.”

Each attendee will receive a free copy of Bergquist’s book, “How to Build a Million Dollar Database,”

A complimentary lunch will be served. Reservations are requested by Jan. 11

by calling Gabriella Sheffield at (858) 947-7989 or e-mailing