OnTrack: Financial Education and Counseling

	Our Director Celeste Collins, Executive Director Celeste began her employment with OnTrack in November 1993 as a part-time counselor / educator. Over the next 10 years, her role expanded into the Director of Education & Marketing and in 2002 Celeste became OnTrack's Executive Director. Prior to joining OnTrack she was Vice President, Regional Sales & Marketing Manager for First Union National Banks’ 88-branches in western NC and has experience as a branch manager in consumer / mortgage lending. Celeste holds a BS in Business Administration from UNC-Chapel Hill. She is a member of First Baptist Church Asheville, The Rotary Club of Asheville, WNC Partners for Nonprofit Success Advisory Council, Buncombe County Aging Plan Steering Committee, the City of Asheville Affordable Housing Task Force, and is the current President of the North Carolina Association of Credit Counseling Agencies. Celeste enjoys spending time with her family, playing racquetball, reading, writing poetry, and being an active member of her church community.
	Our Counseling Staff
	Tom Luzon, Director of Counseling Certified Credit, Housing, & Reverse Mortgage Counselor Tom has been with OnTrack since December 2006. His first venture in consumer counseling was with the CCCS of Fayetteville where he worked for two years, first as a counselor in Wilmington and then as the Counseling Manager in Fayetteville. Prior to entering the non-profit sector, Tom spent 20 years in banking, starting as a Mortgage Loan Officer and rounding off his career as the Senior Vice President for the Residential & New Construction Lending Departments. Tom received his BS in Psychology from the University of Nebraska-Omaha with a minor in Military Science. He is a Certified Credit, Housing, Loss/Mitigation, and Reverse Mortgage Counselor and is a Trainer for Student Loan Default. In addition to the Asheville office, Tom also works in the Hendersonville, Franklin, Waynesville and Sylva satellite offices. He enjoys reading, drawing, painting, cooking, birding, and golf.
	Victor Moore, Associate Director of Counseling Certified Credit, Housing, & Reverse Mortgage Counselor Victor joined OnTrack in November of 1998 after working for 10 years in the finance industry. He is a Certified Credit & Housing Counselor, an NCHFA Reverse Mortgage Counselor, and a Certified Credit Review Counselor. Since 1999, Victor has been a great contributor to the Hendersonville community spending 40% of his counseling time at our satellite office. Victor studied at the University of North Carolina in Asheville, majoring in accounting. Victor enjoys bike racing, hiking, and eating good food.
	Chris Berthiaume, Counseling Support Chris joined OnTrack in July 2009. He has a BA in Human Studies and Minors in Spanish and Religion from Warren Wilson College. At OnTrack, he supports the counseling team on Mortgage Default and Modification processing. Chris has worked in sales and customer service with a software developer and consultant, domestic micro-lenders and international microfinance consulting agencies. Originally from Memphis, TN Chris has lived in Asheville for almost 10 years with breaks for travel - which he loves. Chris enjoys backpacking, local delicacies, and has two cats (Georgia and Monkey) and one dog (Moose).
	Jim Carillon, Certified Credit, Housing & Reverse Mortgage Counselor Jim Carillon started with On Track as a volunteer preparing tax returns in early 2008. In January of this year Jim joined the staff managing our Free Tax Preparation program. In the spring Jim helped with an internal reorganization project and then came on staff full time as a certified financial counselor and NCHFA Reverse Mortgage counseling. Early is his career, he received a Masters and Ph. D. in Organizational Psychology from the University of Michigan and a BS in Psychology from Marietta College. Prior to joining On Track, Jim provided organizational consulting and human resource training to numerous organizations for many years and he and his wife designed, built and ran a successful bed-and-breakfast inn for 8 years in the Pisgah Forest east of Black Mountain, NC.
	Jenna Hastreiter, Counseling Support Originally hailing from Portland, Oregon, Jenna started with OnTrack in the spring of 2008. Jenna received a B.A. from the University of Alabama in Interdisciplinary Environmental Studies and a minor in Creative Studies. When not working, Jenna dances way too much. Her current interests are Argentine tango and contra dancing. She also enjoys reading books in one sitting, writing down her crazy dreams every morning, and trying her hand at experimental animation.
	Grace Hines, Certified Credit, Housing, & Reverse Mortgage Counselor Grace joined OnTrack in March 2006 as our first Spanish-speaking bilingual financial counselor. Prior to joining OnTrack, Grace was employed at Mission Hospital as the first bilingual Patient Account Representative. She worked as an advocate for Latino patients, collaborating intensively with Medicaid Representatives, Social Workers, Insurance Companies, and the State of North Carolina. She was born in Quito, Ecuador and moved to the states at age two. She settled in Asheville because the mountains and people reminded her of Ecuador. Grace has experience in consumer lending and one-on-one counseling and is a Certified Credit and Housing Counselor. In addition to the Asheville office, she also works in the Marion and El Centro of Hendersonville satellite offices. Grace spends her time with her husband and four children and enriches her life by cooking, traveling, being active with her church community, and laughing lots while watching TV comedies with her family.
	Tom Schunk, Reverse Mortgage Specialist Tom moved to Asheville from Minnesota three years ago and joined OnTrack in 2009. Before coming to OnTrack, he worked for MANNA FoodBank and Pearson VUE in Asheville. His professional background conveys a range of experience in many areas including teaching, printing, educational testing, and the fine arts. Tom earned his BA from St. John’s University and received a teaching license from Augsburg College. He is an NCHFA Reverse Mortgage Counselor and is spearheading OnTrack’s new senior services initiative by providing reverse mortgage and financial counseling in Asheville and eight of our satellite locations. Tom is a long time martial artist and an accomplished photographer.
	Toshia Verheggen, Counseling Support Supervisor Certified Credit, Housing, & Reverse Mortgage Counselor Toshia began working at OnTrack in 2007 as a Spanish-Speaking bilingual Credit and Housing Counselor. She is a Certified Financial and an NCHFA Reverse Mortgage Counselor. Toshia received her BA in Anthropology and Spanish from Southern Illinois University and has studied and traveled throughout Latin America. Her personal interests include dancing and traveling.
	Tawnya Watts, Certified Credit, Housing, & Reverse Mortgage Counselor Tawnya began working at OnTrack in 2008. She is a Certified and Financial/Housing Counselor and an NCHFA Reverse Mortgage Counselor. Tawnya received her BA in Philosophy from Furman University. Tawnya is an Asheville native and enjoys spending time with friends and family.
	Dave Werle, CFP®, Certified Credit, Housing, & Reverse Mortgage Counselor Dave joined OnTrack as a financial counselor in January 2006. He is a Certified Financial Planner, an NCHFA Reverse Mortgage Counselor, a Certified Credit & Housing Counselor, a Certified Credit Report Review Counselor, and has experience as a personal income tax preparer. Dave is a candidate for CFP certification, after passing the Certified Financial Planning exam in May 2006. Dave’s past work includes eight years of marketing, training, and sales administration in the private sector plus economic development planning, strategic planning and consulting in the non-profit sector. Dave holds a bachelors degree in economics and psychology from Vanderbilt University. He enjoys spending time with his family, hiking, fishing and camping and Chicago Cubs baseball.
	Linda Youngblood, Certified Credit, Housing, & Reverse Mortgage Counselor Linda joined OnTrack in March 2009 as a Financial and Housing Counselor. She has over 14 years experience working in Credit and Collections and 2 years as an office manager and legal assistant for a law firm that specialized in employment and environmental law. She graduated with her Associates Degree from Tidewater Community College and has always been active as a volunteer in her community. Linda enjoys hiking and exploring Western North Carolina area with her boys.
	Our Education Staff
	Laurie Knowles, Director of Education Laurie joined OnTrack in March 1997. She is a Certified Credit & Housing Counselor and a Certified Credit Review Counselor. Laurie designs and conducts OnTrack’s financial education programs throughout the region. From 1978 to 1995, Laurie owned a home-based word processing service. Prior to that, she managed her family's restaurant, The Alpine Lodge, from 1971 to 1978. When Laurie is not educating the masses about money, she enjoys knitting, gardening, and reading.
	Hart Dahlhauser, Financial Educator Hart began working with OnTrack in May of 2008. While pursuing his BA in Anthropology and studying Spanish at Warren Wilson College, Hart worked on the Service-Learning Crew and volunteer with many non-profits and community service agencies in the Asheville area. He has cultivated his Spanish skills by traveling in Latin America and and working alongside Latinos in the Western North Carolina. Hart enjoys music, the outdoors, motorcycles, and learning about technology.
	Carolyn Mc Carter Wood M. Div, MSW, P-LCAS, Financial Educator / Certified Credit & Housing Counselor Carolyn is a native of western North Carolina, "born and raised" in Haywood County. Prior to joining OnTrack in 2005, she was an instructor at AB-Tech. A bit of a professional student herself, Carolyn has earned two Master’s degrees—a Master of Divinity and a Master of Social Work. She recently received provisional licensure as a clinical addiction specialist and specializes in working with people whose financial lives are complicated by addictions, mental health issues, organizational challenges, or domestic violence. Carolyn enjoys camping and kayaking with her long time partner and husband Chip and hiking and rock climbing with her daughter. Her lab hound mix, Oreo, is her constant companion.
	Jonathan Stan sell, Rental Services Coordinator Jonathan joined OnTrack in 2006 to coordinate the Volunteer Income Tax Assistance/Earned Income Tax Credit project and also teaches in the education department. Originally from Greenville, SC, he graduated from Sanford University with a BA in sociology. Jonathan has worked with formally homeless people at a nonprofit that provides affordable housing and as a teacher/counselor for troubled youth at a residential treatment facility. In his free time, Jonathan likes to read about boring things like history and politics as long as it's interesting. He enjoys potlucks but often gets stuck washing the dishes since he's not a very good cook. He likes traveling in faraway places and is always surprised that it is only when he returns home that he gets culture shock.
	Regis Blackburn, Volunteer Regis began volunteering with OnTrack 2006, working closely with Becky Brown and the Home buyer Education Program. For over seven years, Regis has donated his time and expertise in the Asheville community, focusing most of his energy with Home buyer Education programs. We are so fortunate that Regis has chosen to be involved with our work! He and his wife Katherine settled in Asheville in January of 1997, relocating from Greensboro, NC. Regis enjoys hiking and volunteering in his local community.
	Our Administrative Staff
	Becky Brown, Grants Manager and Mission Home Help Coordinator Becky joined OnTrack in 2005 as our WNC Saves Coordinator, helping promote savings, not debt. Becky now manages Grant Coordination and the Mission Home Help program. Becky has a Masters of Public Affairs from Western Carolina University and a BSW in Social Work and is certified in Housing Counseling, Credit Counseling, and Nonprofit Management. Becky likes to get dirty in her garden, go backpacking in the Southern Appalachian Mountains (or anywhere else for that matter), eat yummy food with friends, and discover new ways to live more simply.
	Sarah Brown, Director of Development & Marketing Sarah Brown joined OnTrack in July 2007. Prior to working with OnTrack, Sarah was the Marketing Manager at Neighborhood Housing Services where she implemented the Doors of Asheville event; she has dabbled occasionally in event and P. R. consulting in Asheville. Sarah received her Master’s Degree in Integrated Marketing Communication from Emerson College and her BA in English from Le Monet College. She enjoys advancing at a snail’s pace in her Kung Fu training, telling (and hearing) funny stories, being colorful, and daydreaming about retiring in 25 years as a tour guide in Alaska.
	Wade Rogers, Director of Finance Wade joined OnTrack in November 2008. He is a Certified Public Accountant and received his Master’s of Accounting Science from the University of Illinois received and his BA in Accounting and French from Florida State University. Wade worked in public accounting and in the manufacturing sector before turning his sights to the nonprofit world. Wade enjoys hiking the mountains, traveling the world, and eating a great meal.
	Tara George, Office Manager Tara joined OnTrack in April 2008 as the office manager. She has been in the client service industry for many years and looks forward to making a contribution to her community while working at OnTrack. Tara received her BA in Applied Design at San Diego State University. Recently working in the jewelry industry, Tara now enjoys her time serving the community while working in the non-profit sector. She enjoys traveling, spending time with her family, hiking.
	Adam Cayton, Client Service Representative Adam joined OnTrack in May 2009. As a recent graduate of the University of North Carolina at Asheville, double majoring in Political Science and Spanish he is excited about the chance to apply his degrees to improving lives in his community. He has experience working on political campaigns, volunteering as an ESL tutor and has traveled and studied in Spain. Adam plans to attend graduate school to work on a doctorate in political science. Adam enjoys being politically active, reading social science and fiction, cooking kale from his boss' garden, being in the woods, and finding opportunities to speak Spanish.
	Bonnie Livernois, Client Service Representative Bonnie joined OnTrack in 2007 as a Client Service Representative. Most recently before joining OnTrack, Bonnie was the administrative office assistant at Travel ink and the Human Resource Assistant at CNC/Access. One of the things she enjoys most at OnTrack is speaking with each new client on the phone and the resulting positive impact the services have in people’s lives. In addition to spending family time with her three grown children and four grandchildren, Bonnie’s interests include writing, drama, local travel, and her church, Missio Dei.
	Marjorie Ulin, Client Service Representative Marjorie joined OnTrack in 2008 as a Free Tax Prep volunteer. In 2009, she was recognized as OnTrack's R.E.G.I Volunteer of the Year. Recently Marjorie came on staff as a part-time Client Service Representative, helping connect clients to our agency's services. Marjorie has a strong passion for community work and gives time as a board member at Manna Food Bank, parent volunteer coordinator, and a local and national campaign worker.