BOARD OF DIRECTORS
Annette Carter,Treasurer
Annette has worked in Personal Financial Planning since 1987, beginning in marketing support services before moving into insurance and investment sales. She joined IDS Financial Services (American Express Financial Planning) in 1989, serving as both a Para-Financial Planner and Personal Financial Planner, supporting senior planners and assisting clients with comprehensive financial needs.
In 1992, she founded ABC Financial Consultants to fill a gap she identified in the industry, providing specialized support to sole practitioners and gaining a wide range of experience from office management to financial services sales, including credit repair, foundation planning, and ongoing service to her own clients.
For the past 30 years, Annette has worked at JPMorgan Chase Bank in various roles across the Retail Bank and currently serves as a Technical Program Manager in the Infrastructure Portfolio Management Unit, overseeing project implementation and tracking for multiple technology groups. She remains active in the financial planning community through her volunteer work with the Financial Planning Association of New York’s Pro-Bono Committee, developing and leading financial literacy programs for several community organizations. Annette views her role as helping clients organize and interpret their financial lives so they can recognize strengths, identify opportunities, evaluate options, and build the confidence needed to secure their financial future.
Cheryl A. Pemberton-Graves, Chairperson
Professionally, Cheryl A. Pemberton-Graves has over twenty years of diverse experience that includes experience in the political arena, providing consulting services to community development corporations throughout the country, with Local Initiatives Support Corporation, managing operational audits, of multi-million dollar public/private/nonprofit organizations with the New York City Comptroller’s Office; and establishing non profit organizations in Brooklyn and Manhattan. She is currently the Chief Volunteer Officer at Lighthouse Guild. Cheryl Pemberton-Graves received her Bachelor of Science in Business Administration from SUNY @ Albany and received her Master of Public Administration from Bernard Baruch College and is a National Urban Fellow. She can be reached at cpemberton@fivepearlsfoundation.org.
Ralph Davis,Secretary
Mr. Davis has had an extensive career as an accountant and financial analyst in both corporate and nonprofit organizations. He has worked as an Assistant Controller of Cancer Care Inc., Mr. Davis has also been a consultant to various non-profit such Women In Need. Mr. Davis has held Senior Finance positions at NBC Cable Networks and News Corporation. As a member of Phi Beta Sigma Fraternity, Inc. Mr. Davis has served in many positions including Chapter President, Chapter Treasurer, Financial Secretary, Audit Committee Chairman of Epsilon Sigma, has also served as the Eastern Regional Treasurer of Phi Beta Sigma Fraternity, Inc. Mr. Davis holds a Bachelor of Science in accounting from the New York Institute of Technology. He can be reached at rdavis@fivepearlsfoundation.org.
Dr. Lenice Nelson,Vice Chairperson
Ms. Nelson is a proud and committed educator working in the Heart of Harlem as an Assistant Principal in District 5. She has over 20 years of experience working at all levels in public education. Ms. Nelson obtained her Bachelor of Science degree in Exercise Science from University at Buffalo, a Master of Science degree in Exercise and Sports Science from Long Island University, Advanced Certification SA/SBL from College of Saint Rose and a recent graduate of ALPAP (Advanced Leadership Program for Aspiring Principals). Ms. Nelson enjoys active membership in Jack and Jill of America, Inc., Associate Jewels and the Parliamentarians of Metro New York. A Charter member of the Sigma Nu Zeta chapter of Zeta Phi Beta Sorority, Inc. in Harlem, NY.
