Past Featured Members
Denise Caldwell, HB Resources Insurance Services
As president of HB Resources Insurance Services, Denise Caldwell is available for her clients 24/7. Her company is an independent insurance agency serving Bay Area small businesses. It specializes in employee benefits, offering customized products to meet the needs of a company and its employees. It also offers personal insurance, business insurance, and life insurance products. Clients who work with HB Resources Insurance Services find that Denise takes the pain out of administering insurance requirements.
In addition to running her company, Denise has coached and mentored associates in her industry, providing them with the knowledge and expertise she’s gained through her 30-plus years in insurance. She says it’s inspiring to give back and pay it forward, because she had many mentors and coaches that helped to build her career. Denise was a student of, and later a teacher of a Toastmaster-type class for a local insurance women’s association called "Communicate With Confidence." Denise credits it with helping her to gain the confidence, seek opportunities, and move forward in her career. Denise says, “I never thought I could run my own agency, but here I am!”
As a member of MDBW for the past six years, Denise says she’s gained fellowship, knowledge, and self-improvement from her participation in the group.
Good referrals for Denise are businesses that also provide services or products to small businesses, such as bookkeepers, accountants, payroll administrators, human resource administrators, and commercial bankers.
When not working, Denise helps care for her 87-year-old aunt who lives alone, cannot drive, and is beginning to show the first signs of dementia. Denise takes her to medical appointments, does her grocery shopping, picks-up prescriptions, cleans her house, and visits with her.
Some of Denise’s favorite leisure activities are hiking with friends, and traveling (it hasn't been so easy during the pandemic), but she has an upcoming ski trip planned to Heavenly in South Lake Tahoe. A dog and two guinea pigs keep her busy, and Denise and her husband also enjoy visiting with their daughter who attends UC Santa Barbara.
Dale Marie Golden, Vice-President, Bridge Bank
Dale Marie Golden is very active in business and the local community. In addition to being a Vice-President at Bridge Bank, she is also an officer in several associations and consults in fundraising and board development in numerous other nonprofits. She was recently elected to the board of directors of Oakland Parks and Recreation Foundation and was awarded the Anne Woodell Business Leader Award. Dale Marie also serves on the Oakland Ballet Board and the Oakland Teen Empowerment Board. She is an officer in three other associations and consults in fundraising and board development in 11 other nonprofits.
At Bridge Bank, Dale Marie specializes in lines of credit, loans, and commercial lending. She offers special programs for small businesses and nonprofits. She says she loves that Bridge Bank is a community bank with all the bells and whistles of a big bank, and adds, “We are a relationship bank not a transaction bank so you know we truly care.”
Dale Marie mentors clients on how to take their business to the next level. They benefit from working with her by gaining the ability to expand their services through best financial practices and credit products. Dale Marie says, “I am the silent partner in your business that will not be silent. After 28 years in banking I am happy to help take your business to the next level.”
Good referral sources for Dale Marie are any nonprofit 501(c)(3), woman-owned business, trust and estate lawyers, and fiduciaries. Dale is an active member of MDBW and says she enjoys being with other professional women on a monthly basis.
When not working or involved with community organizations, Dale Marie loves to read and has been in the same book club for 30 years. She also enjoys bringing orchids back to life and swimming. Her favorite thing to do is being with her 2-1/2 year old grandson, (even on Facetime)!
Visit Dale Marie’s LinkedIn page to learn more about her.
Pam Beyer, Beyer & Associates
Pam Bayer has worked in the bookkeeping and write-up accounting industry for almost 40 years. She started her firm, Bayer & Associates in 1988 as a bookkeeping firm helping small businesses with their record keeping. After a while, Pam realized that she was providing clients with information about what to look for when doing their taxes and making estimated payments. She then studied, passed the required tests, and began doing taxes as an added service to her business in 1995.
Today, she works exclusively with small businesses, including sole proprietors, "C" and "S" corporations, partnerships, non-profits, as well as income tax preparation specializing in individuals and small businesses. She is a member of the East Bay Association of Enrolled Agents.
Pam enjoys her clients and educates them on current laws and government rules and regulations pertaining to their businesses. She is very cognizant of the need for secure systems and the confidentiality of clients' personal information and takes steps to safeguard everything.
Pam says her firm is very family oriented and even allows clients to bring their children and sometimes their dogs.
A good referral for Pam is someone who cares very much about their business and is committed to growing a business that has integrity and honesty.
Pam serves as treasurer on Mt. Diablo Business Women’s board of directors. She says she enjoys the women she has met in the group as well as becoming aware of the types of businesses in the community.
Pam is currently giving back to the community by making donations to food organizations that are helping the many people in need during the pandemic. When not working, Pam enjoys engaging in her hobbies that include activities as a singer and a musician, reading, making origami, and magic tricks.
Mary Schulze, GRI, SRES
Realtor, Intero Real Estate Services, Mt. Diablo Business Women Founder
Mary Schulze is a realtor with Intero Real Estate Services, serving Contra Costa and El Dorado counties, and she is also the founder of Mt. Diablo Business Women. She founded the organization in 1994 to help local businesswomen build business relationships, referral networks, and partners. Today the group boasts almost 70 members from a variety of business sectors. In addition to being the group’s founding member, Mary also serves on the Board as program chair, and is responsible for bringing speakers on business and personal development topics to the group’s monthly events.
Mary’s vast network of contacts has helped her to be a successful real estate consultant, helping clients sell their houses, and buy a dream home in what is now a very competitive market. She enjoys finding the right home for each buyer, whether they are a first-time homebuyer or a senior who is downsizing.
Clients benefit from Mary’s almost 20 years of experience in the San Francisco Bay Area and the Sacramento region, as well as her negotiating experience, which provides clients with the fair price on purchases and closing the deal. As a realtor with Intero Real Estate Services, clients can have worldwide and local exposure and marketing, all of which can result in swift action on multiple offers.
The best referrals for Mary are new business lenders, insurance agents, contractors, handyman services, divorce attorneys and CPAs. She also receives many referrals through word-of-mouth from happy clients, along with the many friends and business contacts she has met through her years as the founder and member of MDBW.
In addition to her work as a realtor, Mary is active in the community. She contributes a portion of her transactions to a non-profit focused on serving children and the elderly in the community. She is also a member of the Assistance League of the Sierra Foothills, a non-profit that has helped to support over 1,500 children and adults in the community.
When she’s not working, Mary enjoys cooking, playing the piano, learning to speak Italian, playing with her dog, Maxx, a giant schnoodle, and being with family and friends.
Visit Mary’s website to learn more about her.
Belma Mirvic, Financial Advisor, Edward Jones
As a financial advisor at Edward Jones, Belma Mirvic’s vision is to take time to get to know her clients and become knowledgeable about what is important to them. She empowers them by providing the information they need so that they can have the confidence and comfort to live they life they want. Belma enjoys being able to positively impact clients’ lives.
Belma provides clients with guidance on retirement planning and creates personalized strategies including estate consideration, college planning, and insurance. In addition, she works on making adjustments when life happens and partnering with clients for life. She says that with her guidance, clients can reach their financial goals.
As a financial advisor, Belma says she wants to help make a difference in people's financial lives and to help them stay on track to reach their financial goals. She knows that everyone's path is different and unique, so she listens to understand what is important to each client.
Belma’s own path began in Bosnia where she grew up. As a young child, she had to go through something unexpected - the Bosnian war. Because of that, she knows that life can be unpredictable, from losing someone you love to a daily struggle with money. It was not easy growing up like that, but Belma says she learned to see life with different eyes and appreciate small things.
Good referral sources for Belma are estate attorneys, CPA/enrolled agents, real estate agents, insurance specialists and Medicare consultants.
While Belma is a relatively new member of MDBW, she is already quite active in the group and is on the board of directors as co-director of membership and hospitality. She says a benefit of joining the group has been the amazing friendships she’s made.
Volunteering is something she enjoys, and Belma is also involved in the Mt Diablo Moms Club and the Walnut Creek Chamber of Commerce.
In her free time Belma enjoys spending time with her son, husband, friends and family, and traveling.
Gordana Zura, Communications Director, CASA of Contra Costa County
Gordana Zura is Communications Director for Court Appointed Special Advocates (CASA) of Contra Costa County. She sets and guides the strategy for digital communications, marketing, website, social media and collateral media to articulate, promote, enhance and advance the mission, vision, and goals of CASA. The organization recruits, trains, and supervises volunteers who work with children and youth in foster care who are the victims of abuse and neglect. CASA volunteers are ordinary people willing to make an extraordinary difference in the life of a child that has experienced distress and mistreatment.
Volunteers, highly trained by CASA, and appointed by judges to advocate for foster children, and to help them move out of foster care into a safe home environment, whether reuniting them with their family of origin, or through adoption. They make sure kids don’t get lost in the overburdened system.
Gordana enjoys working at CASA because it contributes to good in the world. She loves the entire CASA team who she describes as great, hard-working, knowledgeable people who all work really well together.
Gordana is an integral part of MDBW. She has been on the organization’s Board of Directors for several years as Director of Digital Technology and works diligently to keep the MDBW website current. She says she’s benefitted from being involved with the group and that it’s helped her understand how to find solutions for business problems, build meaningful relationships with business women, and boost her energy and motivation. The group’s camaraderie and support is what she sees as one of MDBW’s best features.
When not working at CASA or making improvements and updates to MDBW’s website, Gordana enjoys roller skating, hiking, website design, and singing. She also makies beautiful and unique jewelry pieces that are often popular raffle items at MDBW events.
Learn more about Gordana by connecting with her on LinkedIn.
Diane Salmon, Diane Salmon Writing & Consulting
Do you have a business plan, Request for Proposal (RFP) submission, email newsletter, donation letter, or web content that you need to write? Has it been lingering on your to-do list, either because you don’t have the time, or you simply don’t like to write? If this sounds familiar, then no worries! Delegate your writing projects to Diane Salmon, owner of Diane Salmon Writing & Consulting.
Diane can help you clearly communicate your ideas and information to your customers, business partners, a grantor, or other decision-makers to influence them to respond to a call to action to move your business forward. The content Diane produces will steer your audience to make a donation, purchase a product, award a grant, or click a link for a free trial.
Delivering results is what motivates Diane. She enjoys using words to organize, craft, and deliver projects, and feels especially rewarded when her work delivers top results for clients. She also enjoys each project’s discovery process — meeting new people, understanding how the project supports their goals, and learning about their business and areas of expertise.
A good referral for Diane is someone who has a specific writing need, whether a one-time project or routine needs such as an email newsletter, an annual business plan, or using a company’s business results to create RFP proposals. She is currently writing grant applications and RFPs for B-Corporations, and various non-profits, including Yours Humanly, a global education nonprofit.
Diane also writes Mt. Diablo Business Women’s email newsletter as part of her role as Publicity Chair on our Board of Directors. Being a MDBW member for several years, Diane says it’s the friendships, encouragement, and creative ideas she gains from the members that she most appreciates. She values the inner personal benefits of a support group combined with the outer business benefits of networking and education.
When she’s not working, Diane can be found outdoors walking, running, hiking and backpacking. She also loves reading and doing “just for fun” writing, which she sometimes pairs with her husband’s great photos.
To learn more about Diane, visit her LinkedIn page.
Monica Stein, Lifestyle Engineer
Monica Stein’s company is Omthentic You. She is a lifestyle engineer, helping people feel better in their bodies, become stronger, and learn to find stillness— all with the purpose of helping them find their authentic self. Once that occurs, good choices for oneself and others can be made.
Monica’s journey to becoming a lifestyle engineer began as a child when her father taught her how to meditate. She discovered she was intuitive but not knowing how to cope with her intuition, blocked it off completely.
At college she studied civil engineering and a few years after graduating received an MBA while working at The Boeing Company. During this time she studied different types of meditation and rediscovered her connection to her intuition.
Over the years, her idea was brewing to help people connect to their authentic self. She became a Chopra Center certified instructor and learned many healing modalities.
Today, those who work with Monica feel better in their bodies, are stronger, and are able to find stillness. Monica enjoys seeing the results in those she helps, especially the change in their face and overall demeanor.
A good referral for Monica is someone who is looking for a break from life, a moment to find peace and stillness.
Monica is a new member of Mt. Diablo Business Women. She says the women she’s met have been an inspiration for her. In describing the group’s members she says, the women “show up, they have integrity, they are kind and purposeful.”
She gives back to the community by volunteering with animal rescues, something she has been involved in for about 20 years. She also has given free yoga and meditation classes.
When not working, Monica enjoys her dog rescue volunteer work, walking her own dogs, reading, walking in nature, learning, practicing yoga, and meditating.
If you are seeking peace and stillness in your life, Monica has a beautifully wrapped box of wonderful tools and techniques to help you. You can learn more about her by visiting her Facebook page, or connecting with her on LinkedIn.
Andrea Burnett, Rodan + Fields
Andrea Burnett is a Level V Circle Consultant with Rodan + Fields, which provides innovative skincare products and tools addressing common skincare concerns, including aging skin, sun damaged skin, sensitive skin, and acne.
Helping her customers find the right products to address their skincare concerns, is what Andrea enjoys about her business. She says, “Our company is known for the great results our skincare regimens and tools produce.” As a personal consultant to her customers, Andrea helps them each step of the way, from purchasing their products to teaching them how to use the products, to making sure the products are working for them.
She also enjoys mentoring the women who join her team as independent consultants, giving them the business tools and personal development skills to create a successful business.
A good customer referral for Andrea is someone with skincare issues they want to resolve. To join her team, Andrea is looking for enthusiastic, coachable women who will enjoy sharing the products they love with their networks. Women currently on Andrea’s team represent various professions including doctors, nurses, teachers, stay-at-home moms, makeup artists, realtors, and insurance agents.
Andrea recently joined Mt. Diablo Business Women and says she has found the organization to be a group of professional businesswomen at the top of their fields who are welcoming, supportive and caring. She says, “I know that I can confidently refer any woman in this group to my network of friends and family.”
When not working, Andrea enjoys cooking for friends and family, getting outdoors to hike, and spa retreats with girlfriends! She also gives back to the community by donating to a number of different charities, holding Great Skin for a Great Cause events each quarter, and by volunteering her time to mentor young women.
Teresa Currivan, Therapist and Parent Coach
Teresa is a licensed marriage and family therapist and parent coach. She works with parents whose children are struggling in school, because they are highly creative, highly sensitive, or exceptional.
As a parent coach, Teresa guides parents through a process that includes referrals to appropriate professionals, discussions of outcomes of assessments and services, emotional support, and overall seeing them through to a positive outcome for their family and children. She enjoys helping parents understand and get through difficulties with their child, and prides herself on being a go-to person for gifted and twice-exceptional (2e) families. Parents benefit from Teresa’s work, because they come to understand their children and themselves from a strength-based approach. For those who cannot afford coaching or therapy, Teresa offers a sliding scale.
Teresa actively shares her knowledge, giving talks about twice-exceptionality to faculty at San Francisco Bay Area schools, and has educated therapists on the topic. She offers free support groups to parents of gifted and 2e children. Her writing on giftedness and twice-exceptionality can be found online including on Mother.ly, Filter Free Parents, GHF (Gifted Homeschoolers Forum) and Hoagies Gifted Education Page.
Teresa appreciates referrals from schools, parent groups, doctors’ offices, psychological testing centers, or anyone who sees an outlier child struggling in school.
As a recent member of Mt. Diablo Business Women, Teresa has quickly become active in the group, joining the board of directors as hospitality co-chair. She says she enjoys the supportive atmosphere gained from meeting other businesswomen.
When not working with families, Teresa enjoys hiking, yoga, and parenting her teenage son.
For more information, visit Teresa's website, helpmychildthrive.com, or connect with her on Facebook, Twitter, LinkedIn, or Instagram.
Debi White, Travel Consultant
Debi White, owner of My Travel Consultant likes to say that life is too short to take a bad trip. Specializing in leisure travel, she prefers to work with clients with higher-end expectations for cruising and world travel. You can rest assured the trip she’ll plan for you will be a memorable experience.
Debi is more than just a travel agent. She goes beyond simply taking direction from clients on what to book. Rather, Debi spends time talking with her clients and getting to know them so she can find what will work best for their vacation needs and wants. Because she’s been in the travel industry for over 17 years, she has acquired a great deal of knowledge and resources for products and destinations that can be difficult to find online. Plus, Debi is expert at saving clients both time and money.
Debi has been a member of Mt. Diablo Business Women for over ten years, including serving on the board of directors for many years, including as co-president. She says she enjoys the relationships she’s developed with the group’s professional women. She has gained business from the group and referred others to women in the group, but she emphasizes that MDBW is more than just business—there’s also camaraderie among the members.
When Debi is not planning trips for her clients, she enjoys reading, spending time with her family, especially her grandchildren, and of course traveling extensively throughout the world.
Donna Austin, Health and Wellness Coach
Donna Austin is a certified Health and Wellness Caach, a registered nurse with 20+ years of experience, and owner of Optimal Wellness. She has extensive knowledge of chronic diseases such as diabetes, obesity, and heart disease. As a health coach, she empowers people to heal their bodies from the inside out, helping them to make choices that restore digestion, prevent inflammation, improve energy levels, and result in weight loss, better sleep, and improved mental clarity.
Donna has had great success helping individuals improve their nutrition and digestive health. She says that an unhealthy gut can make for an unhappy life and be the cause of symptoms such as low energy, moodiness, weight gain, anxiety, stress, insomnia, skin issues, and autoimmune diseases. After working with her, clients are able to find the happy in their lives. She coaches them to make the right food choices for a healthy gut, and be inspired to transform their lives.
She enjoys helping clients with their specific needs so that they can be successful in their health journey. A good referral for Donna is someone over 30 years old experiencing gluten intolerance, dealing with food sensitivities, has Hashimoto’s disease, digestive problems, anxiety, or unable to lose weight.
What Donna enjoys about Mt. Diablo Business Women are the many outstanding entrepreneurs that she’s met, and appreciates that members provide mentoring and support to others.
When not coaching clients to better health, Donna enjoys dancing, including salsa, swing, and tango. She also likes being physically active, either at the gym, or hiking in the outdoors.
If you need help pinpointing your health issues and want solutions to feel better, visit Optimal Wellness Coaching, and start on the path to good health.