Elsa Colmenero earned a BBA 1991 from the University of Texas at El Paso, became a Group 1 Licensed agent for the state of Texas in 1993. She is licensed to do financial planning in all 50 states (USA).  Elsa Colmenero is a certified Clarity & Culture Catalyst Trainer, and a Certified Health and Life Coach specializing in Financial planning, business development, and empowering adults and young adults to build on their talents to live a happy, and fulfilling life.