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board members

The A-team that makes it all happen


Crystal D. Smith has over 20 plus year of experience in the financial and insurance industries, excelling as a highly effective and recognized leader. Her career journeys some widely known financial institutions including: National Bank of Detroit (currently JP Morgan), Auto Club (AAA) of Southern California and Michigan, John Hancock, MetLife Insurance Companies, Standard Federal and Bank of America.


Throughout her career, Crystal amassed notable achievements including developing a youth program entitled “Pimpin Wall Street: A Guide to Investing for Youth,” during her tenure as GPD Regional Youth Director for Michigan, Ohio & Indiana. Her efforts lead to a partnership with Mary Grove College in Detroit where she co-developed and facilitated a comprehensive continuing education financial planning course for General Motors Corporation Auto Worker Union members.


After retiring from Bank of America, Crystal continued her passion for effectively teaching essential financial literacy concepts by becoming a Certified Financial Education Instructor (CFEI) through the National Financial Educators Council and founding Peciaum Education Center for Finances, PEC Finances.


Dr. Toni Stokes Jones currently resides as a professor of educational technology at Eastern Michigan University and Interim Associate Dean at Eastern Michigan University College of Business.


Dr. Jones’ career began in 1998 when she received a Ph.D. in instructional technology from Wayne State University. Her research focuses on technology access, digital literacy and e-learning capabilities of college students with emphasis on African American female students.


Since then, Dr. Jones stellar career as included serving as a member of the Board of Examiners for the Council for the Accreditation of Educator Preparation (CAEP) from 2003 – 2015 and also serving on the Board of Directors of the International Society for Technology in Education (ISTE) from 2000-2003. Other accomplishments include serving as co-principal investigator for the Wayne County U.S. History & Geography Project where she focused on building competence in history through the use of Geographic Information Systems.



Glynn Coleman is a native of Las Vegas, Nevada with over thirty years of experience helping the community with economic issues as a Business Professional in the financial industry. We are elated to have Glynn on board at PEC Finances given his passion for motivating, offering guidance, wisdom, and inspirational leadership to all that seek an opportunity to change their lives and promote money management skills.


In January 2011, Glynn retired from the State of Nevada under the impression he’d never work again. However, in March 2012, he came out of retirement to work with nonprofits organizations. He was elected to serve on the task force of solving problems and issues with direct authority from the Board of Directors. Glynn has also had the opportunity to serve at the homeless missions in Los Angeles’ Skid Row as well as on other Boards and Committees including The Los Angeles Mission, Harvest Homes, Architectural Committee at Civitan International, The Southern Nevada Children’s with Diabetes, and other committees with non-profit organizations.



Gwen has over 35 years’ experience in the banking industry with a deep background in commercial lending and private bank lending. Her expertise in credit approval and credit administration, coupled with a background in middle market business development, internal loan, and credit review, has allowed Gwen to hold notable senior level positions including: SVP and SCO at Northern California-California Bank & Trust, SCO at First Republic Bank, and SCO at The Private Bank-Silicon Valley Bank.


Gwen holds a special interest in financial literacy and has been a strong advocate for women and girls in her community and beyond. Her deep roots in her community has afforded her executive positions with various community groups including Treasurer and Finance Chair of The United Way of the Bay Area, Treasurer and Executive Committee with Girl Scouts USA; Board of Directors with the Association of Junior Leagues International Inc.; and Leadership Director on the Board of the American Association of University Women.


Gwen Wong currently resides as Vice President of Business Banking at the Meriwest Credit Union in San Jose, CA. Where she has achieved profitability in her first year with the company in 2013 after the previous 10 years of unprofitable operations. Gwen and her team have been recognized as having one of the strongest under-writings in the industry.


Janet Bentley-Ewers has over 15 years of financial experience and currently operates in a financial advisory role for IFS Advisory in Mt. Pocono, Pennsylvania.  She is registered with the U.S.Securities Exchange Commission (SEC) as an Investment Advisor as well as with Financial Industry Regulatory Authority (FINRA) as a Broker.


Juan Salinas started working for The Salvation Army on April 9, 2015.  Hired as the Homeless Services Coordinator, Juan managed and ran the Homeless Shelter and Hostel.  In 2017,  Juan was promoted to Assistant Director of Social Services where he continues to show his love for helping people and seeing people succeed.  He looks at his job as more of transformations rather than transactions and embraces his interaction with others as an inspiration for him.

emmanuel jones - social media specialist

Emmanuel Jones represents the Millennial population for PEC Finances Board of Directors. As a Second-year student at Eastern Michigan University, Emmanuel is hailed as the most award winning High School journalist in the state of Michigan. His accomplishments include being the first African American Editor in Chief of his High School's Newspaper "The Perspective.”  During his tenure from 2014-2016, he and his staff have won over 150 awards as members of the paper, making their school newspaper the most award-winning high school paper in the country.


Emmanuel was very sought after by many colleges and universities as a student leader. After graduating with honors from Plymouth High School he committed to Eastern Michigan University where he was immediately selected as one of the Captains of the Eastern Michigan University’s Student Section Organization, ‘Eagle Nation’. He plans to continue his studies in education with plans on becoming a teacher.