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Njugi Nginyo is an Executive Managing Director at Mod Financial, specializing as a Tax-Free Retirement Specialist. With a background in various financial roles at companies such as Allstate, Carpet World, Sterling Home Mortgage, American Reliable Insurance Company, Honeywell Aerospace, and Ameriprise Financial Services, Inc., Njugi has extensive experience in finance and insurance. Njugi holds an MBA in Finance and Accounting from the University of Pittsburgh Katz Graduate School of Business, a Juris Doctorate in Banking, Corporate, Finance, and Securities Law from the University of Pittsburgh School of Law, and a Bachelor of Science in Business Administration and Management from the University of Pittsburgh.