DEBBIE CHARPENTIER has been named 2012 Southern California Planner of the Year for Lincoln Financial Advisors. Charpentier joined Lincoln 25 years ago. She specializes in financial planning for individuals, families and busy couples. A graduate of San Diego State, she has Series 7 and Series 63 state life insurance licenses. She is active in local organizations including Kern Leadership Alliance, the Bakersfield Women’s Business Conference and Reflections Ministry.