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About Us

Established in 2014 by Jeff Pickering, Penny Lane Financial has quickly become a trusted destination for comprehensive financial solutions. Our primary objective is to simplify our clients' lives by offering a convenient one-stop-shop for all their financial needs. Headquartered in Tacoma, Washington, we specialize in providing expert guidance and innovative strategies for successful outcomes and peace of mind.

Jeff recognized the hassle of having to consult multiple professionals for financial services, mortgage lending, and insurance. With that in mind, he built a team at Penny Lane Financial that possesses the knowledge, licenses, and experience necessary to develop comprehensive financial options that cover all aspects of our clients' lives. While many financial service providers claim to consider the big picture, our team sets itself apart by truly supporting that vision with our professional expertise.

At Penny Lane Financial, we foster a culture of engagement where our team members are deeply committed to their work. We prioritize building meaningful relationships with our customers and partners, ensuring that we bring value and a sense of camaraderie to our work environment. Our goal is to create an atmosphere where everyone feels captivated by their contributions and inspired to make a positive impact.

Our Mission

We're on a mission to transform your financial experience.

We offer essential financial services, and our goal is to make your life easier. How? By bringing all your financial needs under one roof, we simplify the way you manage your finances.

Many years ofexperience

10+ servicesunder one roof

licensed inwashington stateand arizona

local andfriendly advice

Our Team

Get to know our exceptional team of experienced, educated specialists who will provide you with the best possible advice and service.

Jeff Pickering

Jeff Pickering

President and Founder

Contact Me

253-224-2375

WA and AZ Insurance Licensed Life, Property, Casualty
WA Designated Broker/Owner MLS #294795

Jeff envisioned a company where he could better serve his clients by offering more than one type of financial service; where people could openly discuss and learn about complex issues with regards to retirement, wealth preservation, insurance and lending. After working 30 years in sales, finance and management, he decided to go into business for himself and quickly moved up the ranks in the financial services industry.

As President and owner of Penny Lane Financial, Jeff takes a fiduciary interest in recommending what is best for each client, including referrals to other professionals if needed. Jeff’s friendly demeanor, along with extensive knowledge, has allowed him to help people with their finances while creating lasting relationships.

His educational background includes a Washington State University Bachelor's degree, trained as a Wealthy and Wise© advisor, WA Designated Broker (Mortgage) and has obtained multiple State licenses in life, property, casualty and lending. He is a current board member of Bates Technical College, a past participant on the Pierce County Goodwill Board of Directors and has active memberships at the City Club of Tacoma and The Fircrest Golf Club.

Jeff lives in Tacoma with his wife Christine, where they have raised two accomplished daughters. He enjoys fishing, barbequing, golf, wood-working and walking with his dog Baxter.

Jeff Cathersal

Jeff Cathersal

Financial Advisor

Contact Me

253-312-3267

Securities and Insurance Licensed

Jeff Cathersal has been a Financial Advisor for over 20 years, His education and expertise shows in his ability to connect and help his clients.

Jeff has a BBA from the University of Portland and holds Series 6, 7, 63 and 65 securities licenses along with State of Washington Life, Disability, Variable Life & Variable Annuity licenses.

Born in Tacoma, Jeff enjoys golfing, hiking, skiing and spending time with his wife, Kate, and their two daughters.

Xenia Toderenciuc

Xenia Toderenciuc

Insurance Specialist for Home/Auto/Umbrella

Contact Me

253-278-4243

WA Insurance Licensed Life, Property, Casualty #1093083

Xenia was born in Moldova and has lived her most of her life here in Washington. She loves being close to her family, hiking and traveling this wonderful country. The mountains, greenery and fresh air are things she loves about Washington.

Xenia has been an insurance agent for 3+ years and enjoys figuring out the best options and cost for your personal insurance. She is excited to be involved in our addition of commercial insurance for business clients. She will spend quality time and energy working with you to make the experience a great one.

Her dog Casper keeps her busy in her off time while she hones her cooking and blogging skills. Look her up on Instagram.

Terry Rutland

Terry Rutland

Senior Loan Officer

Contact Me

253-209-2923

NMLS #406290

Terry has been in the mortgage business for over 20 years and is a Certified Mortgage Advisor. He enjoys helping clients and their families find the right mortgage through education, guidance and customer care.

His expertise lies in a thorough knowledge of current loan products and the extensive guidelines. With his intuitive understanding of the underwriting and processing ins and outs he helps his clients get the best loan possible in the most efficient way.

Terry is a long-time resident of Pierce County and lives with his wife Laurie. They raised 4 children in his hometown of Gig Harbor and he loves to golf, boat and spend time with his family.

Matt Allen

Matt Allen

Senior Loan Officer

Contact Me

253-222-9256

NMLS #121232

With over 30 years of experience in sales and sales management, coupled with more than 14 years in the mortgage industry, Matt Allen is a seasoned professional dedicated to turning your real estate dreams into reality. As a Senior Loan Officer and Mortgage Advisor, Matt brings an unbeatable depth of knowledge to his work, specializing in residential mortgages for primary residences, second homes, and rental properties (1-4 units). His commitment and expertise make him a trusted partner in navigating the complexities of the mortgage landscape.

Katie Parker

Katie Parker

Operations Manager

Contact Me

253-223-5252

WA Insurance Licensed Life, Disability, Property, Casualty

Katie has over 35 years of knowledge and experience in the financial services industry. She has held numerous positions in banking, real estate and insurance with a focus on customer service and education.

Her guiding light has always been serving those she works with to help them to a better understanding of their goals and assets. Through years of learning, working and networking Katie has become an expert in how to make your experience with us a positive and valuable one.

Her education includes licenses in Life, Disability, Property and Casualty Insurance and past Real Estate and Lending Professional licenses.

Katie has grown up and raised a family in Pierce County. In her off-time you will find her working on a creative project, spending time with her family or enjoying our beautiful Pacific Northwest..

John Williamson

John Williamson

Financial Advisor

Contact Me

253-732-8957

Securities and Insurance Licensed

John Williamson has been a Financial Advisor for over 30 years. His vast experience and kind nature make him a unique and effective Advisor.

John's education includes a BS in Business from Oral Roberts University. He holds Series 6, 7, 63 and 65 securities licenses as well.

Raised in Tacoma, John spends his time with his wife Karin and their large family. Enjoying the Pacific Northwest's many amenities and golfing are some of his favorite pasttimes.

Rosemary Godwin

Rosemary Godwin

Senior Loan Officer
Eastern WA Branch Mgr

Contact Me

509-775-3147

NMLS #272677

Rosemary has served in the financial industry for over 30 years. Though her primary role has been as a mortgage lender, she has been fortunate to have held a wide variety of positions over the years including credit analyst, bank manager, grants and contracts manager and paralegal. She has developed a keen ability to navigate ever-changing regulations and lending programs while making customer care her highest priority. She takes great pride in having received multiple awards for delivering outstanding customer service.

Having spent most of her life as a resident of Pierce County, Rosemary and her husband, Marion, now reside in rural Republic, WA where they enjoy small town life and outdoor adventures. They are classic car enthusiasts and active supporters of the local Eagle Track Raceway.

Tina Steele

Tina Steele

Certified Reverse Mortgage Professional
Arizona Branch Mgr

Contact Me

520-861-2821

NMLS #250989

Tina has been in the mortgage industry since 2007, specializing in reverse mortgages and making it her niche business. Witnessing the positive impact of the program on her grandmother in Washington State, Tina recognized its tremendous potential for the right individuals in Tucson. She dedicates time to thoroughly explain program options, recognizing it as a significant decision that requires careful consideration. Clients working with Tina experience a pressure-free environment, receiving upfront information to make informed choices.

Residing in Oro Valley with her husband and two teenage boys, Tina leverages her local presence to provide dedicated reverse mortgage education to Tucson clients. As a committed Tucson Reverse Mortgage Broker, she finds immense joy in witnessing the positive transformations these programs bring to individuals.

At Penny Lane Reverse, Tina's commitment to customer service goes above and beyond. Clients are treated with respect and kindness. While acknowledging that the program may not suit everyone, Tina emphasizes its tremendous benefits for those it aligns with. Having witnessed these benefits in numerous loans, she finds great satisfaction in serving the community.

Get expert advice from a local and friendly company. 
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