Joseph D. Navarro, Sr. was born in Bolivia in a little town near the Argentine border. His mother was a teacher and together with his father with help of a priest from Germany founded a village school for the local Indian children that otherwise would have no chance at education. Prior to starting high school, Joe was sent to the US to get a better education and have an opportunity for a better life. Joe attended high school in San Anselmo and attended San Francisco State obtaining a degree in accounting and finance. He attended Stanford University graduate school of business and obtained a certificate in Advanced Management.
After graduation, Joe worked for a local bank for 13 years starting as an accounting officer and leaving as a Chief Accounting Officer to relocate to Sacramento. Joe held several accounting executive positions (CFO, VP Of Finance) as well as Director of Customer Service and Operations. His focus has always been strategic planning, business process improvements, management, and following accounting principles to make sure the organization stays on course to the plan financially.