Caroline works with high-net-worth individuals and families, specializing in diversifying concentrated stock positions, implementing growth and preservation strategies, and customizing client cash management programs. Before cofounding Sage Rhino Capital with her husband, Igor Lotsvin, she was a wealth management advisor at Merrill Lynch.

Caroline has been advising clients since 2001, when she started her wealth management career at Morgan Stanley. Prior to entering investment and wealth management, she held roles in financial analytics and product management at a telecommunications company and a Silicon Valley technology startup.

Caroline is a graduate of UC Santa Barbara, where she was a member of NCAA Division I, Women’s Tennis team. She grew up in Europe and has traveled the world extensively. Combining her athletic and social interests, Caroline has been a member of the Olympic Club since 1995. In addition to playing tennis, she enjoys golf, mountaineering, rock climbing, distance running and CrossFit.