I'm Sheldon like the TV show! (Big Bang Theory). I help analytical high-achieving adults who feel stuck in patterns of anxiety and depression untangle their inner world and reconnect with their deeper self-using insight-driven therapy, dream exploration, and a creative lens that helps them uncover what's been buried beneath the surface. Do you often say, "I'm successful on the outside but exhausted and anxious inside," "overthinking everything, but still feeling stuck," or being in a "constant sense of restlessness or dissatisfaction," or being a person who "struggles to access or name emotions clearly." I help clients have greater awareness and emotional clarity and begin to feel grounded, self-trusting and more internally connected. I hope to reduce anxiety and depression symptoms through deeper insight and ability to recognize and break unconscious patterns. I help clients discover meaning through creative exploration, and dream work. I want clients to increase their confidence in navigating relationships and decisions and moving from analysis paralysis to self-acceptance and expression. My areas of expertise are in Depression, Anxiety, Chronic Mental Illness, Risk Assessment, Trauma, PTSD and Substance Abuse Disorders.

I am licensed in California for more than eight years of experienced, I have provided therapy services to individuals ages 14 to 70, couples and families, helping them learn coping skills they can apply in their daily lives to enhance their overall quality of life. My goal is to provide a safe space where people can share their feelings and thoughts without feeling judged.

My name is James Clark and I am a Licensed Clinical Social Worker (LCSW) based in California providing therapy through tele-health throughout California. I work with adults and specialize in depression, anxiety, trauma, and addiction through the use of Cognitive Behavioral Therapy, Mindfulness, and Schema Therapy. I believe that a strong therapeutic relationship and mutual understanding are key to reaching my client’s goals.

You're a courageous person for making this often difficult first step, especially if you have never done therapy before. Whatever has been causing you pain, know that we will work together to understand the root causes and develop coping strategies that work. I am a therapist with many years of experience in both outpatient clinics and inpatient hospitals. I work with adults and teens and I specialize in treating depression, anxiety and trauma. The first half of my career I provided therapy to children and families, then later began working primarily with adults and teens. I have also led group therapy in both inpatient and outpatient settings for adults and teenagers. My approach is collaborative and client centered, balancing both empathic attunement and taking a more active role with use of experiential techniques.

My name is CynDee Pakyurek, PhD. I am a licensed psychologist in California (License PSY33716). I completed my graduate studies at California School of Professional Psychology. I was employed at Mayo Health System, Minnesota, for several years before I moved back to California, where I now work in private practice. I see clients both virtually and in-person. I know it may be difficult to take that first step to seek help. I believe that prioritizing mental health is a key to a happier, stable life.

I'm a licensed marriage and family therapist who is passionate about supporting adults heal from trauma, depression, anxiety, as well as self-esteem and relationship challenges. I graduated from the California Institute of Integral Studies' Community Mental Health program, and have years of experience working with children and families impacted by systemic issues, trauma, and chronic stress. My experiences navigating cultures and identities, and my ongoing work with multicultural individuals and families, have given me an understanding of cultural humility that informs how I relate to each person's unique perspective. With a client-centered, compassionate, and culturally-responsive lens, my work weaves psychodynamics and attachment theory, as well as mindfulness and somatic awareness to help encourage insight, self-compassion, and a stronger, more flexible center within oneself.

My name is Jacob Garel, a licensed marriage and family therapist with a unique background in the military as a Pararescueman. With 20 years of experience serving and saving lives, I bring a deep understanding of crisis situations and a passion for helping individuals and families in need. Specializing in psychodynamic, Rogerian, and existential approaches. Whether it's grief work, PTSD therapy, or accompanying you on your mental health journey, I am dedicated to walking beside you every step of the way.

Good day, I am Stewart. I am a relational therapist; I use the therapeutic relationship to do meaningful work for you in my practice. I provide client-centered psychodynamic therapy with a focus on CBT, DBT, and mindfulness strategies to help you find your own way to your goals. I'm a helpful guide who believes in your ability to find your own solutions. I offer non-judgmental, professional support for people seeking perspective and insight into their issues. I have worked with people with severe mental health and addiction issues in the past at non profit organizations, which has allowed me to hone my therapeutic skills in clinical environments where there was great mentorship and support.

Hello, my name is Megan. I appreciate you taking the leap to want to do something different in your life. I know how hard talking about some of these big life issues can be like the death of our person, living through the struggle of infertility and acknowledging the weight of our anxiety is too much. Sometimes, we are stuck in our loop and yet, we do not have the perspective how to shift the big feelings to make you start to feel better. In the beginning of working together, I want you to feel comfortable sharing your story. Everyone arrives wanting a witness to their grieving at different stages of their process. Your relationship is to different each person had a different relationship to their person. I believe the importance of listening to what is said in the room or what is not said. Many times we are not able to verbalize our pain of trying to live without our person. I think a very necessary part to our healing is to be witnessed by another. My goal is to always create safety in the room. I am a fairly transparent therapist sharing sometimes my personal journey to connect and help clients realize they are not alone in their pain. I look forward to joining you in your healing journey.

My experience as a therapist is wide-ranging: I have worked in adult rehab, child development, college counseling, women's trauma recovery, and individual online and in-person work with teens, adults, and seniors. I currently work exclusively with adults and seniors in an online setting. I found my way to therapy living and working across three continents, through careers in the theatre, and in teaching at all levels up to post-graduate professional development. My clinical and life experiences have helped teach me the value of community, and a strong and dynamic sense of self-worth.

I am a Licensed Clinical Social Worker with over 28 years of clinical experience. I have worked in County Mental, Substance Abuse, and Health Care settings with a wide range of individuals throughout the age spectrum. Reaching out for help can feel overwhelming. It takes courage and strength to reach out, yet it is the beginning of the healing process. I work from a client-centered whole-person approach that draws on your strengths to collaborate with you to bring about healing. If you are experiencing stress, anxiety, depression, struggle to stay focused, not being able to complete tasks, unable to find time to enjoy the things you like to do, and/or struggling with relationships; now is the time to take that step. Let's work together to create solutions to bring about a better quality of life. Today is the day to change your tomorrow.

I am a licensed marriage and family therapist who is passionate about mental health and providing transformative healing for individuals dealing with anxiety, depression, and life transitions. I have been in practice for 7 years providing clients with guidance towards self-discovery and resiliency using evidence-based therapy modalities such as cognitive behavioral therapy, solution focused brief therapy, and motivational interviewing. I am currently working with individuals 18+.

Thank you for visiting my profile. I have been in the mental health field for 35 years and have worked in many settings and with many issues throughout my career. I have a doctorate in clinical psychology, a masters in clinical social work and a masters in counseling. I am comfortable working with all populations and strive to meet my patients where they are in their process.

I am a licensed marriage and family therapist. My passion for counseling started in 6th grade where I was nominated to be a peer counselor and I saw the power of how communication, active reflective listening and conflict resolution could shift relationships. I grew up in a chaotic household and studying psychology helped me to develop compassion, empathy and understanding where there was profound pain. My own experience with trauma, depression and anxiety helps me to understand clients from a lived perspective.

Bienvenidos! Soy Norma. Welcome! I am Norma, a Licensed Clinical Social Worker specialized in depression, anxiety and life transitions. Culturally sensitive therapist, committed to help older adults (60+) overcome life challenges utilizing Cognitive Behavioral Therapy which focuses on identifying and changing maladaptive thought patterns and replace them with more objective and realistic thoughts. As a Latina woman, I have had the privilege of serving the Spanish-speaking community, and my goal is to create a compassionate, supportive space where older adults could feel safe, understood and empowered.

My aim is to foster a supportive and safe space for you to explore your feelings, thoughts and challenges. My work will help you recognize the power within you & source( whatever you believe in is totally okay in my world, I respect all) and trusting that it all works out the way it should! I have also faced my own life challenges, moved across the country to my dream states and more, which I believe has taught me to have more compassion and an open mind. Hence, why I always state I am a human first. One of my biggest strengths that helps foster a safe space for my clients, is my unconditional acceptance & operating from an unapologetic authentic framework, whilst helping them get to the level they desire. * I do offer a scaling rate for fees, please reach out for more information on that*

I’m a Licensed Marriage and Family Therapist with over 13 years of experience specializing in OCD and anxiety. I provide telehealth therapy to clients across California and offer services in both English and Spanish. My approach is warm, collaborative, and structured. I aim to create a space where you feel understood and supported, while also helping you make real, meaningful progress. I use evidence-based approaches like Exposure and Response Prevention (ERP) and Cognitive Behavioral Therapy (CBT) to help you reduce anxiety, manage intrusive thoughts, and break out of patterns that feel overwhelming. I understand how exhausting it can be to feel stuck in cycles of overthinking or anxiety, and my goal is to help you feel more in control of your thoughts, your choices, and your daily life. Therapy with me is not just about talking—it’s about learning practical tools and building the confidence to handle what comes up outside of sessions. Soy terapeuta licenciada (LMFT) con más de 13 años de experiencia especializada en TOC y ansiedad. Ofrezco terapia por telehealth en todo California en inglés y español. Mi enfoque es cálido, colaborativo y estructurado. Utilizo métodos basados en evidencia como ERP (Exposición con Prevención de Respuesta) y CBT para ayudarte a reducir pensamientos intrusivos, manejar la ansiedad y salir de patrones que te hacen sentir atrapado/a. Entiendo lo agotador que puede ser vivir con sobrepensamiento o ansiedad constante. Mi objetivo es ayudarte a sentirte más en control de tus pensamientos y tu vida, con herramientas prácticas que puedas usar dentro y fuera de sesión.

Hi there, I'm really glad you're here. Looking for a therapist can feel overwhelming- but when you find someone who truly gets you, it can make all the difference. My hope is to be that person for you. I'm a first generation Mexican-American therapist, and while most of my sessions are in English, I also speak Spanish and enjoy working with bilingual and bicultural clients. I know how important it is to feel seen and understood, especially when navigating different parts of your identity and life experiences.

I am a Latinx therapist who began practicing in 2013 and have experience helping people heal and continue on their mental health journeys. I love to support individuals in feeling confident in their own choices and finding their best self. I hope to help you too in finding your own healing path going at your own pace and deciding what you want to focus on.

Teisha, the heart and soul behind Mental Wellness with Teisha, a mental health practice in California. Teisha is a licensed marriage and family therapist with over 15 years of experience. As the founder of a Black, female-owned business, she is dedicated to offering mental health services that reflect her deep commitment to education, advocacy, and community support. Our practice is built on compassion, integrity, and collaboration. These core values guide us in providing the highest quality of care and ensure a respectful and empowering experience for all our clients.

I'm a Licensed Clinical Social Worker (LCSW) in California. I received my Master's Degree in Social Work from California State University, Northridge and have been practicing for 12 years. I am a diplomate of The Academy of Cognitive Therapy. As a licensed therapist specializing in Cognitive Behavioral Therapy (CBT), I am committed to helping clients identify and transform negative thought patterns and behaviors that contribute to their emotional difficulties. Through CBT, therapy focuses on the interplay between thoughts, feelings, and behaviors, empowering clients to make meaningful changes in their lives. My goal as a therapist is to support you in understanding and overcoming the challenges you face, while equipping you with the tools and strategies needed for long-term success. Through a collaborative and empathetic approach, we will work together to achieve your goals and improve your overall well-being.

I'm a Licensed Clinical Social Worker who supports parents, children, and individuals navigating trauma and relationship challenges. I offer a warm, collaborative space to reflect, heal, and take meaningful steps toward change. With experience in early childhood, special needs, and immigrant families—and as a parent myself—I bring empathy and insight to our work. Together, we’ll uncover your strengths and focus on what matters most to you.

I treat eating disorders across the spectrum, including ARFID and binge eating disorder, using DBT, emotion-focused interventions, and EMDR when appropriate to address underlying trauma, distress intolerance, and entrenched avoidance patterns. My work focuses on reducing symptom-driven coping (restriction, avoidance, bingeing) while building sustainable skills for emotion regulation, distress tolerance, and recovery-oriented eating. When you’re ready to begin your recovery journey—or if you simply need a supportive check-in to regain stability and momentum—I invite you to reach out to schedule a consultation.

My name is Nick Davis I'm a 34-year-old, Licensed Professional Clinical Counselor (LPCC), based in San Diego, California working with clients throughout California via telehealth. I work with both adolescents and adults and specialize in a variety of areas including but not limited to depression, anxiety, trauma, impulsivity, relationship concerns, and suicidal ideation. My approach to therapy is eclectic, meaning it is based on the needs of the client. I believe in a collaborative approach to help the client identify their primary needs and tailor therapeutic interventions to meet those needs. I specialize in several modalities however I most commonly use Cognitive Behavioral Therapy, Dialectal Behavioral Therapy, and Acceptance and Commitment Therapy.

I am shaped by lived experience, cultural humility, and a deep respect for the therapy relationship. I help clients explore patterns, meaning, and emotional experiences in a safe, collaborative space. I believe healing happens when people feel understood, empowered, and free to grow at their own pace. I see therapy as a collaborative process—one that honors resilience, complexity, and the client’s innate capacity for healing.

I am a licensed therapist (licensed in September 2025) with over 15 years of experience walking alongside individuals during some of the most challenging and tender moments of their lives. My work has deeply focused on end of life care, grief and loss, trauma recovery and supporting those living with depression. Whether you are coping with loss, processing past trauma, or feeling overwhelmed by sadness or uncertainty, I offer a steady, supportive presence as you work toward understanding, healing and renewed hope. It is my privilege to support clients as they navigate pain, discover resilience and reconnect with meaning and purpose in their lives.

Hi! I am a Licensed Marriage and Family Therapist (LMFT). I have been practicing for 15 years. In the past 7 years, I have engaged in doing short-term, goal-oriented therapy with adults. I have always thought that individuals (especially adults that seek out therapy willfully) have in them the potentials to rethink their situation and work towards resolving their concerns when provided the appropriate tools allowing them to clearly see and identify what their objective is at that time.

I am a Licensed Clinical Social Worker with over 3 years of experience supporting individuals through anxiety, life transitions, and relationship challenges, with a special focus on perinatal and postpartum mental health. I have experience working in NICU and high-risk obstetric settings, where I supported clients navigating pregnancy complications, postpartum adjustment, and the emotional toll of medically complex pregnancies. I take a compassionate, trauma-informed, and collaborative approach, creating a safe space where clients can build coping skills, strengthen boundaries, and feel supported and understood during vulnerable seasons of life.

I'm a licensed therapist specializing in anxiety, depression, ADHD, and life transitions. My approach focuses on developing awareness of how our thoughts, emotions and behaviors are connected, fostering resilience, and empowering clients to work through their challenges. I enjoy creating a non-judgmental and affirming space for adults with short-term or long-standing mental health and emotional distress. Feelings of anxiety and the need for isolation can be internal cues to request reconnection to what makes our lives meaningful. Ideally, enjoying the moment, knowing how to soothe overwhelming feelings, and engaging our sparkling personalities helps us feel alive. My clients enjoy my approach of exploring practical strategies by using guiding questions. Exploring thoughts and emotional pain benefits from curiosity and compassion. I am also trained in EMDR, which can be supportive in reframing negative belief systems and releasing trauma.

I specialize in working with individuals navigating life transitions, anxiety, depression, and trauma. My approach is client-centered and collaborative, tailored to your unique needs, goals, and pace. You'll find a safe, nonjudgmental space where you can be your authentic self. Becoming a social worker is a commitment to walking alongside others through their most difficult moments. My path began volunteering at a shelter, where I witnessed the power of listening and advocacy. Each experience has affirmed that social work is where I belong: helping people through their healing journey.

I am a Black therapist dedicated to creating a healing space rooted in safety, authenticity, and respect. I offer a nonjudgmental environment where you can show up as your full self and feel supported in your healing journey. My work focuses on anxiety, depression, trauma, life transitions, relationship challenges, self-esteem, and identity exploration. Together, we explore emotions, patterns, and experiences while developing practical solutions that support growth, clarity, and emotional well-being. Born and raised in Los Angeles, my family's roots in a third-world country have instilled in me a profound appreciation for cultural diversity. I earned my undergraduate degree in Social Work with a minor in Gerontology from Mount St. Mary's University in 2009. I then pursued my Master's in Social Work at California State University, Dominguez Hills, graduating in 2011. Additionally, I hold a Mental Health Certificate.

Hi! I’m a Licensed Clinical Social Worker in California, and I’m passionate about helping people heal, grow, and rediscover their strength. Life can feel overwhelming at times, and you don’t have to go through those moments alone. My goal is to offer a safe, compassionate space where you can breathe, be yourself, and begin creating the change you want to see. I have extensive experience working with anxiety, mood disorders, trauma and PTSD, infertility, pre- and post-partum challenges, substance use, and the unique experiences of first responders, active military, and veterans. Through my work in private practice, nonprofit organizations, government agencies, and hospitals, I’ve learned that everyone’s journey is different and that healing happens when we feel truly understood and supported. In our sessions, I take a collaborative and empowering approach. Together, we’ll explore what’s holding you back, uncover your inner strengths, and build tools to help you navigate life’s challenges with confidence and clarity. I believe therapy should feel like a partnership, one that honors your story, celebrates your resilience, and helps you move toward lasting growth and balance. Whether you’re seeking relief from anxiety, healing from trauma, or simply wanting to reconnect with yourself, I’m here to walk alongside you. You deserve to feel grounded, hopeful, and at peace — and I’d be honored to support you on that path.

I am a Licensed Marriage Family Therapist (LMFT), and I have worked with clients with a wide variety of concerns including schizophrenia, personality disorders, depression, anxiety, substance use, relationship problems, and trauma (physical, emotional, sexual). I also have extensive experience working with people involved in the criminal justice system. Reaching out for support is the start of achieving your goals and enjoying a more fulfilled life. I recognize that starting therapy can be a scary process and opening up to someone you don't know can be uncomfortable. This process will open the door for therapeutic healing and success in achieving your treatment goals. I look forward to working with you!

Hi! I'm a Licensed Marriage and Family Therapist and Art Therapist based in California. I have two masters degrees one from Notre Dame de Namur University in Counseling and Art Therapy, CA and an MA from Hunter in NYC. Most of my experience is with children, couples, families and severe mental illness, also PTSD, Military Trauma, Substance use and ( for children ) parental imprisonment. I have also worked extensively with teenagers and sexual abuse. My style is attachment based and i may use art therapy directives if this is something you would like to explore. Apart from Trauma and especially sexual trauma, sex addiction and substance use i am also well versed in Perinatal, Post Partum and Parenting.

Hi! I am a Licensed Clinical Social Worker (LCSW) based in California. I received my Masters from Azusa Pacific University and I have been practicing for 6 years. I am bilingual and the proud daughter of Latino immigrants. I have dedicated my career to help my clients overcome their mental health challenges and live healthier lives. I have experience in various clinical settings including group homes, community mental health, schools, and with the justice system.

I’m Dr. Farah Pez, a licensed clinical psychologist with over 20 years of experience supporting adults through anxiety, depression, trauma, grief, and life transitions. My work is rooted in a person-centered, non-judgmental approach that empowers clients to reconnect with their inner strengths. With a cross-cultural background and extensive clinical training, I provide a compassionate, grounded space where you can explore your thoughts, emotions, and experiences with honesty and confidence.

Hello, I’m a Licensed Marriage and Family Therapist, I earned my Master’s degree at Mount Saint Mary’s University. I have worked with women for the past 6 years during pregnancy and postpartum time periods of life, as well as during other transitions in life. I am deeply committed to supporting individuals, particularly women, as they navigate the unique challenges of life’s transitions.

Hello! I’m a Licensed Clinical Social Worker who earned my Master’s from USC in 2014. If anxiety or depression has made you feel disconnected from who you are, I am here to help. I pride myself on seeing the fullness of every client I work with, embracing life's complexities and dualities to help you navigate your unique path toward healing.

Hello! I have been continuously licensed as a Clinical Psychologist since 1999. I grew up poor in inner city Cleveland. I was the 1st in my family to complete a college degree of any kind. I was a truck driver before I became a psychologist. I have a neuromuscular disability which effects my lower arms and hands and lower legs and feet. I use a wheelchair for long distances but I can walk a little. I graduated with a BA in psychology from Cleveland State University in 1992. I graduated with my doctorate in clinical psychology from the Illinois School of Professional Psychology in Chicago in 1998.

I provide online individual therapy to adolescents and adults across California, offering services in both English and Spanish. I have experience assessing and treating a wide range of mental health symptoms and disorders, and I approach therapy as a collaborative process where we work together to identify goals and create meaningful change. I view you as the expert of your own life, and I’m here to offer support, guidance, and a fresh perspective when it’s helpful. My hope is that our therapeutic relationship empowers you to navigate both present and future challenges with confidence. I’m passionate about helping clients build long‑lasting, positive change through Cognitive‑Behavioral interventions, mindfulness practices, and solution‑focused strategies designed to reduce symptoms, alleviate stress, and support you through life’s transitions.

Hello ~ My name is Georgia and I am a Licensed Clinical Social Work. My life experience, education and extensive professional training has brought me on a wonderful journey of helping others. I focus on creating an open and safe environment where thoughts and feelings can be shared in a nonjudgemental space. As a therapist, it's an honor and privilege to be part of the lives of my clients and the ability to walk along with them in their most vulnerable times.

Hello, I am an LMFT for over 20 years, and my life experiences (growing up bicultural , traveling the world, working with military mental health, researching life and death) and drive for educating myself in many areas has given me a unique view and ability to assist those on a similar path of self knowledge. I enjoy the excitement of others achieving goals and making successful transitions in life. Life is an adventure that you create with your thoughts and desires. I am honored to help you get to the next place you want to be.

For over 10 years, my work spanned from court advocacy to case management for immigrant and underserved communities in Los Angeles. I have worked in community mental health providing culturally responsive therapeutic services including harm reduction and crisis counseling. Rooted in social justice, my work as a therapist is an extension of my passion in helping others empower themselves and assist in their healing journey.

Hello, I am a licensed professional clinical counselor in the state of California, I live in the Palm Springs area of Southern Cal. My goal in life is to assist others with their mental health challenges and provide them with tools and education that will help them successfully manage these challenges. I look forward to seeing you in one of my sessions.

I am a Licensed Clinical Social Worker (LCSW), and I value using a whole-person and empathic approach in every session. As an LCSW, my goal is to help individuals improve their mental health, address relationship difficulties, and adjust to challenging life changes. I approach therapy from a trauma-informed and client-centered perspective, utilizing Cognitive Behavioral Therapy (CBT), Dialectical Behavioral Therapy (DBT), Motivational Interviewing (MI), Solution-Focused and Strength-Based interventions

Marriage & Family Therapist | Couples Counseling | Postpartum & First-Time Parent Support The transition into parenthood can place unexpected strain on even strong relationships. Many couples experience increased conflict, emotional distance, or difficulty communicating after the birth of a child. First-time parents may also struggle with anxiety, overwhelm, identity shifts, and symptoms of postpartum depression or anxiety that feel isolating or hard to name. I specialize in working with couples and first-time parents navigating relationship stress and postpartum mental health challenges. I support clients through this transition by helping them strengthen communication, rebuild emotional safety, and develop practical tools that support both individual well-being and long-term relationship health. Clients often come to therapy feeling stuck, disconnected, or unsure how to move forward together. In our work, we slow things down, identify unhelpful patterns, and build skills for emotional regulation, clearer communication, and deeper connection — both individually and as a couple.

I am a Licensed Marriage and Family Therapist located in the state of California. I received my Master's Degree from Antioch University Los Angeles and have been practicing for 18 years. Working together, I help adults work to find solutions to ongoing issues causing anxiety, sadness and loneliness in their lives so they may become the best version of themselves.

I believe that healing begins with a strong, supportive relationship, which is why I take a client-centered approach - meeting you where you are, listening without judgment, and creating a safe space where you feel seen and heard. I have extensive experience working with teens and young adults working through anxiety, depression, family dynamics and life transitions. My goal is to help you better understand yourself, building resilience, and develop tools to manage life's ups and downs. Whether you're feeling stuck, overwhelmed, or just not like yourself, I'm here to support you on your journey towards feeling more grounded and empowered.

I have been a licensed clinical social worker since 2018 and have worked in the social work field since 2015. I began my therapy practice in 2022, specializing in working with individuals experiencing anxiety and depression. While it may sound cliché, I am genuinely passionate about helping clients find relief in the moment while also making small, practical changes that support lasting improvement over time. My therapeutic style is warm, approachable, and grounded in a nonjudgmental space where clients feel safe and supported.

Hello, my name is Carol Metcalf-Roth, LMFT, and I have been working with clients for 21 years as a Licensed Marriage & Family Therapist. My career history includes progressive experience as a Therapist, Director of Social Services, and Clinical Supervisor, working in agency services, hospitals and private practice. I am also a licensed Military Family Life Counselor with previous counseling to current and former military and their families. I have many successfully treated clients. I do accept private paying clients if you do not have insurance. I require a credit card on file for non-insurance clients.