Penny@JMRFG.com Ms. Nemec is a graduate of the University of Minnesota, Duluth and earned a B.Ac. (Bachelor of Accounting) degree in 1995. She completed her AA degree with a focus on Accounting and Business Administration from Mesabi Community College, Virginia, MN in 1993. For the past 20 years she has worked in various accounting support positions for a few local retail and service businesses in the Duluth area. In January 2016, she joined JMR Financial Group and provides accounting and payroll services.