Tracy is a native of Las Vegas where she grew up and most of her family still resides. Upon high school graduation, she made her way to Northern California and received her Bachelor of Science in Business Administration with a concentration in Accounting from Sonoma State University. Tracy has worked in public accounting since 2015 and earned her Certified Public Accountant License in 2019. Tracy joined the Ghirardo CPA team in June of 2024.

Tracy lives in Santa Rosa with her husband and two young sons. She enjoys listening to music, traveling, and spending time with family and friends.