Ann Larkins Laurence was born in Marin County, California. Raised in Kentfield and San Rafael and attended College of Marin. In 1972 she began working at the Bank of Marin and from 1973 to 1983 she served as the personal secretary to William P Murray, Jr. Founder and Chairman of the bank. In 1983, she went to First National Bank of Marin as the Administrative Officer. In 1985, she began her own management consulting firm offering office and administrative systems to small companies. In 1991, Ann expanded her services as a financial advisor by becoming a registered representative and worked in that capacity for ten years.

Ann married Richard M. Laurence in 1989 and they reside in San Rafael, CA. Ann has two children, two stepchildren, and six grandchildren. Ann has volunteered actively for over thirty years and has served on numerous committees in various capacities. She has held long-term board and officer positions in several organizations, including: Marin Concert Association, San Rafael High School Scholarship Foundation, Gerstle Park Neighborhood Association, Marin Coalition, American Red Cross Bay Area, Rotary Club of San Rafael, Marin History Museum, and Roots of Peace.