About Your Advisors

After a 30-year career in public safety and 16 years in the Army National Guard, I transitioned into financial services in 2009 with the same core motivation: helping people and doing the right thing. What began as a part-time role while still on the force became a full-time calling after retirement. I’ve since worked with RIAs, broker-dealers, and a major bank in the Bay Area, bringing the same dedication, integrity, and problem-solving mindset to financial planning that I brought to public service.

I hold FINRA Series 7, 63, and 65 licenses, as well as California Life, Health, and Long-Term Care insurance licenses. I’m also a Certified Financial Planner™, Enrolled Agent, and Certified Tax Coach®. As a member of the Financial Planning Association, I focus on providing ethical, personalized financial advice to help individuals and businesses achieve long-term security and peace of mind.

I live in Walnut Creek with my wife and our two sons.

Kirandeep is a Walnut Creek-based financial advisor who specializes in three client situations where technical depth genuinely matters: tech professionals navigating meaningful equity compensation events, business owners who need coordinated advice on lending, liquidity, credit structure, and investments, and clients with digital asset holdings who require a licensed professional to help them understand the regulatory and compliance landscape.

Her professional foundation was built in financial analysis and credit risk before it was in wealth management. As a Senior Finance Analyst, she earned a promotion within six months and delivered measurable results including half a million dollars in cost savings and a 23% reduction in leverage costs through data-driven financial modeling. Her subsequent role as a Financial Solutions Advisor at Merrill Lynch added direct client-facing investment advisory experience to that analytical base. It is the combination of both that sets her apart: she can read a client's balance sheet the way a CFO would and advise on their investment strategy the way a planner should.

Kirandeep holds Series 7 and Series 66 licenses and is sitting for CFA Level I in November 2026. Her NMLS and DRE credentials allow her to engage directly with clients whose wealth is entangled with real estate or private lending, a common situation among Bay Area business owners that most advisors cannot address without referring out. Her academic background includes an MBA in Finance from Capella University, a B.S. in Finance and Economics from California State University Bakersfield, and graduate-level coursework in Statistics and Data Science through MIT Sloan's MicroMasters program.

Kirandeep is a native speaker of English and Punjabi with full professional proficiency in Hindi. For Bay Area South Asian families navigating complex financial decisions, having an advisor who communicates fluently in their language and understands their cultural context is not a small convenience. It is the difference between a client who feels truly understood and one who simply feels processed. For Punjabi and Hindi-speaking business owners and tech professionals, Kirandeep represents a genuinely rare combination of technical rigor and cultural fluency.

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