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 and structural risk analyst whose work sits at the intersection of investment advisory, credit analysis, and business risk. She works with business owners, tech professionals with equity compensation, and clients with digital asset holdings who need a licensed professional with genuine technical depth, not a generalist who refers out when it gets complicated.

Her foundation was built in financial analysis before it was in wealth management. As a Senior Finance Analyst she earned a promotion within six months and delivered half a million dollars in cost savings and a 23% reduction in leverage costs through data-driven financial modeling. Her role as a Financial Solutions Advisor at Merrill Lynch added direct client-facing investment advisory experience to that analytical base. She has also conducted government audit work, including a completed systemic risk audit for the California Department of Food and Agriculture, which required structured interviews across every level of an organization, document and personnel record analysis, and the identification of structural risk that was present in the evidence but invisible in the reported picture. That discipline carries directly into how she reads a business.

Through Watts Advisory, Kirandeep also offers the Substrate Standard, a system-wide structural audit for owner-operated businesses without a full-time CFO. The audit reads twelve risk dimensions spanning physical operations, capital structure, customer and supplier concentration, regulatory exposure, governance gaps, and macro sensitivity, and delivers a coordinated report and brief for every member of the client's advisory team. The first read is no charge.

She holds Series 7 and 66 licenses and NMLS and DRE credentials, and is a CFA Level I candidate. 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.

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