Our Team

Since he was a teenager, Bill knew he wanted to work in financial services. Having seen his parents struggle as immigrant business owners through the aftermath of the subprime mortgage crisis, Bill recognized that he has a passion for helping families and entrepreneurs with their finances. After studying Finance from Babson College, Bill began his career in financial services at the age of 20.

After just a few years as an Advisor, Bill was awarded the 2017 New Org Associate of the Year Award and qualified for MDRT in 2017 and 2018. In 2019, Bill took on the challenge of becoming a Partner with New York Life and NYLIFE Securities. By 2021, Bill was recognized as the number one Partner in the country out of over 450 Partners across the country. Shortly after, he was promoted to Senior Partner, having tied the record for the fastest Senior Partner promotion in the company’s history. In 2022, Bill was awarded the prestigious 2022 “Val Ivanov” Trophy for the best personal performance by a Managing, Executive, or Senior Partner. Wanting a more holistic approach to financial planning, Bill started working more in a fiduciary role in helping clients.

Considering himself a self-proclaimed “finance nerd,” Bill loves to read about new financial and investment strategies. In his spare time, Bill likes to practice MMA, meditate, sing Karaoke in dive bars, and go to Stand Up Comedy Shows.

Having grown up all his life in Ireland, Daire went on to college in Dublin, obtaining a B.A. in Finance from Dublin City University and later completing an M.Sc. in International Economics at NUI Galway, both in Ireland. In 2015, after finishing the Masters, he made the decision to relocate to San Francisco, which has been his home for the past 8 years.

He studied for the world renowned Chartered Financial Analyst program and passed in the fastest possible time which opened doors to him in Investment Management in San Francisco. One of these open doors was City National Rochdale (part of RBC), where Daire worked in Portfolio Management as an analyst then as an associate from 2017 to 2021. He was responsible for managing the trades of an investment book of $4 billion split over 1,700 portfolios for a team of three senior portfolio managers. CNR’s expertise is in managing diversified portfolios, which often include equity, fixed income, and alternative investments, aiming to achieve long-term growth and capital preservation. Daire then moved from the CNR trading desk, across the street to New York Life to put himself in front of the client - as a financial advisor, specializing in providing comprehensive financial planning and advisory services to individuals, families, and businesses.

At the weekends, Daire is found coaching middle school age rugby on treasure island, to both boys and girls for the Golden Gate Youth club. Daire also plays rugby for the Olympic Club in San Francisco and intends to play until his body forces him into coaching.

Daire also DJs music in the Bay Area for large events 8-10 times a year, from fundraising parties, to business openings, and bars or nightclubs. He mixes disco sounds from every corner of world into a set, and is a regular each year at Burning Man for Celtic Chaos...

With a foundation in early childhood education and psychology, Jessica has had the privilege of nurturing and educating children both as a dedicated teacher and committed nanny in Marin County for several years. However, the transient nature of these relationships fueled a desire to make a more enduring and impactful contribution to families.

Motivated by her grandfather's legacy as an advisor and her mother's tenure as a trust officer, Jessica embarked on a transformative educational journey. She earned a bachelor’s degree in economics from San Francisco State University in 2021—an achievement that not only brings personal pride but also serves as a testament to inspire others in pursuit of their dreams and financial aspirations.

Whether establishing a secure financial foundation for newlyweds, guiding families through mortgage decisions, streamlining savings plans for a child's education, or planning for the care of aging parents, Jessica is devoted to providing financial strategies that instill confidence and security on the path to financial freedom.

Outside the office, Jessica's passion revolves around maintaining a healthy lifestyle. She dedicates her time to preparing nutritious meals for her family and friends, indulges in outdoor activities such as gardening, beach walks, and hiking Bay Area trails with her boyfriend, Corey. Committed to continuous self-improvement, she consistently seeks to advance her education to better serve her clients...

Sharif is a dedicated financial professional, leveraging his expertise to assist a diverse clientele, ranging from individuals to businesses. His fiduciary approach involves tailoring financial solutions to meet unique needs, combining analytical skills with strategic thinking.

Beyond the world of finance, Sharif's life is enriched by outdoor pursuits. Camping and hiking are not merely hobbies but gateways to personal growth and a profound connection with nature. These experiences rejuvenate Sharif’s mind and spirit, providing balance to his professional life. Passionate about more than just numbers, Sharif is deeply involved in the thriving car community. From sleek rides to powerful engines, he finds inspiration in the intricacies of automobiles. Being a part of this dynamic community not only fulfills his automotive interests but also connects him with like-minded individuals who share a common enthusiasm for the open road.

Sharif’s commitment extends beyond financial transactions; he strives to build lasting relationships with his clients. By understanding their unique situations and aspirations, he aims to be a trusted partner in their financial journey. As a member of BNI, a diverse professional network, he collaborates with professionals from various fields. This allows him to offer clients a holistic approach to problem-solving, ensuring they receive comprehensive support.

By combining financial awareness with a passion for community involvement, Sharif aims to create a positive impact. Whether navigating financial landscapes or exploring the great outdoors, his journey is guided by a commitment to excellence, continuous learning, and fostering meaningful connections.

Satya Willingham, a seasoned Recruiting Coordinator and Licensed Insurance Agent, brings a wealth of experience spanning real estate brokerage, insurance, financial, and tax services. With a master's degree in Psychology from California State University, Bakersfield, Satya possesses a unique understanding of clients' needs.

As a professional therapist, humanitarian, and singer, she employs a holistic mindset in approaching financial services, tailoring personalized strategies for each client's distinctive situation. Satya's commitment to mindfulness and meditation adds a grounded and focused dimension to her financial planning expertise.

Collaborating with talented colleagues, Satya is dedicated to achieving excellence in client service, fostering financial well-being, and cultivating lasting relationships built on trust and integrity. Satya stands out as a multifaceted professional with a proven track record and a passion for connecting with individuals and businesses to meet their diverse needs.

Julian Villamizar is a versatile professional who wears multiple hats in the fields of data analysis, financial strategy, and relationship building. With a background in engineering and expertise in data analysis, Julian excels at decoding complex financial puzzles. However, what truly sets Julian apart is his passion for building genuine connections with clients.

Rather than just making clients, Julian believes in creating lasting friendships. Julian's interests lie in tax planning, family protection, and retirement, further showcasing his commitment to holistic financial well-being. With a focus on meaningful relationships, financial expertise, and a dedication to client interests, Julian is ready to collaborate and build financial bridges together.

Zeus's career, shaped by both personal adversity and global exploration, embodies resilience and a commitment to fostering financial security. The loss of his family's assets during the Japanese economic crisis in the 90's highlighted the critical need for strategic financial advice—a lesson Zeus took to heart. This experience ignited his passion for protecting business owners, entrepreneurs, and their families from similar financial distress, ensuring they have access to knowledgeable guidance to safeguard their futures and legacies. Zeus's motto is "It's not how much money you make, it's how much you keep at the end.

Before pivoting to finance, Zeus was an entrepreneur who lived in 5 continents and visited 50+ countries as traveling being his top passion.

In his leisure time, Zeus cherishes moments with his daughter, travels the world as well as to Japan mostly to see his parents, reconnects with friends and family, and indulges in health and wellness. Embracing his multicultural heritage, he views the world as a familiar playground.

Mehar is a passionate financial professional dedicated to empowering individuals and businesses within the Indian community in California.

Mehar guides her clients towards a secure future by providing comprehensive financial planning services, including:

Estate Planning: Safeguarding family legacies with seamless asset transition.
Retirement Planning: Building a strong foundation for clients' golden years.
College Planning: Strategizing for a child's bright educational future.
Asset Protection: Ensuring assets are protected for future generations.
Tax Reduction Strategies: Minimizing your tax burden and maximizing financial growth.

Mehar's understanding of both Indian and American cultures allows her to navigate the intricacies of US financial planning with a culturally sensitive approach.

Before entering the financial field, Mehar honed her communication and collaboration skills through community engagement and collaboration with government officials. This strong foundation, coupled with her financial expertise, positions her to provide exceptional service to her clients.

A creative spirit, Mehar enjoys exploring new ideas and staying active. Her dedication to lifelong learning extends to mastering languages and acquiring new skills.

Michael Tran, a seasoned insurance and financial professional with over 15 years of experience, has successfully guided his clients through three recessions, ensuring their continuity during challenging times.

He specializes in collaborating with small and medium business owners, providing expert assistance with business tax deductions, employee benefits, business owner life insurance, and business succession planning. When he is not analyzing financial data, you can find him enjoying a fishing trip, exploring scenic routes on his bike, capturing memorable moments behind the lens, or supporting local businesses as a dedicated food enthusiast.

Alvaro Perez brings together 24 years of expertise, professionalism, and access to a diverse range of financial products and services to support you in achieving your financial aspirations. Committed to nurturing enduring client relationships, his foremost priority is guiding you towards your goals.

One of the key benefits of engaging with Alvaro is his talent for delivering clear, easily comprehensible explanations of complex financial products and services, tailored to the Hispanic business community. With his bilingual expertise and dedication to Hispanic communities,Alvaro ensures that clients receive personalized and culturally relevant financial guidance.

Alvaro is particularly passionate about estate planning, retirement, and tax reduction strategies.

When not strategizing for clients, he finds fulfillment in volunteering, traveling, and sampling new culinary experiences.

For a discussion on your financial future, reach out to Alvaro today.

David Velazquez is a bilingual multi-industry expert who specializes in assisting individuals in achieving their life and financial goals. He embarked on his journey in the renewable energy industry and subsequently transitioned to the insurance sector to offer his clients a broader range of options.

This transition provided him with valuable insights into what is truly essential and valuable for both homeowners and business owners alike. With his diverse skillset, David is adept at helping clients navigate complex insurance landscapes, providing tailored solutions to safeguard their assets and mitigate risks effectively. His passion lies in empowering people to reach their fullest potential while ensuring their financial security.

Nariman Pournejat is more than just a financial professional; he's a dynamic professional who brings a wealth of experience and a genuine passion for helping others to his practice. With a background in Medical Anthropology and Global Health from the University of Washington, Nariman's journey took him to the cutting-edge biotech world at Genentech in South San Francisco. There, he worked alongside top-tier PhD scientists, all while pursuing an MBA with honors, thanks to the company’s tuition reimbursement program.

Nariman’s expertise in financial advising is especially focused on assisting young professionals and families eager to create lasting legacies. His ability to understand and empathize with his clients' aspirations makes him a trusted advisor. He believes in building strong, lasting relationships by genuinely listening and responding to each client's unique needs.

Beyond the office, Nariman is a man of many talents and passions. In 2014, he had the honor of performing at Carnegie Hall, and in 2011, he was invited to sing in Cuba. His musical achievements include winning the Maestro Award for the best solo performance at a 2015 jazz festival in Hollywood. Whether playing the piano or saxophone, Nariman’s love for music is evident and adds a creative flair to his personality.

Nariman’s core values of love and loyalty are the cornerstones of his professional ethos. These values guide him to truly care about his clients, making them feel heard and valued. His clients appreciate his professionalism, integrity, and the sincere effort he puts into helping them reach their financial goals.

In addition to his professional and musical endeavors, Nariman is deeply committed to community service. He actively participates in a local organization that supports developmentally challenged individuals, demonstrating his dedication to making a positive impact in every aspect of his life.

Clients working with Nariman can expect a diligent, engaged advisor who takes meticulous notes and approaches every interaction with intensity and conviction. Outside of work, you might find him hiking, cheering for the Giants, or enjoying time with family and friends.

Nariman Pournejat is a person who lives with passion and dedication, both professionally and personally. His multifaceted background, combined with his heartfelt commitment to his clients, makes him a financial advisor you can trust

Nick began his insurance career as an agent with Transamerica in 1984. In 1999 he accepted a position as a case consultant with New York Life.

He was shortly promoted to manage the team he was on. In 2007 he became a Life Product Consultant for New York Life in the Pacific zone. He retired from that position in 2022. After two years of world travel and relaxation he began work in June of 2024 under an MA contract to help with coaching and developing a new generation of associates. Nick holds CLU, ChFC, and MSFS designations.

Tom Sciara joined the financial services industry driven by a deeply personal mission: to assist individuals like his single mother, who works multiple jobs to pay her mortgage in the Bay Area. When he asked her about her retirement plan, he was disheartened to learn that her plan was simply to work until she physically couldn't anymore. This revelation ignited Tom's passion to empower those who believe financial planning is only for the very wealthy.

His goal is to break down the barriers of financial illiteracy and provide education to all. Tom is deeply dedicated to this craft, continuously learning to better serve his clients. At 16 years old, he started his own Roth IRA, and since then, he has been passionate about the art and psychology of achieving financial freedom.

Throughout his career, Tom has accomplished significant milestones. He has educated and empowered over 100 business owners in Southern California and Northern California, helping them achieve their financial goals. Tom is also a trusted member of the Jewish community and has built a strong network of alliances within the community. His commitment to fostering financial literacy and empowering individuals has made him a respected figure in the financial services industry.

Tom strives to bring his dedication and knowledge to each client, helping them understand and navigate their financial journeys with confidence and clarity.

Connor joined the team in 2024 after graduating from Florida Atlantic University College of Business with bachelor’s degrees in Finance and Management. His passion for finance began at an early age when he discovered the lack of financial literacy in his community. He honed his industry skills by mastering every aspect of his family’s business – sales, service, parts, e-commerce, data analysis, driver coaching, and tuning. Connor is excited to share his passion and help you thrive financially. In his off-time, you will find him at the race track turning laps in his shifter kart.

Originally from Mexico, Oscar Quintero is a dedicated life insurance professional, offering top-tier financial protection for families and businesses since 2019. Oscar values building close relationships with his clients, delivering professional, honest, and reliable service.

Each day begins with a focus on balancing the body, mind, and spirit, fueling his work with positivity and good health. Oscar's ideal clients are those seeking to take a proactive step in protecting their loved ones, offering comprehensive financial protection. Whether you're a Hispanic entrepreneur, business owner, or full-time worker, Oscar is confident he can find the right solution to fit your needs and budget.

Arriving in America at the age of 14, I have called the San Francisco Bay Area my home for the past 35 years. As a young immigrant, I quickly grasped the reality of limited resources and embraced the need to adapt, learn, plan, and implement with what I had.

By the age of 23, I ventured into entrepreneurship, discovering abundant opportunities in the real world. I realized that success lies in how one capitalizes on these opportunities. Committed to continual learning, I adopted a cycle of trying, modifying, and trying again until I achieved my goals.

Fortuitously, I found the perfect career at the right time – a Residential Mortgage Consultant. This role provided me with the chance to connect with and learn from thousands of intelligent individuals. Their wisdom served as the glue, piecing together fragments of my own experiences and knowledge. Over a decade of challenges and triumphs, I formulated my unique plan and path, dedicating the last 25 years to its implementation.m.

Daniil Shichkov, originally from Russia, transitioned from military service as a Marine to becoming a financial expert. After serving his country, he pursued higher education, earning a degree in Finance from Brandman University. Daniil has since dedicated his career to helping military personnel navigate their financial futures. His expertise includes financial literacy, wealth accumulation, tax and market diversification strategies, and estate planning, making him a trusted advisor for those in the armed forces.e.

Outside of work, Daniil enjoys an active lifestyle with hobbies such as Brazilian Jiu-jitsu, golf, fishing, and hunting.

Nicholas Cuda brings over 20 years of experience in the financial services industry. For much of his career, he focused on securing favorable mortgage terms for his clients. In 2023, Nicholas transitioned his expertise toward family and asset protection, with a special emphasis on helping clients secure a comfortable retirement while minimizing tax liabilities.

Nicholas is dedicated to building lasting relationships with families in the Inland Empire, California, where he has lived and worked his entire adult life. His goal is to help families protect their spouses, children, and assets for a secure future.

Nicholas is married and a proud father of three. He looks forward to continuing to serve his community with integrity and care.

Ginger is an accomplished professional with a diverse background in engineering, technology, and finance. She holds degrees in Electrical and Computer Engineering and Economics from Rutgers University and furthered her expertise in machine learning and AI through studies at Georgia Tech. Ginger’s career began as a solar design engineer, where she contributed to innovative energy solutions. She later transitioned to an independent consultant role, supporting utility-scale solar M&A projects. Her leadership capabilities were recognized when she joined a multinational energy company, where she led their engineering division as Director of Engineering.

Driven by her passion for investing, real estate, and quantitative trading, Ginger recognized the critical importance of tax optimization, asset protection, and estate planning—insights that shaped her transition into the financial services industry. Today, as a financial professional, she is dedicated to helping business owners, investors, engineers, and families craft strategic plans for building and protecting their wealth.

Ginger is committed to continuous learning, leveraging cutting-edge technologies, and applying innovative ideas to her work. Beyond her professional endeavors, she is passionate about connecting people, fostering community, and empowering others to achieve their financial goals. In her free time, you’ll find her playing badminton, practicing Muay Thai, or developing new programming tools.

Claire, an Associate Broker at Hariri Financial, combines her healthcare expertise with comprehensive financial and insurance knowledge. With a Master’s Degree in Nursing and a background as a Registered Nurse specializing in neonatal intensive care (NICU), she brings precision and care to her financial practice. Claire's expertise spans estate planning, risk management, and insurance strategies, helping clients make informed decisions to secure their financial futures. Dedicated to building long-term, trust-based relationships, she aligns with the core values of Hariri Financial. .

As a mother of two and the daughter of Filipino immigrants, Claire is passionate about helping families protect their future while enjoying her personal interests, including ceramics, surfing, skiing, and managing her family’s ranch in California

Our Team

Minchul (Bill) Lee

Daire Heneghan, CFA

Jessica Link

Sharif Moujtahed

Jennifer (Satya) Willingham

Julian Villamizar

Zeus Kajita

Meharpreet Kaur (Mehar) Hundal

Michael Tran

Alvaro Perez

David Velazquez

Nariman Pournejat, MBA

Nick Martin, Managing Associate

Tom Sciara

Connor Tebbe

Oscar Quintero

Torrance Mak

Daniil Shichkov

Nicholas Cuda

Ginger Chien

Claire Fabricante