Praveen Krishnamurthy

Joseph Scerbo is a financial advisor at PRIMERICA ADVISORS and holds Series 6, 63, and Series 65 licenses. Joseph Scerbo works with business owners, self-employed professionals, and people who hope to start their own business one day. He helps clients with investment advising, retirement planning, and business retirement plans, along with retirement distributions and survivor education. He brings that perspective from firsthand experience as an entrepreneur. In January 2003, he founded and ran his own electrical and HVAC contracting company, where he navigated both the 2008 financial crisis and the COVID pandemic while keeping his employees working. That background gives him a practical understanding of the day-to-day challenges business owners face. In 2024, Joseph pivoted into offering securities, bringing his experience as an employer and small business owner to his work with clients. He operates on a fee-based model and focuses on helping business owners plan for retirement and beyond. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies created by unaffiliated asset managers and provides advisory services through a large network of advisors

Kevin Martin is a CFP® and Series 65-registered advisor with 10 years of industry experience. He is the principal of Oak Peak Financial, an independent advisory firm he has led since 2015. Prior to founding Oak Peak Financial, he worked at InSpeed Networks for three years. In addition to his advisory role, Martin is an IRS Enrolled Agent and provides tax preparation services as a separate engagement. Oak Peak Financial serves individual investors, including high-net-worth clients, and retirement-plan sponsors with financial planning, portfolio management, and retirement-plan consulting. The firm follows a fiduciary standard and employs a diversified, tax-efficient investment approach based on Modern Portfolio Theory, typically using low-cost index funds and ETFs alongside select individual securities and fixed income.

Financial Planning for What Matters Most Your financial plan should reflect what matters most to you. I begin every client relationship by understanding your values and goals. Together, we review where your money is going and identify opportunities for saving, investing, and living the life you envision. We then integrate relevant planning areas such as investment analysis, retirement planning, tax strategies, education funding, risk management, and estate planning. Financial planning can often feel overwhelming, so I organize the process into clear, manageable steps and strive to make complex concepts understandable. We begin with your most urgent priorities and incorporate additional tasks as we make progress, building momentum together. With a background in engineering and technical project management, I bring a structured, creative, and thoughtful approach to every conversation, ensuring each step is purposeful and aligned with your goals. Whether you're seeking comprehensive or hourly planning, our work is tailored to the topics that matter most to you. My process stays grounded in your values, so each step supports your unique goals and priorities. As a fiduciary, I always put your interests first, offering honest guidance and clear, transparent fees. Whether you want hands-on support or prefer to implement your plan yourself, I'll provide a complete and actionable roadmap for your financial journey. My practice is built on trust, transparency, and a deep commitment to my clients' success. Nothing is more rewarding to me than seeing clients become thoughtful stewards of their wealth, gaining clarity and confidence, and building a future rooted in what matters most.

Mark Liu is a financial advisor at Ardent Capital with 26 years of industry experience. He has been with Ardent Capital since 2005 and holds Series 63 and Series 65 designations. Ardent Capital provides discretionary portfolio management for affluent individuals, corporations, and trusts, overseeing investments in brokerage and IRA accounts under limited power of attorney. The firm emphasizes asset allocation across various asset classes with a focus on long-term holdings and uses third-party research to inform investment decisions.

Jie Shen, CFA, is the sole advisor at Jie Shen, CFA, an independent firm based in Los Altos, CA. He has eight years of industry experience and previously held leadership roles at Google, where he managed North America operations focused on customer support. Shen continues his full-time role at Google alongside his advisory practice. The firm provides investment management and advisory services to individual clients, employing a long-term strategic asset allocation framework across equity and fixed-income classes with periodic rebalancing and tactical adjustments. It offers a formal program of investment education seminars and manages accounts on a non-discretionary basis without allocating to illiquid assets.

William Pitney is a CFP® with 22 years of industry experience and is the sole advisor at FocusYou in Redwood City, CA. He has been with FocusYou since 2010 and also operates as an independent insurance agent, providing clients with life, disability, long-term care, business overhead expense insurance, and annuities when appropriate. FocusYou offers ongoing portfolio management and comprehensive financial planning to individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm employs an asset-allocation centered approach primarily through third-party managers and passive, buy-and-hold strategies, with a focus on non-discretionary portfolio supervision and routine client education.