Our Team

Tammy Plotkin-Oren, CFP®, ChFC®, MBA

Principal and Financial Adviser

Bringing her clients peace of mind and taking the burden of financial planning off their shoulders is what makes Tammy so passionate about her work. In her financial planning work, Tammy puts her client's best interests first and uses her expansive background and approachable, understanding character to get to know her clients on a personal level so she can help them make the choices that fit for what they desire.

Tammy founded TPO Financial & Insurance Services in 2005 to make a real impact on the lives of fellow business owners, professionals and their families.  As a Certified Financial Planner™ in Berkeley, California, Tammy assists her clients with financial planning, insurance planning, investment planning, and retirement preparation. With a strong ability to focus on the big picture, Tammy creates comprehensive plans for each individual while demonstrating her genuine care for their financial future.

Originally from Texas, Tammy lived abroad in France and Israel before making the San Francisco Bay Area her home. Tammy and her husband Arnon have three daughters: Ella, Dahlia and Nava and reside in the East Bay Hills. When she is not at work, Tammy loves to spend time with her family and her dog Mika, travel, hike, play mahjong with good friends, and enjoy the beauty of the Bay Area.

Forbes logo

So honored to make the 2021 Forbes Top Financial Security Professionals list. This list includes financial professionals who protect their clients' assets through life insurance. I entered this industry to help my clients protect what matters most. So, to be recognized as one of only 250 professionals by Forbes validates all the work that I do for my clients. For additional details about the recognition, click here. Please note, the independent research firm considered in its ranking a variety of financial products and services which not all ranked Financial Security Professionals (FSPs) may be licensed to offer. Only those products and services FSPs are licensed to offer were considered in determining any individual FSP's rank. Click here for the full methodology.

Community Involvement

  • President of the Board of Directors, University of California Berkeley Hillel
  • East Bay Estate Planning Council
  • Financial Planning Association of San Francisco
  • Provisors
  • Member, East Bay Community Foundation Professional Advisors Leadership Council

Designations and Degrees

University of California, Berkeley

  • BA in Economics, 1994
  • MBA, 1999

CFP Board Certified Financial PlannerTM Practitioner
Chartered Financial Consultant® from the American College
FINRA Series 6, 7, 63, and 65

Awards, Recognition and Memberships

  • Million Dollar Round Table (MDRT)*: Annually since 2007, Court of the Table since 2015, Top of the Table since 2020 
  • New York Life’s Chairman’s Council: Annually since 2013
  • National Association of Insurance and Financial Advisors (NAIFA): Annually since 2005

*The Premier Association of Financial Professionals, MDRT is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

Christine Cabras

Licensed Insurance Agent

Christine joined TPO Financial in 2019 and works with our clients on their life insurance planning. Known for her personalized approach, she provides sensitivity to each person’s unique situation and set of experiences. Specializing in personal and business life insurance, disability insurance, long-term care insurance and fixed annuity products, she believes everyone deserves the long-term security and peace of mind that planning brings to hard-working individuals and their families.

Christine is a Licensed Insurance Agent with more than 5 years of experience. She is one of the San Francisco Bay Area’s fastest rising professionals in Life Insurance Planning – with the distinction of qualifying for New York Life Executive Council and the Million Dollar Round Table in 2020, her very first year in the life insurance business.

Very involved and active in the Filipino Community in the San Francisco Bay Area, Christine is passionate about connecting small business owners and forming networks of professionals, mentoring teenagers and supporting women’s shelters. She has become the life insurance “go to” professional in her community.

Outside the office, Christine pursues a rich spiritual life, and enjoys powerlifting, hiking, reading and spending time with her two children and three dogs.

*The Premier Association of Financial Professionals, MDRT is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

Kathleen Emerling

Director of Operations

With over 20 years of financial planning and client relationship experience in the financial services and insurance industry, Kathleen joined TPO Financial in 2020. Kathleen works closely with financial planning clients and serves as an Associate Financial Adviser to our investment clients. With a track record of success, Kathleen wears many hats at TPO Financial including helping team members and improving our services and processes.  Her primary mission:  to keep everything running smoothly!

Kathleen has a Bachelor’s degree in Criminal Justice Administration with a Minor Degree in Italian from San Diego State University.  She holds FINRA Securities Licenses 7 and 66 and a California Life & Health License.

A native Californian, Kathleen currently resides in San Francisco with her family.  In her free time, Kathleen enjoys cycling, swimming in the Bay, painting and spending time with her kids.

Karen Hill

Licensed Service Assistant

If you’ve called our office, you have probably spoken with Karen. She assists our clients, and helps with servicing our insurance and financial products. Karen finds true fulfillment in her work from the interaction she gets to have with the company’s clients. Karen has been with the company for over 5 years and in the financial services industry for over 28 years. In her free time she loves to spend time with family and friends, bowl, travel, puzzles, fishing and she is a true Warriors, A’s  and Raiders fan. 

Ariona Ellis

Client Service Assistant

With over 10 years of administrative and client relationship experience in the financial services and insurance industry, Ariona joined TPO Financial in 2021 to support all facets of the company, performing a variety of duties. Ariona is passionate about excellent customer service and enjoys helping our clients with their service needs.

Living in Washington State, Ariona joins our team remotely. Her excellent skills in technology help keep our office running smoothly, and efficiently.

In her free time Ariona enjoys hiking, traveling, painting and spending time with her family and friends.