Our Team

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.

*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.

Neither SHOOK nor Forbes receives any compensation in exchange for placement on its Top Financial Security Professional (FSP) rankings (including the Best-In-State Financial Security Professional rankings), which are determined independently (see methodology). FSP refers to professionals who are properly licensed to sell life insurance and annuities. FSPs may also hold other credentials and licenses which would allow them to offer investments and securities products through those licenses. The ranking algorithm is based on qualitative measures learned through telephone, virtual and in-person interviews to measure best practices, client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as assets under management, sales figures, and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and these professionals rarely have audited performance reports. Individuals must carefully choose the right FSP for their own situation and perform their own due diligence. SHOOK’s research and rankings provide opinions intended to help individuals choose the right FSP and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.

With over 18 years experience in the financial services and insurance industry, Rosa joined TPO Financial in 2022. Rosa is a Financial Adviser, specializing in working with professionals and business owners.

Rosa has a Bachelors of Science degree in Biotechnology from University of California Davis. She holds FINRA Securities Licenses 6, 7, 63, 66 and a California Life & Health License. Rosa has also completed her American College designations for Chartered Life Underwriter- CLU^® and Life Underwriter Training Council Fellow- LUTCF^®. She is currently enrolled in coursework to complete her Chartered Financial Consultant- ChFC^®. Rosa’s main office is located in San Ramon.

Rosa and her husband Sam have two children and a dog named Bailey. When she is not helping clients, Rosa enjoys trail running, cooking, travel, reading and spending time with family and friends.

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.

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. 

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.

A native of Alaska, Meagan is currently residing and working remotely in California. With five years of customer service experience, Meagan began working with Rosa Harnack in May of 2021, and now joins the team of TPO Financial along with Rosa.

Meagan has an Associate’s Degree in Hospitality. She is passionate about providing excellent customer service and enjoys connecting with clients when they call for help.

Meagan enjoys outdoor activities with her two dogs, road trips, skiing, and spending time with friends and family.