Karena Zhu

DESTINATION WEALTH MANAGEMENT

Walnut Creek, CA 94597

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CRD#: 6276048

Professional summary

Karena Zhu, CFP®, who also goes by Zhong Ming Zhu, Zhongming Zhu, is a registered financial advisor currently at DESTINATION WEALTH MANAGEMENT located in Walnut Creek, California.

Karena is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2013. Karena has worked at 6 firms and has passed the Series 66, Series 63, Series 31, SIE, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Zhong Ming Zhu | Zhongming Zhu

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

Sales of insurance and non-insurance products, part-time or full-time, for companies affiliated with Transamerica Financial Advisors, Inc. WATT PROPERTY MANAGEMENT, INC/Investment Related - No/One Hallidie Plaza, Suite 701, San Francisco, CA 941040/Rental Property Management /Executive Assistant/04.2024/160/75/ Manage scheduling for company executive(s) Draft, review and send communications on behalf of company executive(s) Organize and prepare for meetings for senior management Answer and respond to communications for the executives Maintain records and documents for company executive(s) WATT PROPERTY MANAGEMENT, INC. \ POSITION: Executive Assistant NATURE: Rental Property Management INVESTMENT RELATED: No NUMBER OF HOURS: 160 SECURITIES TRADING HOURS: 4 START DATE: 04/01/2024 ADDRESS: 1 Hallidie Plaza, Suite 701, San Francisco CA 94104 \ DESCRIPTION: Managing executive's calendar of appointments.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Karena Zhu's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Experience

Current

April 4, 2025 - Present

DESTINATION WEALTH MANAGEMENT

Office #1: 1255 Treat Boulevard Suite 900, Walnut Creek, CA 94597

RIA

CRD#: 110365

Walnut Creek, CA

Past

May 15, 2024 - January 7, 2025

TRANSAMERICA FINANCIAL ADVISORS, LLC

RIA

CRD#: 16164

ALVISO, CA

Past

May 15, 2024 - January 7, 2025

TRANSAMERICA FINANCIAL ADVISORS, LLC

CRD#: 16164

ALVISO, CA

Past

December 13, 2021 - April 10, 2024

CITIGROUP GLOBAL MARKETS INC.

RIA

CRD#: 7059

San Francisco, CA

Past

December 13, 2021 - April 10, 2024

CITIGROUP GLOBAL MARKETS INC.

CRD#: 7059

San Francisco, CA

Past

June 23, 2020 - November 16, 2021

MORGAN STANLEY

RIA

CRD#: 149777

San Francisco, CA

Past

June 23, 2020 - November 16, 2021

MORGAN STANLEY

CRD#: 149777

San Francisco, CA

Past

January 6, 2020 - June 2, 2020

HSBC SECURITIES (USA) INC.

RIA

CRD#: 19585

OAKLAND, CA

Past

November 21, 2016 - June 2, 2020

HSBC SECURITIES (USA) INC.

CRD#: 19585

OAKLAND, CA

Past

December 23, 2013 - November 2, 2016

J.P. MORGAN SECURITIES LLC

CRD#: 79

PLEASANTON, CA

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

DESTINATION WEALTH MANAGEMENT

DESTINATION WEALTH MANAGEMENT | YCMNET ADVISORS | QUALITY PENSION MANAGEMENT

CRD#: 110365 / SEC#: 801-53077

RIA

Registered Investment Advisory firm - (10/11/1996 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

California
(4/4/2025)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 66

Date: 1/6/2020

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 2/6/2014

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 31

Date: 5/4/2021

Futures Managed Funds Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 7/12/2018

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 12/21/2013

Investment Company Products/Variable Contracts Representative Examination

Current Firm

DESTINATION WEALTH MANAGEMENT

DESTINATION WEALTH MANAGEMENT | YCMNET ADVISORS | QUALITY PENSION MANAGEMENT

CRD#: 110365 / SEC#: 801-53077

RIA

Registered Investment Advisory firm - (10/11/1996 Approved)

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Contact information

Main Address

1255 Treat Boulevard Suite 900, Walnut Creek, CA 94597

Mailing Address

Phone number

(925) 935-2900

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (28 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

DESTINATION WEALTH MANAGEMENT, ADV PART 2A (3/28/2025)

Regulatory assets under management

Total Number of Accounts	5,732
AUM (Assets Under Management)	$ 4,145,050,618

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Karena Zhu

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Karena Zhu's CRS (Customer Relationship Summary).

Certified licenses

Experience

TRANSAMERICA FINANCIAL ADVISORS, LLC

TRANSAMERICA FINANCIAL ADVISORS, LLC

CITIGROUP GLOBAL MARKETS INC.

CITIGROUP GLOBAL MARKETS INC.

MORGAN STANLEY

MORGAN STANLEY

HSBC SECURITIES (USA) INC.

HSBC SECURITIES (USA) INC.

J.P. MORGAN SECURITIES LLC

Primary Firm SEC Registration

DESTINATION WEALTH MANAGEMENT

State Registrations and Notice Filings

Exams

Series 66

Date: 1/6/2020

Series 63

Date: 2/6/2014

Series 31

Date: 5/4/2021

SIE

Date: 10/1/2018

Series 7

Date: 7/12/2018

Series 6

Date: 12/21/2013

Current Firm

DESTINATION WEALTH MANAGEMENT

Contact information

SEC notice filing (28 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

DESTINATION WEALTH MANAGEMENT

TRUST BUT VERIFY

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