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RIA / WealthAdvisorCertified Financial Planner13 years in industry

Karena Zhu

Advisor at MARINER

Pittsburg, CA | Walnut Creek, CA

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Search this name across graphsid dfx:ria:de47435d-50c2-45ab-ae63-1e1ab675f74b

Data as of Sep 14, 2026 (this record's last observation) from federal regulator filings. Page built Sep 21, 2026, 12:52 PM UTC and rebuilt at most every 15 minutes.

Relationships: 6
Dated events: 3
On other graphs: 0
Observed: Jan 6, 2020 to Sep 14, 2026

Across DFX

This entity has not been resolved onto another DFX graph by a shared identifier. A name match elsewhere would be a candidate, never an identity, and none is recorded.

Facts

fact = as filed or announced; derived = computed by DFX; estimate = a band, never a point

Current firm: MARINER
Current firm class: broker-dealer affiliated wealth managerderived
Book size: not publicno per-advisor AUM is published by the SEC, FINRA or IAPD, and DFX estimates none
Industry start: Jan 1, 2013earliest registration or exam on IAPD
Years in industry: 13derivedfrom the industry start date
Years at current firm: 0derivedfrom the current registration's begin date
Prior firms: 5
Current registrations: 1
Registered states: 1
Designations: Certified Financial Planner
Exams: S66|S63
First exam: Feb 6, 2014
First registration: Jan 6, 2020
Dual registered: no
Other names: ZHONG MING ZHU|ZHONGMING ZHU
IAPD individual key: 6276048

Registration history

registration spans on IAPD; the basis says whether the span is a current registration or a prior employment record

Firm	Class	Began	Ended	Current	Branch	Basis
Mariner	Bd affiliated wealth	Aug 17, 2026	n/a	yes	Walnut Creek, CA\|Pittsburg, CA	Current employment
DESTINATION WEALTH MANAGEMENT	Independent wealth	Apr 4, 2025	Jul 30, 2026	no	WALNUT CREEK, CA	Previous registration
TRANSAMERICA FINANCIAL ADVISORS, LLC	Bd affiliated wealth	May 15, 2024	Jan 7, 2025	no	ALVISO, CA	Previous registration
CITIGROUP GLOBAL MARKETS INC.	Bd affiliated wealth	Dec 13, 2021	Apr 10, 2024	no	San Francisco, CA\|New York, NY\|Los Angeles, CA	Previous registration
MORGAN STANLEY	Wirehouse	Jun 23, 2020	Nov 16, 2021	no	San Francisco, CA	Previous registration
HSBC SECURITIES (USA) INC.	Bd affiliated wealth	Jan 6, 2020	Jun 2, 2020	no	OAKLAND, CA\|SAN FRANCISCO, CA\|SAN FRANCISCO, CA	Previous registration

Moves

a move is two registration dates; a bulk corporate re-registration is typed BULK_TRANSFER and is not a move

From	To	Left	Joined	Gap, days	Kind	Move type
DESTINATION WEALTH MANAGEMENT	Mariner	Jul 30, 2026	Aug 17, 2026	18	Firm change	RIA to ibd
TRANSAMERICA FINANCIAL ADVISORS, LLC	DESTINATION WEALTH MANAGEMENT	Jan 7, 2025	Apr 4, 2025	87	Firm change	Ibd to RIA
CITIGROUP GLOBAL MARKETS INC.	TRANSAMERICA FINANCIAL ADVISORS, LLC	Apr 10, 2024	May 15, 2024	35	Firm change	Ibd to ibd
MORGAN STANLEY	CITIGROUP GLOBAL MARKETS INC.	Nov 16, 2021	Dec 13, 2021	27	Firm change	Wirehouse to ibd
HSBC SECURITIES (USA) INC.	MORGAN STANLEY	Jun 2, 2020	Jun 23, 2020	21	Firm change	Ibd to wirehouse

Relationships

Registered with (6)

→ MARINERRegistered adviserregistration: current employment
Aug 17, 2026 to presentfactForm ADV
→ DESTINATION WEALTH MANAGEMENTRegistered adviserregistration: previous registration
Apr 4, 2025 to Jul 30, 2026factForm ADV
→ TRANSAMERICA FINANCIAL ADVISORS, LLCRegistered adviserregistration: previous registration
May 15, 2024 to Jan 7, 2025factForm ADV
→ CITIGROUP GLOBAL MARKETS INC.Registered adviserregistration: previous registration
Dec 13, 2021 to Apr 10, 2024factForm ADV
→ MORGAN STANLEYRegistered adviserregistration: previous registration
Jun 23, 2020 to Nov 16, 2021factForm ADV
→ HSBC SECURITIES (USA) INC.Registered adviserregistration: previous registration
Jan 6, 2020 to Jun 2, 2020factForm ADV

Dated events

Occurred
Jul 30, 2026
Advisor changed firm
Karena Zhu left Destination Wealth Management for Mariner (registered 2026-08-17)
Form ADVobserved 6 days ago
Occurred
Jan 7, 2025
Advisor changed firm
Karena Zhu left Transamerica Financial Advisors, Llc for Destination Wealth Management (registered 2025-04-04)
Form ADVobserved 6 days ago
Occurred
Apr 10, 2024
Advisor changed firm
Karena Zhu left Citigroup Global Markets Inc. for Transamerica Financial Advisors, Llc (registered 2024-05-15)
Form ADVobserved 6 days ago