Meet our
consultants

Bio

Armed with a Master’s degree in International Affairs from the New School University, Marzena has provided education-centered consultations at TIAA-CREF Tuition Financing, Inc. since 2019. Her acquisition of FINRA Series 6 and 63 registrations further enhances her ability to educate families about saving for higher education.

Bio

Heath brings over 18 years of experience in the financial service industry to his role as Senior Education Savings Consultant at TIAA-CREF Tuition Financing, Inc. Equipped with a BSBA in Finance from Hawaii Pacific University and an array of registrations, including FINRA Series 6, 7, 63, and 65, he helps families make informed decisions about saving for higher ed.

Bio

As a Education Savings Consultant working within TIAA-CREF Tuition Financing, Inc., Jose is passionate about helping people save for education. Jose strongly believes that education is not only a means to create a brighter and prosperous future, but it also empowers individuals to make fully-informed decisions that are in their best interest and that of their loved ones. Jose would welcome the opportunity to speak with you about your situation and college savings wishes.

Bio

James Palen, a dedicated Senior Education Savings Consultant, specializes in educating families on education savings in the Bay Area. Armed with a Financial Economics degree from the University of Maine and FINRA Series 7 and 63 registrations, he focuses on educating families to understand strategies to save for their loved ones' college expenses.

Bio

Julianna, a dedicated Education Savings Consultant at TIAA-CREF Tuition Financing, Inc., finds joy in educating families about saving for higher education. With over 15 years in financial services and FINRA Series 6 and 63 registrations, she shares insights for college savings.

Bio

You have big dreams for your loved one’s education. Adalberto (Adal) is passionate about helping families like yours save for your loved one’s future. While college might seem like a long way away if you have a young child, it is never too early to start saving.

Adal Padilla joined TIAA in 2018 as an Education Savings Consultant bringing with him over ten years of financial services experience. He specializes in educating families about saving for higher education, offering a customized approach to meet diverse goals.

Adal received his Bachelor of Science degree in Business Administration at La Universidad de Guadalajara in Mexico. He enjoys spending time with his family and friends, but traveling is his favorite thing to do. Adal is member of Toastmasters International and volunteers as a Club Growth Director.