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our team

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Hello Everyone  
kardar Team Here 

we feel proud on our loyal and hardworking team member which is always available to show their strength.

nighat kardar
Nighat Kardar (Nikki)

Owner

As a Business owner in California since 1995 I have always had a passion do things that positively impact my community. I graduated with a Masters in Business Admin and Management and throughout my school and collage years was always in the forefront advocating for what I believed in.
Today I am proud to serve my fellow Californians as their insurance agent and tailor their insurance coverage to what best fits their needs. We are part of one of the best insurance companies in the USA! Our insurance agency has repeatedly been a part of the “Topper Club”, we have also been recognized in the top 1% , an “Elite Agency” this is because my team and I believe in providing superior customer service from the moment you contact us and onwards for when you need us the most.
In my spare time I work on children’s welfare, civil rights, disaster and humanitarian relief, and women’s rights. I am a member at Habitat for Humanity, Soroptimist House of Hope, I was a founding member of one of the largest women’s organizations in the USA (AMWEC) and the president of COPPA to promote the civic and civil right of our community members.

bill kardar
Bill Kardar

Commercial Sales Specialist

With a B.A in Economics and an MBA in Finance from Pepperdine Business School I started my career in the banking industry. As time went on, I built strong relationships with business owner I worked with and decided that I wanted to work in insurance.
My area of expertise is commercial insurance. Because of my educational background and passion for problem solving and helping people I have a deeper understanding my client’s business needs and work with them to provide the best insurance solutions for their businesses. I take pride in developing long term relationships and delivering excellent customer service to each and every one of my customers.
In my spare time I love to spend time with my family, cooking and watching sports.

Faryal Khan
Faryal Khan

VP of Business Development

Born and raised in the England, I graduated from the American College of Applied Arts in London before moving to the USA in 1990.
I have two decades of expertise in business development and sales leadership have managed accounts such as Mandarin Oriental Hotels, Omni Hotels, and Hyatt Worldwide. I am passionate about energizing my team to meet and exceed their goals, as well as for creating innovative strategies to drive efficiency and revenue increases.
I am a founding members of a women’s empowerment non-profit.

bill kardar
Kerry Young

Agent and Customer Service Manager

With over 30 years of experience, I always ensure that I work with our clients to resolve any concerns that they may have. My goal is to speak with them to build relationships. This way I can match policies that are tailored to their needs.

Ricardo Aguilar
Ricardo Aguilar

Agent and Personal Insurance Sales Specialist

As a personal lines Insurance agent, I work with my clients to ensure that they are always receive the best protection at an affordable price. I always want to go above and beyond their expectations from the time that they sign an insurance policy with us to being there in the time of need. In my spare time I enjoy hiking, swimming and taking vacations with my wife.

Ernesto Gonzalez
Ernesto Gonzalez

Agent and Personal Insurance Sales Specialist

I come with years of experience, sales, customer relationships.
As a personal lines’ agent, I focus on providing home, auto and renters Insurance. I strive to become one of the top performing agents in this region. My goal is to establish long term relationships with my clients by providing them with exemplary service, build trusting relationships with them and becoming their one stop shop for all their insurance needs.
In my spare time I love trying new recipes and am a big sports fan.

nighat kardar
Nighat Kardar (Nikki)

Owner

As a Business owner in California since 1995 I have always had a passion do things that positively impact my community. I graduated with a Masters in Business Admin and Management and throughout my school and collage years was always in the forefront advocating for what I believed in.
Today I am proud to serve my fellow Californians as their insurance agent and tailor their insurance coverage to what best fits their needs. We are part of one of the best insurance companies in the USA! Our insurance agency has repeatedly been a part of the “Topper Club”, we have also been recognized in the top 1% , an “Elite Agency” this is because my team and I believe in providing superior customer service from the moment you contact us and onwards for when you need us the most.
In my spare time I work on children’s welfare, civil rights, disaster and humanitarian relief, and women’s rights. I am a member at Habitat for Humanity, Soroptimist House of Hope, I was a founding member of one of the largest women’s organizations in the USA (AMWEC) and the president of COPPA to promote the civic and civil right of our community members.

bill kardar
Bill Kardar

Commercial Sales Specialist

As a Commercial Insurance Specialist, I graduated with my B.A in Economics from UC Irvine and went on to Pepperdine Business School for my MBA in Finance. My area of expertise Commercial Insurance and because of my educational background and experience I understand my client’s business needs and work with them to provide the best insurance solutions for their businesses. I take pride in developing long term relationships and delivering excellent customer service to each and every one of my clients. In my spare time I love to spend time with my nieces and nephews, cooking and watching sports.

Ricardo Aguilar
Ricardo Aguilar

Agent and Personal Insurance Sales Specialist

As a personal lines Insurance agent, I work with my clients to ensure that they are always receive the best protection at an affordable price. I always want to go above and beyond their expectations from the time that they sign an insurance policy with us to being there in the time of need. In my spare time I enjoy hiking, swimming and taking vacations with my wife.

bill kardar
Kerry Young

Agent and Customer Service Manager

With over 30 years of experience, I always ensure that I work with our clients to resolve any concerns that they may have. My goal is to talk and build that relationship with them so I can match policies that are tailored to their needs.

Faryal Khan
Faryal Khan

VP of Business Development

Born and raised in the England, I graduated from the American College of Applied Arts in London before moving to the USA in 1990. I have two decades of expertise in business development and sales leadership have managed accounts such as Mandarin Oriental Hotels, Omni Hotels, and Hyatt Worldwide. I am passionate about energizing my team to meet and exceed their goals, as well as for creating innovative strategies to drive efficiency and revenue increases. I am a founding members of a women’s empowerment non-profit and have completed the FBI Citizens Academy and participated in CIA summits as an advocate for the women.

Ernesto Gonzalez
Ernesto Gonzalez

Agent and Personal Insurance Sales Specialist

As a personal lines’ agent, I focus on providing home, auto and renters Insurance. I strive to become one of the top performing agents in this region. My goal is to establish long term relationships with my clients by providing them with exemplary service, build trusting relationships with them and becoming their one stop shop for all their insurance needs. In my spare time I love trying new recipes and am a big sports fan.

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