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About Miluska

Miluska Gutierrez Popa is a Licensed California Professional Fiduciary based in Orange County, serving clients and their attorneys throughout Southern California. Before founding Gutierrez Fiduciary Services, Miluska spent more than 20 years in banking, most recently as Vice President and Senior Underwriter of Commercial Real Estate at Capital One, and previously in senior underwriting and portfolio management roles at Pacific Premier Bank (formerly Opus Bank) and KeyBank.

Miluska holds an MBA in Finance and Real Estate from the University of California, Irvine, and a Professional Fiduciary Management for Trustees Certificate from California State University, Fullerton. She is a National Certified Guardian (NCG) through the Center for Guardianship Certification. Fluent in both English and Spanish, she brings clear, direct communication to every family and every case.

Background & Experience

  • Private Professional Fiduciary — Gutierrez Fiduciary Services, Orange County, CA (2026–Present)

  • Vice President, Senior Underwriter, Commercial Real Estate — Capital One, Newport Beach, CA (2022–2025)

  • Sr Underwriter & Portfolio Manager, Commercial Real Estate — Opus Bank (Pacific Premier Bank), Irvine, CA (2012–2022)

  • Underwriter & Portfolio Manager, Income Property Group — KeyBank, Irvine, CA (2004–2012)

  • Relationship Manager, Commercial Banking — BBVA, Lima, Peru (1998–2002)

Education & Licensing

  • California State University, Fullerton — Professional Fiduciary Management for Trustees Certificate

  • University of California, Irvine — MBA, Finance and Real Estate

  • University of Lima, Peru — BS, Economics

  • Licensed California Professional Fiduciary (CA License #1620)

  • National Certified Guardian (NCG) — Center for Guardianship Certification

PFAC logo with a blue circle and map of California in the center, with text indicating Professional Fiduciary Association of California, affiliate member.

Professional Affiliations

Logo of the National Guardianship Association with two stylized human figures and the text NGA National Guardianship Association.

Why work with me ?

Over the course of more than 20 years working through multiple financial and real estate cycles, I developed a disciplined approach to risk assessment, asset oversight, and thoughtful decision-making.

I transitioned into fiduciary services to apply this experience in a more personal and meaningful way—supporting individuals and families during times that require both careful financial management and trusted guidance.

My approach is grounded in integrity, discretion, and accountability. I work closely with clients, families, and their professional advisors to ensure that financial matters are handled with care and aligned with each client’s best interests. I am also committed to serving Spanish-speaking families, providing clear communication and culturally informed support when it matters most.

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