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ABOUT

Sipos Financial
& Insurance Services
 

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We believe we can be of most service to you by helping you avoid losses.  

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We employ sophisticated strategies to reduce your taxes today and in your future.   For most people, taxes are their top lifetime expense.

 

What are you doing today to minimize your taxes in retirement?   We help you answer that question with confidence.        

 

You can employ simple techniques that can reduce your college costs by following the Department of Education codes.  

 

There are financial processes that pay your mortgage down faster and keep you in control of your money than simply overpaying your mortgage.      

 

We are financial advisors who will work with your team, or we bring in a nationally recognized team of tax professionals and attorneys to significantly increase your family's wealth and control of your money.   

Need more details? Contact us

We are here to assist. Contact us by phone or email. 

Our Team
GarySiposHeadshotSM2.jpg
 
 
Gary Sipos, MBA, AIF
 
 
Bruce Davis, Client Relations

Gary Sipos is a nationally-recognized financial educator, author, speaker, financial planner, and Silicon Valley entrepreneur.  Gary is a best-selling author of College Cash Solutions and Financial Secrets from Stanford's Hoover Tower, The 15 Biggest Tax Mistakes Costing Business Owners Millions, co-author of Masters of Success with Best Selling Author and Legendary Business Trainer, Brian Tracy. 

 

He is a featured guest on radio and TV, including ABC, NBC, CBS, and Fox. 

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He is the President of Sipos Financial and Insurance Services and has earned the Accredited Investment Fiduciary® (AIF®) professional designation awarded by the Center for Fiduciary Studies.  Gary is also the recipient of the peer-nominated Five Star Wealth Manager award for outstanding excellence in the wealth management industry.  

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Gary lives in Kentfield, California and he enjoys chess and volunteering through the Kiwanis organization. 

His knowledge is deep and wide on a whole host of topics including portfolio construction and investment risk mitigation. He’s also a business valuation expert and has many other skill sets as enumerated by his many designations. Joe was also recently added to the Board of Directors for the National Association of Active Investment Managers (NAAIM).

Joe Maas is the Chief Investment Officer and lead portfolio manager for Synergy Financial Management LLC (SFM). A highly trained financial analyst, Joe is responsible for analyzing current and potential investments for the firm through deep fundamental analysis, researching industry trends, speaking to industry experts, and through a thorough understanding and application of quantitative methods and technical analysis. Mr. Maas is very unique because he is certified in so many areas of expertise. He has earned certificates from nine prestigious organizations, and, with over two decades of financial industry experience, his unique core specialty is providing comprehensive investment management services for individual investors, business owners, and financial advisors.

Bruce has over 25 years of  financial industry experience with focus on Retirement/Mutual Fund products. Direct investor, front line support focus along with experience with transfer agency software experience provides Sipos Financial a journeyman for new account, regulatory and money movement processes. 

Roccy M. DeFrancesco, Jr., JD, CAPP, CMP, is the Founder of The Wealth Preservation Institute, Strategic Marketing Partners LLC, the OnPointe software suite, and is Co-Founder of the Asset Protection Society.

Roccy received his B.S. degree from Embry Riddle Aeronautical University (where he also received his commercial pilot’s license) and his J.D. from Valparaiso University School of Law. Roccy is licensed to practice law in Michigan (license inactive in Indiana).

Roccy is an educator and mentor to advisors and is known as a zealous consumer advocate. He has also written a number of consumer and industry books listed:

  • Retiring Without Risk©

  • Bad Advisors: How to Identify Them; How to Avoid Them©

  • The Doctor’s Wealth Preservation Guide©

  • Peace Of Mind Wealth Management: Losing Money is No Longer an Option©

  • The Home Equity Acceleration Plan, H.E.A.P© (with accompanying software program)

  • The Home Equity Management Guidebook: How to Achieve Maximum Wealth with Maximum Security©

  • Asset Protection—The Wedge©

  • 21st Century Advisor©

  • 21st Century Attorney© (Co-Author)

  • The Divorce Planning Guidebook© (Co-Author)

  • Editor: The Medicaid Planning Guidebook

Roccy M. DeFrancesco, Jr., JD, CAPP™, CMP™
Joe Maas, Chief Investment Officer, CFA, CFP®, ChFC, CLU®, MSFS, CVA, ABAR, CM&AA, CCIM
Team

© 2025 by Sipos Financial & Insurance Services

 

Investment advisory services are offered through Peace of Mind Planning, LLC (POM) doing business as Advisor Share Wealth Management (ASWM), a registered investment advisor. ASWM and Sipos Financial & Insurance Services operate independently of each other. For a comprehensive overview of investment risks, fees, and services, please refer to the ASWM firm brochure (ADV Part 2A), obtainable from your Investment Advisor Representative or by contacting ASWM. The content provided on this website is for informational purposes only and should not be construed as a solicitation or recommendation of any investment strategy. Investments and/or investment strategies carry inherent risks, including the potential loss of principal. There is no guarantee that any investment strategy will achieve its objectives.

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