& Insurance Services
We believe we can be of most service to you by helping you first avoid losses that you are not aware of and yet are avoidable.
For example, paying taxes that you "know" you must pay, but you are not legally required to pay, will increase your wealth significantly, and many times it will increase your wealth much more than chasing after a higher rate of return that most often means increasing your risk. 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 create a tax-free 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 work with your closest advisors, your CPA's, your attorneys, or we bring in a nationally recognized team of CPA's and attorneys to significantly increase your families wealth and control of your money.
Gary Sipos, MBA, AIF
Gary Sipos is a nationally-recognized Financial Educator, Author, Speaker, Financial Planner, and Silicon Valley Millionaire 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 where Gary shares his unique expertise on how people can keep more of what they earn by reducing their college costs and showing retirees how to enjoy a tax-free retirement. Gary and his work have been profiled in publications including Elite Advisor Magazine, San Francisco Magazine and Marin Magazine.
As a Speaker, Gary has spoken at many institutions across the U.S. including Harvard, West Point, and Stanford where he shares his financial wisdom and insights on finances and as a Financial Instructor to other financial advisors.
He is the President of Sipos Financial and Insurance Services, where he and his team are dedicated to “Saving America One Family at a Time.” A staunch believer in continuing professional education, Gary 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.
Gary regularly educates the public through a series of classes where he takes you through his unique "Finish Life Strong" planning process. He has found that his M.B.A. training at St. Mary’s College, B.S. in Electrical Engineering from Loyola Marymount University, and graduate studies in artificial intelligence at Stanford University give him a unique perspective when diagnosing and solving his clients’ biggest income and tax challenges.
Gary and his wife, Dr. Lisa Harpenau, live in San Francisco, California, with their standard poodles, Arthur, Rey, and Henry. He enjoys Biblical research, chess, 1959 Corvette restoration, volunteering through the Kiwanis organization, and an inordinate amount of time walking Arthur, Curry and Henry. Gary's self-confessed claims to fame are he once played two-on-two beach volleyball with Karch Kiraly, played the drums at The Fillmore, and once had his economic paper critiqued by Milton Friedman. All those events made his day!
Bruce Davis, Client Relations
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.
Tim Kao, Certified Financial Planner
Tim has spent the last 16 years in maximizing and protecting the wealth of his client. He is a graduate from UC San Diego in Quantitative Economics and is a CFP®. He has dedicated his life to helping other through the Make-A-Wish Foundation, American Red Cross and the Bay Area Leukemia and Lymphoma Society.
Tim and his wife, Demi live in Dublin, Ca with their 2 daughters and the family cat.