Wealth & Tax Planners LLC

Updated today

Find your advisor

Client assets under management

$75,000,000

Clients

250

40% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

125

Very High

Average account size

$300,000

About

Wealth & Tax Planners LLC serves individual and high‑net‑worth clients, small businesses, and retirement plans, managing about $75 million for roughly 250 clients with a two‑advisor team. The firm provides comprehensive financial planning and portfolio management, including retirement, college, estate and tax‑reduction analyses, and implements portfolios using independent money managers, mutual funds, ETFs, or individual securities.

The firm’s investment approach is described as “scientific diversification,” grounded in Modern Portfolio Theory and focused on strategic asset allocation with tactical adjustments; it employs both passive and active strategies across a broad range of asset classes. Wealth & Tax Planners uses proprietary retirement‑planning tools and Monte Carlo analysis to support goal‑specific planning and will accept discretionary authority for managed accounts when clients permit.

A noteworthy aspect of the firm is that some advisers operate in dual capacities as registered representatives of an independent broker‑dealer and as independent insurance agents, meaning the firm offers brokerage and insurance product implementation in addition to fee‑based advisory services. Those dual roles and the associated potential for commission‑based product sales are disclosed to clients and the firm emphasizes client choice in implementation; the combination of a small advisory team, in‑house planning software, and active brokerage/insurance activity differentiates the firm from many peers.

Client services

Financial planning Portfolio management Selection of other advisers

Insurance planning selection and purchase

Expertise

General retirement planning College savings (529s, UTMA, etc.) General estate planning guidance Charitable giving & philanthropy

Fee options

Fixed

Financial planning fees start at $300 for basic reviews and $650 for more complex reviews; additional fees may apply based on complexity.

Percentage

0.5% to 2.0% annually based on assets under management (variable within this range)

Commissions

Advisors may receive commissions or 12b-1 distribution fees when clients transact securities through the affiliated broker-dealer; also receive standard commissions on insurance products implemented through the firm.

Project-based

$250 - $350 per hour for financial planning and specific financial goals analysis.

Other

Account minimum: $100,000 minimum account size; alternatively, minimum net worth of $1,000,000 inclusive of home, or family income of $125,000 (may sometimes be waived)

Main office location

Wealth & Tax Planners LLC

3021 Citrus Circle, Suite 200

Walnut Creek CA 94598, United States

Number of offices

Most active in

California

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Is not active or affiliated with:

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 925-938-4300

Advisors at this firm

Thomas S

Series 63, Series 66

Walnut Creek, CA

Wealth & Tax Planners LLC

Thomas Sepull is a financial advisor at Wealth & Tax Planners LLC with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Private Client Services and Mutual Securities, Inc. Outside of advisory services, he owns and operates an insurance business focused on life and long-term care insurance. Wealth & Tax Planners LLC serves individual and high-net-worth clients, small businesses, and retirement plans, managing approximately $75 million across about 250 clients. The firm employs a scientific diversification approach based on Modern Portfolio Theory, offering comprehensive financial planning and portfolio management with both passive and active strategies.

General retirement planning College savings (529s, UTMA, etc.) General estate planning guidance Charitable giving & philanthropy

Mark G

CFP®, Series 63, Series 65

Walnut Creek, CA

Wealth & Tax Planners LLC

Mark Greenberg is a Certified Financial Planner® with 41 years of industry experience. He is a principal at Wealth & Tax Planners LLC, where he has worked since 2003, after prior roles at Mutual Securities, Inc. and Private Client Services. In addition to his advisory work, he is a licensed insurance agent specializing in life and long-term care insurance. Wealth & Tax Planners LLC serves individual and high-net-worth clients, small businesses, and retirement plans, managing approximately $75 million across about 250 clients. The firm employs a “scientific diversification” investment approach based on Modern Portfolio Theory, combining passive and active strategies with comprehensive financial planning and portfolio management.

General retirement planning College savings (529s, UTMA, etc.) General estate planning guidance Charitable giving & philanthropy

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may—or may not—fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend—and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction—we're here to make sure the relationship works for you—and if not, to navigate next steps with clarity.

Our ongoing support