Five Star award winners Mark Greenberg, JD, CFP® & Thomas Sepull, MBA

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San Francisco East Bay Five Star award winners
PROFESSIONAL PROFILE
                            
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Mark Greenberg, JD, CFP® & Thomas Sepull, MBA
Wealth & Tax Planners, LLC
3021 Citrus Circle, Suite 200
Walnut Creek, CA 94598
Office: 925-938-4300

www.wtplanners.com
Professional ApproachSpecializing in retirement planning and investment management
Focusing on making you wealthier and more secure by lowering your risks and taxes and increasing your benefits and returns
We use detailed cash-flow and other modeling to ensure your financial success

Wealth & Tax Planners, LLC has been helping clients achieve their financial goals for over 40 years since 1984. We provide clear, focused, independent advice on all your financial concerns. We inform and guide clients to the most effective financial decisions by thoroughly analyzing your finances – assets, liabilities, taxes, risk tolerance, and life goals. We’re here to help you succeed.
Our service, advice, and judgement are second to none!
Mark Greenberg, JD, CFP®FounderPhone: 925-938-4300

Mr. Greenberg, is an attorney and well respected financial planner, and the founding principal of Wealth and Tax Planners LLC (WTP). He specializes in retirement and estate planning, elder care issues, insurance cost reduction, and portfolio construciton and management. He helps clients save on taxes and reduce the risk to one's principal. Among his clientele are retired physicians, business executives, teachers, and widows alike. His plans have helped clients cut their taxes significantly, saving on income, capital gains, and estate taxes.

Mark's "Successful Retirement Planning" classes, taught at CalState and JFK University in Walnut Creek, Pleasant Hill, and San Ramon, have been widely attended by employees and executives  of Chevron, PacBell, GE, and UC Berkeley. He contributed to a book (published June 2005), "Achieve Retirement and Education Security", part of the Living & Learning series of "Practical Answers from America's Foremost Financial Advisors". He also was co-editor of " Wealth  & Tax Strategies", a quarterly newsletter of financial advice to upper income clients. 

Mark's professional designations include being an Investment Advisory Representative with Wealth & Tax Planners LLC. He is a Certified Financial Planner™ (CFP®), passing exams in investments, insurance, taxation, retirement, and estate planning. He is also licensed by the State of California Dept. of Insurance (#0675661). He received his Juris Doctorate law degree from Benjamin Cardozo School of Law in New York while attending on scholarship, and his BA Cum Laude from the State University of New York.

Prior to beginning his financial advisory practice, Mark practiced law  in Oregon, and then Oakland, CA from 1982 - 84, focusing on real estate and corporate law. Mark was appointed as a Director for the City of Portland (1981), having regulatory and fiscal responsibility over the local cable companies.

When not helping people achieve wealth and save taxes, Mark enjoys skiing, music (plays in a band!), travel adventures, and especially helping his daughter make her way in the world. Some of his fondest memories are of volunteering at her school, and helping teach computers to the class. Mark has raised funds for The Wounded Warrior Project, Multiple Sclerosis Society, and Putnam House for the  mentally handicapped and their families,  other charities. He served on the Board of Directors of his 200 member ski-social club, and served as President and Vice President.
 
Thomas Sepull, MBAChief StrategistPhone: 415-971-4849

Mr. Sepull  is a Senior Financial Adviser with Wealth & Tax Planners. He has over 22 years experience on Wall Street, in particular with Montgomery Securities in San Francisco, CA covering global markets.

He holds a BA degree from the University of California at Santa Barbara, and an MBA from St. Mary's College. Tom is expert in software and has developed and run several businesses.

Tom is an Investment Advisory Representative with Wealth & Tax Planners. Tom is also an independent insurance broker and agent licensed by the State of California Dept. of Insurance (#0F45482), working to either to obtain appropriate coverage or restructure existing policies to save premium, increase death benefit, or to better fit the client's current goals. He is expert in developing risk-reduction strategies for people's investment portfolios.
 
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                        This award was issued on 10/01/2025 by Five Star Professional (FSP) for the time period 01/08/2025 through 08/01/2025. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 1714 San Francisco East Bay-area wealth managers were considered for the award; 85 (5 % of candidates) were named 2025 Five Star Wealth Managers.  The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2024: 1,567, 85, 5%, 10/1/24, 1/9/24 - 8/9/24;  2023: 1,291, 87, 7%, 10/1/23, 1/9/23 - 7/31/23;  2022: 1155, 90, 8%, 10/1/22, 1/17/22 - 7/15/22; 2021: 1413, 89, 6%, 10/1/21, 12/28/20 - 7/30/21; 2020: 1260, 88, 7%, 10/1/20, 1/13/20 - 8/7/20; 2019: 1340, 104, 8%, 10/1/19, 12/31/18 - 8/9/19; 2018: 1397, 113, 8%, 10/1/18, 1/16/18 - 8/10/18; 2017: 1049, 95, 9%, 10/1/17, 1/13/17 - 7/28/17; 2016: 948, 182, 19%, 9/1/16, 2/24/16 - 8/22/16; 2015: 2261, 183, 8%, 10/1/15, 3/5/15 - 7/31/15; 2014: 4527, 204, 5%, 10/1/14, 3/5/13 - 7/31/13; 2013: 858, 195, 23%, 10/1/13, 3/5/12 - 7/31/12; 2012: 1145, 233, 20%, 10/1/12, 3/5/11 - 7/31/11. 
                    
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Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and the CFP® mark (with plaque design) in the U.S.
Investment advisory services offered through Wealth & Tax Planners, a Registered Investment Adviser

        *Winners appearing on this page do not pay a fee to be considered or to win the Five Star Award. Professionals with a digital profile have paid a promotional fee.
    
                    Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations.  FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.