Clients trust Kiak with life-changing financial decisions because he brings empathy, resilience, and disciplined guidance to every relationship. Having overcome extraordinary challenges early in life after fleeing Cambodia with his family and building his future in the United States, he developed a deep appreciation for opportunity, perseverance, and the impact thoughtful financial planning can have. That perspective—combined with his economics education from Haverford College—helps clients move forward with clarity, confidence, and purpose.
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Tax, Investment, Insurance, Loans, and Real Estate
New Layer
Kiak Tae, founder of Gardena Financial, brings clients a rare combination of tax expertise, financial planning experience, and multidisciplinary credentials. A graduate of Haverford College with a degree in economics, he has spent his career helping individuals, families, and business owners make smarter decisions across tax, retirement, investments, insurance, real estate, and mortgage planning.
His background is especially valuable for clients who want more than advice in isolated areas. As an Enrolled Agent, Kiak is authorized by the U.S. Department of the Treasury to represent taxpayers before the IRS, and his experience in tax preparation and planning gives him a strong foundation for helping clients identify strategies to minimize tax liability. He also holds Series 7, 66, and 24 securities licenses, along with licenses as a Real Estate Broker, Insurance Broker, and Mortgage Broker, allowing him to connect the many moving parts of a client’s financial life.
Over the course of his career, Kiak has worked with J.P. Morgan Chase, AXA Equitable, a CPA firm serving more than 1,500 clients, and as an independent agent with UnitedHealthcare. Today, he operates independently, providing clients access to institutional custodians such as Charles Schwab and Interactive Brokers LLC, as well as mortgage solutions through leading wholesale lenders including United Wholesale Mortgage.
This broad, integrated experience helps clients see the full picture—how tax decisions affect retirement, how mortgage choices affect cash flow, and how investment strategy fits into long-term wealth building. The result is a more coordinated approach designed to help clients minimize taxes, grow and protect wealth, and make financial decisions with greater clarity and confidence.
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Tax, Investment, Insurance, Loans, and Real Estate
