you’re probably overpaying your taxes and don’t even know it.

  • Paying lower taxes requires the proper and strategic positioning of your assets.
  • Want to just prepare your tax?  You got it.
  • Want to save time, money, and get a holistic view of your finance? We have solutions under ONE roof.
  • What you don’t know can really hurt you, read our Case Studies.
  • Want a reference for tax preparation cost?

do you have the credentials & Experience to help me?

  • Tax preparation for almost 20 years
  • Economics degree from Haverford College
  • From “The Killing Field” to financial educator, read my story toward the end
  • Worked for JP Morgan Chase, AIG, CPA firms, and few others
  • Taught mathematics and economics at Archer School for Girls & LAUSD 
  • Enrolled Agent: a tax advisor, who is a federally authorized tax practitioner empowered by the U.S. Department of the Treasury.
  • Completed financial planning curriculum with College for Financial Planning 
  • Licensed as a real estate broker under CA Dept. of Real Estate
  • Licensed as a mortgage broker under CA Dept. of Real Estate & NMLS
  • Licensed as an insurance broker under CA Dept. of Insurance
  • Hold securities licenses (Series 7, 66, 24) 
  • Manage an independent RIA (Registered Investment Advisor) firm
  • Connected to other tax & financial professionals (tax preparers, Enrolled Agents, & CPAs)

5 Reasons To Hire Us

  • Strive to understand your situation
  • Educate you
  • Solve your problems, not pitch products
  • Keep in touch with you
  • You get an unbias independent financial firm(s) under ONE roof
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GardenaFinancial Front building from Kiak

Seamlessly integrate EVERY piece of your financial picture.

  • Individual & business income tax preparation
  • Investment management (partner with TD Ameritrade/Charles Schwab)
  • Retirement planning (MoneyGuide Pro, a powerful planning software)
  • Home loan (partner with United Wholesale Mortgage, #1 wholesale lender)
  • Life (MetLife, AIG, and more) and Medicare (SCAN, UnitedHealth) Insurance
Reduce your tax and gain a holistic perspective on your finances. You can save time and money and avoid miscommunication by using a single point of contact for all your financial needs.   Shift the time spent on managing multiple professionals managing your money to enjoying the important things in your life.

Easy Steps to

financial security

  • Choose the financial service (tax, home loan, retirement planning, etc.) you need.
  • We’ll  show you why working with ONE financial professional can help you SAVE time and money.
  • Reduce your stress by adding other services as needed.

Wealthy & Healthy


Retirement planning

Investment management

Social security & Medicare guidance

Pension maximization

Cash flow analysis




Protect & Extend

Lifetime Wealth

Inheritance advice

Caring for your elder parent’s finances

Loss of a loved one

Insurance guidance



Your Life Stages

Basic finance for young adults

Budgeting for your wedding

Buying  or refinance your first-home

Financial readiness for new parents

Funding your  child’s college education




From “the killing fields” to financial educator








The founder of Gardena Financial, Kiak Tae, knows what it is like to be illiterate and poor. Kiak was born in Cambodia during “The Killing Fields” era to uneducated Chinese parents. As a young child, he and his family endured incredible hardship as they escaped the Khmer Rouge regime through the jungle, finding refuge in Thailand. Kiak was bit by a venomous snake on the journey, and nearly lost his leg to the injury.
Read more about Kiak's journey
Kiak made a new start in the United States. He had no formal schooling before the age of 10. He realized he had to work harder than those with more resources.

He resisted peer pressure from fellow immigrants to join the Asian gangs in the Echo Park area.  Instead as a teen, Kiak taught himself basic finance from books he found in the library.

With some encouragement from the Fulfillment Fund and a few great teachers, he went to Haverford College, received a degree in economics, pre-med, a course short of a minor in mathematic, and began working in the field of finance for JP Morgan Chase, AIG, CPA firms, and many others. He was then able to save enough to buy his parents their first home. In 1997, he was featured on a KNBC  program called “Beating the Odds.”

He is an Enrolled Agent and holds a Series 7, 66, and 24 securities licenses as well as Real Estate Broker, Insurance Broker, and Mortgage Broker.

His firm partners with the #1 mortgage wholesale lender (United Wholesale Mortgage), Charles Schwab, and many other Fortune 500 companies to provide “independent” service to his client.

Kiak Tae believes that with a solid work ethic, a will, and a guiding hand, everyday Americans can achieve greater wealth. Providing financial resources and knowledge to the average American is his motivation for becoming a financial educator.





How many people really enjoy filing their own taxes? Even with tax filing software, the risk of filing mistakes is costly. Tax software is only as good as the information you put into it, and it does not always take into account your unique situation. We can help you maximize your returns while minimizing the risk of unnecessary tax audits.
Our tax preparers are licensed as an Enrolled Agent (or EA)—a federally-authorized tax practitioner certified by the U.S. Department of the Treasury. If you get into tax problems, we can represent you before the Internal Revenue Service (IRS), Franchise Tax Board, Employment Development Department, and other taxing authorities for tax issues including audits, collections, and appeals. We also utilize Certified Public Accountants (CPA) counsel our clients on tax planning.
The cost of tax preparation is based on the complexity of your return. Common tax returns have a set price, while more unique tax situations require a customized estimate.  Contact us to get a cost estimate of our services.
Generally no. Big banks have layers of overhead that include marketing costs, different levels of management compensation, employees, and shareholders. Mortgage brokers work with WHOLESALE lenders with a competitive offering and lower overhead costs. Our low-cost mortgage services have saved our clients anywhere from $4,000 to $500,000 on their mortgage loans compared to major banks.
Yes, a mortgage broker is a middleman. So are big banks. What stands between you and the banks are their layers of employees and costs. What stands between you and our WHOLESALE lenders are mortgage brokers.
Wholesale and direct lenders originate loans, package these loans, then generally sell them to Wall Street.

Wholesale lenders reduce their marketing and loan-processing costs by working with mortgage brokers. The rates they provide to mortgage brokers tend to be lower than those of direct lenders, and the broker marks them up to compensate his work.

Direct lenders tend to incur marketing and loan-processing costs. These costs are passed down to the buyer directly.

In the end, the cost to you is likely the same. As a mortgage broker, we add value not necessarily by slashing loan prices, but by looking at your situation holistically. We can lock in a great interest rate on your loan AND help you avoid potential tax and other financial mistakes.

Pre-qualification is the first step in the mortgage process. A lender will get basic information on your income, debts, and general creditworthiness to give you a quote on a loan.

Pre-approval is the next step where you need to provide financial documents such as tax returns, bank statements, and pay stubs. The lender performs a credit check at this stage, which may impact your credit score.

Most financial professionals recommend you keep your housing expenses (loan payment, property tax, and home insurance cost) to less than 28% of your gross income.  We recommend you sit down with a financial professional to factor in other variables unique to your situation. We can provide this service.
It will be based on the complexity of your tax filing situation and how cooperative you will be.  Our minimum filing fee is $250, with most paying between $385 to $575.
Each of you will have a unique situation.  First we will be try to understand your goals.  Once we understand this, we can outline the service you will need and the associated cost.  For reference, our financial guidance comes with a $750 enrollment fee.  Asset-based management fee ranges from .85% to 1.45%.
We work with wholesale lenders.  Our compensation is usually paid from the difference between the wholesale lending rate and retail rate.
It will varies depending on the type of program we mutually agree to use.  Some will be fee based while others will be commission based.  Regardless, we offer you options without conflicting with your interest.
Life, Medicare supplement, Medicare Advantage plans, disability, and long-term care insurance.
As an independent firm, we contract with many insurance companies, allowing us to put you with the right product that fits your situation.
Generally yes.  If you have no dependents, you may not need life insurance anymore.  Or perhaps you need a policy with different coverage. Our agent can fit you with the insurance products that give you peace of mind and fit within your budget.
*Dealing with complicated retirement tax codes

*Understanding payout options of retirement and insurance accounts

*Sorting out financial documents (certified copies of the death certificate, annuity papers, retirement plans, etc.)

*Filing taxes for the deceased

*Sorting through unfamiliar financial statements (bills, credit cards, mortgages, investments, taxes, etc.)

*Determining the deceased’s pension, 401k, and other benefits

*Retitling accounts

*Notifying Social Security Administration

*Determining whether or not to make significant changes immediately, such as paying off a mortgage or other debts

Our clients tend to view money as a mean, not and end.  They value family over money.
Our investment management clients usually have assets in excess of $200,000.
Our clients approaching retirement are usually within 6 years from actually retiring and have investable assets over $150,000.
Our financial guidance clients usually have over $20,000 saved and are regularly saving $800+ per month outside of 401(k) type programs.
Our clients tend to view us as part of their team and trust our recommendations.
The best way to answer your question is to run a tax projection based on your current level and your projected income at retirement.
We can go over Social Security retirement age, how to apply for Social Security, how much you will get, the taxation of your benefits, and many more.
Medical costs are highly dependent on your health and insurance situation. We can go over the medical insurance options you have during retirement and what additional costs you can anticipate.
This will depend on your financial resources, your age, your health, and how you want to manage your risks.  We can help you discuss this issue.
 If you are about five years from retirement, we can help you evaluate how financially ready you will be. We can position you with tax-saving strategies, prevent you from missteps, and explain what options you will have with your Social Security and or Pension plan. Here are some questions we can answer:  

  • How do you maximize your retirement income?  
  • How much taxes will you incur from withdrawing your retirement accounts?  
  • To minimize taxes, which combination of accounts should you take out and when?  
  • What healthcare planning should you be aware of before retiring?
No. Life is not all about money. Your happiness is ultimately about your life’s driven purpose, whether in retirement or not, and with your definition of retirement. You can have this psychological and philosophical discussion with us. Then we can design financial vehicles to allow you to live your life to the fullest.
Generally, you will not incur tax liability if you properly complete rollover procedures.  We are familiar with this process.  Contact us for help.
We can walk you through this process, reducing your potential mistakes.
Help you reduce taxes by evaluating your retirement plans

  •   Project tax liability and plan accordingly 
  •   Discuss various tax filing obligations as a small business owner
  •   Reduce unintended consequences of small-business taxes
  •   Reduce stress with assessing your bookkeeping need
Our knowledge best serves small businesses with gross revenue between $250k to $1.5 million.
cannot stick to a disciplined approach to investing and allow short-term swings in the market affect their long-term financial plan.
We focus on long-term planing and investment and do not provide stock trading service.
A do-it-yourself kind of person will likely and constantly find ways to do something better, and therefore will likely not like their current plan.
We don’t work well with people who want professional advice but are very fee sensitive.
Trust is very important.  When a person continue to second guess our recommendation because of outside influences, it tends to derail our planning.


What is an Enrolled Agent?

An Enrolled Agent is a tax advisor who is a federally authorized tax practitioner certified by the U.S. Department of the Treasury. Enrolled Agents represent taxpayers before the Internal Revenue Service for tax issues including audits, collections, and appeals.

What is an Investment Adviser Representative?

A professional who works for an registered investment advisor firm and has passed a security test in order to offer investment advice.  Kiak Tae holds a Series 7, 66, and 24.

What are NMLS Mortgage Loan Originators?

Mortgage licensed professionals who are licensed to help consumers originate loans.  Kiak Tae is licensed as a real estate broker as well.  These are just three of the five credentials Gardena Financial holds.

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(424) 999-8829

Office Location

1516 W. Redondo Beach Blvd

Gardena, CA 90247

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