Our Firm | Epsilon Financial Group

How the firm is structured

Epsilon Financial Group is organized as a Subchapter S corporation and registered with the Securities and Exchange Commission as a Registered Investment Adviser. All four senior advisors — Mark, Leo, Pete, and Mike — are shareholders in the firm.

This ownership structure matters for our clients. It means the people managing your financial life have a direct stake in the firm’s long-term reputation. It also means there is no outside ownership, no parent company, and no institutional pressure to sell particular products or grow assets under management at the expense of client outcomes.

We are members of NAPFA — the National Association of Personal Financial Advisors, the professional organization for fee-only financial planners — and we carry the Real Fiduciary™ designation, which independently verifies our fee-only status and fiduciary practice standards.

How we got here

Mark Sievers founded Epsilon Financial Group after a career that began at the U.S. Air Force Academy, continued through military service as a pilot, and then led him through graduate school at UC Berkeley’s Haas School of Business. He founded the firm with a specific conviction: that independent, fee-only financial planning — free from the conflicts of interest that come with commission-based compensation — was the only model that allowed advisors to genuinely serve their clients. Epsilon has operated on that model since its founding.

Leo Martinez joined the firm in 2007 after a career that began on the Pacific Stock Exchange trading floor and continued through the retail brokerage industry, where he concluded that the fiduciary model was the only one worth practicing. Pete Mattei joined in 2010, bringing more than two decades of executive experience at Robert Mondavi and Constellation Brands. Michael Hathaway joined in 2018, following careers in investment banking, Silicon Valley corporate finance, technology licensing, and tax representation as an Enrolled Agent.

Together the four principals have built a firm that manages more than $600 million in assets on behalf of more than 500 clients — individuals, couples, business executives, physicians, attorneys, educators, retirees, and former professional athletes, across the Bay Area and throughout the United States.

Where we are and who we serve

Epsilon Financial Group is headquartered in Fairfield, California, in Solano County, at the geographic center of the San Francisco Bay Area and Sacramento Valley. Our primary office serves clients throughout Solano County, the greater Bay Area — including Marin, Sonoma, Napa, Alameda, and San Francisco counties — and the broader Sacramento region.

We maintain a client meeting office in Napa, California, serving clients in Napa Valley and the surrounding Wine Country.

Beyond Northern California, we work with clients across the United States. Many of our national clients have a prior connection to the Bay Area — they were clients before relocating, or were referred by existing clients. A small number of clients live and work overseas. Geography has never been a barrier to the work we do: the analytical rigor of a Household Balance Sheet or a retirement readiness analysis is exactly the same whether the conversation happens in our Fairfield conference room or over video from across the country.

If you are searching for a fee-only financial advisor in the San Francisco Bay Area, a financial planner in Fairfield or Napa, or a fiduciary RIA serving Northern California, we would be glad to have a conversation.

Our fiduciary commitment

As a Registered Investment Adviser, Epsilon Financial Group is legally obligated to act as a fiduciary at all times — meaning we are required to put our clients’ interests ahead of our own in every recommendation we make, every investment we select, and every engagement we enter.

We are also a fee-only firm, which means we receive no compensation from any source other than our clients. No commissions. No 12b-1 fees. No referral arrangements. No revenue sharing with fund companies or insurance carriers. The only money we make is the fee our clients pay us directly — which means there is never a financial incentive for us to recommend one course of action over another except our genuine assessment of what is right for that client.

These two things together — the legal fiduciary obligation and the fee-only compensation structure — are the foundation of the trust our clients place in us. We don’t take that lightly.

Ready to start a conversation?

We’d be glad to talk. The first meeting is complimentary, carries no obligation, and starts wherever you are.