Jonathan Gardey

Tel: (989) 791-3880
100 Harrow Lane
Saginaw, MI 48638

Secuiring Your Financial Future


About Gardey Financial Advisors

Gardey Financial Advisors, an investment management and financial planning firm, founded in 1985 by Kim Gardey, has grown into a team of 17 associates including six Certified Financial Planner professionals and a Chartered Financial Analyst. These professionals work to secure your financial future.

Our Advisors have backgrounds that include over 273 years of professional investment management and financial planning experience. These professionals have additional experience in everything from brokerage firms, corporate finance and bank trust departments to higher education, insurance, and real estate. This ensures that you will receive only sound financial advice. We work closely with our client's attorneys, tax preparers, and other professionals.

Gardey Financial Advisors services are provided on a fee basis with compensation solely through fees paid directly to the firm by clients. Commissions are not accepted from any source. Professional advice is provided but no products (i.e., stocks, mutual funds, insurance or annuities) are ever sold. Gardey Financial Advisors believes there is a significant conflict of interest if an advisor stands to gain financially from the purchase of any product that he or she recommends to a client. Gardey Financial Advisors is a Fiduciary and the firm's compensation is structured to ensure that all recommendations that are made are in the best interest of the client.

28 Years of Experience



General Information
Firm Start Year:   1985
No.of Employees:   10-19
Name of Custodial Firm:   Charles Schwab & Co., Inc.
States Licensed in:   MI
Number of Years with Current Firm:   28
I work with the following types of clients:   Non-Profit Organizations , Individual Investors , Businesses , Charitable Trusts
Services
Investment Types:   Annuities , Commodities , Insurance , Alternative Investments , Mutual Funds , Stocks , Bonds , Exchange Traded Funds (ETFs)
I can meet clients in the following ways:   Via phone , At my office , Via email


Qualifications & Memberships
Financial Organization Memberships:   Certified Financial Planner , Chartered Financial A , Paladin Registry


Firm Information
Assets Managed by Advisor:   $200,000,000


Compensation & Fees
Fee Structure:   I am a Fee-Only financial professional
Minimum Portfolio Size for New Managed Accounts:   $500000
Compensation Methods:   Based on Assets


Board Positions
Organization:  Northeastern Michigan Estate Planning Council
Position :  Past President

Education
MBA - Finance and in Money and Financial Markets - Finance  Columbia University - New York City, NY
1991- 1993



FAQs

  • What are your qualifications? What is your education background? Second Second National Bank of Saginaw where he was ultimately named a Senior Vice President and Senior Trust Officer; Established his own investment management firm in 1985. BA (with honors) in Econ from the University of Michigan; MA in Econ from the University of California where he was named a Distinguished Scholar. He is a Certified Financial Planner? professional. Manages 180 clients.
  • How many clients do you currently manage? Approximately 180
  • Will you be the only person working with me? No
  • How are you compensated? How will I pay for your services? We do not charge separately for Financial Planning advice. It is an integral part of our Wealth Management Service.
  • If you are going to manage my account, will you obtain my permission every time you buy or sell something? Our client's maintain control over their Asset Allocation Targets, which are the foundation of their investment portfolio. Due to this, individual investment changes are done on a Discretionary basis by the firm.
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Jonathan Gardey

Jonathan Gardey

CERTIFIED FINANCIAL PLANNER™ Certificant

My Services


Investment Management & Advice

We use a Three Step process to ensure your investments suit your needs. In Step 1 we get to know you and your financial situation. In Step 2 we build an investment portfolio that will suit your needs and in Step 3 we continue to monitor your investments and make changes as needed.


Wealth Management

For clients with portfolios of $500,000 or more we also provide comprehensive financial planning services including estate planning, insurance analysis, pre and post retirement planning, college funding for children and grandchildren and tax planning.

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My Team


Jonathan M Gardey
Jonathan M Gardey

President

M. Gardey, CFA, CFP, President, Director of Research, and Chairman of the firm?s Investment Committee, is a graduate of the University of Wisconsin. He also earned a Master of Business Administration degree in Finance and in Money & Financial Markets from Columbia University, New York City. He is a Chartered Financial Analyst charterholder and a Certified Financial Planner? professional. Jon previously served as an officer in the U.S. Navy.


Robert M Whiting
Robert M Whiting

Vice President

Robert M. Whiting, Vice President and Financial Advisor, is a member of the Investment Committee and holds a Bachelor of Business Administration degree from Northwood Institute. Bob has spent over 30 years in trust administration and investment planning. In 1973, he joined Second National Bank of Saginaw (now Citizens Bank) serving as Vice President and Trust Officer where he held senior management positions in the fields of business development, personal trust administration, and retirement plan administration.


Thomas R Chisholm
Thomas R Chisholm

Financial Advisor

Thomas R. Chisholm, CFP, Financial Advisor and member of the Investment Committee, is a graduate of Saginaw Valley State University, summa cum laude, where he earned his Bachelor of Business Administration degree. Tom is a Certified Financial Planner? professional, has worked in the investment field for over 24 years, and has taught courses in Finance at Saginaw Valley State University and has experience in real estate.


Communities Served

Auburn Bay City
Birch Run Brant
Breckenridge Bridgeport
Burt Carrollton
Chesaning Clio
Essexville Fairgrove
Flushing Frankenmuth
Freeland Hemlock
Henderson Kawkawlin
Linwood Merrill
Midland Montrose
Munger New Lothrop
Oakley Reese
Saginaw Saint Charles
Vassar Wheeler

Compensation Arrangements

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