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Albert John Gaiardo

Advisor at Lincoln Investment — Somerset, PA

Updated today

Credentials

Series 66

Experience

4 years

Location

Somerset, PA 15501

Lincoln Investment logo

Lincoln Investment

Enterprise

Total advisors

333

Across 305 offices

Clients per advisor

415 Very High

Avg AUM per client

$157,266 Very Low

HNW client ratio

3% Low

About

Albert Gaiardo is a financial advisor at Lincoln Investment with four years of industry experience. He holds a Series 66 designation and has worked at both Capital Analysts and Lincoln Investment since 2022. Additionally, he has been associated with the Ligonier Valley School District since 1996. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, retirement plan advice, and a range of advisor-managed and firm-managed portfolios, employing both strategic and tactical investment approaches.

Client services

Based on Lincoln Investment

Financial planning Portfolio management Selection of other advisers

Expertise

Based on Lincoln Investment

ESG / Sustainable investing Wealth management Retirement plans for business owners (SEP, solo 401k) Business succession planning General estate planning guidance

Occupation focus

Based on Lincoln Investment

Educators, Teachers, and Academics Self-Employed Executive

Demographic focus

Based on Lincoln Investment

Retired Mid-Career Professionals

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Fee options

Fixed

Flat fees for financial planning and consulting services, negotiable and disclosed in Planning Services Agreement

Percentage

$0 - $500,000: Wealth Solutions Platform Fee 0.15%; Workplace Retirement Solutions Platform Fee 0.24% $500,000.01 - $1,000,000: Wealth Solutions Platform Fee 0.12%; Workplace Retirement Solutions Platform Fee 0.21% $1,000,000.01 - $2,000,000: Wealth Solutions Platform Fee 0.10%; Workplace Retirement Solutions Platform Fee 0.19% $2,000,000.01 - $5,000,000: Wealth Solutions Platform Fee 0.08%; Workplace Retirement Solutions Platform Fee 0.17% $5,000,000.01 - $10,000,000: Wealth Solutions Platform Fee 0.06%; Workplace Retirement Solutions Platform Fee 0.15% $10,000,000.01 - $20,000,000: Wealth Solutions Platform Fee 0.04%; Workplace Retirement Solutions Platform Fee 0.15% $20,000,000.01 - $35,000,000: Wealth Solutions Platform Fee 0.03%; Workplace Retirement Solutions Platform Fee 0.15% Over $35,000,000+: Wealth Solutions Platform Fee 0.02%; Workplace Retirement Solutions Platform Fee 0.15%

Commissions

Brokerage and insurance commissions and fees; additional compensation from third-party sales and marketing support; fees and commissions outside advisory services

Project-based

Hourly fees for financial planning services, negotiable and disclosed in Planning Services Agreement

Other

Fee-only: Financial planning fees charged on an hourly or flat fee basis, negotiable per agreement

Location

See office

Somerset, PA

109 E. Main St.

Somerset PA 15501

Advisors at this office

1

Most active in

Pennsylvania

Work history

4 years of industry experience

Capital Analysts

2022 - Present • 4 years

Fort Washington, PA

Lincoln Investment

2022 - Present • 4 years

Fort Washington, PA

Lincoln Investment

2022 - Present • 4 years

Fort Washington, PA

Ligonier Valley School District

1996 - Present • 30 years

Ligonier, PA

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Christopher M

Series 63, Series 66

Jennerstown, PA

OSAIC Institutions, INC.

Christopher Mckissick is a financial advisor with OSAIC Institutions, INC., holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked at Infinex Investments, Inc. since 2015 and at FIRST Commonwealth Bank since 2007, where he also participates in the bank’s trust division. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans, providing advisory and brokerage services through customized engagements. The firm’s approach includes both discretionary and predominantly non-discretionary asset management, with offerings that include financial planning, ERISA plan services, alternative investments, and lending solutions.

Annuities Tax-loss harvesting Founder/Business Owner Executive
user avatar

Stephanie C

Series 66

Somerset, PA

PNC Wealth Management

Stephanie Conde is a financial advisor at PNC Wealth Management with 18 years of industry experience. She holds a Series 66 designation and has been with PNC Investments, LLC since 2016. Outside of her advisory role, she is a partner in Divorce Squad, a non-investment-related business. PNC Wealth Management offers retail brokerage and advisory services through various model-based programs, including an online discretionary model account available by invitation to employees. The firm’s investment approach utilizes approved model strategies implemented via mutual funds and ETFs, with portfolio management delegated to third parties and an emphasis on algorithm-driven risk assessment.

Passive / index investing Active portfolio management Wealth management Executive
user avatar

Dennis H

Series 63, Series 65

Somerset, PA

PNC Wealth Management

Dennis Hunt is a financial advisor at PNC Wealth Management with 36 years of industry experience. He has held his current position since 2004 and holds Series 63 and Series 65 licenses. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account pilot for employees that uses algorithm-driven risk assessments and invests in mutual funds and ETFs with annual rebalancing.

Passive / index investing Active portfolio management Wealth management Executive
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Claude R

Series 63, Series 65

Somerset, PA

Commonwealth Financial Network

Claude Rice Jr. is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Commonwealth Equity Services, Inc. since 1995. Outside of his advisory work, he is a part owner of a family farm that is rented out. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services along with operational, trading, technology, investment management, compliance, and practice-management support.

Passive / index investing Active portfolio management Tax-loss harvesting Wealth management Retirement income strategy Founder/Business Owner Executive Retired
user avatar

Emily R

Series 63, Series 66

Somerset, PA

LPL Financial

Emily Raupach is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 12 years of industry experience. She has previously worked at Janney Montgomery Scott, LLC for 11 years and has been associated with Somerset Trust Company and Osaic Institutions, Inc. Outside of her advisory role, she is involved with STC Advisors, a business related to her LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and utilizes research from internal and third-party sources.

College savings (529s, UTMA, etc.)
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Edward K

Series 63, Series 66

Friedens, PA

LPL Enterprise

Edward Kelley is a financial advisor at LPL Enterprise with 24 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and Lincoln Financial Advisors Corporation. In addition to his advisory role, he is involved in Medicare sales through Neishloss & Fleming, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, combining advisory programs with brokerage and insurance products through an integrated platform.

General retirement planning Tax-loss harvesting Self-Employed Founder/Business Owner
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