Gardiner Financial, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Gardiner Financial is a fee‑only, state‑registered investment adviser that serves individual clients, including high‑net‑worth individuals, with portfolio management and financial planning. Services described in the brochure include customized investment management guided by an Investment Policy Statement, comprehensive ongoing financial planning, and a standalone student‑loan optimization service.
The firm primarily implements passive, asset‑class‑based portfolios using low‑cost index mutual funds and ETFs, with allocations designed to balance correlation, risk and return and ongoing account supervision tied to each client’s IPS. For certain engagements the adviser may augment the passive approach with fundamental, technical, cyclical or charting analysis, and comprehensive planning clients receive continuous access to a planner and periodic plan reviews.
Noteworthy features include managing roughly $14 million for a very small client base, which yields a high assets‑per‑client profile and a practice oriented toward individualized plans rather than high‑volume reporting; the firm also does not provide written investment reports to investment management clients. The principal maintains a separate full‑time clinical practice as an orthopedic surgeon, and the firm accepts limited custody only for fee debits while using an institutional Schwab platform for custody and execution.
Client services
Expertise
Occupation focus
Fee options
Student Loan Optimization upfront fee: $300 for one borrower, $500 for two borrowers, negotiable
$0 - $100,000: 0.90% $100,001 - $250,000: 0.80% $250,001 - $500,000: 0.70% $500,001 - $1,000,000: 0.60% $1,000,001+: 0.50%
Financial Planning hourly fee: $200 per hour, negotiable
Fee-only: Comprehensive Financial Planning: $75 per month, negotiable and may be waived with investment management; Financial Planning hourly fee: $200 per hour, negotiable; Student Loan Optimization: $300 for one borrower, $500 for two borrowers, negotiable
Main office
Wellesley MA
Advisors at this office
1
Most active in
Massachusetts
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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