Michael Garber Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
30
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
30
HighAverage account size
$0
About
Michael Garber Financial Planning serves individuals and families through an independent, fee-only advisory model, providing holistic financial planning, investment consulting, tax preparation, estate-plan review, risk-management and small-business planning. Services are delivered via annual Open Retainer engagements with multiple scheduled reviews or narrower Project Retainer engagements focused on specific planning tasks.
The firm emphasizes a long-term, fundamental and cost-minimizing investment approach, generally recommending passive vehicles such as no-load mutual funds, ETFs, U.S. government securities and bonds tailored to a client’s tax situation and goals. Adviser does not have discretionary trading authority or custody of client assets and makes recommendations for clients to implement, with periodic reviews rather than continuous monitoring.
Notable distinctions include a retainer- and project-based fee model instead of charging a percentage of assets under management, and a stated policy of not accepting commissions or referral fees. The solo principal integrates tax-preparation services into the planning practice, follows a formal code of ethics and a NAPFA fiduciary oath, and positions the firm as a planning-focused advisory rather than a discretionary portfolio manager.
Client services
Financial planning
Expertise
General tax planning
General estate planning guidance
Business ownership considerations
Cash flow / budgeting
Fee options
Project Retainer services are typically flat fees quoted per project; up to $500 due at start, remainder on completion.
Project Retainer fees are based on an hourly rate of $350 per hour for specific project requests.
Fee-only: Open Retainer fees range from $7,500 to $25,000 initially, and $4,000 to $25,000 for renewal years; Project Retainer fees are flat fees based on $350/hour quoted per project.
Main office location
Michael Garber Financial Planning
Gilroy CA, United States
Number of offices
2
Most active in
Michael Garber Financial Planning has reported serving >5 clients in these states in the last 12 months.
California · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
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.
Forms ADV
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