Description of Firm Gardey Financial Advisors, Inc. is registered with the United States Securities and Exchange Commission (SEC) as a Registered Investment Adviser with its principal place of business located in Saginaw, Michigan. As the President and CEO Jonathan M. Gardey, is the Principal Owner, and sole shareholder of Gardey Financial Advisors. Gardey Financial Advisors began conducting business in 1985. There are currently 11 employees including three Certified Financial Planner™ (CFP®) professionals, a Chartered Financial Analyst® (CFA®) charter holder, an Investment Advisor Certified Compliance Professional® (IACCP®) and additional highly trained administrative staff.
Description of Services Gardey Financial Advisors provides investment management and financial planning on a continuous basis. The service is customized for each client taking into consideration the client’s current and future financial situation. Client goals and objectives are clarified in meetings and via correspondence and are used to determine the course of action for each individual client.
Wealth Management Service This service provides customized management of the client’s investments in addition to addressing their financial planning needs. It is designed for investors with investment assets of $500,000 or more including retirement plan assets.
Investment Management Through personal discussions, in which goals and objectives based on the client’s particular circumstances are established, Gardey Financial Advisors develop the client’s personal investment policy. They create and manage a portfolio based on that policy. During the data-gathering process, Gardey Financial Advisors facilitates the discussion to assist the client in determining their individual objectives, time horizons, risk tolerance, and liquidity needs. Gardey also reviews and discusses the client’s prior investment history, as well as family composition and background.
Gardey Financial Advisors manage these advisory accounts on a discretionary basis. Account supervision is guided by the client’s stated objectives as well as tax considerations.
Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors.
Once a client’s portfolio has been established, Gardey Financial Advisors will review the portfolio no less than annually, and rebalance the portfolio as needed on an annual basis. In the event of a significant movement in the markets or a change in the client’s situation, the portfolio may be rebalanced more frequently than annually.
The firm’s investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and may include advice regarding the following types of securities: ●Exchange listed securities (Common Stocks, Exchange Traded Funds (ETFs), Closed-end funds) ●Certificates of deposit ●Municipal securities ●Mutual fund shares (Commission-Free shares) ●United States governmental securities ●Interests in partnerships investing in real estate or oil and gas interest ●Corporate Bonds Because some types of investments involve certain additional degrees of risk, they will only be recommended when consistent with the client’s stated investment objectives, tolerance for risk, liquidity, and suitability.
Financial Planning Gardey Financial Advisors provides financial planning as part of the Wealth Management Service.
Through one-on-one discussions, they assist clients in determining their financial goals and in creating a plan to help them achieve these goals. Gardey Financial Advisors utilizes in depth risk tolerance analysis and client questionnaires to facilitate discussions about life goals and to assist the

client in determining the proper asset allocation for their portfolio.
The firm believes it is valuable to the client to have the benefit of both Investment Management and Financial Planning when being assisted in the development of a financial plan. Financial planning is an evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. Through the financial planning process, all questions, information, and analysis are considered as they impact and are impacted by the entire financial and life situation of the client.
Gardey Financial Advisors gathers the required information through in-depth personal interviews and client questionnaires. Information gathered includes the client’s current financial status, tax status, future goals, return objectives and attitudes towards risk. The firm carefully reviews documents supplied by the client, including other recommendations, and strongly suggests the client work closely with his/her attorney, accountant, and insurance agent. If the client does not have a professional relationship established with any of these professionals, Gardey Financial Advisors will refer the client to a professional in the area. Implementation of the financial plan recommendations is entirely at the client’s discretion.
Client Obligation In performing their services, Gardey Financial Advisors shall not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely thereon. Moreover, it remains each client’s responsibility to promptly notify Gardey Financial Advisors if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising previous recommendations and/or services.
Limitations of Financial Planning and Non-Investment Consulting/Implementation Services Gardey Financial Advisors does not serve as an attorney, accountant or insurance agent, and no portion of our services should be construed as legal, accounting or insurance services.
Accordingly, Gardey Financial Advisors does not prepare estate planning documents or tax returns, nor does it sell insurance products. To the extent requested by a client, we may recommend the services of other professionals for certain non-investment implementation purposes (i.e. attorneys, accountants, insurance, etc.). The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from Gardey Financial Advisors and/or its representatives.
Gardey Financial Advisors may recommend other professionals (e.g., lawyers, accountants, appraisal services, etc.) at the request of the client. Other professionals are engaged directly by the client on an as-needed basis even when recommended by the Advisor. Conflicts of interest, if any, will be disclosed to the client and always managed in the best interest of the client.
Please Note: If the client engages any recommended unaffiliated professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional.
Wrap Fee Programs Gardey Financial Advisors does not participate in Wrap Fee programs.
Regulatory Assets Under Management As of December 31, 2023 Gardey Financial Advisors managed over $228,441,648in assets for about 185 client households. Of the assets under management, approximately $203,048,635is managed on a discretionary basis and $25,393,013is managed on a non-discretionary basis.