Frequently Asked Questions
Who is your typical client?
We primarily work with physicians and their families. Clients may be in residency or fellowship, new attendings or have established practices.
Do I need to have a certain income or asset level to work with you?
No, we do not have asset or income minimums. In fact, many young physicians, who may benefit the most from comprehensive financial planning, have a negative net worth due to their large student loan debt.
I'm a busy doctor, are you able to work around my schedule?
Not a problem. We know first hand what is involved in medical training and practice. We can meet early in the morning before clinic or after hours as well. We can meet in your office if that is most convenient. Thanks to technology we can perform all of our services virtually if you prefer.
I am interested in your services but don't live nearby, are you able to help me?
Yes! We are able to perform all of our services virtually. Please contact us for more details.
Are you a fiduciary?
Absolutely! We work for you and for you only. As an independent advisor we put your (the client's) best interests first in everything we do. See our fiduciary oath for more details.
Do I have to pay for the introductory meeting?
No, there is no charge for the introductory meeting. The goal of the introductory meeting is to give you an idea how we can help you reach your goals and what it is like to work with us. During the introductory meeting we will discuss our planning process and investment philosophy and answer any questions that you may have. There is no obligation associated with he introductory meeting.
How do you get paid?
Gardiner Financial is a fee-only financial planning and investment management firm. 100% of our compensation comes from our clients. In order to avoid conflicts of interest and to provide unbiased advice, we do not accept any commissions or other payments from any third parties.
I'd like to learn more. What's next?
Please contact me with any additional questions or to schedule an introductory meeting.