Services
Gardiner Financial offers various service models to serve our clients:
1. Comprehensive Financial Planning
This is an ongoing relationship where you work with us to develop and implement a comprehensive financial plan. We begin by discussing your financial goals and analyzing your current financial situation. Together, we develop a plan to help you attain your financial goals.
Comprehensive Financial Planning includes the following:
Comprehensive Financial Planning includes the following:
- Investment Plan
- Cash Flow Planning (Income and Expenses)
- Insurance Analysis
- Retirement Planning
- Tax Planning
- Debt Reduction Plan (if necessary)
- Education / College Funding (if necessary)
2. Investment Management
In addition to comprehensive financial planning we are able to perform all of the tasks of portfolio management for our clients.
Investment management includes the following:
Investment management includes the following:
- Implementing the client's comprehensive financial plan across various accounts
- Investing new funds during the accumulation phase
- Ongoing portfolio monitoring
- Rebalancing accounts as necessary
- Maximizing tax efficiency via tax efficient fund placement across accounts in a portfolio
- Tax-loss harvesting
- Management of income streams during the decumulation phase
- Management of required minimum distributions (RMDs) when applicable
3. Individual Planning Projects - Hourly Rate
In some cases, you may only have a specific question or problem to address. In these cases we offer advice on an hourly basis.
4. Student Loan Optimization
For many residents or fellows, student loan debt can seem overwhelming. Selecting the optimum strategy to address this debt can save thousands of dollars over the life of the loan. For residents and fellows whose major financial issue is a large student loan burden, we offer a student loan optimization service where we analyze the available options in order to allow you to make the best choice for your individual situation.