Kim  Gardey

Kim Gardey

| CFP®, MA

Gardey Financial Advisors Inc.

(989) 791-3880

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Fee-Only Financial Advisor located in Saginaw, serving Northeastern MI.


  • Fee-Only
  • Tax Planning
  • Pre/Post Retirement Planning
  • Financial Planning
  • Estate Planning
  • College Education Planning
  • Investment Management
  • Insurance Analysis
  • 401(k) and IRA's


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100 Harrow Lane
Saginaw, MI 48638

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Kim Gardey is a Northeast MI Fee-Only Financial Planner serving the entire region. Gardey Financial Advisors LLC specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life's transitions. Kim Gardey is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

Kim M. Gardey, CFP®, Chairman of Gardey Financial Advisors, a firm with a staff of 15 including 5 financial advisors, has spent all of his working life in the field of investment management and personal financial planning. 

He began his career in the Investment Department of the National Bank of Detroit.  After four years, he joined Second National Bank of Saginaw where he was ultimately named a Senior Vice President and Senior Trust Officer.  He left the bank in 1985 to establish his own investment counseling firm.  In his position at Second National Bank, he headed the bank’s Trust Department; he also headed the Bank Investment Department wherein he was responsible for the management of the bank’s bond portfolio. 

Kim earned (with honors) his Bachelor’s Degree in Economics from the University of Michigan and a master’s degree in Economics from the University of California where he was named a Distinguished Scholar. 

He is a Certified Financial Planner™ professional.  Kim also served on the faculties of Saginaw Valley State University and Delta College where he taught courses in Economics, Monetary Theory & Policy, and Investment Management.  He is a member of The Institute of Certified Financial Planners, the CFA Institute, the CFA Society of Detroit, the American Economic Association, the Royal Economics Society, the National Association of Personal Financial Advisors (NAPFA), and is a member and past president of the Northeastern Michigan Estate Planning Council.


Welcome to Gardey Financial Advisors

We make satisfying your wants, lifelong goals, and financial aspirations our Number One priority.

“We want our clients to feel satisfied and comfortable in knowing

that we are securing their financial future – whatever they want their

future to look like.”   — Kim Gardey, CFP®, Chairman


Gardey Financial Advisors, a highly respected firm founded in 1985 by Kim Gardey, has grown into a team of 18 associates including seven Certified Financial Planner™ professionals who evaluate, implement, and nurture your financial future.

Our Advisors have backgrounds that include over 273 years of professional investment and financial planning experience – and additional experience in everything from brokerage firms, corporate finance and bank trust departments to higher education, insurance, and real estate. This ensures that you will receive only sound financial advice. We work closely with clients’ attorneys, tax preparers, and other professionals.